Device, system, and method for creating virtual credit card

Patent metadata

Field	Value
Publication number	US-2016275487-A1
Application number	US-201615171485-A
Country	US
Kind code	A1
Filing date	Jun 2, 2016
Priority date	Mar 13, 2014
Publication date	Sep 22, 2016
Grant date	—

Abstract

The present disclosure directs to method, device, system for creating virtual credit card. The method includes: receiving a subset of real-name information from a user interface of a terminal device; searching the real-name information stored in the first server with the subset of the real-name information; upon the real-name information is found, sending the real-name information to the second server; finding whether the real-name information associates with a credit card account; after finding the credit card account is not stored in the second server, determining whether an exchange resource account tying to the electronic exchange account is stored in the first server; if the exchange resource account is not stored, receiving account information of a resource saving account, and binding the electronic exchange account and the resource saving account; creating a virtual credit card account by the second server; and storing the virtual credit card in the first server.

First claim

What is claimed is:

1 . A device for creating a virtual credit card comprising: a first server having a data storage containing real-name information associated with an electronic exchange account;
wherein the first server is configured to:
receive a subset of real-name information from a user interface of a terminal device wherein the subset of the real-name information includes at least a portion of a user name or user identification number, wherein the portion is associated with the electronic exchange account;
search for the real-name information stored in the data storage using the received subset of the real-name information;
send the real-name information found in the data storage to the second server for use in finding an associated credit card account stored in the second server;
receive a credit indicator from the second server if the credit card account is not stored in the second server;
determine, upon receipt of the credit indicator, whether an exchange resource account associated with the electronic exchange account is stored in the data storage;
send, upon receipt of a determination that the exchange resource account is not stored in the data storage, a binding instruction to the user interface of the terminal device;
receive, according to the binding instruction, account information of a resource saving account from the user interface of the terminal device;
store the account information to the data storage;
bind the electronic exchange account and the resource saving account;
send a binding result to the second server;
receive information associated with a virtual credit card account created by the second sever after receiving the binding result; and
store the virtual credit card associated with the virtual credit card account in the data storage of the first server.

2 . The device of claim 1 , wherein the first server is configured to:
acquire user history data according to the electronic exchange account, and send the user history data to the second server wherein the user history data is used to create the virtual credit card account.

3 . The device of claim 1 , wherein the first server is configured to validate the terminal device before binding the electronic exchange account and the resource saving account, wherein the first server is further 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 validation terminal identity received by the first server; in response to send the validation information, receive second validation information to be validated from the terminal device; determine whether the second validation information matches the validation information; and validate the terminal device by saving an indicator in the data storage to indicate the terminal device is validated if the second validation information matches the validation information.

4 . The device of 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:
receive the virtual credit card account information from the second server, 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.

6 . The device of claim 5 , wherein the first server is configured to:
receive a second set of user information from the user interface of the terminal device; send the received second set of information to the second server, wherein the second set of information is used for increasing the credit limit for the virtual credit card account stored in the second server; and attach the increased credit limit to the virtual credit card stored in the first server.

7 . The device of claim 5 , 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, 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 a subset of real-name information from a user interface, wherein the subset of the real-name information comprises at least a portion of: a user name or a user identification number, wherein the portion is associated with an electronic exchange account stored in the data storage of the first server;
wherein the first server is configured to: receive the subset of the real-name information from the terminal device,
search the real-name information stored in the data storage with the subset of the real-name information, wherein the real-name information is pre-stored in the data storage;
upon the real-name information is found in the first server, send the real-name information from the first server to the second server;
wherein the second server is configured to:
upon the receipt of the real-name information, find whether the real-name information associates with a credit card account that is stored in the second server,
after finding the credit card account is not stored in the second server, sending a credit indicator from the second server to the first server;
wherein the first server is configured to:
after receiving the credit indicator, determine whether an exchange resource account tying to the electronic exchange account is stored in the data storage;
if the exchange resource account tying the electronic exchange account is not stored in the data storage, send a binding instruction to the user interface of the terminal device;
wherein the terminal device is configured to:
according to the binding instruction, receive 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 of the resource saving account, and store the account information in the data storage, bind the electronic exchange account and the resource saving account, and send a binding result that results from binding the electronic exchange account and the resource saving account to the second server;
wherein the second server is configured to:
receive the binding result from the first sever, and create a virtual credit card account; and
wherein the first server is configured to:
store the virtual credit card 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:
acquire user history data from the data storage according to the electronic exchange account, and send the user history data to the second server; and
the second server is configured to:
receive the user history data, and create the virtual credit card account by using the user history data.

10 . The system of claim 9 , wherein the second server is configured to:
analyze the user history data by accessing at least one of: user payment data, user social d

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

• G06Q20/351 Primary

  Virtual cards · CPC title

• G06Q20/363

  with the personal data of a user · CPC title

• G06F3/0481

  based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance · CPC title

• G06Q20/40

  Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists · CPC title

• G06F17/30864

  Physics · mapped topic