A virtual card downloading method, wherein the method comprises: presetting, by a terminal, a scenario condition, and reporting terminal information to a server when the preset scenario condition is satisfied, wherein the terminal information is used to enable the server to create an account for the terminal and to associate the account with virtual card data; and accessing, by the terminal, the server by using the account, and downloading the virtual card data associated with the account, wherein the scenario condition is that the terminal establishes a communication connection to the server; wherein the method is characterized by further comprising: performing, by the terminal, encryption negotiation with the server, and obtaining a negotiation key, wherein the negotiation key is used to enable the server to encrypt the account and the virtual card data by using the negotiation key; wherein the accessing, by the terminal, the server by using the account, and downloading the virtual card data associated with the account is specifically: decrypting, by the terminal, the account of the terminal by using the negotiation key, and accessing the server by using the account; and decrypting, by the terminal by using the negotiation key, the virtual card data associated with the account, and downloading the virtual card data. presetting, by a terminal, a scenario condition, and reporting terminal information to a server when the preset scenario condition is satisfied, wherein the terminal information is used to enable the server to create an account for the terminal and to associate the account with virtual card data; and accessing, by the terminal, the server by using the account, and downloading the virtual card data associated with the account, wherein the scenario condition is that the terminal establishes a communication connection to the server; wherein the method is characterized by further comprising: performing, by the terminal, encryption negotiation with the server, and obtaining a negotiation key, wherein the negotiation key is used to enable the server to encrypt the account and the virtual card data by using the negotiation key; wherein the accessing, by the terminal, the server by using the account, and downloading the virtual card data associated with the account is specifically: decrypting, by the terminal, the account of the terminal by using the negotiation key, and accessing the server by using the account; and decrypting, by the terminal by using the negotiation key, the virtual card data associated with the account, and downloading the virtual card data. performing, by the terminal, encryption negotiation with the server, and obtaining a negotiation key, wherein the negotiation key is used to enable the server to encrypt the account and the virtual card data by using the negotiation key; wherein the accessing, by the terminal, the server by using the account, and downloading the virtual card data associated with the account is specifically: decrypting, by the terminal, the account of the terminal by using the negotiation key, and accessing the server by using the account; and decrypting, by the terminal by using the negotiation key, the virtual card data associated with the account, and downloading the virtual card data.