TWI770377B

• Main Authors: YU, WEI-QI, HE, SHUO, WAN, SI-SHUANG
• Format: Patent
• Language: Chinese
• Published: 11.07.2022
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

A virtual card generating method, a user terminal, and a token server. The virtual card generating method comprises: a first terminal obtains terminal information of a second terminal that needs generation of a virtual card, wherein the first terminal is bound with a payment card (S100); display a payment card list with which the first terminal is bound, and select a payment card that needs to be bound with the second terminal from the payment card list (S300); the first terminal sends the card information of the selected payment card and the terminal information of the second terminal to a token server so as to request for generation of the virtual card (S300); and the token server distributes a token number having a dependence relation to the second terminal on the basis of the card information so as to generate the virtual card and returns the dependence relation and the token number to the first terminal (S300). On the basis of the virtual card generating method, the card binding process can be simplified