US 10,872,332 B2Granted

Virtual card opening method and system, payment system, and card issuing system

AssigneeAdvanced New Technologies Co., Ltd.

InventorsLingnan Shen, Jie Qi, Ge Chen, Huifeng Jin, Huanming Sun

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Abstract

A virtual card opening method and system, a payment system, and a card issuing system are disclosed. The method comprises: receiving, through an online traffic entrance associated with a payment system, a virtual card opening request from a user, the virtual card opening request comprising user information and type identifier information of a virtual card; searching, by the payment system, for a rule for acting as an agent to open a card and a card opening condition corresponding to the type identifier information from the payment system, the rule for acting as an agent to open a card and the card opening condition being obtained in advance by the payment system from a card issuing system; and generating, by the payment system, a target virtual card according to the user information and the rule for acting as an agent.

Claims20

Dependent claims

A computer-implemented virtual card opening method, comprising:

sending, by a computing device of a payment system to each of a plurality of virtual card issuing systems, a request for acting an agent to open a virtual card on behalf of the each virtual card issuing system to reduce traffic load on the each virtual card issuing system;
obtaining, by the computing device of the payment system from the each virtual card issuing system, a rule for acting as the agent of the each virtual card issuing system and a condition to open a virtual card of the each virtual card issuing system;
storing, by the computing device of the payment system in a mapping relationship, the obtained rules and the obtained virtual card opening conditions mapped with type identifiers of the virtual cards;
receiving, by the computing device of the payment system through an online traffic entrance, a virtual card opening request from a user, the virtual card opening request comprising user information of the user and type identifier of a target virtual card;
redirecting, by the computing device of the payment system, the user from the online traffic entrance to a virtual card receiving page so that opening of the target virtual card is decoupled from the virtual card issuing system issuing the target virtual card;
searching and identifying, by the computing device of the payment system according to the type identifier of the target virtual card and the mapping relationship, a target virtual card issuing system, the rule for acting as the agent to open the target virtual card on behalf of the target virtual card issuing system, and the virtual card opening condition to open the target virtual card according to actual situations, wherein the virtual card opening condition comprises a protocol for receiving the target virtual card;
sending, by the computing device of the payment system through the virtual card receiving page, the protocol for receiving the target virtual card for the user to view;
in response to the user agreeing to the protocol, determining, by the computing device of the payment system, whether the user information in the virtual card opening request satisfies the virtual card opening condition for opening the target virtual card;
in response to the virtual card opening condition being satisfied, generating, by the computing device of the payment system, the target virtual card according to the user information and the rule for acting as the agent to open the target virtual card;
and
asynchronously sending, by the computing device of the payment system, information of the target virtual card to the identified target virtual card issuing system so that real-time interaction between the payment system and the target virtual card issuing system is avoided.

8 more elements

A payment system for virtual card opening, comprising a processor and a non-transitory computer-readable storage medium storing instructions executable by the processor to cause the payment system to perform operations comprising:

sending, to each of a plurality of virtual card issuing systems, a request for acting an agent to open a virtual card on behalf of the each virtual card issuing system to reduce traffic load on the each virtual card issuing system;
obtaining, from the each virtual card issuing system, a rule for acting as the agent of the each virtual card issuing system and a condition to open a virtual card of the each virtual card issuing system;
storing, in a mapping relationship, the obtained rules and the obtained virtual card opening conditions in a map mapped with type identifiers of the virtual cards;
receiving, through an online traffic entrance, a virtual card opening request from a user, the virtual card opening request comprising user information of the user and type identifier of a target virtual card;
redirecting the user from the online traffic entrance to a virtual card receiving page so that opening of the target virtual card is decoupled from the virtual card issuing system issuing the target virtual card;
searching and identifying, according to the type identifier of the target virtual card and the mapping relationship, a target virtual card issuing system, the rule for acting as the agent to open the target virtual card on behalf of the target virtual card issuing system, and the virtual card opening condition to open the target virtual card, wherein the virtual card opening condition comprises a protocol for receiving the target virtual card according to actual situations, wherein the virtual card opening condition comprises a protocol for receiving the target virtual card;
sending, through the virtual card receiving page, the protocol for receiving the target virtual card for the user to view;
in response to the user agreeing to the protocol, determining whether the user information in the virtual card opening request satisfies the virtual card opening condition for opening the target virtual card;
in response to the virtual card opening condition being satisfied, generating the target virtual card according to the user information and the rule for acting as the agent to open the target virtual card when the virtual card opening condition is satisfied;
and
asynchronously sending information of the target virtual card to the identified target virtual card issuing system according to the rule for acting as the agent to open the target virtual card so that real-time interaction between the payment system and the target virtual card issuing system is avoided.

8 more elements

A non-transitory computer-readable storage medium for virtual card opening, configured with instructions executable by one or more processors to cause the one or more processors to perform operations comprising:

sending, to each of a plurality of virtual card issuing systems, a request for acting an agent to open a virtual card on behalf of the each virtual card issuing system to reduce traffic load on the each virtual card issuing system;
obtaining, from the each virtual card issuing system, a rule for acting as the agent of the each virtual card issuing system and a condition to open a virtual card of the each virtual card issuing system;
storing, in a mapping relationship, the obtained rules and the obtained virtual card opening conditions mapped with type identifiers of the virtual cards;
receiving, through an online traffic entrance, a virtual card opening request from a user, the virtual card opening request comprising user information of the user and type identifier of a target virtual card;
redirecting the user from the online traffic entrance to a virtual card receiving page so that opening of the target virtual card is decoupled from the virtual card issuing system issuing the target virtual card;
searching and identifying, according to the type identifier of the target virtual card and the mapping relationship, a target virtual card issuing system, the rule for acting as the agent to open the target virtual card on behalf of the target virtual card issuing system, and the virtual card opening condition to open the target virtual card, wherein the virtual card opening condition comprises a protocol for receiving the target virtual card according to actual situations, wherein the virtual card opening condition comprises a protocol for receiving the target virtual card;
sending, through the virtual card receiving page, the protocol for receiving the target virtual card for the user to view;
in response to the user agreeing to the protocol, determining whether the user information in the virtual card opening request satisfies the virtual card opening condition for opening the target virtual card;
in response to the virtual card opening condition being satisfied, generating the target virtual card according to the user information and the rule for acting as the agent to open the target virtual card when the virtual card opening condition is satisfied;
and
asynchronously sending information of the target virtual card to the identified target virtual card issuing system according to the rule for acting as the agent to open the target virtual card so that real-time interaction between the payment system and the target virtual card issuing system is avoided.

8 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/736,714Filed 7 Jan 2020 · continuation
Priority: CN 2017 1 088803927 Sep 2017
Published: US 2020/0143361 A17 May 2020
Granted: 22 Dec 2020
Term ends: Not estimatedThe source records don’t support an estimate.

Classification10 codes

G06Q 20/351
Using cards, e.g. integrated circuit [IC] cards or magnetic cards: virtual cards
G06F 16/9558
Using information identifiers, e.g. uniform resource locators [URL]: details of hyperlinks; Management of linked annotations
G06Q 20/349
Using cards, e.g. integrated circuit [IC] cards or magnetic cards: rechargeable cards
G06Q 20/354
Using cards, e.g. integrated circuit [IC] cards or magnetic cards: card activation or deactivation

Family

PCT/CN2018/107254Parent of this continuation · filed 25 Sep 2018
US 2020/0143361 A1Pre-grant publication · published 7 May 2020
US 10,872,332 B2This patent

From the US filing history. Foreign family members aren’t listed.

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