The invention relates to a virtual card data processing method. The method comprises the steps of receiving a virtual card application request sent by a first terminal, wherein the request comprises identity information of a to-be-applied user; carrying out interaction with a server according to the identity information of a to-be-applied user, and determining a corresponding registered user identity; generating a verification code according to the registered user identity and returning the verification code to the first terminal; receiving a storage identity and verification information sentby a second terminal, wherein the verification information is obtained by the second terminal according to the verification code on the first terminal; obtaining a virtual card identity correspondingto the identity information of the to-be-applied user; and generating corresponding virtual card data according to the storage identity, the registered user identity corresponding to the verificationinformation and the virtual card identity. According to the method, the simple method for generating the virtual card data is realized, the cost is reduced, the transaction is simple, and the problemthat the data is easy to lose is solved. The invention also relates to a virtual card data processing system and device, computer equipment and a memory medium.