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Virtual account management method and device

A virtual account and management method technology, applied in the field of information security, can solve problems such as inconvenient operation and user information leakage, and achieve the effect of reducing the risk of leakage and simplifying user operations

Pending Publication Date: 2020-09-22
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] At present, when using the online payment method, it is necessary to bind the bank cards opened in each bank in each payment institution that supports the online payment function, so that on the one hand, the user's bank card information (card number, mobile phone number) etc.) need to inform each payment institution that there is a risk of user information leakage; on the other hand, when the bound bank card needs to be replaced, it needs to be replaced for each payment institution, which is inconvenient to operate

Method used

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  • Virtual account management method and device

Examples

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Embodiment 1

[0036] The embodiment of the present application provides a virtual account management method, which will be described in detail below with reference to the accompanying drawings.

[0037] see figure 1 , which is a flow chart of a virtual account management method provided by the embodiment of the present application.

[0038] The method provided in the embodiment of the present application includes the following steps:

[0039] S101: Divide preset subsections in the number section of the bank card number, and distinguish bank cards and virtual payment account groups through the digital numbers in the preset subsections.

[0040] The bank card in the embodiment of this application is a real bank card, and the card number rule of the virtual payment account group conforms to the card number rule of the bank card of the bank to which it belongs.

[0041] see figure 2 , which is a schematic diagram of the bank card provided in the embodiment of this application.

[0042] Amo...

Embodiment 2

[0058] Based on the virtual account management method provided in the foregoing embodiments, Embodiment 2 of the present application further provides a virtual account management device, which will be described in detail below with reference to the accompanying drawings.

[0059] see image 3 , which is a schematic diagram of a virtual account management device provided by an embodiment of the present application.

[0060] The apparatus described in this embodiment of the present application includes: a dividing unit 301 , an associating unit 302 and a processing unit 303 .

[0061] Wherein, the dividing unit 301 is used for dividing preset subsections in the number section of the bank card number, and distinguishing bank cards and virtual payment account groups through the digital numbers in the preset subsections.

[0062] Wherein, the preset sub-section is a one-digit number segment or a two-digit number segment within the number segment of the card number.

[0063] The a...

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Abstract

The invention provides a virtual account management method and device, and relates to the technical field of information security. The method comprises the following steps: dividing a number segment of a bank card number into preset sub-segments, and distinguishing a bank card from a virtual payment account group through digital numbers in the preset sub-segments; associating at least one bank card of the user with the virtual account group; and when determining that the card number in the payment request is the card number of the virtual payment account group, performing payment operation byusing the at least one bank card associated with the virtual payment account group. By utilizing the method, the risk of user information leakage can be reduced, and the operation of replacing the bound bank card is simplified.

Description

technical field [0001] The present application relates to the technical field of information security, and in particular to a virtual account management method and device. Background technique [0002] Due to its fast, low-cost, and high-security features, online payment is increasingly popular in daily life. [0003] At present, when using the online payment method, it is necessary to bind the bank cards opened in each bank in each payment institution that supports the online payment function, so that on the one hand, the user's bank card information (card number, mobile phone number) etc.) need to inform each payment institution that there is a risk of user information leakage; on the other hand, when the bound bank card needs to be replaced, it needs to be replaced for each payment institution, which is inconvenient to operate. Contents of the invention [0004] In order to solve the above-mentioned technical problems in the prior art, the present application provides ...

Claims

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Application Information

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IPC IPC(8): G06Q20/34G06Q20/38
CPCG06Q20/351G06Q20/382
Inventor 刘继波
Owner BANK OF CHINA
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