公开(公告)号：WO2015135399A1

公开(公告)日：2015-09-17

申请号：PCT/CN2015/070928

申请日：2015-01-16

Applicant: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED

Inventor： LIU, Guoguo ,  WU, Yi ,  GONG, Chen ,  ZHANG, Wenjing ,  ZHANG, Jinming ,  TAN, Jinwen ,  GUO, Yixin ,  YE, Wa ,  HOU, Liang ,  XU, Zhenyu ,  ZHANG, Bin ,  CHEN, Wei ,  ZHENG, Haojian ,  JIANG, Yingyi ,  SONG, Lingyun ,  JIANG, Nan

IPC: G06Q20/24

CPC classification number: G06Q20/351 ,  G06Q20/02 ,  G06Q20/105 ,  G06Q20/24 ,  G06Q20/3221 ,  G06Q20/325 ,  G06Q20/409

Abstract: Device, system and method for creating virtual credit card are provided. The method includes: receiving real-name information from a user interface of a terminal device wherein an electronic exchange account associated with the real-name information is not stored in a first server; receiving the user real-name information by the second server, finding whether a credit card account associating with the user real-name information is stored, and when the credit card account is not stored, sending an indicator to the first server; receiving account information a resource saving account by the first server, creating an electronic exchange account by using the user real-name information and binding the electronic exchange account with the resource saving account; creating a virtual credit card account by using the real-name information; and storing the virtual credit card associated with the virtual credit card account in the data storage.

Abstract translation: 提供了创建虚拟信用卡的设备，系统和方法。 该方法包括：从终端设备的用户界面接收实名信息，其中与实名信息相关联的电子交换账户不被存储在第一服务器中; 通过第二服务器接收用户实名信息，确定是否存储与用户实名信息相关联的信用卡账户，当不存储该信用卡账户时，向第一服务器发送指示符; 通过第一服务器接收帐户信息资源节约帐户，通过使用用户实名信息创建电子交换账户，并将电子交换账户与资源节省账户绑定; 通过使用实名信息创建虚拟信用卡账户; 以及将与虚拟信用卡账户相关联的虚拟信用卡存储在数据存储器中。

公开(公告)号：WO2015135379A1

公开(公告)日：2015-09-17

申请号：PCT/CN2015/070167

申请日：2015-01-06

Applicant: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED

Inventor： LIU, Guoguo ,  WU, Yi ,  GONG, Chen ,  ZHANG, Wenjing ,  ZHANG, Jinming ,  TAN, Jinwen ,  GUO, Yixin ,  YE, Wa ,  HOU, Liang ,  XU, Zhenyu ,  ZHANG, Bin ,  CHEN, Wei ,  ZHENG, Haojian ,  JIANG, Yingyi ,  SONG, Lingyun ,  JIANG, Nan

IPC: H04L29/08

CPC classification number: G06Q20/351 ,  G06Q20/10 ,  G06Q20/3552 ,  G06Q20/363

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

Abstract translation: 本公开涉及用于创建虚拟信用卡的设备，系统和方法。 该方法包括：从终端设备的用户界面接收实名信息的子集; 使用实名信息的子集搜索存储在第一服务器中的实名信息; 找到实名信息后，将实名信息发送给第二服务器; 发现信用卡帐号不存储在第二台服务器中后，向第一台服务器发送信用卡; 如果与电子交换账户相关的交换资源账户存储在第一服务器中，则由第二服务器创建虚拟信用卡账户; 以及将与虚拟信用卡帐户相关联的虚拟信用卡存储在第一服务器的数据存储器中。

公开(公告)号：WO2015135388A1

公开(公告)日：2015-09-17

申请号：PCT/CN2015/070484

申请日：2015-01-09

Applicant: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED

Inventor： LIU, Guoguo ,  WU, Yi ,  GONG, Chen ,  ZHANG, Wenjing ,  ZHANG, Jinming ,  TAN, Jinwen ,  GUO, Yixin ,  YE, Wa ,  HOU, Liang ,  XU, Zhenyu ,  ZHANG, Bin ,  CHEN, Wei ,  ZHENG, Haojian ,  JIANG, Yingyi ,  SONG, Lingyun ,  JIANG, Nan

IPC: G06Q20/12 ,  G06Q20/22 ,  G06Q30/00

CPC classification number: G06Q20/351 ,  G06Q20/10 ,  G06Q20/22 ,  G06Q20/24 ,  G06Q20/3223 ,  G06Q20/354 ,  G06Q40/02 ,  H04L51/046 ,  H04L51/36

Abstract: Device, system and method for creating virtual credit are provided. The method includes acquiring user real-name information from a user interface by a terminal device, wherein an electronic exchange account associating with the acquired user real-name information is not saved in a first server； sending the user real-name information to a second server； detecting if a credit card account associating with the user real-name information is saved in the second server, and creating a virtual credit card account if the credit card account is saved in the second server； and storing the virtual credit card associated with the virtual credit card account in the data storage of the first server.

Abstract translation: 提供了创建虚拟信用的设备，系统和方法。 该方法包括：通过终端装置从用户接口获取用户实名信息，其中与所获取的用户实名信息相关联的电子交换账户不被保存在第一服务器中; 将用户实名信息发送到第二服务器; 检测与用户实名信息相关联的信用卡账户是否被保存在第二服务器中，如果信用卡账户被保存在第二服务器中，则创建虚拟信用卡账户; 以及将与虚拟信用卡帐户相关联的虚拟信用卡存储在第一服务器的数据存储器中。

公开(公告)号：WO2015135381A1

公开(公告)日：2015-09-17

申请号：PCT/CN2015/070202

申请日：2015-01-06

Applicant: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED

Inventor： LIU, Guoguo ,  WU, Yi ,  GONG, Chen ,  ZHANG, Wenjing ,  ZHANG, Jinming ,  TAN, Jinwen ,  GUO, Yixin ,  YE, Wa ,  HOU, Liang ,  XU, Zhenyu ,  ZHANG, Bin ,  CHEN, Wei ,  ZHENG, Haojian ,  JIANG, Yingyi ,  SONG, Lingyun ,  JIANG, Nan

IPC: H04L29/08

CPC classification number: G06Q20/351 ,  G06Q20/24 ,  H04L67/1097 ,  H04L67/306

Abstract: The present invention provides a method, device, and system for creating a virtual credit card, and the method includes: acquiring a subset of real-name information from a user interface of a terminal device; searching the real-name information stored in the first server with the subset of the real-name information; upon the real-name information is found in the first server, sending the real-name user information to a second server; finding whether the real-name information associates with a credit card account stored in the second server; after finding the credit card account is stored in the second server, creating, by the second server, a virtual credit card account; and storing the virtual credit card associated with the virtual credit card account in the data storage of the first server. The present invention can improve the efficiency of creating a credit account.

Abstract translation: 本发明提供了一种用于创建虚拟信用卡的方法，设备和系统，并且该方法包括：从终端设备的用户接口获取实名信息的子集; 使用实名信息的子集搜索存储在第一服务器中的实名信息; 在第一服务器中找到实名信息时，将实名用户信息发送到第二服务器; 确定实名信息是否与存储在第二服务器中的信用卡账户相关联; 在发现信用卡账户存储在第二服务器中之后，由第二服务器创建虚拟信用卡账户; 以及将与虚拟信用卡帐户相关联的虚拟信用卡存储在第一服务器的数据存储器中。 本发明可以提高创建信用账户的效率。

公开(公告)号：WO2015135380A1

公开(公告)日：2015-09-17

申请号：PCT/CN2015/070168

申请日：2015-01-06

Applicant: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED

Inventor： LIU, Guoguo ,  WU, Yi ,  GONG, Chen ,  ZHANG, Wenjing ,  ZHANG, Jinming ,  TAN, Jinwen ,  GUO, Yixin ,  YE, Wa ,  HOU, Liang ,  XU, Zhenyu ,  ZHANG, Bin ,  CHEN, Wei ,  ZHENG, Haojian ,  JIANG, Yingyi ,  SONG, Lingyun ,  JIANG, Nan

IPC: H04L29/08

CPC classification number: G06Q20/351 ,  G06F3/0481 ,  G06F17/30864 ,  G06Q20/102 ,  G06Q20/3552 ,  G06Q20/363 ,  G06Q20/40

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

Abstract translation: 目前披露的方法，设备，创建虚拟信用卡系统。 该方法包括：从终端设备的用户界面接收实名信息的子集; 使用实名信息的子集搜索存储在第一服务器中的实名信息; 当找到实名信息时，将实名信息发送到第二服务器; 确定实名信息是否与信用卡账户相关联; 在找到不存储在第二服务器中的信用卡帐户之后，确定与电子交换账户绑定的交换资源账号是否存储在第一服务器中; 如果没有存储交换资源帐户，则接收资源节省账户的账户信息，并绑定电子交换账户和资源节省帐户; 由第二台服务器创建虚拟信用卡帐户; 并在第一台服务器中存储虚拟信用卡。