CN109993513A - The methods, devices and systems of payment account binding bank card - Google Patents
The methods, devices and systems of payment account binding bank card Download PDFInfo
- Publication number
- CN109993513A CN109993513A CN201910224189.5A CN201910224189A CN109993513A CN 109993513 A CN109993513 A CN 109993513A CN 201910224189 A CN201910224189 A CN 201910224189A CN 109993513 A CN109993513 A CN 109993513A
- Authority
- CN
- China
- Prior art keywords
- server
- signing
- payment
- bank
- identifying code
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Abstract
This application discloses a kind of methods, devices and systems of payment account binding bank card, belong to network payment technical field.The described method includes: receiving the signing element information that bank server is sent, wherein the signing element information is identified including at least destinations traffic；Subscription request is sent to the bank server, wherein the signing element information and identifying code is carried in the subscription request, the identifying code is the identifying code or pre-stored identifying code generated at random；Receive the signing protocol number that the bank server is sent based on the subscription request；Determine that the destinations traffic identifies corresponding payment account mark, by signing protocol number storage corresponding with payment account mark.
Description
Technical field
This application involves network payment technical field, in particular to a kind of method, apparatus of payment account binding bank card
And system.
Background technique
With the rapid development of Internet technology, network payment also become people life in main means of payment it
One.Before carrying out network payment by certain payment mechanism, need first to bind bank card in the payment mechanism mostly.In this way, user
When carrying out network payment by the payment mechanism, the corresponding amount of money can be deducted from the bank card.
Currently, user payment mechanism to tie up card process mostly as follows: user logs in payment mechanism using payment account
App (Application, application program) provides signing element information (name, certificate number, bank's card number, silver to payment mechanism
The reserved cell-phone number of row), after the payment server of payment mechanism gets signing element information, Xiang Wanglian server, which sends identity, to be recognized
Card application, carries signing element information in the authentication application, and authentication application is transmitted to silver by net connection server
Row server, whether bank server verifying signing element information is correct, if correctly, reserving hand to this in the form of short message
Machine number sends identifying code, and to net connection server return authentication by message, net connection server returns to the certification by message
To payment server.After user receives short message verification code, payment server is provided it to, payment server is serviced to net connection
Device sends contract application, and said short message identifying code is carried in the contract application, which is transmitted to by net connection server
Bank server, whether bank server verifies the identifying code correct, if correctly, returning to signing agreement to net connection server
Number, after net connection server forwards the signing protocol number, payment server to receive the signing protocol number to payment server, by this
Protocol number of contracting storage corresponding with the payment account of user mark, that is, complete the stream on bank card binding to the payment account
Journey.After the completion of tying up card, when user is paid in the App of the payment mechanism using the bank card, payment server only need by
The protocol number and deducted amount join server by net and are sent to bank server, and bank server, which can be completed, withholds.It is above-mentioned
Tying up in card process through the purpose that identifying code is verified is to judge that this ties up whether card process is that user gets initiation, has in this way
Effect prevent assume another's name to tie up card bring financial risks, safety is very high.
During realizing the application, inventor find the relevant technologies the prior art has at least the following problems:
The above-mentioned verifying tied up card requirements of process and carry out identifying code needs user to wait short message, the identifying code in short message reading,
Then it is manually entered identifying code in terminal, reduces and ties up card efficiency.
Summary of the invention
In order to solve the problems, such as that the relevant technologies, the embodiment of the present application provide a kind of side of payment account binding bank card
Method, device and system.The technical solution is as follows:
In a first aspect, providing a kind of method of payment account binding bank card, which comprises
Receive the signing element information that bank server is sent, wherein the signing element information is logical including at least target
Beacon is known；
Subscription request is sent to the bank server, wherein the signing element letter is carried in the subscription request
Breath and identifying code, the identifying code are the identifying code or pre-stored identifying code generated at random；
Receive the signing protocol number that the bank server is sent based on the subscription request；
Determine that the destinations traffic identifies corresponding payment account mark, by the signing protocol number and the payment account
The corresponding storage of mark.
Optionally, before the transmission subscription request to the bank server, further includes:
Join server by net, Xiang Suoshu bank server sends ID authentication request, and the ID authentication request carries
There is the signing element information；
It receives the bank server and message is passed through by the certification that the net connection server is sent；
It is described to send subscription request to the bank server, comprising:
Join server by the net, Xiang Suoshu bank server sends subscription request；
The signing protocol number for receiving the bank server and being sent based on the subscription request, comprising:
Receive the signing protocol number that the bank server is sent based on the subscription request by the net connection server.
Optionally, exemption from examination signing service mark is also carried in the ID authentication request, is also taken in the subscription request
It is identified with the exemption from examination signing service.
Optionally, the determination destinations traffic identifies corresponding payment account mark, comprising:
In the corresponding relationship of pre-stored payment account mark and communication identifier, the destinations traffic mark is inquired；
If including that the destinations traffic identifies in the corresponding relationship, according to the corresponding relationship, the mesh is determined
Mark the corresponding payment account mark of communication identifier；
If not including the destinations traffic mark in the corresponding relationship, payment account is established, for the payment of foundation
Account distributes payment account mark, and the payment account of distribution is identified, and is determined as the corresponding branch of the destinations traffic mark and pays a bill
Family mark.
Second aspect provides a kind of method of payment account binding bank card, which comprises
Laissezpasser binding instruction is received, obtains signing element information, wherein the signing element information includes at least target
Communication identifier；
The signing element information is sent to payment server；
Receive the subscription request that the payment server is sent, wherein carry the signing in the subscription request and want
Prime information and identifying code, the identifying code are the identifying code or pre-stored identifying code generated at random；
It requests to send signing protocol number to payment server based on the signing element.
Optionally, before the subscription request for receiving payment server transmission, further includes:
The ID authentication request that the payment server is sent by net connection server is received, the ID authentication request is taken
With the signing element information；
Join server by the net, Xiang Suoshu payment server sends certification and passes through message；
The subscription request for receiving the payment server and sending, comprising:
Receive the subscription request that the payment server is sent by the net connection server；
It is described to request to send signing protocol number to payment server based on the signing element, comprising:
Server is joined by the net based on signing element request, Xiang Suoshu payment server sends signing agreement
Number.
Optionally, exemption from examination signing service mark is also carried in the ID authentication request, is also taken in the subscription request
It is identified with the exemption from examination signing service.
The third aspect, provides a kind of payment server, and the payment server includes:
Receiving module, for receiving the signing element information of bank server transmission, wherein the signing element information is extremely
It less include that destinations traffic identifies；
Sending module, for sending subscription request to the bank server, wherein carried in the subscription request
It states signing element information and identifying code, the identifying code is the identifying code or pre-stored identifying code generated at random；
The receiving module, the signing protocol number sent for receiving the bank server based on the subscription request；
Determining module, for determining that the destinations traffic identifies corresponding payment account mark, by the signing protocol number
Storage corresponding with payment account mark.
Optionally, the sending module, is also used to:
Join server by net, Xiang Suoshu bank server sends ID authentication request, and the ID authentication request carries
There is the signing element information；
It receives the bank server and message is passed through by the certification that the net connection server is sent；
The sending module, is used for:
Join server by the net, Xiang Suoshu bank server sends subscription request；
The receiving module, is used for:
Receive the signing protocol number that the bank server is sent based on the subscription request by the net connection server.
Optionally, exemption from examination signing service mark is also carried in the ID authentication request, is also taken in the subscription request
It is identified with the exemption from examination signing service.
Optionally, the identifying code is the identifying code or pre-stored identifying code generated at random.
Optionally, the determining module, is used for:
In the corresponding relationship of pre-stored payment account mark and communication identifier, the destinations traffic mark is inquired；
If including that the destinations traffic identifies in the corresponding relationship, according to the corresponding relationship, the mesh is determined
Mark the corresponding payment account mark of communication identifier；
If not including the destinations traffic mark in the corresponding relationship, payment account is established, for the payment of foundation
Account distributes payment account mark, and the payment account of distribution is identified, and is determined as the corresponding branch of the destinations traffic mark and pays a bill
Family mark.
Fourth aspect, provides a kind of bank server, and the bank server includes:
Receiving module obtains signing element information for receiving laissezpasser binding instruction, wherein the signing element letter
Breath includes at least destinations traffic and identifies；
Sending module, for sending the signing element information to payment server；
The receiving module, the subscription request sent for receiving the payment server, wherein in the subscription request
The signing element information and identifying code are carried, the identifying code is the identifying code generated at random or pre-stored verifying
Code；
The sending module sends signing protocol number to payment server for requesting based on the signing element.
Optionally, the receiving module, is also used to:
The ID authentication request that the payment server is sent by net connection server is received, the ID authentication request is taken
With the signing element information；
Join server by the net, Xiang Suoshu payment server sends certification and passes through message；
The receiving module, is also used to:
Receive the subscription request that the payment server is sent by the net connection server；
The sending module, is used for:
Server is joined by the net based on signing element request, Xiang Suoshu payment server sends signing agreement
Number.
Optionally, exemption from examination signing service mark is also carried in the ID authentication request, is also taken in the subscription request
It is identified with the exemption from examination signing service.
5th aspect, there is provided a system comprising payment servers and bank server, in which:
The payment server, for receiving the signing element information of bank server transmission, wherein the signing element
Information is identified including at least destinations traffic；Subscription request is sent to the bank server, wherein is carried in the subscription request
There are the signing element information and identifying code, the identifying code is the identifying code or pre-stored identifying code generated at random；It connects
Receive the signing protocol number that the bank server is sent based on the subscription request；Determine that the destinations traffic identifies corresponding branch
Account identification is paid, by signing protocol number storage corresponding with payment account mark.
The bank server obtains signing element information, wherein the signing for receiving laissezpasser binding instruction
Element information is identified including at least destinations traffic；The signing element information is sent to payment server；Receive the payment clothes
The subscription request that business device is sent, wherein the signing element information and identifying code, the verifying are carried in the subscription request
Code is the identifying code or pre-stored identifying code generated at random；It requests to send to payment server based on the signing element
Signing protocol number.
6th aspect, provides a kind of computer equipment, and the computer equipment includes processor and memory, described to deposit
It is stored at least one instruction in reservoir, at least one instruction is loaded by the processor and executed to realize such as above-mentioned the
The method of the binding bank card of payment account described in one side.
7th aspect, provides a kind of computer readable storage medium, at least one finger is stored in the storage medium
It enables, at least one instruction is loaded as the processor and executed to realize that the payment account as described in above-mentioned first aspect is tied up
Determine the method for bank card.
Technical solution bring beneficial effect provided by the embodiments of the present application includes at least:
In the embodiment of the present application, payment server receives the signing element information that bank server is sent and signing agreement
Number, then according to the communication identifier in the signing element, determines the corresponding payment account of the communication identifier, then will receive
Signing protocol number it is corresponding with the payment account mark determined storage.In this way, just completing payment account binding bank card.It should
Signing protocol number is sent to payment mechanism server by bank server in method, then illustrates that bank is corresponding to the signing protocol number
Bank card binding to payment account on be approve.The verifying of progress identifying code is not needed in entirely tying up card process, yet
It does not need user and waits short message, the identifying code in short message reading, then be manually entered identifying code in terminal, improve and tie up card efficiency.
Detailed description of the invention
In order to more clearly explain the technical solutions in the embodiments of the present application, make required in being described below to embodiment
Attached drawing is briefly described, it should be apparent that, the drawings in the following description are only some examples of the present application, for
For those of ordinary skill in the art, without creative efforts, it can also be obtained according to these attached drawings other
Attached drawing.
Fig. 1 is a kind of implementation environment figure of payment account binding bank card provided by the embodiments of the present application；
Fig. 2 is a kind of flow chart of the method for payment account binding bank card provided by the embodiments of the present application；
Fig. 3 is a kind of flow chart of the method for payment account binding bank card provided by the embodiments of the present application；
Fig. 4 is a kind of flow chart of the method for payment account binding bank card provided by the embodiments of the present application；
Fig. 5 is a kind of flow chart of the method for payment account binding bank card provided by the embodiments of the present application；
Fig. 6 is a kind of structural schematic diagram of payment server provided by the embodiments of the present application；
Fig. 7 is a kind of structural schematic diagram of bank server provided by the embodiments of the present application；
Fig. 8 is a kind of computer equipment structural schematic diagram provided by the embodiments of the present application.
Specific embodiment
To keep the purposes, technical schemes and advantages of the application clearer, below in conjunction with attached drawing to the application embodiment party
Formula is described in further detail.
The embodiment of the present application provides a kind of method of payment account binding bank card, and this method can be by server reality
It is existing.Implementation environment as shown in Figure 1, wherein server may include the background server (payment server) of the side's of having payment mechanism
And bank is used to execute the server (bank server) of the business contact between payment mechanism, also to ensure that user
Fund security can be deployed with net connection server between payment server and bank server, and net connection server can forward simultaneously
The communication information between payment server and bank server is examined, the business such as some signings, payment are recorded.
It is that one kind provided by the embodiments of the present application can be using the implementation field of payment account binding bank's chucking method below
Scape.The agreement firstly, certain third-party payment mechanism and bank hold consultation, makes bank provide the industry for opening bank card for user
Business when, provide the user with and tie up the service selection of card in the payment mechanism.In this way, user handles in certain bank opens bank card
The industry trends of the times, the bank can allow user to choose whether the bank card while be tied under the payment mechanism, if user agrees to,
Carry out the process that the bank card is bound to the payment account of the user.
As shown in Fig. 2, the process flow of payment server may include following step in this method:
Step 101, the signing element information that bank server is sent is received.
Wherein, signing element information is identified including at least destinations traffic.
Step 102, subscription request is sent to bank server.
Wherein, signing element information is carried in subscription request and identifying code, identifying code are the identifying code generated at random, or
Pre-stored identifying code.
Step 103, the signing protocol number that bank server is sent based on subscription request is received；
Step 104, it determines that destinations traffic identifies corresponding payment account mark, signing protocol number and payment account is identified
Corresponding storage.
As shown in figure 3, the process flow of bank server may include following step in this method:
Step 201, laissezpasser binding instruction is received, signing element information is obtained.
Wherein, signing element information is identified including at least destinations traffic.
Step 202, the signing element information is sent to payment server.
Step 203, the subscription request that payment server is sent is received.
Wherein, signing element information is carried in subscription request and identifying code, identifying code are the identifying code generated at random, or
Pre-stored identifying code.
Step 204, it requests to send signing protocol number to payment server based on signing element.
The embodiment of the present application provides a kind of method of payment account binding bank card, and this method can be by payment server
It is realized jointly with bank server.
As shown in figure 4, the process flow of this method may include following step:
In step 301, bank server receives laissezpasser binding instruction, obtains signing element information.
In an implementation, user needs to provide the letter such as name, certificate number, cell-phone number to bank when bank opens bank card
Breath, bank related service personnel are by these data input banking systems, after determining that information is errorless, can open bank card to user,
And the bank card number is stored together with above- mentioned information.User is when opening bank card, it is also an option that this is open-minded
Bank card binding to the payment account of payment mechanism on.
Herein, bank can add one and whether be tied to branch on the application form for opening bank card for being supplied to user
It pays a bill the option at family, user can be when filling in application form, while choosing the option.Bank's related service personnel can root in this way
According to the content of this application table, judge whether user is in need and bind bank card on payment account, if so, can then help it
When opening bank card, laissezpasser binding instruction is sent to bank server.
In addition to this, bank can also provide the clothes of network bound payment account when user opens bank card for user
Business, such as logs in the official App of bank or the official website of bank is provided in official App or official website and opens this
For logical bank card binding to the option of payment account, user can choose the option, then the background server of official App or
The background server of the official website can send laissezpasser binding instruction to bank server.
Above-mentioned each approach can carry corresponding bank card card into the laissezpasser signing instruction that bank server is sent
Number, it, can be according to silver therein after bank server receives the laissezpasser binding instruction sent by any of the above-described approach
Row card card number gets the corresponding user information of the card number in the user information of storage.Then, signing is got wherein
Element information.
In step 302, bank server sends signing element information to payment server.
Wherein, signing element information, which includes at least, destinations traffic mark, and destinations traffic mark can opened for user
Reserved cell-phone number when logical bank card.
In an implementation, the signing element information for the user that bank server will acquire is sent to above-mentioned payment server.
In step 303, payment server receives the signing element information that bank server is sent.
In step 304, payment server sends subscription request to bank server.
Wherein, the signing element information and identifying code are carried in the subscription request, identifying code is testing of generating at random
Demonstrate,prove code or pre-stored identifying code.
In an implementation, payment server receive bank transmission user signing element information after, can according to
Machine generates an identifying code, and the identifying code and signing element information are sent jointly to bank server.In addition to this, it pays
Server can also be previously stored at least one identifying code, then, in the signing element letter for receiving the user of bank's transmission
After breath, service server can obtain an identifying code directly from the identifying code of storage, and by the identifying code and signing element
Information sends jointly to bank server.Above-mentioned identifying code can be similar with short message verification code format, for example, number, English
The character string etc. that letter or number and English alphabet combine.
In step 305, bank server receives the subscription request that payment server is sent.
Within step 306, bank server is based on signing element and requests protocol number of contracting to payment server transmission.
In an implementation, after bank server receives and confirms subscription request, can according to the signing element information of user and
Bank card number generates signing protocol number.Then, bank server can be by the signing protocol number and bank's card number of user etc.
The corresponding storage of information.The signing protocol number is sent to payment server again.
In step 307, payment server receives the signing protocol number that bank server is sent based on subscription request.
In step 308, payment server determines that destinations traffic identifies corresponding payment account mark.
In an implementation, user can be used cell-phone number and register payment account in the App of payment mechanism, the payment mechanism
Payment server can store the cell-phone number and payment account mark in the database.
Payment server, can be according to this after receiving the signing element and signing protocol number that bank server is sent
Destinations traffic mark in element of contracting determines its corresponding payment account mark in the database.
Optionally, it by the cell-phone number that user reserves when user opens bank card, may be infused with it in payment mechanism
A not cell-phone number used when volume payment account, for two different situations, the place of payment server in step 308
Reason can be such that in the corresponding relationship of pre-stored payment account mark and communication identifier, inquire the destinations traffic mark
Know；If including that the destinations traffic identifies in the corresponding relationship, according to the corresponding relationship, the destinations traffic is determined
Identify corresponding payment account mark；If not including the destinations traffic mark in the corresponding relationship, establishes branch and pay a bill
Family distributes payment account mark for the payment account of foundation, the payment account of distribution is identified, the destinations traffic mark is determined as
Know corresponding payment account mark.
In an implementation, payment server is first in the corresponding relationship of pre-stored payment account mark and communication identifier
In, inquire the destinations traffic mark.If including that the destinations traffic identifies in the corresponding relationship, illustrate that user opens in bank
Used cell-phone number when logical bank card is identical as cell-phone number used when registration payment account.In this case, payment services
Device can determine directly according to the corresponding relationship except destinations traffic identifies corresponding payment account mark.If the corresponding relationship
In do not include the destinations traffic mark, then illustrate user's used cell-phone number when bank opens bank card, with registration pay
Cell-phone number used is not identical when account.In this case, destinations traffic mark one payment account of new registration can be used,
And give the payment account of new registration distribution payment account mark.And identify the payment account of the distribution, it is determined as the target
The corresponding payment account mark of communication identifier.Payment server, can when using destinations traffic mark new registration payment account
With to the destinations traffic mark where terminal send information, with inform user's payment mechanism be its new registration branch pay a bill
Family.
In step 305, payment server by the signing protocol number it is corresponding with the payment account mark storage.
When realizing this method provided by the present application, in order to guarantee that the communication between bank server and payment server is pacified
Entirely, the communication information of the two is recorded, communication information between the two can be by net connection server forwarding.In this way, can be with
Realize supervision of the Central Bank by net connection to payment mechanism.Based on this, a kind of payment account that the embodiment of the present application also provides
The method for binding bank card, this method can be realized jointly by bank server, net connection server and payment server.
As described in Figure 5, the process flow of this method may include following step:
Step 401, bank server receives laissezpasser binding instruction, obtains signing element information.
Wherein, signing element information is identified including at least destinations traffic.
Step 402, bank server sends the signing element information to payment server, and payment server receives bank's clothes
The signing element information that business device is sent.
Step 403, payment server sends ID authentication request to net connection server, and net connection server receives payment clothes
Business device sends ID authentication request.
Step 404, net connection server forwards the ID authentication request to bank server, and bank server receives the identity
Certification request.
Wherein, ID authentication request carries signing element information.
Optionally, exemption from examination signing service mark can be carried in the ID authentication request that payment server is issued.
In an implementation, the exemption from examination signing service can be added in the reserved field in the header domain of ID authentication request
Mark.The exemption from examination signing service, which is identified as, to be determined after payment mechanism and bank confer, and concrete form is unlimited, can be binary system
Code, such as 001.
Step 405, bank server sends certification by message to net connection server, and it is logical that net connection server receives the certification
Cross message.
In an implementation, whether correct bank server can both verify signing element information, while can also verify its carrying
Exemption from examination signing service identify whether it is legal.Alternatively, bank server can not also verify the content of ID authentication request, directly
Verify its carrying exemption from examination signing service identify whether it is legal, i.e., it is whether consistent with what is made an appointment.After being verified, then to this
Net connection server sends certification and passes through message.It should be noted that the above two possible verifying authentication of bank server
Whether in by way of, the exemption from examination signing service that can all verify its carrying identifies whether legal, and after being verified, bank is just
Without sending short message verification code to user as the prior art again.The complicated processes that user inputs identifying code again are eliminated, are mentioned
High signing efficiency.
Step 406, net connection server forwards the certification by message to payment server, and payment server receives the certification
Pass through message.
Step 407, payment mechanism server sends subscription request to net connection server, and net connection server, which receives the signing, asks
It asks.
In an implementation, the subscription request and above-mentioned ID authentication request can be same group of message, message name in application layer
For " authentication and contract application message ".
Optionally, exemption from examination signing service mark can be carried in the subscription request that payment server is issued.
In an implementation, the exemption from examination signing service mark can be added in the reserved field in the header domain of the subscription request
Know.The exemption from examination signing service, which is identified as, to be determined after payment mechanism and bank confer, and concrete form is unlimited, can be binary system
Code, such as 001.
Step 408, net connection server forwards the subscription request to bank server, and bank server receives the signing and asks
It asks.
Step 409, bank server sends signing protocol number to net connection server, and net connection server receives the signing agreement
Number.
Step 410, net connection server forwards the signing protocol number to payment server, and payment server receives signing association
View number.
Step 411, payment server determines that above-mentioned destinations traffic identifies corresponding payment account mark, should by what is received
Protocol number of contracting storage corresponding with payment account mark.
It should be noted that the specific embodiment of the process flow, walks to related above-mentioned process flow shown in Fig. 3
Rapid specific embodiment is identical, and this will not be repeated here.
Based on the same technical idea, the embodiment of the present application also provides a kind of payment server, the payment server, such as
Shown in Fig. 6, which includes: receiving module 510, sending module 520 and determining module 530.
Receiving module 510, for receiving the signing element information of bank server transmission, wherein the signing element letter
Breath includes at least destinations traffic and identifies；
Sending module 520, for sending subscription request to the bank server, wherein carried in the subscription request
There are the signing element information and identifying code, the identifying code is the identifying code or pre-stored identifying code generated at random；
The receiving module 510, the signing agreement sent for receiving the bank server based on the subscription request
Number；
Determining module 530, for determining that the destinations traffic identifies corresponding payment account mark, by the signing agreement
Number corresponding with payment account mark storage.
Optionally, the sending module 520, is also used to:
Join server by net, Xiang Suoshu bank server sends ID authentication request, and the ID authentication request carries
There is the signing element information；
It receives the bank server and message is passed through by the certification that the net connection server is sent；
The sending module 520, is used for:
Join server by the net, Xiang Suoshu bank server sends subscription request；
The receiving module 510, is used for:
Receive the signing protocol number that the bank server is sent based on the subscription request by the net connection server.
Optionally, exemption from examination signing service mark is also carried in the ID authentication request, is also taken in the subscription request
It is identified with the exemption from examination signing service.
Optionally, the identifying code is the identifying code or pre-stored identifying code generated at random.
Optionally, the determining module 530, is used for:
In the corresponding relationship of pre-stored payment account mark and communication identifier, the destinations traffic mark is inquired；
If including that the destinations traffic identifies in the corresponding relationship, according to the corresponding relationship, the mesh is determined
Mark the corresponding payment account mark of communication identifier；
If not including the destinations traffic mark in the corresponding relationship, payment account is established, for the payment of foundation
Account distributes payment account mark, and the payment account of distribution is identified, and is determined as the corresponding branch of the destinations traffic mark and pays a bill
Family mark.
Based on the same technical idea, the embodiment of the present application also provides a kind of bank server, the bank server, such as
Shown in Fig. 7, which includes: receiving module 610 and sending module 620.
Receiving module 610 obtains signing element information, wherein the signing element for receiving laissezpasser binding instruction
Information is identified including at least destinations traffic；
Sending module 620, for sending the signing element information to payment server, so that the payment server base
It is identified in the destinations traffic, determines that the destinations traffic identifies corresponding payment account mark；
The receiving module 610, the subscription request sent for receiving the payment server, wherein the signing is asked
The signing element information and identifying code are carried in asking, the identifying code is the identifying code or pre-stored generated at random
Identifying code；
The sending module 620 sends signing protocol number to payment server for requesting based on the signing element, with
Make the payment server by signing protocol number storage corresponding with payment account mark.
Optionally, the receiving module 610, is also used to:
The ID authentication request that the payment server is sent by net connection server is received, the ID authentication request is taken
With the signing element information；
Join server by the net, Xiang Suoshu payment server sends certification and passes through message；
The receiving module 610, is also used to:
Receive the subscription request that the payment server is sent by the net connection server；
The sending module 620, is used for:
Server is joined by the net based on signing element request, Xiang Suoshu payment server sends signing agreement
Number.
Optionally, exemption from examination signing service mark is also carried in the ID authentication request, is also taken in the subscription request
It is identified with the exemption from examination signing service.
About the device in above-described embodiment, wherein modules execute the concrete mode of operation in related this method
Embodiment in be described in detail, no detailed explanation will be given here.
It should be understood that payment server provided by the above embodiment and bank server are carrying out payment account binding
When bank card, only the example of the division of the above functional modules, in practical application, can according to need and will be above-mentioned
Function distribution is completed by different functional modules, i.e., the internal structure of equipment is divided into different functional modules, with complete with
The all or part of function of upper description.In addition, payment server provided by the above embodiment and bank server are paid a bill with branch
The embodiment of the method for family binding bank card belongs to same design, and specific implementation process is detailed in embodiment of the method, no longer superfluous here
It states.
In the exemplary embodiment, a kind of computer readable storage medium is additionally provided, is stored at least in storage medium
One instruction, at least one instruction are loaded by processor and are executed the side to realize the identification maneuver classification in above-described embodiment
Method.For example, the computer readable storage medium can be ROM, random access memory (RAM), CD-ROM, tape, floppy disk
With optical data storage devices etc..
Based on the same technical idea, the embodiment of the invention also provides a kind of payment account binding bank card system,
System includes payment server and bank server, in which:
Payment server, for receiving the signing element information of bank server transmission, wherein the signing element information
It is identified including at least destinations traffic；Subscription request is sent to the bank server, wherein is carried in the subscription request
It states signing element information and identifying code, the identifying code is the identifying code or pre-stored identifying code generated at random；Receive institute
State the signing protocol number that bank server is sent based on the subscription request；Determine that the destinations traffic identifies corresponding branch and pays a bill
Family mark, by signing protocol number storage corresponding with payment account mark.
The bank server obtains signing element information, wherein the signing for receiving laissezpasser binding instruction
Element information is identified including at least destinations traffic；The signing element information is sent to payment server, so that the payment takes
Device be engaged in based on destinations traffic mark, determines that the destinations traffic identifies corresponding payment account mark；Receive the payment
The subscription request that server is sent, wherein the signing element information and identifying code are carried in the subscription request, it is described to test
Demonstrate,proving code is the identifying code or pre-stored identifying code generated at random；It requests to send out to payment server based on the signing element
Send signing protocol number so that the payment server by the signing protocol number it is corresponding with the payment account mark storage.
Fig. 8 is a kind of structural schematic diagram of computer equipment provided by the embodiments of the present application, which can be because
Configuration or performance are different and generate bigger difference, may include one or more processors (central
Processing units, CPU) 801 and one or more memory 802, wherein it is stored in the memory 802
There is at least one instruction, at least one instruction is loaded by the processor 801 and executed to realize that above-mentioned payment account is tied up
Determine the method for bank card.It should be noted that the computer equipment 800 can be used as above-mentioned payment server to execute accordingly
Method is also used as above-mentioned bank server to execute corresponding method.
Those of ordinary skill in the art will appreciate that realizing that all or part of the steps of above-described embodiment can pass through hardware
It completes, relevant hardware can also be instructed to complete by program, the program can store in a kind of computer-readable
In storage medium, storage medium mentioned above can be read-only memory, disk or CD etc..
The foregoing is merely the preferred embodiments of the application, not to limit the application, it is all in spirit herein and
Within principle, any modification, equivalent replacement, improvement and so on be should be included within the scope of protection of this application.
Claims (10)
1. a kind of method of payment account binding bank card, which is characterized in that the method is applied to payment server, the side
Method includes:
Receive the signing element information that bank server is sent, wherein the signing element information includes at least destinations traffic mark
Know；
To the bank server send subscription request, wherein carried in the subscription request signing element information with
Identifying code, the identifying code are the identifying code or pre-stored identifying code generated at random；
Receive the signing protocol number that the bank server is sent based on the subscription request；
It determines that the destinations traffic identifies corresponding payment account mark, the signing protocol number and the payment account is identified
Corresponding storage.
2. the method according to claim 1, wherein it is described to the bank server send subscription request it
Before, further includes:
Join server by net, Xiang Suoshu bank server sends ID authentication request, and the ID authentication request carries
State signing element information；
It receives the bank server and message is passed through by the certification that the net connection server is sent；
It is described to send subscription request to the bank server, comprising:
Join server by the net, Xiang Suoshu bank server sends subscription request；
The signing protocol number for receiving the bank server and being sent based on the subscription request, comprising:
Receive the signing protocol number that the bank server is sent based on the subscription request by the net connection server.
3. according to the method described in claim 2, it is characterized in that, also carrying exemption from examination signing industry in the ID authentication request
Business identifies, and the exemption from examination signing service mark is also carried in the subscription request.
4. method according to any one of claim 1-3, which is characterized in that the determination destinations traffic mark pair
The payment account mark answered, comprising:
In the corresponding relationship of pre-stored payment account mark and communication identifier, the destinations traffic mark is inquired；
If including that the destinations traffic identifies in the corresponding relationship, according to the corresponding relationship, determine that the target is logical
Beacon knows corresponding payment account mark；
If not including the destinations traffic mark in the corresponding relationship, payment account is established, for the payment account of foundation
Payment account mark is distributed, the payment account of distribution is identified, is determined as the destinations traffic and identifies corresponding payment account mark
Know.
5. a kind of method of payment account binding bank card, which is characterized in that the method is applied to bank server, the side
Method includes:
Laissezpasser binding instruction is received, obtains signing element information, wherein the signing element information includes at least destinations traffic
Mark；
The signing element information is sent to payment server；
Receive the subscription request that the payment server is sent, wherein the signing element letter is carried in the subscription request
Breath and identifying code, the identifying code are that the identifying code that the payment server generates at random or the payment server are deposited in advance
The identifying code of storage；
It requests to send signing protocol number to payment server based on the signing element.
6. according to the method described in claim 5, it is characterized in that, it is described receive payment server send subscription request it
Before, further includes:
The ID authentication request that the payment server is sent by net connection server is received, the ID authentication request carries
The signing element information；
Join server by the net, Xiang Suoshu payment server sends certification and passes through message；
The subscription request for receiving the payment server and sending, comprising:
Receive the subscription request that the payment server is sent by the net connection server；
It is described to request to send signing protocol number to payment server based on the signing element, comprising:
Server is joined by the net based on signing element request, Xiang Suoshu payment server sends signing protocol number.
7. according to the method described in claim 6, it is characterized in that, also carrying exemption from examination signing industry in the ID authentication request
Business identifies, and the exemption from examination signing service mark is also carried in the subscription request.
8. a kind of payment server, which is characterized in that the payment server includes:
Receiving module, for receiving the signing element information of bank server transmission, wherein the signing element information at least wraps
Include destinations traffic mark；
Sending module, for sending subscription request to the bank server, wherein carry the label in the subscription request
About element information and identifying code, the identifying code are the identifying code or pre-stored identifying code generated at random；
The receiving module, the signing protocol number sent for receiving the bank server based on the subscription request；
Determining module, for determining that the destinations traffic identifies corresponding payment account mark, by the signing protocol number and institute
State the corresponding storage of payment account mark.
9. a kind of bank server, which is characterized in that the bank server includes:
Receiving module obtains signing element information, wherein the signing element information is extremely for receiving laissezpasser binding instruction
It less include that destinations traffic identifies；
Sending module, for sending the signing element information to payment server, so that the payment server is based on described
Destinations traffic mark determines that the destinations traffic identifies corresponding payment account mark；
The receiving module, the subscription request sent for receiving the payment server, wherein carried in the subscription request
There are the signing element information and identifying code, the identifying code is the identifying code or pre-stored identifying code generated at random；
The sending module sends signing protocol number to payment server for requesting based on the signing element, so that described
Payment server by the signing protocol number it is corresponding with the payment account mark storage.
10. a kind of computer equipment, which is characterized in that the computer equipment includes processor and memory, the memory
In be stored at least one instruction, at least one instruction is loaded by the processor and is executed to realize such as claim 1
To the method for 7 any payment account binding bank cards.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910224189.5A CN109993513A (en) | 2019-03-22 | 2019-03-22 | The methods, devices and systems of payment account binding bank card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910224189.5A CN109993513A (en) | 2019-03-22 | 2019-03-22 | The methods, devices and systems of payment account binding bank card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109993513A true CN109993513A (en) | 2019-07-09 |
Family
ID=67130990
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910224189.5A Pending CN109993513A (en) | 2019-03-22 | 2019-03-22 | The methods, devices and systems of payment account binding bank card |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109993513A (en) |
Cited By (17)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110555681A (en) * | 2019-08-01 | 2019-12-10 | 阿里巴巴集团控股有限公司 | Bank card signing method, device, server and medium |
| CN110930136A (en) * | 2019-10-25 | 2020-03-27 | 中国建设银行股份有限公司 | Payment method, device, equipment and computer readable medium |
| CN110942308A (en) * | 2019-11-15 | 2020-03-31 | 北京三快在线科技有限公司 | Resource transfer method, device, computer equipment and storage medium |
| CN111260344A (en) * | 2020-01-21 | 2020-06-09 | 支付宝(杭州)信息技术有限公司 | Signing method, device and equipment |
| CN111275543A (en) * | 2020-01-17 | 2020-06-12 | 北京字节跳动网络技术有限公司 | Information processing method, device, server and storage medium |
| CN111640015A (en) * | 2020-02-20 | 2020-09-08 | 中国银联股份有限公司 | Transfer processing system, data processing method, card binding method, originating terminal, and storage medium |
| CN111932245A (en) * | 2020-07-24 | 2020-11-13 | 中国银联股份有限公司 | Data processing method, device, equipment and medium |
| CN111951016A (en) * | 2020-08-13 | 2020-11-17 | 中国工商银行股份有限公司 | Merchant protocol subscription storage method and device |
| CN112053161A (en) * | 2020-05-09 | 2020-12-08 | 支付宝(杭州)信息技术有限公司 | Binding processing method, device and equipment |
| CN112734562A (en) * | 2021-01-08 | 2021-04-30 | 泰康保险集团股份有限公司 | Subscription system, method and computer readable storage medium |
| CN113079224A (en) * | 2021-03-19 | 2021-07-06 | 北京三快在线科技有限公司 | Account binding method and device, storage medium and electronic equipment |
| CN113128996A (en) * | 2021-05-11 | 2021-07-16 | 支付宝(杭州)信息技术有限公司 | Payment method, device and equipment |
| CN113393002A (en) * | 2021-05-12 | 2021-09-14 | 浙江吉利控股集团有限公司 | Network appointment order processing method, processing device, server and storage medium |
| CN113709721A (en) * | 2021-08-30 | 2021-11-26 | 北京三快在线科技有限公司 | Resource transfer method, device, terminal and storage medium |
| CN113807843A (en) * | 2021-09-06 | 2021-12-17 | 中国银联股份有限公司 | Card binding method, user terminal, server, system and storage medium |
| CN114255042A (en) * | 2021-12-27 | 2022-03-29 | 中国农业银行股份有限公司 | Secret payment-free signing method and device, computer equipment and medium |
| CN110555681B (en) * | 2019-08-01 | 2024-05-17 | 创新先进技术有限公司 | Bank card signing method, device, server and medium |
-
2019
- 2019-03-22 CN CN201910224189.5A patent/CN109993513A/en active Pending
Cited By (25)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110555681A (en) * | 2019-08-01 | 2019-12-10 | 阿里巴巴集团控股有限公司 | Bank card signing method, device, server and medium |
| CN110555681B (en) * | 2019-08-01 | 2024-05-17 | 创新先进技术有限公司 | Bank card signing method, device, server and medium |
| CN110930136A (en) * | 2019-10-25 | 2020-03-27 | 中国建设银行股份有限公司 | Payment method, device, equipment and computer readable medium |
| CN110942308A (en) * | 2019-11-15 | 2020-03-31 | 北京三快在线科技有限公司 | Resource transfer method, device, computer equipment and storage medium |
| CN111275543A (en) * | 2020-01-17 | 2020-06-12 | 北京字节跳动网络技术有限公司 | Information processing method, device, server and storage medium |
| CN111260344A (en) * | 2020-01-21 | 2020-06-09 | 支付宝(杭州)信息技术有限公司 | Signing method, device and equipment |
| CN111640015A (en) * | 2020-02-20 | 2020-09-08 | 中国银联股份有限公司 | Transfer processing system, data processing method, card binding method, originating terminal, and storage medium |
| WO2021227966A1 (en) * | 2020-05-09 | 2021-11-18 | 支付宝(杭州)信息技术有限公司 | Binding processing |
| CN112053161A (en) * | 2020-05-09 | 2020-12-08 | 支付宝(杭州)信息技术有限公司 | Binding processing method, device and equipment |
| CN112053161B (en) * | 2020-05-09 | 2022-11-11 | 支付宝(杭州)信息技术有限公司 | Binding processing method, device and equipment |
| CN111932245A (en) * | 2020-07-24 | 2020-11-13 | 中国银联股份有限公司 | Data processing method, device, equipment and medium |
| CN111932245B (en) * | 2020-07-24 | 2023-09-19 | 中国银联股份有限公司 | Data processing method, device, equipment and medium |
| CN111951016B (en) * | 2020-08-13 | 2023-09-15 | 中国工商银行股份有限公司 | Merchant agreement subscription storage method and device |
| CN111951016A (en) * | 2020-08-13 | 2020-11-17 | 中国工商银行股份有限公司 | Merchant protocol subscription storage method and device |
| CN112734562B (en) * | 2021-01-08 | 2023-12-19 | 泰康保险集团股份有限公司 | Signing system, method and computer readable storage medium |
| CN112734562A (en) * | 2021-01-08 | 2021-04-30 | 泰康保险集团股份有限公司 | Subscription system, method and computer readable storage medium |
| CN113079224A (en) * | 2021-03-19 | 2021-07-06 | 北京三快在线科技有限公司 | Account binding method and device, storage medium and electronic equipment |
| CN113128996A (en) * | 2021-05-11 | 2021-07-16 | 支付宝(杭州)信息技术有限公司 | Payment method, device and equipment |
| CN113393002A (en) * | 2021-05-12 | 2021-09-14 | 浙江吉利控股集团有限公司 | Network appointment order processing method, processing device, server and storage medium |
| CN113393002B (en) * | 2021-05-12 | 2023-07-14 | 浙江吉利控股集团有限公司 | Network about vehicle order processing method, processing device, server and storage medium |
| CN113709721A (en) * | 2021-08-30 | 2021-11-26 | 北京三快在线科技有限公司 | Resource transfer method, device, terminal and storage medium |
| CN113709721B (en) * | 2021-08-30 | 2022-04-05 | 北京三快在线科技有限公司 | Resource transfer method, device, terminal and storage medium |
| CN113807843B (en) * | 2021-09-06 | 2023-10-20 | 中国银联股份有限公司 | Card binding method, user terminal, server, system and storage medium |
| CN113807843A (en) * | 2021-09-06 | 2021-12-17 | 中国银联股份有限公司 | Card binding method, user terminal, server, system and storage medium |
| CN114255042A (en) * | 2021-12-27 | 2022-03-29 | 中国农业银行股份有限公司 | Secret payment-free signing method and device, computer equipment and medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN109993513A (en) | The methods, devices and systems of payment account binding bank card | |
| CN107147735B (en) | Distributed account book system based on hierarchical structure | |
| CN109257427A (en) | A kind of method for processing business and system based on block chain | |
| CN107993149A (en) | Account information management method, system and readable storage medium storing program for executing | |
| CN108154439A (en) | Asset data processing unit and method | |
| CN111738725B (en) | Cross-border resource transfer authenticity auditing method and device and electronic equipment | |
| JP6940609B2 (en) | Resource allocation method and equipment and electronic payment method | |
| KR20040037074A (en) | Financial transaction system and method using electronic messaging | |
| CN111861456A (en) | 5G message transfer transaction verification method, system and device based on block chain | |
| CN109598149A (en) | The method and apparatus of business processing | |
| CN110198265A (en) | Information processing method, system, device, equipment and medium | |
| CN109003185A (en) | A kind of method for building up, device, calculating equipment and the storage medium of intelligence contract | |
| CN105283890A (en) | Method and system for activating credentials | |
| CN109995710A (en) | A kind of lan device management system and method | |
| CN109034818A (en) | The method and device for generating payment label, being verified using payment label | |
| CN110363533A (en) | A kind of real-name authentication system and method | |
| CN111324661A (en) | User cooperation method, device and medium based on block chain | |
| CN104301293A (en) | Data processing method, device and system | |
| CN109491765A (en) | To the processing method and processing device of cross-domain service request | |
| CN111325585A (en) | Asset transfer method, device and computer readable storage medium | |
| CN109801053A (en) | A kind of system and method for unified binding bank card | |
| CN109754240A (en) | Method and system, payment platform and the bank's platform of payment platform binding bank card | |
| CN108650098A (en) | The method and device of User Defined verification mode | |
| CN104766202B (en) | Payment system, method of payment and information checking method | |
| WO2022206433A1 (en) | Method and apparatus for pre-executing chaincode in fabric blockchain |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |