| 摘要 |
<p>The present solutions are directed to an architecture and a process for generating and using quick cards or single-use payment tokens (generally referred to as tokens). The solution provides a safe and fast means for generating and using the tokens in a mobile computing environment. The funds for the tokens may be provided by traditional banking cards, bank accounts, credit cards, or other payment instruments. A user may request the generation of a token to be charged to one of the users associated payment instruments. The generated token is sent to a client device of a payor. The payor may then present the token to a payee. With a second client device, the payee can scan the token displayed on the payor's client device. The payee's client device then transmits the scanned token back to the token server, where an authorizer reviews the token. Responsive to determining the received token is a valid token, the authorizer sends an authorization advice to the payment instrument, completing the transaction. The present solutions are also directed to an architecture and a process for registering cards for use, such as bank cards, credit cards, loyalty cards, club cards, or any other card that is configured to carry data or monetary value. The solution provides safe and fast means for registering the card in a mobile computing environment. The system enables a card issuer to unambiguously identify an end user – for example, by one or two factor authentication. Responsive to the identification of the end user by the system, a 2D code that encodes the data needed for registration of the card is presented to the user. The data can be encrypted and the method of delivery to the user can be selected by user or the card issuer. With a mobile application, the user scans the presented 2D code. The mobile application transmits the data of the 2D code to the server, which decrypts and verifies the data. Responsive to decrypting and verifying the data, the card of the card holder is registered. In some implementations, the user may also wish to register the card with an e-wallet application on their mobile devices, such that the user may use the card from the mobile device at a later date.</p> |
