# US 2017/0286946 A1 · Method, apparatus and computer program product for virtual card payment

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- Number: US 2017/0286946 A1
- Document ID: US20170286946A1
- Status: Published application
- Kind: A1
- Application number: 15/472,532
- Filed: 2017-03-29
- Published: 2017-10-05
- Earliest claimed: 2016-03-29
- Assignees: Lenovo (Beijing) Limited
- Applicants: Lenovo (Beijing) Limited
- Inventors: Tao Miao; Hui Xu
- Web page: https://patentgrep.com/patent/US20170286946A1

## CPC

- G06Q 20/351: {Virtual cards}
- G06Q 20/4014: {Identity check for transactions}
- G07F 7/0806: {Details of the card (record carriers per se G06K)}
- 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
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})

## Abstract

A method, apparatus and computer program product are disclosed. The method includes determining user information, generating a virtual card that is bound to a payment application and has a mapping relationship to a bank card, and acquiring a first parameter that includes information to verify transaction validity. The apparatus includes a communication interface, and a processor that determines user information, generates a virtual card that is bound to a payment application and has a mapping relationship to a bank card, and acquires a first parameter that includes information to verify transaction validity. The computer program product includes a computer readable storage medium that stores code to determine user information, generate a virtual card that is bound to a payment application and has a mapping relationship to a bank card, and acquires a first parameter that includes information to verify transaction validity.

## Claims

### Claim 1

An information processing method, comprising
determining first information of a user holding a first bank card;
generating a first virtual card for the user based on the first information; and
acquiring a first parameter set by the user for the first virtual card;
wherein
the first virtual card is bound to at least one payment application stored on a terminal,
the first virtual card has a mapping relationship with the first bank card, and
the first parameter comprises information for verifying validity of a transaction process of the first virtual card.

### Claim 2 (depends on 1)

The method of claim 1, wherein
the first information comprises an account number corresponding to the first bank card; and
determining first information of a user holding a first bank card comprises receiving a first request sent by a first terminal;
wherein the first request carries the account number corresponding to the first bank card.

### Claim 3 (depends on 1)

The method of claim 1, wherein
the first information comprises identification information of the user holding the first bank card;
determining first information comprises receiving a first request sent by a first terminal;
the first request carries the identification information of the user holding the first bank card.

### Claim 4 (depends on 1)

The method of claim 1, wherein the method further comprises:
sending information of the first virtual card to the terminal;
wherein the information of the first virtual card comprises an account number corresponding to the first virtual card.

### Claim 5 (depends on 1)

The method of claim 1, wherein the method further comprises:
acquiring a payment request based on the first virtual card;
responding to the payment request;
verifying, based on the first parameter, validity of a current payment process based on the first virtual card to generate a verification result;
continuing the current payment process based on the first virtual card if a verification result indicates that the current payment process based on the first virtual card is valid; and
terminating the current payment process based on the first virtual card if the verification result indicates that the current payment process based on the first virtual card is invalid.

### Claim 6 (depends on 5)

The method of claim 5, wherein continuing the current payment process based on the first virtual card if the verification result indicates that the current payment process based on the first virtual card is valid comprises:
performing an identity authentication according to payer information in the payment request if the verification result indicates that the current payment process based on the first virtual card is valid; and
completing the current payment process using the first bank card corresponding to the first virtual card according to the mapping relationship after the identity authentication performed according to the payer information in the payment request is successful.

### Claim 7 (depends on 5)

The method of claim 5, wherein
the first parameter comprises a number of allowed transactions to be made with the first virtual card;
second information of the first virtual card comprises a current number of transactions made with the first virtual card; and
verifying, based on the first parameter, validity of a current payment process based on the first virtual card to generate a verification result comprises:
acquiring the second information of the first virtual card,
obtaining a compliance result based on a determination of whether the current number of transactions made with the virtual card of the second information is less than the number of allowed transactions to be made with the first virtual card,
using the compliance result as the verification result,
completing the current payment process for the payer using the first bank card corresponding to the first virtual card according to the mapping relationship if the compliance result indicates that the current number of transactions made with the virtual card is less than the number of allowed transactions to be made with the first virtual card, and
terminating the current payment process for the payer using the first bank card corresponding to the first virtual card according to the mapping relationship if the compliance result indicates that the current number of transactions made with the virtual card is not less than the number of allowed transactions to be made with the first virtual card.

### Claim 8 (depends on 5)

The method of claim 5, wherein
the first parameter comprises payer information;
second information of the first virtual card comprises current payer information of the first virtual card; and
verifying, based on the first parameter, validity of a current payment process based on the first virtual card to generate a verification result comprises acquiring the second information of the first virtual card,
obtaining a matching result based on a determination of whether the current payer information of the first virtual card of the second information matches the payer information of the first parameter;
using the matching result as the verification result,
completing the current payment process using the first bank card corresponding to the first virtual card according to the mapping relationship if the matching result indicates that the current payer information of the first virtual card matches the payer information in the first parameter; and
terminating the current payment process using the first bank card corresponding to the first virtual card according to the mapping relationship if the matching result indicates that the current payer information of the first virtual card in the second information does not match the payer information in the first parameter.

### Claim 9

An apparatus, comprising
an external communication interface; and
a processor that
determines first information of a user holding a first bank card,
generates a first virtual card for the user based on the first information, and
acquires, through the external communication interface, a first parameter set by the user for the first virtual card;
wherein
the first virtual card is bound to at least one payment application stored on a terminal,
the first virtual card has a mapping relationship with the first bank card, and
the first parameter comprises information for verifying validity of a transaction process of the first virtual card.

### Claim 10 (depends on 9)

The apparatus of claim 9, wherein
the first information comprises an account number corresponding to the first bank card;
the processor determines first information by receiving a first request sent by a first terminal; and
the first request carries the account number corresponding to the first bank card.

### Claim 11 (depends on 9)

The apparatus of claim 9, wherein
the first information comprises identification information of the user holding the first bank card;
the processor determines first information by receiving a first request sent by a first terminal; and
the first request carries the identification information of the user holding the first bank card.

### Claim 12 (depends on 9)

The apparatus of claim 9, wherein
the processor sends, through the external communication interface, information of the first virtual card to the terminal;
wherein the information of the first virtual card comprises an account number corresponding to the first virtual card.

### Claim 13 (depends on 9)

The apparatus of claim 9, wherein the processor
acquires, through the external communication interface, a payment request based on the first virtual card;
responds to the payment request;
verifies, based on the first parameter, validity of a current payment process based on the virtual card to generate a verification result;
continues the current payment process based on the first virtual card if a verification result indicates that the current payment process based on the first virtual card is valid; and
terminates the current payment process based on the first virtual card if the verification result indicates that the current payment process based on the first virtual card is invalid.

### Claim 14 (depends on 13)

The apparatus of claim 13, wherein the processor continues the current payment process based on the first virtual card if a verification result indicates that the current payment process based on the first virtual card is valid by
performing an identity authentication according to payer information in the payment request if the verification result indicates that the current payment process based on the first virtual card is valid; and
completing the current payment process using the first bank card corresponding to the first virtual card according to the mapping relationship after the identity authentication performed according to the payer information in the payment request is successful.

### Claim 15 (depends on 13)

The apparatus of claim 13, wherein
the first parameter comprises a number of allowed transactions to be made with the first virtual card;
second information of the first virtual card comprises a current number of transactions made with the first virtual card; and
the processor verifies, based on the first parameter, validity of a current payment process based on the virtual card to generate a verification result by
acquiring the second information of the first virtual card,
obtaining a compliance result based on a determination of whether the current number of transactions made with the virtual card of the second information is less than the number of allowed transactions to be made with the first virtual card,
using the compliance result as the verification result,
completing the current payment process for the payer using the first bank card corresponding to the first virtual card according to the mapping relationship if the compliance result indicates that the current number of transactions made with the virtual card is less than the number of allowed transactions to be made with the first virtual card, and
terminating the current payment process for the payer using the first bank card corresponding to the first virtual card according to the mapping relationship if the compliance result indicates that the current number of transactions made with the virtual card is not less than the number of allowed transactions to be made with the first virtual card.

### Claim 16 (depends on 13)

The apparatus of claim 13, wherein
the first parameter comprises payer information;
second information of the first virtual card comprises current payer information of the first virtual card; and
the processor verifies, based on the first parameter, validity of a current payment process based on the virtual card to generate a verification result by
acquiring the second information of the first virtual card,
obtaining a matching result based on a determination of whether the current payer information of the first virtual card of the second information matches the payer information of the first parameter;
using the matching result as the verification result,
completing the current payment process using the first bank card corresponding to the first virtual card according to the mapping relationship if the matching result indicates that the current payer information of the first virtual card matches the payer information in the first parameter; and
terminating the current payment process using the first bank card corresponding to the first virtual card according to the mapping relationship if the matching result indicates that the current payer information of the first virtual card in the second information does not match the payer information in the first parameter.

### Claim 17

A computer program product comprising a computer readable storage medium that stores code executable by a processor, the executable code comprising code to perform
determining first information of a user holding a first bank card;
generating a first virtual card for the user based on the first information; and
acquiring a first parameter set by the user for the first virtual card;
wherein
the first virtual card is bound to at least one payment application stored on a terminal,
the first virtual card has a mapping relationship with the first bank card, and
the first parameter comprises information for verifying validity of a transaction process of the first virtual card.

### Claim 18 (depends on 17)

The computer program product of claim 17, further comprising code to perform sending information of the first virtual card to the terminal;
wherein the information of the first virtual card comprises an account number corresponding to the first virtual card.

### Claim 19 (depends on 17)

The computer program product of claim 17, further comprising code to perform acquiring a payment request based on the first virtual card;
responding to the payment request;
verifying, based on the first parameter, validity of a current payment process based on the first virtual card to generate a verification result;
continuing the current payment process based on the first virtual card if a verification result indicates that the current payment process based on the first virtual card is valid; and
terminating the current payment process based on the first virtual card if the verification result indicates that the current payment process based on the first virtual card is invalid.

### Claim 20 (depends on 19)

The computer program product of claim 19, wherein continuing the current payment process based on the first virtual card if a verification result indicates that the current payment process based on the first virtual card is valid comprises
performing an identity authentication according to payer information in the payment request if the verification result indicates that the current payment process based on the first virtual card is valid; and
completing the current payment process using the first bank card corresponding to the first virtual card according to the mapping relationship after the identity authentication performed according to the payer information in the payment request is successful.