CN1619560A - Card data business system used for payment on net and its method - Google Patents
Card data business system used for payment on net and its method Download PDFInfo
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Abstract
The present invention relates to the field of data transmission technology. In the concrete, it is a card data transaction system for payment on net and its method. Said system includes data table, virtual card verification device, virtual card transaction, processing device and interface of bank service system. Said invention also provides the steps for implementing said method.
Description
Technical field
The present invention relates to online data communication technology field, particularly a kind of card data transacting system and method that is used for online payment.
Background technology
Along with internet and rapid development of electronic commerce, more and more enterprises or individual's beginning are commenced business on the net, and this greatly facilitates the public, stays indoors and just can enjoy various services and information.Usually, the holder accepts service on the net or information uses bank card to carry out online payment, needs input bank's card number and password.This modes of payments exists very big potential safety hazard, and transmission credit card number and password may be obtained and usurp by third party's malice on the net, causes user's fund loss, and this has limited carrying out of operational line to a great extent.
Virtual card of the present invention is applied in the B2C shopping online as Payment Card.
Summary of the invention
The present invention relates to online data communication technology field, by computer network, data transmission realizes the data trade of card on the net.The purpose of this invention is to provide a kind of card data transacting system and method that is used for online payment.Be a kind of data transacting system of virtual card specifically.Be used for the payment of bank.The present invention aims to provide a kind of online payment transaction system and method based on virtual card, effectively reduces the risk of the embezzlement of bank card of bank card online payment existence, ensures the security of online payment.
Present invention includes a kind of virtual card transaction system and method, described system: described virtual card does not have physical medium, can only be used for operational line, its inscape has card number at least, cardholder information and holder set payment cipher, the virtual card transaction system comprises data form, the virtual card demo plant, the virtual card traction processing apparatus reaches the interface with banking system, wherein data form has write down virtual card inscape and the bank account that is associated, the virtual card cardholder information is consistent with possessor's information of bank paying number, wherein the virtual card demo plant is used to verify the legitimacy of virtual card, wherein the virtual card traction processing apparatus is used to finish the business processing of user's request, wherein is used to be connected banking system and finishes transaction with the interface of banking system.The virtual card demo plant is connected in the virtual card traction processing apparatus, and the virtual card traction processing apparatus is connected in banking system interface and data form.
The virtual card card number of virtual card transaction system comprises card sequence number and check bit, and the card sequence number is used to identify different virtual cards, and check bit is used to carry out the card number verification of correctness.
The business that the virtual card transaction system can be finished comprise offer virtual card, the virtual card parameter be set, account transfer between virtual card and other bank cards or the bank account, online payment, the inquiry of virtual card fund, virtual card transaction detail query, virtual card nullify.
The virtual card of offering of virtual card transaction system comprises setting to payment cipher.
The virtual card transaction system comprises that to finishing professional processing the virtual card demo plant carries out the legitimacy judgement of virtual card number, comprises check code is carried out verification and the virtual card card is identified BIN judging.The validation of payment password is also wanted in the online payment transaction of virtual card transaction system.
The virtual card parameter that is provided with of virtual card transaction system comprises to the setting of virtual card display image with to the setting of the virtual card payment upper limit.
In the online payment transaction of virtual card transaction system, whether the virtual card traction processing apparatus need surpass the described payment upper limit to payment is judged.
The virtual card of virtual card transaction system is nullified in the transaction, and the virtual card traction processing apparatus changes the virtual card remaining sum over to the bank card or the bank account of other appointment.
A kind of card data trade method that is used for online payment, comprising: the card data of online payment are opened the card method of commerce; The card data trade method of online payment; The card data trade of online payment is nullified chucking method.
Invention has designed a kind of virtual card and virtual card system, and the inscape of virtual card comprises card number, cardholder information and number of the account at least, and virtual card does not have physical medium.The virtual card system is responsible for handling the transaction relevant with this card and blocks management, the virtual card system comprises a form in main frame, record virtual card and the bank account that is associated, and have a group interface to use for other operation system, finish the account by this interface virtual card system by banking system and handle to realize payment.Will be considered as transaction by described virtual card system for the transaction of virtual card to described virtual card corresponding account.
At first generate a virtual card number when opening card, and write down the corresponding relation between the account number of virtual card number and one or more bank accounts in above table, described account is opening the stylish account who opens of card.
When paying on the net, the virtual card system accepts the payment instruction from the client, verify described virtual card and payment cipher thereof, inquire about the account No. that is associated according to described virtual card number, relevant account No. and payment data are carried out the corresponding payment processing by interface transmission banking system, banking system turns back to result the virtual card system from interface again after finishing payment, finishes virtual card payment transaction.
The virtual card system can realize comprising funds transfer between virtual card and other bank accounts changing over to and producing by described interface.
The virtual card system can realize the inquiry of virtual card transaction details by described interface.
The virtual card system can realize the reimbursement of virtual card online payment by described interface.
Virtual card number can be provided with check bit, virtual card system check card number, and part prevents to import the extra process that virtual card number brings because of client's mistake.
The virtual card system comprises credit date, credit time, Currency Type, the amount of money, transaction sequence number, transaction code etc. to virtual card transaction note transaction log, is used to audit, add up the business transaction that takes place under the virtual card.
The virtual card system judges by card sign BIN whether the specified card number of accepting of instruction is virtual card.
Great advantage of the present invention is, there is not the problem of losing of card in confidentiality greatly.
Marginal data
Fig. 1 is the structural drawing of virtual card subsystem in the card data transacting system of online payment of the present invention.
Fig. 2 be online payment of the present invention the card data trade open the chucking method process flow diagram.
Fig. 3 is the method flow diagram of the card data trade of online payment of the present invention.
Fig. 4 is the card data transacting system figure of online payment of the present invention.
Fig. 5 is the cancellation chucking method process flow diagram of the card data trade of online payment of the present invention.
Embodiment
Present embodiment has illustrated the virtual card application in the bank on the net, shown in Fig. 1-5.
The device of Fig. 1 is equivalent to the virtual card subsystem 3 among Fig. 4.Wherein:
7. virtual card demo plant is used to verify the legitimacy of virtual card;
8. the virtual card traction processing apparatus is used to finish the business processing that the user asks;
9. with the interface of banking system, be used to connect banking system and finish transaction;
10. data form has write down the Bank Account Number of virtual card inscape and appointment, and the virtual card cardholder information is consistent with possessor's information of Bank Account Number.
Virtual card demo plant 7 is connected in virtual card traction processing apparatus 8, and virtual card traction processing apparatus 8 is connected in banking system interface 9 and data form 10.
Present embodiment has illustrated the virtual card application in the bank on the net, as shown in Figure 1.
The client initiates a registering transaction by the virtual card system to core business system by Web bank, sets up account and incidence relation, and after core business system was returned, banking system write down the corresponding relation of virtual card number and customer number on the net.
This blocks the characteristic by following aspect:
1, virtual card uses in the banking system on the net, does not have physical medium.
2, virtual card can only be used for the B2C shopping, not virtual support card login of banking system on the net.
3, this card is the debit card of a kind of neocaine BIN of Unionpay's standard (95588), does not have folding, does not have card, Multiple Currencies family.
4, whether the record client has virtual card in the core banking system.
5, virtual card uniqueness: it is normal virtual card that the client can only hold a state.
When 6, the client is with virtual card shopping login, utilize the original payment cipher identity verification of Web bank.Do not increase any other password setting function in addition.
7, the remaining sum top limit of virtual card is by client's bank's appointment on the net.
At first when opening card, generate a virtual card number, and in above table, write down virtual card number with
Corresponding relation between the account number of one or more bank accounts, described account is when opening card
The account who newly opens.
Open card transaction processing flow process: referring to Fig. 2
The card data of online payment are opened the card method of commerce, and step is as follows:
(1), according to opening card transaction input data call core business system interface, initiate request to core business system, apply for newly opening virtual card;
(2), core business system is imported data check, the bank account that generation is related;
(3), generate virtual card number, the mapping relations of virtual card number of record and customer number in data form; The payment cipher of virtual card is set.
Its concrete steps are as follows:
Behind S2-1, the client's logging in to online banks, can select the virtual card registering functional, the virtual card system judges whether this client has virtual card;
S2-2, call the core business system interface to main frame application virtual card;
After S2-3, core business are done coherence check, open card, need note the existing virtual card of this person simultaneously, after the Transaction Success,, repeat again to submit to, can make and repeat to judge if Web bank does not obtain returning bag;
S2-4, virtual card number of record and customer number corresponding relation in the banking data base on the net;
S2-5, virtual card is registered in client's the accreditation card tabulation;
S2-6, closing the transaction.
The login transaction processing:
Because virtual card number belongs to accreditation card, therefore be recorded in the accreditation card tabulation, that need judge accreditation card when login does not allow login.
When paying on the net, the virtual card system accepts the payment instruction from the client, verify described virtual card and password thereof, inquire about the account No. that is associated according to described virtual card number, relevant account No. and payment data are carried out the corresponding payment processing by interface transmission banking system, banking system turns back to result the virtual card system from interface again after finishing payment, finishes virtual card payment transaction.
The virtual card purchase transaction is handled: referring to Fig. 3
The card data trade method of online payment, step is as follows:
(1), customer order data is sent payment system to the Web by the HTTPPOST mode;
(2), the signed data of online payment system checking order, to confirm merchant identification;
(3), online payment system calls the core business system interface, check whether Payment Card is legal virtual card, and finish the checking of payment cipher;
(4), whether judge remaining sum in the virtual card greater than the order amount of money, if Sorry, your ticket has not enough value then the payment transaction failure;
(5), finish the funds transfer Account Disposal of payment transaction by the core business system interface.
The virtual card shopping process is identical with the register flow path of other card, calls original B2C interface.
S3-1, the client free choice of goods on merchant website forms order;
After S3-2, client confirm an order, forward sequence information to online payment system by the HTTPPOST mode.Online payment system is obtained the checking key element according to the identification number of trade company, and the signing messages of checking order after being proved to be successful, is showed the payment page to the user, and the echo sequence information also points out the client to import payment card number and payment cipher;
S3-3, payment system are called the core business system interface, check whether Payment Card is payment system
The accreditation card of system, and finish the inspection of payment cipher.According to customer information, check simultaneously
Whether this client exists virtual card, if there is virtual card, and this transaction input
Payment Card is not a virtual card, and then payment system uses virtual card as Payment Card automatically;
Whether S3-4, system judge remaining sum in the virtual card greater than the order amount of money, if Sorry, your ticket has not enough value then point out the client trading failure;
S3-5, finish the payment accounting processing;
S3-6, payment system return to the client with transaction results, if the client that virtual card arranged does not use virtual card when input payment card number, and this payment card number (being the virtual card card number) of payment system prompting client then.Closing the transaction.
The virtual card transfer transactions is handled:
Select bank card can and virtual card between transfer accounts, when changing virtual card over to, core business system
System interface fibrous root is according to sending remaining sum in the limit control card in the Web bank.The virtual card management:
1, the virtual card transaction is distinguished by transaction code, embodies in the bank return on the net.
2, open an account number statistics can be added up the expense amount of virtual card in Web bank's form.
The card data transacting system of the online payment of Fig. 4 comprises: kernel business of bank system 1, be included in virtual card subsystem 3, database 4, merchant website 6 and client terminal 5 in the bank system of web 2.Wherein, kernel business of bank system 1 is interconnected with bank system of web 2, and bank system of web 2 is interconnected with merchant website 6, client terminal 5, database 4 respectively.
If the client no longer wishes to use virtual card, then can conclude the business by self-service initiation pin card, delete the virtual card of oneself.
The card data trade of online payment is nullified chucking method, and step is as follows:
(1), by core business system interface check virtual card remaining sum;
(2) if remaining sum greater than 0, then needs remaining sum is changed in the card or bank account of appointment;
(3), delete virtual card and bank account, deletion virtual card log-on message.
Nullify the card transaction processing method, referring to Fig. 5:
S5-1, customer selecting is nullified the virtual card function;
S5-2 selects the virtual card card number that need nullify;
S5-3, if remaining sum greater than 0, then needs to select remaining sum to change card number over to, otherwise directly pin blocks;
S5-4, system change remaining sum in the card of customer selecting;
S5-5, system finish pin card function;
S5-6, system delete virtual card information from customer information;
S5-7, system be deletion virtual card information from the accreditation card tabulation;
S5-8, closing the transaction.
Another account number that changes over to that needs client's typing residue remaining sum and interest is initiated virtual card account transfer cancellation transaction.Changing the account client over to can import by hand, also can be from selecting other accreditation card of Web bank.
Claims (17)
1, a kind of card data transacting system of online payment, comprise: the kernel business of bank system, be included in virtual card subsystem, database, merchant website and client terminal in the bank system of web, wherein, kernel business of bank system and bank system of web are interconnected, and bank system of web is interconnected with merchant website, client terminal, database respectively.
2, card data transacting system according to the online payment of claim 1, it is characterized in that, described virtual card does not have physical medium, can only be used for operational line, its inscape has card number at least, cardholder information and holder set payment cipher, the remaining sum limit, virtual card transaction subsystem comprises data form, the virtual card demo plant, the virtual card traction processing apparatus reaches the interface with banking system, wherein data form has write down the virtual card inscape, wherein the virtual card demo plant is used to verify the legitimacy of virtual card, wherein the virtual card traction processing apparatus is used to finish the business processing of user's request, wherein be used to be connected banking system and finish transaction with the interface of banking system, the virtual card demo plant is connected in the virtual card traction processing apparatus, and the virtual card traction processing apparatus is connected in banking system interface and data form.
3, the card data transacting system of online payment according to claim 1 and 2 is characterized in that, the virtual card card number comprises card sequence number and check bit, and the card sequence number is used to identify different virtual cards, and check bit is used to carry out the card number verification of correctness.
4, the card data transacting system of online payment according to claim 1 and 2, it is characterized in that, the business that can finish comprise offer virtual card, the virtual card parameter be set, account transfer between virtual card and other bank cards or the bank account, online payment, the inquiry of virtual card fund, virtual card transaction detail query, virtual card nullify.
5, the card data transacting system of online payment according to claim 4 is characterized in that, the described virtual card of offering comprises setting to payment cipher.
6, the card data transacting system of online payment according to claim 4, it is characterized in that, it judges the legitimacy of finishing professional processing and comprising that the virtual card demo plant carries out virtual card number, comprises check code is carried out verification and to the capable judgement of virtual card payment cipher.
7, the card data transacting system of online payment according to claim 5 is characterized in that, described online payment transaction also needs the validation of payment password.
8, the card data transacting system of online payment according to claim 6 is characterized in that, the described virtual card parameter that is provided with comprises to the setting of virtual card display image with to the setting of the virtual card payment upper limit.
9, the card data transacting system of online payment according to claim 7 is characterized in that, in described online payment transaction, whether the virtual card traction processing apparatus need surpass the described payment upper limit to payment is judged.
10, the card data transacting system of online payment according to claim 7 is characterized in that, nullifies in the transaction at described virtual card, and the virtual card traction processing apparatus changes the virtual card remaining sum over to the bank card or the bank account of other appointment.
11, a kind of card data trade method that is used for online payment, comprising: the card data of online payment are opened the card method of commerce; The card data trade method of online payment; The card data trade of online payment is nullified chucking method.
12, according to the card data trade method of the online payment of claim 11, it is characterized in that the card data of online payment are opened the card method of commerce, step is as follows:
(1), according to opening card transaction input data call core business system interface, initiate request to core business system, apply for newly opening virtual card;
(2), core business system is imported data check, the bank account that generation is related;
(3), generate virtual card number, the mapping relations of virtual card number of record and customer number in data form; The payment cipher of virtual card is set.
13. the card data trade method according to the online payment of claim 12 is characterized in that, the card data are opened card and are concluded the business, and its concrete steps are as follows:
Behind S2-1, the client's logging in to online banks, can select the virtual card registering functional, the virtual card system judges whether this client has virtual card;
S2-2, call the core business system interface to main frame application virtual card;
After S2-3, core business are done coherence check, open card, need note the existing virtual card of this person simultaneously, after the Transaction Success,, repeat again to submit to, can make and repeat to judge if Web bank does not obtain returning bag;
S2-4, virtual card number of record and customer number corresponding relation in the banking data base on the net;
S2-5, virtual card is registered in client's the accreditation card tabulation;
S2-6, closing the transaction.
14, according to the card data trade method of the online payment of claim 11, it is characterized in that, the card data trade method of online payment, step is as follows:
(1), customer order data is sent payment system to the Web by the HTTPPOST mode;
(2), the signed data of online payment system checking order, to confirm merchant identification;
(3), online payment system calls the core business system interface, check whether Payment Card is legal virtual card, and finish the checking of payment cipher.
(4), whether judge remaining sum in the virtual card greater than the order amount of money, if Sorry, your ticket has not enough value then the payment transaction failure;
(5), finish the funds transfer Account Disposal of payment transaction by the core business system interface.
15. the card data trade method according to the online payment of claim 14 is characterized in that,
The card data trade of online payment, its concrete steps are as follows:
S3-1, the client free choice of goods on merchant website forms order;
After S3-2, client confirm an order, forward sequence information to online payment system by the HTTPPOST mode.Online payment system is obtained the checking key element according to the identification number of trade company, and the signing messages of checking order after being proved to be successful, is showed the payment page to the user, and the echo sequence information also points out the client to import payment card number and payment cipher;
S3-3, payment system are called the core business system interface, check whether Payment Card is payment system
The accreditation card of system, and finish the inspection of payment cipher.According to customer information, check simultaneously
Whether this client exists virtual card, if there is virtual card, and this transaction input
Payment Card is not a virtual card, and then payment system uses virtual card as Payment Card automatically;
Whether S3-4, system judge remaining sum in the virtual card greater than the order amount of money, if Sorry, your ticket has not enough value then point out the client trading failure;
S3-5, finish the payment accounting processing;
S3-6, payment system return to the client with transaction results, if the client that virtual card arranged does not use virtual card when input payment card number, and this payment card number of payment system prompting client then, closing the transaction.
According to the card data trade method of the online payment of claim 11, it is characterized in that 16, the card data trade of online payment is nullified chucking method, step is as follows:
(1), by core business system interface check virtual card remaining sum;
(2) if remaining sum greater than 0, then needs remaining sum is changed in the card or bank account of appointment;
(3), delete virtual card and bank account, deletion virtual card log-on message.
17. the card data trade method according to the online payment of claim 16 is characterized in that, the card data trade of online payment is nullified card, and its concrete steps are as follows:
S5-1, customer selecting is nullified the virtual card function;
S5-2 selects the virtual card card number that need nullify;
S5-3, if remaining sum greater than 0, then needs to select remaining sum to change card number over to, otherwise directly pin blocks;
S5-4, system change remaining sum in the card of customer selecting;
S5-5, system finish pin card function;
S5-6, system delete virtual card information from customer information;
S5-7, system be deletion virtual card information from the accreditation card tabulation;
S5-8, closing the transaction.
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| Application Number | Priority Date | Filing Date | Title |
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| CN 200410009985 CN1619560A (en) | 2004-12-09 | 2004-12-09 | Card data business system used for payment on net and its method |
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| CN 200410009985 CN1619560A (en) | 2004-12-09 | 2004-12-09 | Card data business system used for payment on net and its method |
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| CN106557972A (en) * | 2015-09-30 | 2017-04-05 | 腾讯科技（深圳）有限公司 | Realize the information processing method and system of Virtual User card |
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| CN107688649A (en) * | 2017-08-31 | 2018-02-13 | 江西博瑞彤芸科技有限公司 | Querying method based on ideal money service platform |
| CN107564175A (en) * | 2017-09-12 | 2018-01-09 | 中国联合网络通信集团有限公司 | One kind moves back chucking method, moves back card terminal, mobile network operating side and reimbursement terminal |
| CN111429132A (en) * | 2020-03-04 | 2020-07-17 | 支付宝(杭州)信息技术有限公司 | A business processing method and device |
| CN111429132B (en) * | 2020-03-04 | 2023-03-24 | 支付宝(杭州)信息技术有限公司 | Service processing method and device |
| CN111695895A (en) * | 2020-06-12 | 2020-09-22 | 中国银行股份有限公司 | Virtual account management method and device |
| CN111695895B (en) * | 2020-06-12 | 2023-09-05 | 中国银行股份有限公司 | Virtual account management method and device |
| CN112837054A (en) * | 2021-03-26 | 2021-05-25 | 中国工商银行股份有限公司 | An online payment method and device |
| CN113222589A (en) * | 2021-06-04 | 2021-08-06 | 中国银行股份有限公司 | Virtual card associated information updating method and device |
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