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Method and device for materializing virtual card through mobile terminal equipment

A mobile terminal and virtual card technology, applied in the field of virtual card materialization, can solve problems such as increased cost and unguaranteed efficiency, and achieve the effects of convenient and safe use, cost reduction, and simplified card issuance process.

Active Publication Date: 2017-07-14
HKUST TIANGONG INTELLIGENT EQUIP TECH (TIANJIN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

On the other hand, for card issuers, as the number of cardholders increases, the cost brought by the card is also increasing; once the user's card is damaged or lost, it is necessary to make and issue a new card, etc. , the cost is further increased, and the efficiency cannot be guaranteed

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  • Method and device for materializing virtual card through mobile terminal equipment
  • Method and device for materializing virtual card through mobile terminal equipment

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Embodiment Construction

[0020] The following will clearly and completely describe the technical solutions in the embodiments of the application with reference to the drawings in the embodiments of the application. Apparently, the described embodiments are only some of the embodiments of the application, not all of them. All other embodiments obtained by persons of ordinary skill in the art based on the embodiments in this application belong to the protection scope of this application.

[0021] First of all, it needs to be explained that, in the embodiment of the present application, a virtual card information materialization technology is implemented based on CPU smart card (hereinafter referred to as CPU card) technology. Among them, the so-called CPU card technology is a new card technology that allows banks, bus companies and other companies to download and run the digital information, verification information and business processes of payment cards in the form of applications. The CPU card allows...

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Abstract

This application discloses a method and device for virtual card materialization through mobile terminal equipment, wherein the process of virtual card materialization is to write virtual card information into a preset smart CPU card, wherein the CPU The card is configured with a wireless communication module for communicating with the corresponding wireless communication module in the mobile terminal device, and the method includes: obtaining virtual card information from a card issuer server according to an operation request of a user; using the mobile terminal to The wireless communication module of the device establishes a communication connection with the wireless communication module of the CPU card; through the communication connection, the obtained virtual card information is sent to the wireless communication module of the CPU card, so that the received virtual card information is written into the core chip of the CPU card. Through the application, the card issuing process can be simplified and the cost of the card issuing institution can be reduced.

Description

technical field [0001] The present application relates to the technical field of CPU smart cards, in particular to a method and device for virtualizing virtual cards through mobile terminal equipment. Background technique [0002] With the development of economy and technology, people's demand for mobile payment services is also becoming stronger and stronger. The traditional offline payment method usually uses cash or bank card to pay by swiping a card. However, depending on the needs of different business scenarios, people often have multiple cards at the same time, such as bank cards of different banks, bus cards, etc., which are not easy to keep and cause confusion. Therefore, people need a faster and safer means of payment. On the other hand, for card issuers, as the number of cardholders increases, the cost brought by the card is also increasing; once the user's card is damaged or lost, it is necessary to make and issue a new card, etc. , the cost is further increas...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06K1/12
Inventor 王博
Owner HKUST TIANGONG INTELLIGENT EQUIP TECH (TIANJIN) CO LTD
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