# US 10,872,332 B2 · Virtual card opening method and system, payment system, and card issuing system

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- Number: US 10,872,332 B2
- Document ID: US10872332B2
- Status: Granted
- Kind: B2
- Application number: 16/736,714
- Filed: 2020-01-07
- Published: 2020-05-07
- Granted: 2020-12-22
- Earliest claimed: 2017-09-27
- Assignees: Advanced New Technologies Co., Ltd.
- Applicants: Advanced New Technologies Co., Ltd.
- Inventors: Lingnan Shen; Jie Qi; Ge Chen; Huifeng Jin; Huanming Sun
- Web page: https://patentgrep.com/patent/US10872332B2

## CPC

- G06Q 20/351: {Virtual cards}
- G06F 16/9558: {Details of hyperlinks; Management of linked annotations}
- G06Q 20/349: {Rechargeable cards}
- G06Q 20/354: {Card activation or deactivation}
- G06Q 20/3672: {initialising or reloading thereof}
- G06Q 20/405: {Establishing or using transaction specific rules}
- G06Q 20/4093: {Monitoring of device authentication}
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)

## 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.

## Claims

### Claim 1

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.

### Claim 2 (depends on 1)

The method according to claim 1, wherein the online traffic entrance comprises a hyperlink.

### Claim 3 (depends on 1)

The method according to claim 1, further comprising:
storing, by the payment system, information of the target virtual card in the payment system.

### Claim 4 (depends on 1)

The method according to claim 1, wherein the type identifier of the target virtual card comprises an identifier of the virtual card issuing system issuing the target virtual card, and
the storing the rules and the virtual card opening conditions by the computing device of the payment system comprises:
storing the rules and the virtual card opening conditions in a storage medium associated with the computing device, wherein the rules and the virtual card opening conditions are mapped to identifiers of the plurality of virtual card issuing systems.

### Claim 5 (depends on 1)

The method according to claim 1, wherein the asynchronously sending, by the computing device of the payment system, the 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 comprises:
sending, by the computing device of the payment system, the information of the target virtual card stored in the payment system to the target virtual card issuing system according to a preset time interval.

### Claim 6 (depends on 1)

The method according to claim 1, wherein the asynchronously sending, by the computing device of the payment system, the 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 further comprises:
sending, by the computing device of the payment system, the information of the target virtual card stored in the payment system to the target virtual card issuing system after the payment system receives a target virtual card using request from the user.

### Claim 7 (depends on 1)

The method according to claim 1, wherein the virtual card opening condition further comprises an introduction of the target virtual card, and the method further comprises:
sending, by the computing device of the payment system through the virtual card receiving page, the introduction of the target virtual card for the user to view.

### Claim 8 (depends on 1)

The method according to claim 1, further comprising:
adding, by the computing device of the payment system, credits to the target virtual card for the user to use.

### Claim 9

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.

### Claim 10 (depends on 9)

The payment system according to claim 9, wherein the online traffic entrance comprises a hyperlink.

### Claim 11 (depends on 9)

The payment system according to claim 9, wherein the operations further comprise:
storing information of the target virtual card in the payment system.

### Claim 12 (depends on 9)

The payment system according to claim 9, wherein the type identifier of the target virtual card comprises an identifier of the card issuing system issuing the target virtual card, and
the storing the rules and the virtual card opening conditions by the computing device of the payment system comprises:
storing the rules and the virtual card opening conditions in a storage medium associated with the computing device, wherein the rules and the virtual card opening conditions are mapped to identifiers of the plurality of virtual card issuing systems.

### Claim 13 (depends on 9)

The payment system according to claim 9, wherein the asynchronously sending the 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 comprises:
sending the information of the target virtual card stored in the payment system to the target virtual card issuing system according to a preset time interval.

### Claim 14 (depends on 9)

The payment system according to claim 9, wherein the asynchronously sending the 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 comprises:
sending the information of the target virtual card stored in the payment system to the target virtual card issuing system after the payment system receives a target virtual card using request from the user.

### Claim 15 (depends on 9)

The payment system according to claim 9, wherein the virtual card opening condition further comprises an introduction of the target virtual card, and the operations further comprise:
sending, by the computing device of the payment system through the virtual card receiving page, the introduction of the target virtual card for the user to confirm.

### Claim 16 (depends on 9)

The payment system according to claim 9, wherein the operations further comprise:
adding credits to the target virtual card for the user to use.

### Claim 17

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.

### Claim 18 (depends on 17)

The storage medium according to claim 17, wherein the online traffic entrance comprises a hyperlink.

### Claim 19 (depends on 17)

The storage medium according to claim 17, wherein the asynchronously sending the 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 comprises:
sending the information of the target virtual card stored in the payment system to the target virtual card issuing system after the payment system receives a target virtual card using request from the user.

### Claim 20 (depends on 17)

The storage medium according to claim 17, wherein the asynchronously sending the 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 comprises:
sending the information of the target virtual card stored in the payment system to the target virtual card issuing system according to a preset time interval.