Device, system, and method for creating virtual credit card

Patent metadata

Field	Value
Publication number	US-11113684-B2
Application number	US-201615170650-A
Country	US
Kind code	B2
Filing date	Jun 1, 2016
Priority date	Mar 13, 2014
Publication date	Sep 7, 2021
Grant date	Sep 7, 2021

Abstract

Device, system and method for creating virtual credit are provided. The method includes acquiring user real-name information from a user interface by a terminal device, wherein an electronic exchange account associating with the acquired user real-name information is not saved in a first server; sending the user real-name information to a second server; detecting if a credit card account associating with the user real-name information is saved in the second server, and creating a virtual credit card account if the credit card account is saved in the second server; and storing the virtual credit card associated with the virtual credit card account in the data storage of the first server.

First claim

The invention claimed is:

1. A social network application and exchange server for providing social network accounts to users comprising a data storage containing real-name user information, a memory containing instructions, and a processor, wherein the processer, when executing the instructions, is configured to cause the social network application and exchange server to create an exchange account bound to a social network account of a user in the social network application server and a virtual credit card bound to the exchange account by causing the social network application server to:
receive, via the social network account of the user, user real-name ID information of the user from a user interface of a social network application corresponding to the social network application and exchange server and running on a client terminal device;
send the user real-name ID information to a second server, for use by the second server for detecting if a credit card account associating with the user real-name ID information was previously issued and is saved in the second server;
receive an identity of a validation terminal device sent from the second server in response to determining that a credit card account associated with the user real-name ID information was previously issued, wherein the validation terminal device is different from the client terminal device;
perform validation by sending a validation code to the validation terminal device according to the received identity of the validation terminal device, receiving a second code entered by a user into the client terminal device wherein the second code is determined by the user by obtaining the validation code from the validation terminal device, and determining that the validation is successful when the validation code matches the second code; and
upon determining that the validation is successful:
send an indicator of successful validation to the second server to prompt the second server to create a virtual credit card account separate from and independent of the credit card account previously issued;
send user historical social data of the user including at least one of historical online time, historical social network chatting time, historical email data, and historical social network login data to the second server for the second server to generate a credit limit for the virtual credit card account;
receive the virtual credit card account and the credit limit;
open a new electronic exchange account associated with the received user real-name ID information, wherein the new electronic exchange account has a binding relationship with the social network account;
create a binding relationship between the virtual credit card account and the new electronic exchange account; and
conduct a transaction using the virtual credit card account via the binding relationship on behalf of the new electronic exchange account from the user interface provided by the social network application.

2. The social network application server of claim 1 , wherein the validation code is sent to the validation terminal device via at least one of: SMS, instant messaging, voice, and email.

3. The social network application and exchange server of claim 1 , wherein the social network application server is configured to open the new electronic exchange account by:
sending an exchange key acquiring instruction to the user interface of the client terminal device;
according to the exchange key acquiring instruction, acquiring an electronic exchange key; and
creating the new electronic exchange account according to the electronic exchange key and the user real-name ID information.

4. A system for creating an exchange account bond to a social network account of a user in a social network application and exchange server and a virtual credit card bound to the exchange account to be stored in a data storage of the social network application and exchange server, comprising: the social network application and exchange server having the data storage, a client terminal device having a user interface communicating with the social network application and exchange server, and a second server communicating with the social network application and exchange server,
wherein the client terminal device is configured to:
run a social network application to access the social network application and exchange server via the social network account of the user corresponding to user real-name ID information; and
acquire the user real-name ID information from the user interface of the social network application and send the user real-name ID information to the social network application and exchange server;

wherein the social network application server is configured to:
receive the user real-name ID information from the client terminal device;
send the user real-name ID information to the second server, for use by the second server for detecting if a credit card account associated with the user real-name ID information was previously issued and is saved in the second server;
receive an identity of a validation terminal device sent from the second server in response to determining that a credit card account associated with the user real-name ID information was previously issued, wherein the validation terminal device is different from the client terminal device;
perform validation by sending a validation code to the validation terminal device according to the received identity of the validation terminal device, receiving a second code entered by the user into the client terminal device wherein the second code is determined by the user by obtaining the validation code from the validation terminal device, and determining that the validation is successful when the validation code matches the second code; and
upon determining that the validation is successful:
send an indicator of successful validation to the second server to prompt the second server to create a virtual credit card account separate from and independent of the credit card account previously issued;
send user historical social data of the user including at least one of historical online time, historical social network chatting time, historical email data, and historical social network login data to the second server for the second server to generate a credit limit for the virtual credit card account;
receive the virtual credit card account and the credit limit;
open a new electronic exchange account associated with the received user real-name ID information, wherein the new electronic exchange account has a binding relationship with the social network account;
create a binding relationship between the virtual credit card account and the new electronic exchange account; and
conduct a transaction using the virtual credit card account via the binding relationship on behalf of the new electronic exchange account from the user interface provided by the social network application; and

wherein the second server is configured to:
receive the user real-name ID information from the social network application and exchange server;
send the identity of the validation terminal device to the social network application and exchange server;
receive the indicator of successful validation from the social network application and exchange; and
creating the virtual credit card account.

5. The system of claim 4 , wherein:
the client terminal device is further configured to receive a binding result from the social network application and exchange server, and display the binding result in the user interface of the client terminal device.

6. The system of claim 4 , wherein:
the social network application and exchange server is further configured to:
send an exchange key acquiring instruction to the user interface of the client

Assignees

• Tencent Tech Shenzhen Co Ltd

Inventors

• Liu Guoguo
• Wu Yi
• Gong Chen
• Zhang Wenjing
• Zhang Jinming
• Tan Jinwen
• Guo Yixin
• Ye Wa
• Hou Liang
• Xu Zhenyu
• Zhang Bin
• Chen Wei
• Zheng Haojian
• Jiang Yingyi
• Song Lingyun
• Jiang Nan

Classifications

• G06Q40/02 Primary

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title

• H04L51/56

  Unified messaging, e.g. interactions between e-mail, instant messaging or converged IP messaging [CPM] · CPC title

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title

• G06Q20/24

  Credit schemes, i.e. "pay after" · CPC title

• G06Q20/22

  Payment schemes or models · CPC title