CN105590214A - Payment method and payment system based on virtual card - Google Patents

Abstract

The invention relates to a payment method based on a virtual card. The method includes: a virtual card issuance step; a virtual card activation step; a virtual card payment step, wherein in the virtual card payment step, the APP calculates the authorization information of the consumer's virtual card, and the accepting party's mobile terminal obtains the consumer's virtual card information. Authorization information and virtual card information, the accepting party sends the acquired virtual card information and consumption information together with the accepting party’s account information to the consumer’s account issuer through the transfer network, and the account issuer verifies the virtual card information and consumption information, If the verification is successful, the transaction is completed and the transaction result is handed over to the payment transfer network. By utilizing the present invention, virtual cards can be used to replace physical cards, and the security of payment can be improved.

Description

A virtual card payment method and payment system

technical field

The invention relates to the technical field of computer applications, in particular to a virtual card-based payment method and payment system.

Background technique

With the rapid development of the Internet and e-commerce, more and more companies or individuals start to conduct business online, which greatly facilitates the public, who can enjoy various services and information without leaving home. Usually cardholders use bank cards to make online payments when receiving services or information online, and need to enter the bank card number and password. There are certain hidden dangers in this payment method. The credit card and password transmitted on the Internet may be obtained by a third party and stolen, resulting in the loss of the user's funds.

On the other hand, with the development of smart terminals, payment methods based on smart terminals are becoming more and more popular, and many smart terminals can also participate in online payment.

However, there are many malicious acts on the Internet nowadays. Whether using bank card numbers and passwords or using smart terminals for online transactions, criminals may steal account numbers, which will bring certain threats to users’ card use and easily cause users property damage.

Contents of the invention

In view of the above problems, the present invention aims to provide a virtual card-based payment system and payment method that can realize payment without a physical card.

Further, the present invention aims to provide a virtual card-based payment system and payment method that can more effectively ensure payment security.

The payment method based on the virtual card of the present invention is characterized in that it comprises the following steps:

The virtual card issuing step is to set the mobile terminal as the carrier of the virtual card through the APP installed on the mobile terminal and provide the additional attribute information to the account issuer of the virtual card. The account issuer opens a virtual account according to the additional attribute information and sends the The APP returns the account identification code;

In the virtual card activation step, the user sends an activation request including the account identification code and additional attribute information to the account issuer through the APP to request activation of the account. After passing the verification of the account issuer, the activation code is sent to the mobile terminal, and the user passes the APP. Send the activation request containing the activation code to the account issuer, complete the activation of the virtual card after the account issuer verifies the activation code and send the card information of the virtual card to the APP;

In the virtual card payment step, the APP calculates the authorization information of the virtual card of the consumer, and the mobile terminal of the accepting party obtains the authorization information and consumption information of the virtual card of the consumer, and the authorization information and consumption information of the virtual card that the accepting party will obtain are shared with the accepting party. The account information is sent to the consumer's account issuer through the transfer network. The account issuer verifies the authorization information and consumption information of the virtual card, completes the transaction and submits the transaction result to the payment transfer network if the verification is successful.

Preferably, the step of issuing a virtual card includes the following sub-steps:

Set the mobile terminal as the carrier of the virtual card through the APP installed on the mobile terminal and provide additional attribute information to the account issuer of the virtual card, wherein the additional attribute information includes hardware information and/or user information of the mobile terminal, so The hardware information includes one or any combination of the motherboard serial number, SIM card serial number, WIFIMAC address, and OS identification code of the mobile terminal;

The account issuer opens a virtual account according to the additional attribute information, wherein the virtual account is associated with an existing physical card or is a newly opened account, and the account status is pending activation;

The account issuer provides the user with an account identification code, and returns the identification code to the APP.

Preferably, the step of activating the virtual card includes the following sub-steps:

The user requests to activate the account by sending an activation request including the account identification code, hardware information of the mobile terminal, and private data to the account issuer through the APP. The private data refers to personal passwords, answers to preset questions, and biometric data. one or any combination;

The account issuer verifies the received account identification code and hardware information, and if the verification is correct, the account issuer saves the private data and sends an activation code to the mobile terminal via SMS;

The user enters the activation code on the APP;

The APP sends the activation request containing the activation code to the account issuer;

The account issuer verifies whether it is correct. If the verification fails, the account activation will be rejected. If the verification is successful, the account status will be marked as activated. At the same time, the APP will be notified of the successful activation, and the card information of the virtual card will be issued to the APP. Among them, the Card information includes account use key, account key valid time range or length, and virtual card number.

Preferably, the virtual card payment step includes the following sub-steps:

The APP checks the validity period of the virtual card as the consumer, and if it is invalid, the transaction will be rejected, otherwise, the authorization information of this transaction will be calculated according to the agreed algorithm of the account issuer, where the authorization information includes: account use key, account key validity time One or more of range or length, transaction type, transaction information, hardware information, private data;

The accepting party's mobile terminal obtains the virtual card information and authorization information of the consumer's virtual card through the NFC function, sound waves or QR codes, and the accepting party passes the obtained virtual card information, authorization information and consumption information together with the accepting party's account information. The transfer network sends to the account issuer of the consumer;

The account issuer of the consumer verifies the virtual card information and consumption information. If the verification is successful, the account issuer of the consumer completes the transaction and forwards the transaction result to the payment transfer network. If the verification fails, the transaction is rejected.

Preferably, the issuer of the virtual card is a card-issuing bank or a card organization. If the virtual card is associated with the physical card, the virtual card number and the physical card number are in a mutual mapping relationship and the mapping relationship is stored in the virtual card issuer institution. If The virtual card has no connection with the physical card, and the virtual card issuer applies for a fund account to the issuing bank or card organization for the user.

The payment system based on the virtual card of the present invention is characterized in that it includes:

The consumer's mobile terminal is installed with an APP, which is used to set the mobile terminal as the carrier of the virtual card and provide additional attribute information to the account issuer of the following virtual card, and is also used to transfer the account containing the virtual card from the following The activation request for the following account identification code and additional attribute information sent by the issuer is sent to the account issuer to request activation of the account. When the activation code is received from the following account issuer, it is used to enter the activation code and will include activation The activation request of the code is sent to the account issuer of the virtual card, and is also used to calculate the authorization information of the virtual card of the consumer;

The account issuer of the virtual card is used to open a virtual card account based on the additional attribute information provided from the above APP and return the account identification code to the above APP, and is also used to verify the account identification code and additional attribute information returned from the APP, Send the activation code to the APP of the consumer in the case of passing the verification, verify the activation code returned from the APP of the above consumer, complete the activation of the virtual card after passing the verification of the activation code and send the card information of the virtual card Go to the APP of the above consumer, and complete the transaction when the account issuer of the virtual card successfully verifies the authorization information;

The accepting party's mobile terminal is used to obtain the authorization information and virtual card information of the consumer's virtual card, and send the acquired virtual card information and consumption information together with the accepting party's account information to the following payment transfer network;

The payment transfer network is used to send the virtual card information, consumption information, and account information of the accepting party from the mobile terminal of the accepting party to the account issuer of the consumer, and notify the accepting party of the transaction result when the transaction is completed mobile terminal.

Preferably, the consumer's mobile terminal is used to calculate authorization information based on one or more of the account use key, account key valid time range or length, transaction type, transaction information, mobile terminal hardware information, and private data .

The payment method based on the virtual card of the present invention is characterized in that it comprises the following steps:

The virtual card issuing step is to set the mobile terminal as the carrier of the virtual card through the APP installed on the mobile terminal and provide the additional attribute information of the mobile terminal to the account issuer of the virtual card, and the account issuer opens a virtual account according to the provided additional attribute information And return the account identification code to the APP;

In the virtual card activation step, the user sends an activation request including the account identification code and additional attribute information to the account issuer through the APP to request activation of the account. After passing the verification of the account issuer, the activation code is sent to the mobile terminal, and the user passes the APP. Send the activation request containing the activation code to the account issuer, complete the activation of the virtual card after the account issuer verifies the activation code and send the card information of the virtual card to the APP;

In the virtual card payment step, the APP calculates the authorization information of the virtual card and displays it on the mobile terminal. The user enters the card information and authorization information of the virtual card into the payment webpage of the merchant, and the payment webpage is generated by the payment gateway, and is embedded or transferred. Displayed on the webpage related to the merchant's payment information, the payment gateway sends the obtained authorization information together with merchant information and consumption information to the account issuer of the virtual card through the payment transfer network, and the account issuer of the virtual card verifies the authorization information and Consumption information, complete the transaction and forward the transaction result to the payment transfer network if the verification is successful.

Preferably, the step of issuing a virtual card includes the following sub-steps:

Set the mobile terminal as the carrier of the virtual card through the APP installed on the mobile terminal and provide additional attribute information to the account issuer of the virtual card, wherein the additional attribute information includes hardware information and/or user information of the mobile terminal, so The hardware information includes one or more of the main board serial number, SIM card serial number, OS identification code, and WIFIMAC address of the mobile terminal;

The account issuer opens a virtual account according to the additional attribute information provided, wherein the virtual account is associated with an existing physical card or is a newly opened account, and the account status is pending activation;

The account issuer provides the user with an account identification code, and returns the identification code to the APP.

Preferably, the step of activating the virtual card includes the following sub-steps:

The user sends an activation request including the account identification code, additional attribute information and private data to the account issuer through the APP to request account activation, wherein the hardware information includes the serial number of the motherboard of the mobile terminal, the serial number of the SIM card, the OS identification code, WIFIMAC One or more of the addresses, and the private data refers to one of personal passwords, answers to preset questions, and biometric data;

The account issuer verifies the received account identification code and additional attribute information, and if the verification is correct, the account issuer saves the private data and sends an activation code to the mobile terminal via SMS;

Enter the activation code on the APP and set the attribute information of the virtual card;

The APP sends an activation request containing the activation code and attribute information to the account issuer;

The account issuer verifies whether it is correct. If the verification fails, the account activation will be rejected. If the verification is successful, the account status will be marked as activated. At the same time, the APP will be notified of the successful activation, and the card information of the virtual card will be issued to the APP. Among them, the Card information includes account use key, account key valid time range or length, and virtual card number.

Preferably, the issuer of the virtual card is a card-issuing bank or a card organization. If the virtual card is associated with the physical card, the virtual card number and the physical card number are in a mutual mapping relationship and the mapping relationship is stored in the virtual card issuer institution. If The virtual card has no connection with the physical card, and the virtual card issuer applies for a fund account to the issuing bank or card organization for the user.

The payment system based on the virtual card of the present invention is characterized in that it includes:

The mobile terminal is installed with an APP, which is used to set the mobile terminal as the carrier of the virtual card and provide the additional attribute information of the mobile terminal to the account issuer of the following virtual card, and is also used to transfer the information contained in the virtual card from the following The activation request of the following account identification code and additional attribute information sent by the account issuer of the account is sent to the account issuer to request activation of the account. When the activation code is received from the account issuer described below, it is used to enter the activation code, and will The activation request containing the activation code is sent to the account issuer of the virtual card, and is also used to calculate the authorization information of the virtual card and display it on the mobile terminal;

The account issuer of the virtual card is used to open a virtual card account based on the additional attribute information provided from the above APP and return the account identification code to the above APP, and also to verify the account identification code and additional attribute information returned from the above APP , in the case of passing the verification, send the activation code to the above-mentioned APP, verify the activation code returned from the above-mentioned APP, complete the activation of the virtual card after passing the verification of the activation code and send the card information of the virtual card to the above-mentioned APP;

The acquirer is used to obtain the authorization information and virtual card information of the virtual card, and based on the obtained virtual card information, merchant information and consumer information, organize the transaction request message to be sent to the following payment transfer network, and receive information from the above payment transfer network. The transaction results connected to the network;

The payment transfer network is used to send the payment request to the account issuer according to the transaction request message from the above-mentioned acquirer, and is also used to receive the transaction result from the account issuer and forward it to the acquirer.

Preferably, the mobile terminal calculates the authorization information according to one or more of the account usage key, account key valid time range or length, transaction type, transaction information, hardware information, and private data.

The payment method based on the virtual card of the present invention is characterized in that it comprises the following steps:

The virtual card issuing step is to set the mobile terminal as the carrier of the virtual card through the APP installed on the mobile terminal and provide the additional attribute information to the account issuer of the virtual card. The account issuer opens a virtual account according to the additional attribute information provided and sends the The APP returns the account identification code;

In the virtual card activation step, the user sends an activation request including the account identification code and additional attribute information to the account issuer through the APP to request activation of the account. After the account is verified by the account issuer, the activation code is sent to the mobile terminal. The APP sends the activation request containing the activation code to the account issuer, and after the account issuer verifies the activation code, the activation of the virtual card is completed and the card information of the virtual card is sent to the APP;

In the virtual card payment step, the APP calculates the authorization information of the virtual card and displays it on the mobile terminal. The POS terminal reads the above authorization information and sends the above authorization information together with the merchant information and consumption information to the acquirer and sends it through the payment transfer network To the account issuer of the virtual card, the account issuer of the virtual card verifies the authorization information and consumption information, and if the verification is successful, the account issuer of the virtual card completes the transaction and hands over the transaction result to the payment transfer network for processing and then forwards it to the recipient. single agency.

Preferably, the step of issuing a virtual card includes the following sub-steps:

Set the mobile terminal as the carrier of the virtual card through the APP installed on the mobile terminal and provide additional attribute information to the account issuer of the virtual card, wherein the additional attribute information includes hardware information and/or user information of the mobile terminal, so The hardware information includes one or more of the main board serial number, SIM card serial number, OS identification code, and WIFIMAC address of the mobile terminal;

The account issuer opens a virtual account based on the provided hardware information and user information, where the virtual account is associated with an existing physical card or is a newly opened account, and the account status is pending activation;

The account issuer provides the user with an account identification code, and returns the identification code to the APP.

Preferably, the step of activating the virtual card includes the following sub-steps:

The user requests to activate the account by sending an activation request including the account identification code, hardware information of the mobile terminal, and private data to the account issuer through the APP. The private data refers to personal passwords, answers to preset questions, and biometric data. A sort of;

The account issuer verifies the received account identification code and hardware information, and if the verification is correct, the account issuer saves the private data and sends an activation code to the mobile terminal via SMS;

Enter the activation code on the APP;

The APP sends an activation request containing the activation code and attribute information to the account issuer;

The account issuer verifies whether it is correct. If the verification fails, the account activation will be rejected. If the verification is successful, the account status will be marked as activated. At the same time, the APP will be notified of the successful activation, and the card information of the virtual card will be issued to the APP. Among them, the Card information includes account use key, account key valid time range or length, and virtual card number.

Preferably, the virtual card payment step includes the following sub-steps:

The APP checks the validity period of the virtual card, and if it is invalid, it directly rejects it, otherwise the APP calculates the authorization information of the virtual card;

The APP displays the calculated authorization information on the mobile terminal in the form of a QR code;

The POS terminal scans the QR code to read the authorization information and sends the above authorization information together with the merchant information and consumption information to the acquirer;

The acquirer sends the above authorization information, merchant information and consumption information to the account issuer of the virtual card through the payment transfer network;

The account issuer of the virtual card verifies the virtual card information and consumption information, completes the payment if the verification is successful, and notifies the acquirer of the payment result, and the acquirer forwards it to the POS terminal.

Preferably, the virtual card payment step includes the following sub-steps:

The APP checks the validity period of the virtual card, and if it is invalid, it directly rejects it, otherwise the APP calculates the authorization information of the virtual card;

The mobile terminal uses the NFC function to read the authorization information and send the above authorization information together with the merchant information and consumption information to the acquirer;

The acquirer sends the above authorization information, merchant information and consumption information to the account issuer of the virtual card through the payment transfer network;

The account issuer of the virtual card verifies the virtual card information and consumption information, completes the payment if the verification is successful, and notifies the acquirer of the payment result, and the acquirer forwards it to the POS terminal.

Preferably, the issuer of the virtual card is a card-issuing bank or a card organization. If the virtual card is associated with the physical card, the virtual card number and the physical card number are in a mutual mapping relationship and the mapping relationship is stored in the virtual card issuer institution. If The virtual card has no connection with the physical card, and the virtual card issuer applies for a fund account to the issuing bank or card organization for the user.

The payment system based on the virtual card of the present invention is characterized in that it includes:

The mobile terminal is installed with an APP, which is used to set the mobile terminal as the carrier of the virtual card and provide additional attribute information to the account issuer of the following virtual card, and is also used to issue the account containing the virtual card from the following The activation request of the following account identification code and additional attribute information sent by the party is sent to the account issuer to request activation of the account. When the activation code is received from the following account issuer, it is used to enter the activation code and will contain the activation code. The activation request is sent to the account issuer of the virtual card, which is also used to calculate the authorization information of the virtual card and display it on the mobile terminal;

The account issuer of the virtual card is used to open a virtual card account based on the additional attribute information provided from the above APP and return the account identification code to the above APP, and also to verify the account identification code and additional attribute information returned from the above APP , in the case of passing the verification, send the activation code to the above-mentioned APP, verify the activation code returned from the above-mentioned APP, complete the activation of the virtual card after passing the verification of the activation code and send the card information of the virtual card to the above-mentioned APP;

The POS terminal is used to obtain the authorization information of the virtual card and the virtual card information, and based on the obtained virtual card information, merchant information and consumption information, send the transaction request message to the following acquirer;

The acquirer is used to send the transaction request message obtained from the above-mentioned POS terminal to the following payment transfer network, and feed back the transaction result from the following payment transfer network to the POS terminal;

The payment transfer network is used to send the payment request to the account issuer of the virtual card according to the transaction request message from the acquirer, and forward the transaction result from the account issuer of the virtual card to the acquirer.

Preferably, the mobile terminal calculates the authorization information according to one or more of the account usage key, account key valid time range or length, transaction type, transaction information, hardware information, and private data.

According to the present invention, a virtual card can be used instead of a physical card, and the virtual card can not only be associated with a physical card, but also a pure virtual card. Settings to set the consumption amount and consumption type. In this way, the security of the funds in the user account can be improved. Moreover, in the present invention, by binding the virtual card with the hardware information of the mobile terminal, the security of the virtual card can be further improved. When using a virtual card for transfer payment, it is necessary to calculate the authorization information based on TK, EXPD, transaction type, transaction information, mobile terminal hardware information, and personal private data in advance, and the account issuer of the virtual card can verify the authorization information before the transaction can be carried out , thereby effectively improving the security of payment based on the virtual card.

Description of drawings

Fig. 1 is the conceptual framework of the virtual card-based payment system and payment method of the present invention.

Fig. 2 is a sequence diagram showing the payment method based on the virtual card of the present invention.

detailed description

Introduced below are some of the various embodiments of the invention, intended to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of protection.

First, some conceptual frameworks and some terminology of the present invention are explained.

Fig. 1 is the conceptual framework of the virtual card-based payment system and payment method of the present invention.

As shown in Fig. 1, the present invention includes a physical layer, an application layer and a device layer.

The entity layer includes: multiple account issuers, online acquiring service agencies, and offline acquiring service agencies.

The account issuer refers to the legal institution, such as a bank, that issues the virtual card for the user.

An online acquiring service institution refers to an institution that provides Internet payment services to users.

An offline acquiring service organization is an organization that provides users with offline POS payment services.

The application layer includes: self-service equipment, natural person (human), network (internet), physical store.

Self-service equipment refers to equipment that provides self-service for users, such as ATM withdrawals, ATM transfers, etc. This device is usually deployed by the account issuer, and can also be deployed by an offline acquiring service agency.

A natural person refers to a natural person who owns an account.

Internet refers to entities that provide services or content to users via the Internet.

A physical store refers to an entity that has a fixed location offline and provides services or content to users.

The device layer includes mobile phones (or terminals), payment gateways, and POS terminals.

Accepting mobile phones refer to mobile smart devices that accept virtual cards.

A payment gateway (also known as a payment gateway network) refers to an infrastructure for accepting virtual cards, provided by account issuers or online acquiring services.

POS terminal refers to a basic device for accepting virtual cards, which is provided by account issuers or offline acquiring service agencies.

Some technical terms mentioned in the present invention are explained below.

Account: specifically refers to the virtual card account opened by the account issuer for the user.

Account attribute: the attribute set by the account issuer for the account, such as the account holder's name, gender, ID number, mobile phone number, address, email, etc., and the account attribute also includes the status attribute of the account.

Online: specifically refers to the continuous data link between the user's mobile phone and the account issuer's system, such as 3G network/WIFI, etc.

Offline: specifically refers to the fact that there is no data link between the user's mobile phone and the account issuer's system, and data exchange cannot be performed.

APP: the application software installed on the mobile terminal, and the description below also includes its back-end application service system.

(Personal) private data: There are several methods for setting private data: one is password, the other is "question-answer", and the other is setting such as fingerprint, iris, voice, etc. For example, setting personal privacy data: if it is a password type, it is to set a new password. If it is a "question-answer" type, set the content of the question and the corresponding answer. and also

Enter personal private data: if it is a password type, enter the password, and if it is a "question-answer" type, enter the answer corresponding to the question.

first embodiment

Next, the payment method based on the virtual card according to the first embodiment of the present invention will be specifically described.

Fig. 2 is a sequence diagram showing a payment method by a virtual card according to the first embodiment of the present invention.

As shown in FIG. 2 , the virtual card-based payment method of the first embodiment of the present invention includes: a virtual card issuing step, a virtual card activation step, and a virtual card payment step (mobile terminal acceptance mode).

Next, these specific steps will be described.

1. Virtual card issuance steps

1) The user installs the APP licensed by the account issuer. The APP provides the account issuer with the APP software used to manage the virtual card for the user. The APP may be the account issuer's APP or a third-party APP authorized by it.

2) The user sets the access password of the APP.

3) The user applies for a virtual card account through the application function in the APP, and agrees to the relevant statement of the account issuer (through other channels such as outlets, the reason is the same)

4) The user provides the materials required by the account issuer. At the same time, the account issuer collects and saves the hardware information of the user's mobile terminal through the APP. The hardware information may include, but is not limited to, the hardware motherboard serial number, SIM card serial number, OS identification code and additional attributes etc., while informing the user that the mobile terminal will serve as the carrier of the virtual card.

5) The account issuer opens a virtual card account for the user. This account can be associated with the user's existing physical card, or it can be a newly opened account, and the account status is set to be activated. In the present invention, the virtual card can be associated with the physical card, or a pure virtual card. If it is associated with the physical card, it can be a subset of the physical card (what kind of subset can be determined according to the following "4)" in "2. Virtual Card Activation Steps" above for specific settings), it may not be completely equivalent to a physical card.

In the present invention, the issuer of the virtual card may be the issuing bank or the card organization. If the virtual card is associated with the physical card, the virtual card number and the physical card number do not have any direct relationship, and the two are only a mutual mapping relationship, and the mapping relationship is stored in the virtual card issuer. The encoding rules of the virtual card number are completely consistent with those of the physical card, and comply with the requirements and standards of national financial institutions and relevant international institutions. If the virtual card does not correspond to the physical card, the virtual card issuer can apply for a legal fund account from an account issuing institution with account issuing qualifications for the user.

6) The account issuer provides the user with an account identification code for the user to activate his own virtual card on the mobile APP.

2. Virtual card activation steps

1) The user selects the activation virtual card function provided in the APP.

2) The user specifies the account issuer and enters the account identification code, and the APP sends the account activation request to the corresponding account issuer. Wherein, the uploaded information includes the hardware information of the mobile terminal, and the hardware information here may include but not limited to the serial number of the hardware motherboard, the serial number of the SIM card, the OS identification code, and additional attributes.

The uploaded information may also include personal private data that the account issuer requires the user to set. If it is a password type, the user can use the APP access password as personal private data, or set a new password.

3) The account issuer verifies the hardware information and account identification code sent to the mobile terminal. If it is correct, the personal private data will be saved, and the activation code will be sent through the mobile terminal text message. The background system will maintain the account status of the virtual card unchanged.

4) The user enters the activation code provided by the account issuer on the APP, and sets the relevant attributes of the virtual card.

For example, you can set the available amount: XXXXXX.00 yuan;

Electronic cash: XXXX.00 yuan;

Alias: YYY;

Allow POS consumption: use up to [N] times;

Online consumption is allowed.

Note: If the account corresponds to the physical card, the attribute of "Available Limit" will appear.

5) The APP sends an activation request including the above activation code and the relevant attributes of the virtual card.

6) The account issuer verifies the activation code, if it fails, it rejects the account activation; if it succeeds, it sets the account status as activated, and notifies the APP that the account activation is successful. Send the following data at the same time:

Account usage key (also denoted as TK);

Valid time range or length of the account key (hereinafter referred to as EXPD)

Virtual card number (optional).

Virtual card balance and consumption:

Users can recharge the virtual card account through other bank card accounts, financial accounts or cash, etc. If the virtual card account itself is associated with the physical card account, the account issuer can provide multiple ways to allow the user to transfer funds in the corresponding account Transferring to the virtual card account, part of the available balance of the corresponding account (including the real balance and the credit limit of the account itself) can also be used as the available credit limit of the virtual card.

When the virtual card is consumed, if the balance is a real balance, the account balance will be deducted directly; if it is a credit limit, the credit limit will be deducted, and the account balance will be deducted from the corresponding physical account at the same time.

three. Virtual Card Payment Steps (Mobile Terminal Acceptance Mode)

Taking money transfer as an example, the two parties negotiate to transfer money, the transfer-out party acts as the consumer of the virtual card, and the transfer-in party acts as the accepting party.

1) The consumer selects the virtual card in the APP, and the APP does not need to be online at this time. At the same time, select the transfer transaction.

2) The APP checks the validity period of the virtual card, and if it is invalid, it directly rejects it, otherwise, it calculates the authorization information of this transaction (denoted as INFO_AUTH) according to the algorithm agreed by the account issuer.

INFO_AUTH=f (TK, EXPD, transaction type, transaction information, mobile terminal hardware information, personal private data)

Transaction type includes: transaction channel = mobile terminal, transaction type = transfer and other information;

Transaction information includes: transaction amount, transaction time, transaction date and other information

If personal private data needs to be input by the user, the APP should prompt the user to enter the data.

If the card number is not downloaded when the virtual card is activated, the APP will dynamically generate the virtual card number according to the algorithm agreed with the account issuer.

3) The accepting party reminds the consumer to bring the mobile terminal close to the accepting party's mobile terminal, and the accepting party's mobile terminal reads the virtual card information in the consumer's mobile terminal through NFC or QR code, including virtual card number, validity period, INFO_AUTH, transaction type, transaction Amount and other information.

4) The accepting party sends the read information together with the information required for its own transaction (such as the account of the transferee) to the issuer of the account of the consumer through the payment transfer network, and the issuer of the account of the consumer verifies whether the transaction is allowed After checking the range, whether the transaction amount meets the agreed conditions, whether the transaction channel meets the conditions, and whether INFO_AUTH is correct, approve or reject the transaction and return a response message.

5) The payment transfer network will do necessary processing according to the transaction result given by the consumer account issuer. If the transaction is approved, it will notify the provider of the transferee account to enter the account, and then notify the accepting party APP of the transaction result.

6) The consumer's account issuer notifies the consumer's APP of the transaction result.

Next, the virtual card-based payment system according to the first embodiment will be described.

The virtual card-based payment system of the first embodiment includes:

The consumer's mobile terminal is installed with an APP, which is used to set the mobile terminal as the carrier of the virtual card and provide the hardware information and user information of the mobile terminal to the account issuer of the following virtual card, and is also used to transfer the information contained in the virtual card from the following The activation request of the following account identification code and the hardware information of the mobile terminal sent by the account issuer of the above-mentioned virtual card is sent to the account issuer to request activation of the account. After receiving the activation code from the following account issuer, it is used to input the Activate the code and set the attribute information of the virtual card, and send the activation request containing the activation code and attribute information to the account issuer of the virtual card, and also use it to calculate the authorization information of the virtual card of the consumer;

The account issuer of the virtual card is used to open a virtual card account based on the hardware information and user information provided by the above APP and return the account identification code to the above APP, and also to verify the account identification code and hardware information returned from the APP , in the case of passing the verification, send the activation code to the APP of the consumer, verify the activation code returned from the APP of the above consumer, complete the activation of the virtual card after passing the verification of the activation code and download the card information of the virtual card Send to the APP of the above-mentioned consumer, and complete the transaction when the account issuer of the virtual card successfully verifies the authorization information;

The accepting party's mobile terminal is used to obtain the authorization information and virtual card information of the consumer's virtual card, and send the acquired virtual card information and consumption information together with the accepting party's account information to the following payment transfer network;

The payment transfer network is used to send the virtual card information, consumption information, and account information of the accepting party from the mobile terminal of the accepting party to the account issuer of the consumer, and notify the accepting party of the transaction result when the transaction is completed mobile terminal.

Preferably, the consumer's mobile terminal is used to calculate the authorization information according to one or more of the account use key, account key valid time range or length, transaction type, transaction information, hardware information, and private data.

In the present invention, the virtual card can not only be associated with a physical card, but also a pure virtual card. If it is associated with a physical card, its consumption amount, consumption amount, etc. can be set by setting the relevant attributes of the virtual card. Types of. Through such a setting, the user can control the amount of consumption and the type of consumption. On the other hand, the security of the user account is improved.

As mentioned above, in the present invention, by binding the virtual card with the hardware information of the mobile terminal, the security of the virtual card can be improved. This is because the virtual card has been bound with the hardware information of a specific mobile terminal. When using a virtual card for transfer payment, the APP needs to first base on TK, EXPD, transaction type, transaction information, mobile terminal hardware information, and personal private data. Only after calculating the authorization information and verifying the authorization information by the account issuer of the virtual card can the transaction be carried out, assuming that the criminal has stolen the virtual card number, but he has no way to know the hardware information of the mobile terminal, so subsequent transactions cannot be carried out. Calculation and verification of authorization information, etc., so that the transaction cannot be completed, so criminals cannot steal the funds on the virtual card account, thereby effectively improving the security of payment based on the virtual card.

second embodiment

Next, the payment method based on the virtual card according to the second embodiment of the present invention will be specifically described.

Compared with the payment method based on the virtual card of the first embodiment, the payment method based on the virtual card of the second embodiment is the same as the virtual card issuing step and the virtual card activation step, and the difference lies in the virtual card payment step (internet mode), Therefore, the description of the virtual card issuing step and the virtual card activation step is omitted here, and only the virtual card payment step is described.

Next, the virtual card payment procedure of the second embodiment will be described.

The virtual card payment step of the second embodiment includes the following sub-steps:

1) Users use PC/PAD and other devices to log in to the website to browse merchant information and generate orders.

2) The user selects the virtual card payment method provided by the online acquiring service provider.

3) The payment page of the online acquiring service provider prompts the user to enter the virtual card number, validity period and authentication information.

4) The user opens the mobile terminal APP, selects a virtual card and selects the online payment function.

5) The APP checks the validity period of the virtual card, and if it is invalid, it will directly reject it; otherwise, it will calculate the authorization information of this transaction (denoted as INFO_AUTH) according to the algorithm agreed by the account issuer,

Among them, INFO_AUTH=f (TK, EXPD, transaction type, transaction information, mobile terminal hardware information, personal private data),

Transaction type includes information such as transaction channel = Internet, transaction type = online payment, etc.

Transaction information includes information such as transaction amount, transaction time, transaction date, etc.

If the personal private data needs to be input by the user, the APP should prompt the user to enter the data. If the card number is not downloaded when the virtual card is activated, the APP will dynamically generate the virtual card number according to the algorithm agreed with the account provider.

6) The APP displays the above information on the screen of the mobile terminal, and the user enters the virtual card number, validity period and authentication information to the online payment page according to the displayed information.

7) If the payment gateway supports collecting information through QR codes, the APP can also generate QR codes for the above information, which can be scanned by the device on the PC/PAD to obtain the above information.

8) After the payment page of the online acquiring service agency receives the above information, it organizes a transaction request message together with the above information and its own merchant information (such as institution number, merchant number, etc.), and sends it to the virtual network through the payment transfer network. The account provider of the card, after verifying whether the transaction is within the allowed range, whether the transaction amount meets the agreed conditions, whether the transaction channel meets the conditions and whether INFO_AUTH is correct, the account provider approves or rejects the transaction and returns a response message.

9) The payment transfer network performs necessary processing according to the transaction result given by the consumer account provider, and then notifies the online acquiring service agency of the transaction result, and the online acquiring service agency generates a payment result page to prompt the user for the payment result.

10) The virtual card account provider can optionally notify the consumer's APP of the transaction result.

Next, a brief description will be given of a payment system based on a virtual card according to a second embodiment of the present invention.

The virtual card-based payment system according to the second embodiment of the present invention includes:

The mobile terminal is installed with an APP, which is used to set the mobile terminal as the carrier of the virtual card and provide the hardware information and user information of the mobile terminal to the account issuer of the virtual card described below, and is also used to transfer the information contained in the virtual card from the following The activation request of the following account identification code and mobile terminal hardware information sent by the account issuer of the virtual card is sent to the account issuer to request activation of the account. After receiving the activation code from the following account issuer, it is used to enter the activation Code and set the attribute information of the virtual card, and send the activation request including the activation code and attribute information to the account issuer of the virtual card, and also calculate the authorization information of the virtual card and display it on the mobile terminal;

The account issuer of the virtual card is used to open a virtual card account based on the hardware information and user information provided by the above APP and return the account identification code to the above APP, and also to verify the account identification code and hardware returned from the above APP information, send the activation code to the above-mentioned APP in the case of passing the verification, verify the activation code returned from the above-mentioned APP, complete the activation of the virtual card after passing the verification of the activation code and send the card information of the virtual card to the above-mentioned APP ;

The acquirer is used to obtain the authorization information and virtual card information of the virtual card, and based on the obtained virtual card information, merchant information and consumer information, organize the transaction request message to be sent to the following payment transfer network, and receive information from the above payment transfer network. The transaction results connected to the network;

The payment transfer network is used to send the payment request to the account issuer according to the transaction request message from the above-mentioned acquirer, and is also used to receive the transaction result from the account issuer and forward it to the acquirer.

Preferably, the mobile terminal calculates the authorization information according to one or more of the account usage key, account key valid time range or length, transaction type, transaction information, hardware information, and private data.

In the second embodiment, similar to the first embodiment, when using a virtual card to pay on the network, it is necessary to calculate authorization information based on TK, EXPD, transaction type, transaction information, mobile terminal hardware information, and personal private data. The account issuer of the virtual card can only conduct transactions after verifying the authorization information. Therefore, the security of payment based on the virtual card can be effectively improved.

third embodiment

Next, the payment method based on the virtual card according to the third embodiment of the present invention will be specifically described.

Compared with the virtual card-based payment method of the first embodiment, the virtual card-based payment method of the third embodiment has the same virtual card issuance step and virtual card activation step, and the difference lies in the virtual card payment step (POS mode), Therefore, the description of the virtual card issuing step and the virtual card activation step is omitted here, and only the virtual card payment step is described.

Next, the virtual card payment procedure of the third embodiment will be described.

The virtual card payment step of the third embodiment includes the following sub-steps:

1) After the user finishes shopping in the offline store, he opens the mobile terminal APP at the POS cash register, selects a virtual card and selects the offline consumption function.

2) The APP checks the validity period of the virtual card, and if it is invalid, it will directly reject it; otherwise, it will calculate the authorization information of this transaction (denoted as INFO_AUTH) according to the algorithm agreed by the account issuer,

Among them, INFO_AUTH=f (TK, EXPD, transaction type, transaction information, mobile terminal hardware information, personal private data),

Transaction type includes information such as transaction channel = Internet, transaction type = online payment, etc.

Transaction information includes information such as transaction amount, transaction time, transaction date, etc.

If the personal private data needs to be input by the user, the APP should prompt the user to enter the data. If the card number is not downloaded when the virtual card is activated, the APP will dynamically generate the virtual card number according to the algorithm agreed with the account provider.

3) The APP will be encoded according to the above information, and displayed on the mobile terminal APP in the form of a QR code image, and the POS will read the virtual card information through the barcode reader.

4) If the mobile terminal supports NFC, the user needs to put the mobile terminal close to the NFC reader of the POS, and the POS reads the virtual card information through NFC.

5) After the POS acquires the virtual card information, the above information and its own information (such as institution number, merchant number, etc.) are organized together and the transaction request message is sent to the background of the offline acquiring service agency, and sent through the payment transfer network To the account provider of the virtual card, the account provider verifies whether the transaction is within the allowed range, whether the transaction amount meets the agreed conditions, whether the transaction channel meets the conditions, and whether INFO_AUTH is correct, approve or reject the transaction, and return a response message.

8) The payment transfer network performs necessary processing according to the transaction result given by the consumer account provider, and then notifies the offline acquiring service agency of the transaction result, and the offline acquiring service agency sends the transaction result to the POS, and the POS according to the transaction result Notify the cardholder of the transaction result.

9) The virtual card account provider can optionally notify the consumer's APP of the transaction result.

Next, a payment system based on a virtual card according to a third embodiment of the present invention will be described. The payment system based on the virtual card according to the third embodiment of the present invention includes:

The mobile terminal is installed with an APP, which is used to set the mobile terminal as the carrier of the virtual card and provide the hardware information and user information of the mobile terminal to the account issuer of the virtual card described below, and is also used to transfer the information contained in the virtual card from the following The activation request of the following account identification code and mobile terminal hardware information sent by the account issuer of the virtual card is sent to the account issuer to request activation of the account. After receiving the activation code from the following account issuer, it is used to enter the activation Code and set the attribute information of the virtual card, and send the activation request including the activation code and attribute information to the account issuer of the virtual card, and also calculate the authorization information of the virtual card and display it on the mobile terminal;

The account issuer of the virtual card is used to open a virtual card account based on the hardware information and user information provided by the above APP and return the account identification code to the above APP, and also to verify the account identification code and hardware returned from the above APP information, send the activation code to the above-mentioned APP in the case of passing the verification, verify the activation code returned from the above-mentioned APP, complete the activation of the virtual card after passing the verification of the activation code and send the card information of the virtual card to the above-mentioned APP ;

The POS terminal is used to obtain the authorization information of the virtual card and the virtual card information, and based on the obtained virtual card information, merchant information and consumption information, send the transaction request message to the following acquirer;

The acquirer is used to send the transaction request message obtained from the above-mentioned POS terminal to the following payment transfer network, and feed back the transaction result from the following payment transfer network to the POS terminal;

The payment transfer network is used to send the payment request to the account issuer of the virtual card according to the transaction request message from the acquirer, and forward the transaction result from the account issuer of the virtual card to the acquirer.

Preferably, the mobile terminal calculates the authorization information according to one or more of the account usage key, account key valid time range or length, transaction type, transaction information, hardware information, and private data.

In the third embodiment, similar to the first embodiment, when using a virtual card to pay on the network, it is necessary to calculate authorization information based on TK, EXPD, transaction type, transaction information, mobile terminal hardware information, and personal private data. The account issuer of the virtual card can only conduct transactions after verifying the authorization information. Therefore, the security of payment based on the virtual card can be effectively improved.

To sum up, in the present invention, the virtualization and degravity of the physical card are realized, and the virtual card can be used to replace the physical card. Moreover, the virtual card can not only be associated with the physical card, but also a pure virtual card. If the card is associated with a physical card, you can set its consumption limit and consumption type by setting the relevant attributes of the virtual card. In this way, the security of the funds in the user account can be improved.

Moreover, in the present invention, the virtual card-based payment method and payment system can be applied to rich application scenarios, for example, mobile terminal mode, internet mode, and POS mode.

Moreover, in the present invention, by binding the virtual card with the hardware information of the mobile terminal, the security of the virtual card can be further improved. When using a virtual card for transfer payment, it is necessary to calculate the authorization information based on TK, EXPD, transaction type, transaction information, mobile terminal hardware information, and personal private data in advance, and the account issuer of the virtual card can verify the authorization information before the transaction can be carried out , thereby effectively improving the security of payment based on the virtual card.

The above examples mainly illustrate the virtual card-based payment method and payment system of the present invention. Although only some specific embodiments of the present invention have been described, those skilled in the art should understand that the present invention can be implemented in many other forms without departing from the spirit and scope thereof. The examples and embodiments shown are therefore to be regarded as illustrative and not restrictive, and the invention may cover various modifications without departing from the spirit and scope of the invention as defined in the appended claims with replace.

Claims (21)

1. A payment method based on a virtual card, characterized in that, comprising the following steps: The virtual card issuing step is to set the mobile terminal as the carrier of the virtual card through the APP installed on the mobile terminal and provide the additional attribute information to the account issuer of the virtual card. The account issuer opens a virtual account according to the additional attribute information and sends the The APP returns the account identification code; In the virtual card activation step, the user sends an activation request including the account identification code and additional attribute information to the account issuer through the APP to request activation of the account. After passing the verification of the account issuer, the activation code is sent to the mobile terminal, and the user passes the APP. Send the activation request containing the activation code to the account issuer, complete the activation of the virtual card after the account issuer verifies the activation code and send the card information of the virtual card to the APP; In the virtual card payment step, the APP calculates the authorization information of the virtual card of the consumer, and the mobile terminal of the accepting party obtains the authorization information and consumption information of the virtual card of the consumer, and the authorization information and consumption information of the virtual card that the accepting party will obtain are shared with the accepting party. The account information is sent to the consumer's account issuer through the transfer network. The account issuer verifies the authorization information and consumption information of the virtual card, completes the transaction and submits the transaction result to the payment transfer network if the verification is successful. 2. The payment method based on virtual card as claimed in claim 1, characterized in that, The step of issuing virtual cards includes the following sub-steps: Set the mobile terminal as the carrier of the virtual card through the APP installed on the mobile terminal and provide additional attribute information to the account issuer of the virtual card, wherein the additional attribute information includes hardware information and/or user information of the mobile terminal, so The hardware information includes one or any combination of the motherboard serial number, SIM card serial number, WIFIMAC address, and OS identification code of the mobile terminal; The account issuer opens a virtual account according to the additional attribute information, wherein the virtual account is associated with an existing physical card or is a newly opened account, and the account status is pending activation; The account issuer provides the user with an account identification code, and returns the identification code to the APP. 3. The payment method based on virtual card as claimed in claim 2, characterized in that, The step of activating the virtual card includes the following sub-steps: The user requests to activate the account by sending an activation request including the account identification code, hardware information of the mobile terminal, and private data to the account issuer through the APP. The private data refers to personal passwords, answers to preset questions, and biometric data. one or any combination; The account issuer verifies the received account identification code and hardware information, and if the verification is correct, the account issuer saves the private data and sends an activation code to the mobile terminal via SMS; The user enters the activation code on the APP; The APP sends the activation request containing the activation code to the account issuer; The account issuer verifies whether it is correct. If the verification fails, the account activation will be rejected. If the verification is successful, the account status will be marked as activated. At the same time, the APP will be notified of the successful activation, and the card information of the virtual card will be issued to the APP. Among them, the Card information includes account use key, account key valid time range or length, and virtual card number. 4. The payment method based on virtual card as claimed in claim 3, characterized in that, The virtual card payment step includes the following sub-steps: The APP checks the validity period of the virtual card as the consumer, and if it is invalid, the transaction will be rejected, otherwise, the authorization information of this transaction will be calculated according to the agreed algorithm of the account issuer, where the authorization information includes: account use key, account key validity time One or more of range or length, transaction type, transaction information, hardware information, private data; The accepting party's mobile terminal obtains the virtual card information and authorization information of the consumer's virtual card through the NFC function, sound waves or QR codes, and the accepting party passes the obtained virtual card information, authorization information and consumption information together with the accepting party's account information. The transfer network sends to the account issuer of the consumer; The account issuer of the consumer verifies the virtual card information and consumption information. If the verification is successful, the account issuer of the consumer completes the transaction and forwards the transaction result to the payment transfer network. If the verification fails, the transaction is rejected. 5. The payment method based on a virtual card according to any one of claims 1 to 4, characterized in that: The issuer of the virtual card is the card issuing bank or card organization. If the virtual card is associated with the physical card, the card number of the virtual card and the card number of the physical card are in a mutual mapping relationship and the mapping relationship is saved in the virtual card issuer institution. If the virtual card If there is no physical card and no association, the virtual card issuer will apply for a fund account to the card issuing bank or card organization for the user. 6. A payment system based on a virtual card, characterized in that it comprises: The consumer's mobile terminal is installed with an APP, which is used to set the mobile terminal as the carrier of the virtual card and provide additional attribute information to the account issuer of the following virtual card, and is also used to transfer the account containing the virtual card from the following The activation request for the following account identification code and additional attribute information sent by the issuer is sent to the account issuer to request activation of the account. When the activation code is received from the following account issuer, it is used to enter the activation code and will include activation The activation request of the code is sent to the account issuer of the virtual card, and is also used to calculate the authorization information of the virtual card of the consumer; The account issuer of the virtual card is used to open a virtual card account based on the additional attribute information provided from the above APP and return the account identification code to the above APP, and is also used to verify the account identification code and additional attribute information returned from the APP, Send the activation code to the APP of the consumer in the case of passing the verification, verify the activation code returned from the APP of the above consumer, complete the activation of the virtual card after passing the verification of the activation code and send the card information of the virtual card Go to the APP of the above consumer, and complete the transaction when the account issuer of the virtual card successfully verifies the authorization information; The accepting party's mobile terminal is used to obtain the authorization information and virtual card information of the consumer's virtual card, and send the acquired virtual card information and consumption information together with the accepting party's account information to the following payment transfer network; The payment transfer network is used to send the virtual card information, consumption information, and account information of the accepting party from the mobile terminal of the accepting party to the account issuer of the consumer, and notify the accepting party of the transaction result when the transaction is completed mobile terminal. 7. The payment system based on virtual cards as claimed in claim 6, characterized in that, The consumer's mobile terminal is used to calculate authorization information according to one or more of the account usage key, account key valid time range or length, transaction type, transaction information, mobile terminal hardware information, and private data. 8. A payment method based on a virtual card, comprising the following steps: The virtual card issuing step is to set the mobile terminal as the carrier of the virtual card through the APP installed on the mobile terminal and provide the additional attribute information of the mobile terminal to the account issuer of the virtual card, and the account issuer opens a virtual account according to the provided additional attribute information And return the account identification code to the APP; In the virtual card activation step, the user sends an activation request including the account identification code and additional attribute information to the account issuer through the APP to request activation of the account. After passing the verification of the account issuer, the activation code is sent to the mobile terminal, and the user passes the APP. Send the activation request containing the activation code to the account issuer, complete the activation of the virtual card after the account issuer verifies the activation code and send the card information of the virtual card to the APP; In the virtual card payment step, the APP calculates the authorization information of the virtual card and displays it on the mobile terminal. The user enters the card information and authorization information of the virtual card into the payment webpage of the merchant, and the payment webpage is generated by the payment gateway, and is embedded or transferred. Displayed on the webpage related to the merchant's payment information, the payment gateway sends the obtained authorization information together with merchant information and consumption information to the account issuer of the virtual card through the payment transfer network, and the account issuer of the virtual card verifies the authorization information and Consumption information, complete the transaction and forward the transaction result to the payment transfer network if the verification is successful. 9. The payment method based on a virtual card as claimed in claim 8, characterized in that, The step of issuing virtual cards includes the following sub-steps: Set the mobile terminal as the carrier of the virtual card through the APP installed on the mobile terminal and provide additional attribute information to the account issuer of the virtual card, wherein the additional attribute information includes hardware information and/or user information of the mobile terminal, so The hardware information includes one or more of the main board serial number, SIM card serial number, OS identification code, and WIFIMAC address of the mobile terminal; The account issuer opens a virtual account according to the additional attribute information provided, wherein the virtual account is associated with an existing physical card or is a newly opened account, and the account status is pending activation; The account issuer provides the user with an account identification code, and returns the identification code to the APP. 10. The payment method based on a virtual card as claimed in claim 9, characterized in that, The step of activating the virtual card includes the following sub-steps: The user sends an activation request including the account identification code, additional attribute information and private data to the account issuer through the APP to request account activation, wherein the hardware information includes the serial number of the motherboard of the mobile terminal, the serial number of the SIM card, the OS identification code, WIFIMAC One or more of the addresses, and the private data refers to one of personal passwords, answers to preset questions, and biometric data; The account issuer verifies the received account identification code and additional attribute information, and if the verification is correct, the account issuer saves the private data and sends an activation code to the mobile terminal via SMS; Enter the activation code on the APP and set the attribute information of the virtual card; The APP sends an activation request containing the activation code and attribute information to the account issuer; The account issuer verifies whether it is correct. If the verification fails, the account activation is rejected. If the verification is successful, the account status is marked as activated, and the APP is notified of the successful activation, and the card information of the virtual card is issued to the APP. Card information includes account use key, account key valid time range or length, and virtual card number. 11. The payment method based on a virtual card according to any one of claims 8 to 10, characterized in that: The issuer of the virtual card is the card issuing bank or card organization. If the virtual card is associated with the physical card, the card number of the virtual card and the card number of the physical card are in a mutual mapping relationship and the mapping relationship is saved in the virtual card issuer institution. If the virtual card If there is no physical card and no association, the virtual card issuer will apply for a fund account to the card issuing bank or card organization for the user. 12. A payment system based on a virtual card, characterized in that it comprises: The mobile terminal is installed with an APP, which is used to set the mobile terminal as the carrier of the virtual card and provide the additional attribute information of the mobile terminal to the account issuer of the following virtual card, and is also used to transfer the information contained in the virtual card from the following The activation request of the following account identification code and additional attribute information sent by the account issuer of the account is sent to the account issuer to request activation of the account. When the activation code is received from the account issuer described below, it is used to enter the activation code, and will The activation request containing the activation code is sent to the account issuer of the virtual card, and is also used to calculate the authorization information of the virtual card and display it on the mobile terminal; The account issuer of the virtual card is used to open a virtual card account based on the additional attribute information provided from the above APP and return the account identification code to the above APP, and also to verify the account identification code and additional attribute information returned from the above APP , in the case of passing the verification, send the activation code to the above-mentioned APP, verify the activation code returned from the above-mentioned APP, complete the activation of the virtual card after passing the verification of the activation code and send the card information of the virtual card to the above-mentioned APP; The acquirer is used to obtain the authorization information and virtual card information of the virtual card, and based on the obtained virtual card information, merchant information and consumer information, organize the transaction request message to be sent to the following payment transfer network, and receive information from the above payment transfer network. The transaction results connected to the network; The payment transfer network is used to send the payment request to the account issuer according to the transaction request message from the above-mentioned acquirer, and is also used to receive the transaction result from the account issuer and forward it to the acquirer. 13. The virtual card-based payment system of claim 12, wherein: The mobile terminal calculates the authorization information according to one or more of the account usage key, the valid time range or length of the account key, transaction type, transaction information, hardware information, and private data. 14. A payment method based on a virtual card, comprising the following steps: The virtual card issuing step is to set the mobile terminal as the carrier of the virtual card through the APP installed on the mobile terminal and provide the additional attribute information to the account issuer of the virtual card. The account issuer opens a virtual account according to the additional attribute information provided and sends the The APP returns the account identification code; In the virtual card activation step, the user sends an activation request including the account identification code and additional attribute information to the account issuer through the APP to request activation of the account. After the account is verified by the account issuer, the activation code is sent to the mobile terminal. The APP sends the activation request containing the activation code to the account issuer, and after the account issuer verifies the activation code, the activation of the virtual card is completed and the card information of the virtual card is sent to the APP; In the virtual card payment step, the APP calculates the authorization information of the virtual card and displays it on the mobile terminal. The POS terminal reads the above authorization information and sends the above authorization information together with the merchant information and consumption information to the acquirer and sends it through the payment transfer network To the account issuer of the virtual card, the account issuer of the virtual card verifies the authorization information and consumption information, and if the verification is successful, the account issuer of the virtual card completes the transaction and hands over the transaction result to the payment transfer network for processing and then forwards it to the recipient. single agency. 15. The payment method based on a virtual card as claimed in claim 14, characterized in that, The step of issuing virtual cards includes the following sub-steps: Set the mobile terminal as the carrier of the virtual card through the APP installed on the mobile terminal and provide additional attribute information to the account issuer of the virtual card, wherein the additional attribute information includes hardware information and/or user information of the mobile terminal, so The hardware information includes one or more of the main board serial number, SIM card serial number, OS identification code, and WIFIMAC address of the mobile terminal; The account issuer opens a virtual account based on the provided hardware information and user information, where the virtual account is associated with an existing physical card or is a newly opened account, and the account status is pending activation; The account issuer provides the user with an account identification code, and returns the identification code to the APP. 16. The payment method based on a virtual card as claimed in claim 15, characterized in that, The step of activating the virtual card includes the following sub-steps: The user requests to activate the account by sending an activation request including the account identification code, hardware information of the mobile terminal, and private data to the account issuer through the APP. The private data refers to personal passwords, answers to preset questions, and biometric data. A sort of; The account issuer verifies the received account identification code and hardware information, and if the verification is correct, the account issuer saves the private data and sends an activation code to the mobile terminal via SMS; Enter the activation code on the APP; The APP sends an activation request containing the activation code and attribute information to the account issuer; The account issuer verifies whether it is correct. If the verification fails, the account activation will be rejected. If the verification is successful, the account status will be marked as activated. At the same time, the APP will be notified of the successful activation, and the card information of the virtual card will be issued to the APP. Among them, the Card information includes account use key, account key valid time range or length, and virtual card number. 17. The payment method based on a virtual card as claimed in claim 16, characterized in that, The virtual card payment step includes the following sub-steps: The APP checks the validity period of the virtual card, and if it is invalid, it directly rejects it, otherwise the APP calculates the authorization information of the virtual card; The APP displays the calculated authorization information on the mobile terminal in the form of a QR code; The POS terminal scans the QR code to read the authorization information and sends the above authorization information together with the merchant information and consumption information to the acquirer; The acquirer sends the above authorization information, merchant information and consumption information to the account issuer of the virtual card through the payment transfer network; The account issuer of the virtual card verifies the virtual card information and consumption information, completes the payment if the verification is successful, and notifies the acquirer of the payment result, and the acquirer forwards it to the POS terminal. 18. The payment method based on a virtual card as claimed in claim 17, characterized in that, The virtual card payment step includes the following sub-steps: The APP checks the validity period of the virtual card, and if it is invalid, it directly rejects it, otherwise the APP calculates the authorization information of the virtual card; The mobile terminal uses the NFC function to read the authorization information and send the above authorization information together with the merchant information and consumption information to the acquirer; The acquirer sends the above authorization information, merchant information and consumption information to the account issuer of the virtual card through the payment transfer network; The account issuer of the virtual card verifies the virtual card information and consumption information, completes the payment if the verification is successful, and notifies the acquirer of the payment result, and the acquirer forwards it to the POS terminal. 19. The payment method based on a virtual card according to any one of claims 14-18, characterized in that: The issuer of the virtual card is the card issuing bank or card organization. If the virtual card is associated with the physical card, the card number of the virtual card and the card number of the physical card are mutually mapped and the mapping relationship is saved in the virtual card issuer institution. If the virtual card If there is no physical card and no association, the virtual card issuer will apply for a fund account to the card issuing bank or card organization for the user. 20. A payment system based on a virtual card, comprising: The mobile terminal is installed with an APP, which is used to set the mobile terminal as the carrier of the virtual card and provide additional attribute information to the account issuer of the following virtual card, and is also used to issue the account containing the virtual card from the following The activation request of the following account identification code and additional attribute information sent by the party is sent to the account issuer to request activation of the account. When the activation code is received from the following account issuer, it is used to enter the activation code and will contain the activation code. The activation request is sent to the account issuer of the virtual card, which is also used to calculate the authorization information of the virtual card and display it on the mobile terminal; The account issuer of the virtual card is used to open a virtual card account based on the additional attribute information provided from the above APP and return the account identification code to the above APP, and also to verify the account identification code and additional attribute information returned from the above APP , in the case of passing the verification, send the activation code to the above-mentioned APP, verify the activation code returned from the above-mentioned APP, complete the activation of the virtual card after passing the verification of the activation code and send the card information of the virtual card to the above-mentioned APP; The POS terminal is used to obtain the authorization information of the virtual card and the virtual card information, and based on the obtained virtual card information, merchant information and consumption information, send the transaction request message to the following acquirer; The acquirer is used to send the transaction request message obtained from the above-mentioned POS terminal to the following payment transfer network, and feed back the transaction result from the following payment transfer network to the POS terminal; The payment transfer network is used to send the payment request to the account issuer of the virtual card according to the transaction request message from the acquirer, and forward the transaction result from the account issuer of the virtual card to the acquirer. 21. The virtual card based payment system of claim 20, wherein: The mobile terminal calculates the authorization information according to one or more of the account usage key, the valid time range or length of the account key, transaction type, transaction information, hardware information, and private data.