Device, system, and method for creating virtual credit card

Patent metadata

Field	Value
Publication number	US-2016275486-A1
Application number	US-201615170717-A
Country	US
Kind code	A1
Filing date	Jun 1, 2016
Priority date	Mar 13, 2014
Publication date	Sep 22, 2016
Grant date	—

Abstract

Device, system and method for creating virtual credit card are provided. The method includes: receiving real-name information from a user interface of a terminal device wherein an electronic exchange account associated with the real-name information is not stored in a first server; receiving the user real-name information by the second server, finding whether a credit card account associating with the user real-name information is stored, and when the credit card account is not stored, sending an indicator to the first server; receiving account information a resource saving account by the first server, creating an electronic exchange account by using the user real-name information and binding the electronic exchange account with the resource saving account; creating a virtual credit card account by using the real-name information; and storing the virtual credit card associated with the virtual credit card account in the data storage.

First claim

1 . A device for creating a virtual credit card comprising:
a first server having a data storage that communicates to a terminal device having a user interface and a second server, wherein, when an electronic exchange account associated with real-name information is not already stored in the data storage, the first server is configured to; receive real-name information from the user interface; store the real-name information in the data storage, and send the real-name information to the second server for use in finding whether an associated credit card account is stored in the second server; receive an indicator from the second server if the credit card account is not found; send a binding instruction to the user interface of the terminal device; acquire account information of a resource saving account from the user interface in accordance with the binding instruction; create an electronic exchange account by using the user real-name information stored in the data storage, bind the electronic exchange account with the resource saving account by using the received account information, and send the binding result to the second server, wherein a virtual credit card account is created by the second server by using the real-name information; and store the virtual credit data associated with the virtual credit card account in the data storage.

2 . The device of claim 1 , wherein the first server is configured to:
acquire user history data stored in the data storage of the first server by using the user real-name information, and send the user history data to the second server, wherein the virtual credit card account is created by using the user history data.

3 . The device of claim 1 , wherein the first server is configured to validate the terminal device by the first server, wherein the first server is configured to:
receive a validation terminal identity from the user interface of the terminal device; send validation information to a second user interface according to the received validation terminal identity; in response to send the validation information, receive second validation information from the terminal device; determine whether the received second validation information matches the sent validation information; and validate the terminal device by saving an indicator in the data storage of the first server to indicate the terminal device is validated if the second validation information matches the validation information.

4 . The device of claim 3 , wherein the first server is configured to:
validate the terminal device by using at least one of: SMS validation, instant messaging validation, voice validation, and email validation.

5 . The device of claim 1 , wherein the first server is configured to:
send an exchange key acquiring instruction to the user interface of the terminal device; according to the exchange key acquiring instruction, acquire an electronic exchange key from the user interface; and attach the electronic exchange key to the electronic exchange account stored in the data storage.

6 . The device of claim 5 , wherein the first server is configured to:
receive virtual credit card account information from the second server; bind the stored virtual credit card and the created electronic exchange account according to the virtual credit card account information; and send a second binding result that results from binding the electronic exchange account and the virtual credit card to be displayed in the user interface of the terminal device.

7 . The device of claim 6 , wherein the first server is configured to:
bind the virtual credit card and the resource saving account stored in the data storage, and display a notification in the user interface of the terminal device to notify that the virtual credit and the resource saving account are bound; and automatically transfer fund from the bound resource saving account to the virtual credit card stored in the first server when the virtual credit card is overdrawn.

8 . A system for creating virtual credit to be stored in a data storage, comprising: a first server having the data storage, a terminal device having a user interface communicating to the first server, and a second server communicating to the first server;
wherein the terminal device is configured to: receive real-name information from a user interface wherein an electronic exchange account associated with the real-name information is not stored in the first server; wherein the first server is configured to: store the real-name information in the data storage, and send the real-name information to a second server; wherein the second server is configured to: receive the user real-name information, find whether a credit card account associating with the user real-name information is stored in the second server, and when the credit card account is not stored in the second sever, send an indicator indicating that the credit card account is not found to the first server; wherein the first server is configured to: receive the indicator, and sending a binding instruction to the user interface of the terminal device; wherein the terminal device is configured to: according to the binding instruction, acquire account information of a resource saving account from the user interface, and send the account information to the first server; wherein the first server is configured to: receive the account information, create an electronic exchange account by using the user real-name information stored in the data storage, and bind the electronic exchange account with the resource saving account by using the received account information, and send a binding result to the second server; wherein the second server is configured to: receive the binding result by the second server, and create a virtual credit card account by using the real-name information; and wherein the first server is configured to: store the virtual credit data associated with the virtual credit card account in the data storage of the first server.

9 . The system of claim 8 , wherein:
the first server is configured to: send an exchange key acquiring instruction to the user interface of the terminal device; the terminal device is configured to: according to the exchange key acquiring instruction, acquire an electronic exchange key; and the first server is configured to: receive the electronic exchange key, and attach the electronic exchange key to the electronic exchange account stored in the data storage.

10 . The system of claim 8 , wherein the first server is configured to:
receive the virtual credit card account information, and bind the virtual credit card and the electronic exchange account; and send a second binding result that results from binding the electronic exchange account and the virtual credit card to be displayed in the user interface of the terminal device.

11 . The system of claim 10 , wherein the first server is configured to:
bind the virtual credit card and the resource saving account stored, and display a notification in the user interface of the terminal device to notify that the virtual credit and the resource saving account are bound; and automatically transfer fund from the bound resource saving account to the virtual credit card stored in the first server when the virtual credit card is overdrawn.

12 . A method for creating a virtual credit card to be stored in a data storage, comprising:
receiving real-name information from a user interface of a terminal device wherein an electronic exchange account associated with the real-name information is not stored in a first server; storing the real-name inform

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

• G06Q20/3221

  Access to banking information through M-devices · CPC title

• G06Q20/105

  involving programming of a portable memory device, e.g. IC cards, "electronic purses" · CPC title

• G06Q20/409

  Device specific authentication in transaction processing · CPC title

• G06Q20/351 Primary

  Virtual cards · CPC title

• G06Q20/325

  using wireless networks · CPC title