CN109801053A - A kind of system and method for unified binding bank card - Google Patents
A kind of system and method for unified binding bank card Download PDFInfo
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- CN109801053A CN109801053A CN201811619664.0A CN201811619664A CN109801053A CN 109801053 A CN109801053 A CN 109801053A CN 201811619664 A CN201811619664 A CN 201811619664A CN 109801053 A CN109801053 A CN 109801053A
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Abstract
The invention discloses a kind of system and methods of unified binding bank card, and wherein method is the following steps are included: obtaining and uploading binding bank card information；It is generated according to binding bank card information and issues the first verification information；After carrying out verification processing according to the first verification information, judgement verifies whether success, and when being proved to be successful, and uploads first and is proved to be successful information；In conjunction with first be proved to be successful information and binding bank card information carry out binding processing after, generate the first result information；After carrying out binding processing in conjunction with binding bank card information and the first result information, the second result information is generated.The present invention is uploaded to the first payment platform for bank card information is bound, first payment platform reaches the second payment platform for bank card information is bound, realize that user uploads primary binding bank card information and can realize bank card binding in two the second payment platforms, the time of user is saved, the efficiency for also improving binding bank card simultaneously, can be widely applied to network communication technology field.
Description
Technical field
The present invention relates to network communication technology field more particularly to a kind of system and methods of unified binding bank card.
Background technique
With the rapid development in Electronic Commerce in China market, the transaction size of entire E-commerce market constantly expands, is objective
Amount amount sharply rises.Currently, the channels to fund as important link in whole network payment system, use is all commercial silver
The online banking service that row provides.There are various Third-party payment platforms currently on the market based on such background, is directed to
Domestic payment and the payment for foreign countries, or the retail payment for the payment on line and under line etc..By these third parties
Payment platform, user can rapidly realize payment, however user is when Third-party payment platform is paid, need by bank card with
The Third-party payment platform is bound, and is needed to upload more data and verification information in binding procedure, is needed to spend user
The a large amount of time carries out binding bank card operation.In currently existing scheme, as soon as user needs to need with Third-party payment platform
To be carried out in a Third-party payment platform once bind bank card operation, as soon as and time bindings can not be carried out, reality
The bank card binding of existing two Third-party payment platforms, wastes the time of user, reduces the operating experience of user.
Summary of the invention
In order to solve the above-mentioned technical problem, the object of the present invention is to provide it is a kind of be able to carry out unified binding bank card be
System.
It is a further object of the present invention to provide a kind of methods for being able to carry out unified binding bank card.
The technical scheme adopted by the invention is that:
A kind of system of unified binding bank card, including intelligent terminal, the first payment platform and the second payment platform；
The intelligent terminal is receiving first for obtaining and uploading binding bank card information to the first payment platform
Verification processing is carried out after verification information, judgement verifies whether success, and when being proved to be successful, and uploads first and is proved to be successful information extremely
First payment platform, and receive the second result information；
First payment platform is proved to be successful information and is pass-through to the second payment for that will bind bank card information and first
Platform, and after receiving the first result information, binding processing is carried out in conjunction with binding bank card information and the first result information, with
It generates and issues the second result information to intelligent terminal；
Second payment platform is used for after receiving binding bank card information, issues the according to binding bank card information
One verification information to intelligent terminal, and receive first be proved to be successful information after, be proved to be successful information in conjunction with first and tie up
Determine bank card information and carry out binding processing, and returns to the first result information to the first payment platform；
The binding bank card information includes bank card information to be bound, the ID card information of holder, holder
Name and reserved call number.
Further, the intelligent terminal carries out unified note in the first payment platform and the second payment platform in the following manner
Volume:
Intelligent terminal obtains and uploads account information and cell-phone number information to the first payment platform；
First payment platform generates according to cell-phone number information and issues the second verification information to intelligent terminal；
After intelligent terminal carries out verification processing according to the second verification information, judgement verifies whether success, and is being proved to be successful
When, it generates and uploads second and be proved to be successful information to the first payment platform；
First payment platform is proved to be successful information according to second and account information carries out location registration process and the first account of generation,
And account information and cell-phone number information are sent to the second payment platform；
Second payment platform carries out after generating the second account after location registration process according to account information and cell-phone number information, by the
Two accounts are sent to the first payment platform；
First payment platform is issued to intelligent terminal after receiving the second account, by the first account and the second account.
Further, the intelligent terminal is recognized in the first payment platform and the second payment platform progress real name in the following manner
Card:
After intelligent terminal logs in the first payment platform by the first account, obtains and upload ID card information to the first payment
Platform；
First payment platform carries out real-name authentication processing according to ID card information, and generates the first authentication result information, with
And ID card information is pass-through to the second payment platform；
After second payment platform carries out real-name authentication processing according to ID card information, the second authentication result information is returned to the
One payment platform；
First payment platform ties the first authentication result information and the second certification after receiving the second authentication result information
Fruit information is handed down to intelligent terminal.
Further, the intelligent terminal is transferred accounts in the first payment platform and the second payment platform in the following manner:
After intelligent terminal logs in the first payment platform by the first account, obtains and upload transfer information to the first payment and put down
Platform；
First payment platform transfers accounts the preset amount of money to the second payment platform according to transfer information, so that the second payment is flat
Platform returns to transfer result information；
First payment platform is issued to intelligent terminal according to transfer result information.
Further, the intelligent terminal trade in the first payment platform and the second payment platform and look into the following manner
It askes:
After intelligent terminal logs in the first payment platform by the first account, obtains and upload query information to the first payment and put down
Platform；
Query information is pass-through to the second payment platform by the first payment platform；
Second payment platform returns to query result information to the first payment platform according to query information；
Query result information is issued intelligent terminal by the first payment platform.
It is of the present invention another solution is that
A method of unified binding bank card, including following methods:
It obtains and uploads binding bank card information；
It is generated according to binding bank card information and issues the first verification information；
After carrying out verification processing according to the first verification information, judgement verifies whether success, and when being proved to be successful, uploads the
One is proved to be successful information；
In conjunction with first be proved to be successful information and binding bank card information carry out binding processing after, generate the first result information；
After carrying out binding processing in conjunction with binding bank card information and the first result information, the second result information is generated；
The binding bank card information includes bank card information to be bound, the ID card information of holder, holder
Name and reserved call number.
It further, further include uniform registration step, specifically:
After obtaining and uploading account information and cell-phone number information, the second verifying is generated according to account information and cell-phone number information
Information；
After carrying out verification processing according to the second verification information, judgement verifies whether success, and when being proved to be successful, generates the
Two are proved to be successful information；
The first account is generated after being proved to be successful information and account information progress location registration process according to second；
The second account is generated after carrying out location registration process according to account information and cell-phone number information.
It further, further include real-name authentication step, specifically:
After being logged in by the first account, obtains and upload ID card information；
After carrying out real-name authentication processing according to ID card information, the first authentication result information and the second authentication result letter are returned
Breath.
It further, further include transferring step, specifically:
After being logged in by the first account, obtains and upload transfer information；
After the preset amount of money is transferred accounts according to transfer information, transfer result information is returned.
It further, further include Transaction Inquiries step, specifically:
After being logged in by the first account, obtains and upload query information；
Query result information is returned according to query information.
The beneficial effects of the present invention are: the present invention is uploaded to first when binding bank card, by binding bank card information
Platform is paid, binding bank card information is reached the second payment platform by the way of transparent transmission, realized on user by the first payment platform
Bank card binding can be realized in two the second payment platforms by passing primary binding bank card information, be uploaded without a payment platform
Primary binding bank card information, has saved the time of user, while also improving the efficiency of binding bank card.
Detailed description of the invention
Fig. 1 is a kind of structural block diagram of the system of unified binding bank card of the present invention；
Fig. 2 is a kind of step flow chart of the method for unified binding bank card of the present invention.
Specific embodiment
Embodiment one
As shown in Figure 1, the system for present embodiments providing a kind of unified binding bank card, including intelligent terminal, first
Pay platform and the second payment platform；
The intelligent terminal is receiving first for obtaining and uploading binding bank card information to the first payment platform
Verification processing is carried out after verification information, judgement verifies whether success, and when being proved to be successful, and uploads first and is proved to be successful information extremely
First payment platform, and receive the second result information；
First payment platform is proved to be successful information and is pass-through to the second payment for that will bind bank card information and first
Platform, and after receiving the first result information, binding processing is carried out in conjunction with binding bank card information and the first result information, with
It generates and issues the second result information to intelligent terminal；
Second payment platform is used for after receiving binding bank card information, issues the according to binding bank card information
One verification information to intelligent terminal, and receive first be proved to be successful information after, be proved to be successful information in conjunction with first and tie up
Determine bank card information and carry out binding processing, and returns to the first result information to the first payment platform；
The binding bank card information includes bank card information to be bound, the ID card information of holder, holder
Name and reserved call number.
The working principle of above system are as follows: first payment platform and the second payment platform are all flat for Third-party payment
Platform, the payment environment that first payment platform and the second payment platform can be directed to is not identical, such as the first payment platform needle
Pair be domestic payment (such as easy ticket connection and Alipay etc.), and the second payment platform be directed to external payment (such as
Whole world pair etc.).It, will by intelligent terminal when user needs to bind bank card on the first payment platform and the second payment platform
Binding bank card information is uploaded to the first payment platform (such as easy ticket connection), and the binding bank card information includes silver to be bound
Row card information, the ID card information of holder, the name of holder and reserved call number, it is seen that user ties up in preparation and input
When determining bank card information, need to take some time.After first payment platform receives binding bank card information, to binding silver
Row card information to being stored, while will binding bank card information to being pass-through to the second payment platform (for example the whole world is paid).Second
Payment platform receives binding bank card information, is sent in the first verification information to intelligent terminal according to reserved call number.Intelligence
After the first verification information can be received, user carries out verification operation according to the first verification information, and after being proved to be successful, and intelligence is eventually
End uploads and is proved to be successful information to the first payment platform.First payment platform will directly be proved to be successful information and be pass-through to the second payment
Platform, the second payment platform carries out binding processing according to information is proved to be successful, and the first result information of binding processing is sent
The first payment platform is returned, first result information can be binding success, or binding is unsuccessful, and shows binding not
Successful principle.First payment platform combines binding bank card information and the first result information to carry out binding processing, if
First result information be binding success, then the first payment platform also carries out bindings, if the first result information be binding not at
Function, then the first payment platform is without bindings；After first payment platform carries out binding processing, generates and issue the second result
Information tells whether binding succeeds user to intelligent terminal.By the system, user need to only carry out once binding bank card behaviour
Make, the bank card binding of two third-party platforms can be realized, largely save the time of user, improve the operation of user
Experience.
It is further used as preferred embodiment, the intelligent terminal is in the following manner in the first payment platform and second
Payment platform carries out uniform registration:
Intelligent terminal obtains and uploads account information and cell-phone number information to the first payment platform；
First payment platform generates according to cell-phone number information and issues the second verification information to intelligent terminal；
After intelligent terminal carries out verification processing according to the second verification information, judgement verifies whether success, and is being proved to be successful
When, it generates and uploads second and be proved to be successful information to the first payment platform；
First payment platform is proved to be successful information according to second and account information carries out location registration process and the first account of generation,
And account information and cell-phone number information are sent to the second payment platform；
Second payment platform carries out after generating the second account after location registration process according to account information and cell-phone number information, by the
Two accounts are sent to the first payment platform；
First payment platform is issued to intelligent terminal after receiving the second account, by the first account and the second account.
Before carrying out the unified operation for binding bank card, the step of carrying out uniform registration is needed, uniform registration, and need
It wants user to carry out once registering operation on intelligent terminal, the registration of two Third-party payment platforms can be realized.User passes through
Intelligent terminal uploads account information and cell-phone number information to the first payment platform, after the first payment platform receives information, according to
Cell-phone number information generates the second verification information and is sent to intelligent terminal, and user is verified by intelligent terminal, and is being verified
When success, generates and upload second and be proved to be successful information to the first payment platform.First payment platform is proved to be successful according to second
Information and account information carry out location registration process and generate the first account, and it is flat that user can log in the first payment by first account
Platform.Account information and cell-phone number information are sent to the second payment platform, the second payment platform automatically by the first payment platform simultaneously
The second account is generated after carrying out location registration process according to account information and cell-phone number information, and the second account is flat through the first payment
Platform is pass-through to intelligent terminal, and user can log in the second payment platform by the second account.In this way, user only need to once be infused
Volume operation, can be realized the registration of two Third-party payment platforms, has greatly saved the time of user, improve the operation of user
Experience.
It is further used as preferred embodiment, the intelligent terminal is in the following manner in the first payment platform and second
Payment platform carries out real-name authentication:
After intelligent terminal logs in the first payment platform by the first account, obtains and upload ID card information to the first payment
Platform；
First payment platform carries out real-name authentication processing according to ID card information, and generates the first authentication result information, with
And ID card information is pass-through to the second payment platform；
After second payment platform carries out real-name authentication processing according to ID card information, the second authentication result information is returned to the
One payment platform；
First payment platform ties the first authentication result information and the second certification after receiving the second authentication result information
Fruit information is handed down to intelligent terminal.
Existing Third-party payment platform is required to carry out real-name authentication, such as uploads ID card information and personal photograph
Piece information etc..In the present embodiment, real-name authentication is carried out by uploading ID card information, user passes through intelligent terminal for identity card
After information is uploaded to the first payment platform, ID card information is transmitted to the second payment platform by the first payment platform automatic synchronization.
First payment platform carries out real-name authentication according to ID card information, obtains the first authentication result information；Second payment
Platform carries out real-name authentication according to ID card information, obtains the second authentication result information.When the second payment platform is authenticated second
When result information returns to the first payment platform, the first payment platform will be under the first authentication result information and the second authentication result information
Issue intelligent terminal.In this way, user need to only carry out a real-name authentication operation, can be realized in two Third-party payment platforms real
Name certification, has greatly saved the time of user, has improved the operating experience of user.
It is further used as preferred embodiment, the intelligent terminal is in the following manner in the first payment platform and second
Payment platform is transferred accounts:
After intelligent terminal logs in the first payment platform by the first account, obtains and upload transfer information to the first payment and put down
Platform；
First payment platform transfers accounts the preset amount of money to the second payment platform according to transfer information, so that the second payment is flat
Platform returns to transfer result information；
First payment platform is issued to intelligent terminal according to transfer result information.
Since the first payment platform and the second payment platform are all bundled with bank card, the first payment platform and the second payment are flat
Platform can be supplemented with money directly from bank card.In the present embodiment, the amount of money being stored in the first payment platform can transfer accounts to
Second payment platform, concrete operations are as follows: after user logs in the first payment platform by the first account, input transfer information and preset
The amount of money after, the amount of money goes to the second payment platform from the first payment platform, and the second payment platform returns to transfer result information to the
One payment platform, the first payment platform issue information intelligent terminal, tell whether user transfers accounts success.Such as: the first payment is flat
Platform is easy ticket connection, and the second payment platform is that the whole world is paid, but user needs to go abroad when consuming, and can directly adopt bank card and pay to the whole world
It supplements with money, can also be paid by transferring accounts in easy ticket connection to the whole world, so that user be facilitated to consume in foreign countries.
It is further used as preferred embodiment, the intelligent terminal is in the following manner in the first payment platform and second
Payment platform carries out Transaction Inquiries:
After intelligent terminal logs in the first payment platform by the first account, obtains and upload query information to the first payment and put down
Platform；
Query information is pass-through to the second payment platform by the first payment platform；
Second payment platform returns to query result information to the first payment platform according to query information；
Query result information is issued intelligent terminal by the first payment platform.
User can log in the first payment platform respectively and the second payment platform is inquired the transaction feelings on payment platform
Condition can also inquire the trading situation of the second payment platform, thus more in the present solution, user need to only log in the first payment platform
Add and facilitates user query information.Specifically: after user logs in the first payment platform by the first account, input relevant inquiry letter
Query information can be pass-through to the second payment platform by breath, the first payment platform, and the second payment platform is looked into according to query information return
Result information is ask, to realize that user inquires the trading situation of the second payment platform by logging in the first payment platform.
Embodiment two
As shown in Fig. 2, a kind of method for present embodiments providing unified binding bank card, including following methods:
S1, acquisition simultaneously upload binding bank card information；
S2, it is generated according to binding bank card information and issues the first verification information；
S3, after carrying out verification processing according to the first verification information, judge to verify whether success, and when being proved to be successful, on
It passes first and is proved to be successful information；
S4, combination first be proved to be successful information and binding bank card information carry out binding processing after, generate the first result letter
Breath；
S5, after carrying out binding processing in conjunction with binding bank card information and the first result information, the second result information is generated；
The binding bank card information includes bank card information to be bound, the ID card information of holder, holder
Name and reserved call number.
User will bind bank card information and be uploaded to the first payment platform by intelligent terminal, and the first payment platform transparent transmission is tied up
Bank card information is determined to the second payment platform, therefore user need to only upload primary information, can be realized flat in two Third-party payments
Bank card is bound simultaneously on platform, the operation for once binding bank card is carried out on a payment platform without user, has saved use
The time at family improves the operating experience of user.
It is further used as preferred embodiment, further includes uniform registration step, specifically:
After obtaining and uploading account information and cell-phone number information, the second verifying is generated according to account information and cell-phone number information
Information；
After carrying out verification processing according to the second verification information, judgement verifies whether success, and when being proved to be successful, generates the
Two are proved to be successful information；
The first account is generated after being proved to be successful information and account information progress location registration process according to second；
The second account is generated after carrying out location registration process according to account information and cell-phone number information.
It is further used as preferred embodiment, further includes real-name authentication step, specifically:
After being logged in by the first account, obtains and upload ID card information；
After carrying out real-name authentication processing according to ID card information, the first authentication result information and the second authentication result letter are returned
Breath.
It is further used as preferred embodiment, further includes transferring step, specifically:
After being logged in by the first account, obtains and upload transfer information；
After the preset amount of money is transferred accounts according to transfer information, transfer result information is returned.
It is further used as preferred embodiment, further includes Transaction Inquiries step, specifically:
After being logged in by the first account, obtains and upload query information；
Query result information is returned according to query information.
The method of embodiment two and the system of embodiment one correspond, and therefore, embodiment two has embodiment one corresponding
Function and beneficial effect.
It is to be illustrated to preferable implementation of the invention, but the invention is not limited to the implementation above
Example, those skilled in the art can also make various equivalent variations on the premise of without prejudice to spirit of the invention or replace
It changes, these equivalent deformations or replacement are all included in the scope defined by the claims of the present application.
Claims (10)
1. a kind of system of unified binding bank card, which is characterized in that including intelligent terminal, the first payment platform and the second payment
Platform；
The intelligent terminal is receiving the first verifying for obtaining and uploading binding bank card information to the first payment platform
Verification processing is carried out after information, judgement verifies whether success, and when being proved to be successful, and uploads first and is proved to be successful information to first
Payment platform, and receive the second result information；
First payment platform is proved to be successful information and is pass-through to the second payment platform for that will bind bank card information and first,
And after receiving the first result information, binding processing is carried out in conjunction with binding bank card information and the first result information, to generate
And the second result information is issued to intelligent terminal；
Second payment platform is used for after receiving binding bank card information, is issued first according to binding bank card information and is tested
Information is demonstrate,proved to intelligent terminal, and receive first be proved to be successful information after, be proved to be successful information and binding silver in conjunction with first
Row card information carries out binding processing, and returns to the first result information to the first payment platform；
It is described binding bank card information include bank card information to be bound, the ID card information of holder, holder name
With reserved call number.
2. a kind of system of unified binding bank card according to claim 1, which is characterized in that the intelligent terminal passes through
Following manner carries out uniform registration in the first payment platform and the second payment platform:
Intelligent terminal obtains and uploads account information and cell-phone number information to the first payment platform；
First payment platform generates according to cell-phone number information and issues the second verification information to intelligent terminal；
After intelligent terminal carries out verification processing according to the second verification information, judgement verifies whether success, and when being proved to be successful, raw
At and upload and second be proved to be successful information to the first payment platform；
First payment platform is proved to be successful information according to second and account information carries out location registration process and the first account of generation, and
Account information and cell-phone number information are sent to the second payment platform；
After second payment platform is according to the second account is generated after account information and cell-phone number information progress location registration process, by the second account
Number it is sent to the first payment platform；
First payment platform is issued to intelligent terminal after receiving the second account, by the first account and the second account.
3. a kind of system of unified binding bank card according to claim 2, which is characterized in that the intelligent terminal passes through
Following manner carries out real-name authentication in the first payment platform and the second payment platform:
After intelligent terminal logs in the first payment platform by the first account, obtains and upload ID card information to the first payment and put down
Platform；
First payment platform carries out real-name authentication processing according to ID card information, and generates the first authentication result information, and will
ID card information is pass-through to the second payment platform；
After second payment platform carries out real-name authentication processing according to ID card information, the second authentication result information is returned to first
Pay platform；
First payment platform believes the first authentication result information and the second authentication result after receiving the second authentication result information
Breath is handed down to intelligent terminal.
4. a kind of system of unified binding bank card according to claim 2, which is characterized in that the intelligent terminal passes through
Following manner is transferred accounts in the first payment platform and the second payment platform:
After intelligent terminal logs in the first payment platform by the first account, obtains and upload transfer information to the first payment platform；
First payment platform transfers accounts the preset amount of money to the second payment platform according to transfer information, so that the second payment platform returns
Turn round account result information；
First payment platform is issued to intelligent terminal according to transfer result information.
5. a kind of system of unified binding bank card according to claim 2, which is characterized in that the intelligent terminal passes through
Following manner carries out Transaction Inquiries in the first payment platform and the second payment platform:
After intelligent terminal logs in the first payment platform by the first account, obtains and upload query information to the first payment platform；
Query information is pass-through to the second payment platform by the first payment platform；
Second payment platform returns to query result information to the first payment platform according to query information；
Query result information is issued intelligent terminal by the first payment platform.
6. a kind of method of unified binding bank card, which is characterized in that including following methods:
It obtains and uploads binding bank card information；
It is generated according to binding bank card information and issues the first verification information；
After carrying out verification processing according to the first verification information, judgement verifies whether success, and when being proved to be successful, and uploads first and tests
Demonstrate,prove successful information；
In conjunction with first be proved to be successful information and binding bank card information carry out binding processing after, generate the first result information；
After carrying out binding processing in conjunction with binding bank card information and the first result information, the second result information is generated；
It is described binding bank card information include bank card information to be bound, the ID card information of holder, holder name
With reserved call number.
7. a kind of method of unified binding bank card according to claim 6, which is characterized in that further include uniform registration step
Suddenly, specifically:
After obtaining and uploading account information and cell-phone number information, the second verifying is generated according to account information and cell-phone number information and is believed
Breath；
After carrying out verification processing according to the second verification information, judgement verifies whether success, and when being proved to be successful, and generates second and tests
Demonstrate,prove successful information；
The first account is generated after being proved to be successful information and account information progress location registration process according to second；
The second account is generated after carrying out location registration process according to account information and cell-phone number information.
8. a kind of method of unified binding bank card according to claim 7, which is characterized in that further include real-name authentication step
Suddenly, specifically:
After being logged in by the first account, obtains and upload ID card information；
After carrying out real-name authentication processing according to ID card information, the first authentication result information and the second authentication result information are returned.
9. a kind of method of unified binding bank card according to claim 7, which is characterized in that it further include transferring step,
Specifically:
After being logged in by the first account, obtains and upload transfer information；
After the preset amount of money is transferred accounts according to transfer information, transfer result information is returned.
10. a kind of method of unified binding bank card according to claim 7, which is characterized in that further include Transaction Inquiries
Step, specifically:
After being logged in by the first account, obtains and upload query information；
Query result information is returned according to query information.
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| CN201811619664.0A CN109801053B (en) | 2018-12-28 | 2018-12-28 | System and method for uniformly binding bank cards |
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| CN201811619664.0A CN109801053B (en) | 2018-12-28 | 2018-12-28 | System and method for uniformly binding bank cards |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110689332A (en) * | 2019-09-11 | 2020-01-14 | 腾讯科技（深圳）有限公司 | Resource account binding method, storage medium and electronic device |
| CN111311251A (en) * | 2020-05-09 | 2020-06-19 | 支付宝(杭州)信息技术有限公司 | Binding processing method, device and equipment |
| CN111798240A (en) * | 2020-05-13 | 2020-10-20 | 广州永惠网络科技股份有限公司 | User authentication binding method and device |
| CN112184197A (en) * | 2020-09-17 | 2021-01-05 | 中国银联股份有限公司 | Resource account binding method, server, device, system and storage medium |
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