| 摘要 |
Provided is a method for issuing single-use and multiple-use virtual payment cards via a mobile and wearable device. The method may include receiving a card issuance request from a user, prompting the user to enter a user authentication information, accessing a user account maintained by a card issuer, generating the virtual payment card based on payment data of the user account, and providing the virtual payment card to the mobile and wearable device. The method may continue with receiving a transaction request from a merchant and matching merchant identification data provided by the user in the card issuance request and merchant identification data provide by the merchant. If the match of the merchant identification data is determined, the method may continue with authorizing a payment transaction by transferring a payment amount from the virtual payment card to a merchant account associated with the merchant. |
| 主权项 |
1. A system for issuing single-use and multiple-use virtual payment cards via a mobile and wearable device, the system comprising:
a processor operable to:
receive, from the mobile and wearable device of a user, a card issuance request for issuing a virtual payment card, wherein the card issuance request includes a payment amount and a first merchant identification data associated with a merchant;in response to the card issuance request, prompt the user to enter a user authentication information;receive, from the user, the user authentication information;based on the user authentication information, accessing a user account maintained by a card issuer, wherein the user account includes at least a payment data associated with the user;receive, from the merchant, a transaction request to perform a payment transaction associated with the user, the transaction request including at least a second merchant identification data and data associated with the virtual payment card;match the first merchant identification data and the second merchant identification data;upon determining a match of the first merchant identification data and the second merchant identification data, authorize the payment transaction by transferring the payment amount from the virtual payment card to a merchant account associated with the merchant, the merchant account being retrieved from the second merchant identification data;based on the transferring, determine that the payment transaction associated with the user is completed; andbased on the determining that the payment transaction is completed, deactivate the virtual payment card; a card issuance unit operable to:
based on the payment data associated with the user and the first merchant identification data, generate the virtual payment card, the virtual payment card having a deposit, the deposit being at least equal to the payment amount requested by the user in the card issuance request; andprovide the virtual payment card to the mobile and wearable device; and a storage unit operable to store at least the user authentication information, the virtual payment card, the first merchant identification data, and the second merchant identification data. |
