CN112200564A - Virtual card generation and management method and device, electronic equipment and readable storage medium - Google Patents
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Abstract
The invention relates to the technical field of financial science and technology, in particular to a virtual card generation and management method and device, electronic equipment and a computer readable storage medium. The method comprises the following steps: determining the type of a virtual card to be generated; acquiring virtual card generation information from a target system matched with the type according to the type of the virtual card to be generated; the types of the virtual cards to be generated are different, and the corresponding systems are different; and generating the virtual card according to the virtual card generation information. The technical scheme disclosed by the application solves the problems that the existing entity information card is easy to lose and damage, reduces the card input cost and the management cost of an information card management enterprise, and improves the flexibility and the user experience of the information card.
Description
Technical Field
The invention relates to the technical field of financial science and technology, in particular to a virtual card generation and management method and device, electronic equipment and a readable storage medium.
Background
Most of information storage media issued by various organizations for users are entity cards, entity bank cards, identity cards, water cards, electric cards and the like, but the entity cards are easy to copy and lose, and the issuing cost and the management cost are high.
Disclosure of Invention
The present application aims to solve at least one of the above technical drawbacks. The technical scheme adopted by the application is as follows:
in a first aspect, an embodiment of the present application discloses a virtual card generation method, which is applied to an intelligent terminal, and the method includes:
determining the type of a virtual card to be generated;
acquiring virtual card generation information from a target system matched with the type according to the type of the virtual card to be generated; the types of the virtual cards to be generated are different, and the corresponding systems are different;
and generating the virtual card according to the virtual card generation information.
Optionally, the type of the virtual card includes: a bank card, an identification card or a passbook.
Optionally, when the virtual card type is a bank card, the obtaining of the virtual card generation information from the target system matched with the type includes:
and acquiring the card making file uploaded by the user from a bank management system of the virtual card to be generated.
In a second aspect, an embodiment of the present application discloses a virtual card management method, which is applied to an intelligent terminal, and the method includes:
receiving a management request of a user for the virtual card;
verifying the identity information and/or the authority information of the user;
and driving a process to execute the management request of the user to the virtual card according to the identity information and/or the authority information of the user.
Optionally, the management request includes, but is not limited to:
virtual card information inquiry, virtual card editing and virtual card information reading and writing; wherein the virtual card editing comprises: virtual card creation or virtual card deletion.
Optionally, the method further comprises:
receiving a calling request for virtual card interface equipment; the virtual card interface device is used for assisting the virtual card to establish communication connection with the virtual card management system;
and establishing communication connection with the interface equipment.
Optionally, the virtual card interface device includes: a physical interface device and a virtual interface device; wherein the entity interface device comprises an IC card reader-writer and/or a magnetic strip card reader-writer.
Optionally, when the interface device is an IC card reader, establishing a communication connection between the virtual card and the interface device includes:
the intelligent terminal for storing the virtual card comprises a radio frequency interface;
the intelligent terminal radio frequency interface is in communication connection with the IC card reader;
and the virtual card is in communication connection with the IC card reader.
Optionally, when the interface device is a magnetic stripe card reader, establishing a communication connection between the virtual card and the interface device includes:
the intelligent terminal for storing the virtual card comprises an electromagnetic coil;
the intelligent terminal electromagnetic coil is in communication connection with the magnetic stripe card reader;
and the virtual card is in communication connection with the magnetic stripe card reader.
Optionally, when the interface device is a virtual interface device, establishing a communication connection between the virtual card and the interface device includes:
the virtual card management module calls internally stored virtual interface equipment; or the like, or, alternatively,
the first terminal storing the virtual card establishes communication connection with the second terminal storing the virtual interface equipment;
and the virtual card and the virtual interface equipment establish communication connection through a communication link of the first terminal and the second terminal.
In a third aspect, an embodiment of the present application provides a virtual card generating apparatus, where the apparatus is applied to a smart terminal, and the apparatus includes: the device comprises a determining module, an interface module and a generating module; wherein the content of the first and second substances,
the determining module is used for determining the type of the virtual card to be generated;
the interface module is used for acquiring virtual card generation information from a target system matched with the type according to the type of the virtual card to be generated; the types of the virtual cards to be generated are different, and the corresponding systems are different;
and the generating module is used for generating the virtual card according to the virtual card generating information.
In a fourth aspect, an embodiment of the present application provides a virtual card management apparatus, where the apparatus is applied to a smart terminal, and the apparatus includes: an interface module, a verification module, and an execution module, wherein,
the interface module is used for receiving a management request of a user for the virtual card;
the verification module is used for verifying the identity information and/or the authority information of the user;
and the execution module is used for driving a process to execute the management request of the user to the virtual card according to the identity information and/or the authority information of the user.
Optionally, the device further comprises a communication module, wherein,
the interface module is used for receiving a calling request for the virtual card interface equipment; the virtual card interface device is used for assisting the virtual card to establish communication connection with the virtual card management system;
and the communication module is used for establishing communication connection between the virtual card and the interface equipment.
In a fifth aspect, an embodiment of the present application provides an electronic device, including a processor and a memory;
the memory is used for storing operation instructions;
the processor is configured to execute the method in any of the embodiments by calling the operation instruction.
In a sixth aspect, the present application provides a computer-readable storage medium, where a computer program is stored on the storage medium, and when the computer program is executed by a processor, the computer program implements the method of any one of the above embodiments.
The embodiment of the application provides a virtual card generation and management scheme, provides a scheme for virtualizing an entity information card in the prior art, and provides a management scheme for the virtual card.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings used in the description of the embodiments of the present application will be briefly described below.
Fig. 1 is a schematic flowchart of a virtual card generation method according to an embodiment of the present disclosure;
fig. 2 is a schematic flowchart of a virtual card management method according to an embodiment of the present application;
fig. 3 is a schematic diagram of a virtual card generating apparatus according to an embodiment of the present disclosure;
fig. 4 is a schematic diagram of a virtual card management apparatus according to an embodiment of the present disclosure;
fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
Detailed Description
Reference will now be made in detail to embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary only for the purpose of explaining the present application and are not to be construed as limiting the present invention.
It will be understood by those skilled in the art that, unless otherwise specified, the singular forms "a", "an", "the" and "the" may include the plural forms, and the plural forms "a", "an", "a", and "the" are merely intended to illustrate the object definition for clarity and do not limit the object itself, and certainly, the object definition for "a" and "an" may be the same terminal, device, user, etc., and may also be the same terminal, device, user, etc. It will be further understood that the terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof. As used herein, the term "and/or" includes all or any element and all combinations of one or more of the associated listed items.
In addition, it is to be understood that "at least one" in the embodiments of the present application means one or more, "a plurality" means two or more. "and/or" describes the association relationship of the associated objects, meaning that there may be three relationships, e.g., a and/or B, which may mean: a alone, both A and B, and B alone, where A, B may be singular or plural. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship. "at least one of the following" or similar expressions refer to any combination of these items, including any combination of the singular or plural items. For example, at least one (one) of a, b, or c, may represent: a, b, c, a and b, a and c, b and c, or a, b and c, wherein a, b and c can be single or multiple.
To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.
The following describes the technical solutions of the present application and how to solve the above technical problems with specific embodiments. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.
The following describes the technical solutions of the present application and how to solve the above technical problems with specific embodiments. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.
As introduced in the background art, most of the existing information cards are physical and some electronic virtual cards exist, but there are problems of complicated management and complicated calling with card interface devices, and based on this, the following embodiments of the present invention provide a virtual card generation and management method to solve at least one of the above drawbacks.
To more clearly describe the technical solution of the present application, the following describes some concepts, terms or systems that the following embodiments may relate to help understand the virtual card generation scheme disclosed in the present application:
information card interface apparatus: particularly, the device needs to read a real medium such as a bank card, a bankbook and an identity card in reality to acquire account information or identity card information to complete a customer transaction.
Medium: refers to an entity that can certify, record, and verify the content of an account. Such as debit cards, periodic deposit slips, bankbooks, identification cards, and the like.
SOA (service-oriented architecture): service oriented architecture, which is a component model that ties different functional units of an application (called services) through well-defined interfaces and contracts between these services. The interface is defined in a neutral manner and should be independent of the hardware platform, operating system and programming language in which the service is implemented. This allows services built into various such systems to interact in a uniform and versatile manner.
IC card: an integrated circuit card, also known as a Smart card, Microcircuit card or microchip card, etc. A microelectronic chip is embedded into a card base conforming to the ISO7816 standard to be made into a card form. The communication mode between the IC card and the reader/writer may be a contact type or a non-contact type. The IC card is classified into a contact type IC card, a non-contact type IC card, and a dual interface card according to a communication interface. The reading and writing of the data recorded in the IC card need corresponding password authentication, even each area in the card has different password protection, and the data security is comprehensively protected.
ARQC: (Authorization request cryptogram), Authorization request message, IC card for online processing transaction generated application cryptogram, card issuer in online card authentication process through checking ARQC to authenticate current card validity.
PBOC: (The peoples ' Bank of China), The People's Bank of China, called The central Bank for short, is a central Bank of The People's republic of China.
PBOC 2.0: the financial IC card is short for the second-generation financial IC card specification issued by the ministry of the ministry, and can effectively solve the risks of false card, offline transaction safety and the like existing in the use of the magnetic stripe card.
Fig. 1 shows a schematic flow diagram of virtual card generation provided in an embodiment of the present application, and as shown in fig. 1, the method mainly includes:
s101, determining the type of a virtual card to be generated; optionally, the type of the virtual card includes: a bank card, an identification card or a passbook.
S102, acquiring virtual card generation information from a target system matched with the type according to the type of the virtual card to be generated; the types of the virtual cards to be generated are different, and the corresponding systems are different;
s103, generating the virtual card according to the virtual card generation information.
In an optional embodiment, when the virtual card to be generated is an identity card, the intelligent terminal may go to the identity card management system to obtain information, and the implementation process of generating the identity card virtual card according to the obtained information includes: the second generation of identification card media requires the user to add or modify as desired. Therefore, firstly, the editing functions of manual addition, modification and the like of the second-generation identity card are provided, and all fields of the identity card are input and head portrait pictures are uploaded. In view of the test use scene of the second generation identity card, the identity card information that the user needs to enter often needs to be compared with the information stored in the application system library, and in order to improve the efficiency of medium entry, the module function is developed. After the user inputs the ID card number and name, the user clicks 'information extraction', the system automatically communicates with the application system, extracts other field contents and displays the contents on an editing interface for further editing and storing.
Optionally, when the virtual card type is a bank card, the obtaining of the virtual card generation information from the target system matched with the type includes: and acquiring the card making file uploaded by the user from a bank management system of the virtual card to be generated. The specific implementation process is as follows: the bank card medium is imported from a card making file obtained after the tester applies for card making. The card making files are divided into two types, and the file formats of the magnetic stripe card and the IC card are different. The card making files of a batch of magnetic stripe cards are written in one dat, one magnetic card is marked in one row, and the card number and the two-magnetic track information are analyzed from the one magnetic card. Each card number corresponds to a txt or xml file, the files are stored according to the specification of union pay PBOC2.0 or 3.0, taking txt as an example, each row is in TLV format, T (type) is a field name, L (Length) is a length, V (value) is a value, and the values are separated by a character "|", such as: 5A |10|6217000780061713757F |. And the line-by-line analysis stores the information of the IC card into a database.
Fig. 2 shows a schematic flowchart of virtual card management provided in an embodiment of the present application, and as shown in fig. 2, the method mainly includes:
s201, receiving a management request of a user to the virtual card;
s202, verifying the identity information and/or the authority information of the user;
s203, according to the identity information and/or the authority information of the user, driving a process to execute the management request of the user to the virtual card.
In an optional embodiment of the present application, the intelligent terminal is provided with a virtual card management system, and a front-end user interface of the virtual card management system may receive an operation instruction of a user to perform a management operation on a system, i.e., a virtual card. The management operation authority is different according to different login user authorities, namely roles are distributed to users, menus are configured for the roles so as to realize login systems of different users, displayed menu functions are not completely the same, common users only can inquire the virtual card, and advanced users, such as banking staff, have advanced operation authorities for importing and deleting the virtual card, so that the authority is controlled. For example, for a virtual bank card, only a virtual card one-key deletion function is opened for a high-level user, all virtual cards stored in a database are marked as test deletion by the virtual bank card one-key deletion function, and all virtual cards are invisible on an interface and are only used for background statistics. For the identity card virtual card, the identity card user is allowed to add the identity card by himself, and the deletion function is opened for the authorized user, but only the virtual identity card which is added by the user before is allowed to be deleted, and the cross deletion is not allowed.
In alternative embodiments of the present application, the management request includes, but is not limited to: virtual card information inquiry, virtual card editing and virtual card information reading and writing; wherein the virtual card editing comprises: virtual card creation or virtual card deletion. In the above embodiment, the editing management of the virtual card has been described, and the read-write management of the virtual card is described as an example below, and optionally, a bank tester is used as an example to test the virtual bank card, so that the management of the virtual card by the tester can create a timing task in the management system, actively communicate with the application system according to the account of the virtual card in a predetermined transaction day, and extract information such as the latest state, the name of the customer, the identification number, and the balance of the virtual card.
In the above embodiments, all communications follow the message specification of the application system, send an HTTP request message, intercept the content in the response message, and update the content to the virtual card management system.
In an alternative embodiment, the method further comprises:
receiving a calling request for virtual card interface equipment; the virtual card interface device is used for assisting the virtual card to establish communication connection with the virtual card management system;
and establishing communication connection with the interface equipment.
In an alternative embodiment, the virtual card interface apparatus includes: a physical interface device and a virtual interface device; wherein the entity interface device comprises an IC card reader-writer and/or a magnetic strip card reader-writer.
In an optional embodiment, when the interface device is an IC card reader, establishing a communication connection between the virtual card and the interface device includes:
the intelligent terminal for storing the virtual card comprises a radio frequency interface;
the intelligent terminal radio frequency interface is in communication connection with the IC card reader;
and the virtual card is in communication connection with the IC card reader.
In an optional embodiment, when the interface device is a magnetic stripe card reader, establishing a communication connection between the virtual card and the interface device includes:
the intelligent terminal for storing the virtual card comprises an electromagnetic coil;
the intelligent terminal electromagnetic coil is in communication connection with the magnetic stripe card reader;
and the virtual card is in communication connection with the magnetic stripe card reader.
In an optional embodiment, when the interface device is a virtual interface device, establishing a communication connection between the virtual card and the interface device includes:
the virtual card management module calls internally stored virtual interface equipment; or the like, or, alternatively,
the first terminal storing the virtual card establishes communication connection with the second terminal storing the virtual interface equipment;
and the virtual card and the virtual interface equipment establish communication connection through a communication link of the first terminal and the second terminal.
In an optional embodiment of the present application, the method for implementing virtualization of the interface device of the virtual card includes:
step 1, receiving a calling request for information card interface equipment;
before step 2, a peripheral calling request intercepting layer is added between an equipment driving layer and an equipment calling layer of an intelligent terminal system, whether service software uses virtual interface equipment is controlled through a configuration file, the embodiment of the application considers that the existing link in the current information card management enterprise and system service application is basically designed according to calling entity interface peripheral equipment, and the added peripheral calling request intercepting can be adapted or converted into the utilization of the virtual interface equipment at the minimum cost under the condition that the existing calling design link is not modified.
Step 2, mapping the calling request to a calling interface of a pre-configured virtual interface device; the virtual interface equipment is provided with a communication interface with an information card management system; in the embodiment of the application, the read-write function of the information card in the existing entity information card interface equipment is coded in a software mode to realize the operation functions of reading, writing, verifying and the like of the information card medium. Optionally, the virtual interface device and the real interface device implement interfaces with the same name, and the interface to the virtual interface device module is called through a mapping mechanism without modifying a code of a device adaptation layer.
Step 3, the calling interface of the virtual interface equipment receives the calling request and establishes communication connection with the information card;
in a second optional embodiment of the present application, the entity chip card comprises a printed antenna for supporting bluetooth and/or NFC functionality; the intelligent terminal comprises a Bluetooth module and/or an NFC antenna module; further, the establishing of the communication connection between the virtual interface device and the information card includes: and the virtual interface equipment calls a Bluetooth module and/or an NFC antenna module of the intelligent terminal to establish communication connection with the entity chip card.
Based on the virtual card generation method shown in fig. 1, in another aspect, an embodiment of the present application provides a virtual card generation apparatus, where the apparatus is applied to a smart terminal, and as shown in fig. 3, the apparatus may include: a 301 determining module, a 302 interface module and a 303 generating module; wherein the content of the first and second substances,
the 301 determining module is configured to determine a type of a virtual card to be generated;
the 302 interface module is used for acquiring virtual card generation information from a target system matched with the type according to the type of the virtual card to be generated; the types of the virtual cards to be generated are different, and the corresponding systems are different;
and the 303 generating module is used for generating the virtual card according to the virtual card generating information.
It is understood that the above-mentioned respective constituent devices of the virtual card generating apparatus in the present embodiment have functions of implementing the respective steps of the method in the embodiment shown in fig. 1. The function can be realized by hardware, and can also be realized by executing corresponding software by hardware. The hardware or software includes one or more modules or systems corresponding to the above-described functions. The modules and systems can be software and/or hardware, and the modules and systems can be realized independently or integrated by a plurality of modules and systems. For the functional description of each module and system, reference may be specifically made to the corresponding description of the method in the embodiment shown in fig. 1, and therefore, the beneficial effects that can be achieved by the method may refer to the beneficial effects in the corresponding method provided above, which are not described again here.
Based on the virtual card management method shown in fig. 2, another aspect of the present application provides a virtual card management apparatus, where the apparatus is applied to a smart terminal, and as shown in fig. 4, the apparatus may include: 401 interface module, 402 authentication module and 403 execution module, wherein,
the 401 interface module is configured to receive a management request of a user for the virtual card;
the 402 verification module is used for verifying the identity information and/or the authority information of the user;
and the 403 execution module is configured to drive a process to execute the management request of the user on the virtual card according to the identity information and/or the permission information of the user.
In an alternative embodiment of the present application, the device further comprises 403 a communication module, wherein,
the 401 interface module is used for receiving a calling request for the virtual card interface device; the virtual card interface device is used for assisting the virtual card to establish communication connection with the virtual card management system;
and the 403 communication module is used for establishing communication connection between the virtual card and the interface device.
It is to be understood that the above-mentioned respective constituent modules of the virtual card management apparatus in the present embodiment have functions of implementing the respective steps of the method in the embodiment shown in fig. 2. The function can be realized by hardware, and can also be realized by executing corresponding software by hardware. The hardware or software includes one or more modules or systems corresponding to the above-described functions. The modules and systems can be software and/or hardware, and the modules and systems can be realized independently or integrated by a plurality of modules and systems. For the functional description of each module and system, reference may be specifically made to the corresponding description of the method in the embodiment shown in fig. 2, and therefore, the beneficial effects that can be achieved by the method may refer to the beneficial effects in the corresponding method provided above, which are not described again here.
It is to be understood that the illustrated configuration of the embodiment of the present invention does not constitute a specific limitation to the specific configuration of the virtual card generation/management apparatus. In other embodiments of the present application, the virtual card generation/management apparatus may include more or fewer components than shown, or combine certain components, or split certain components, or a different arrangement of components. The illustrated components may be implemented in hardware, software, or a combination of software and hardware.
The embodiment of the application provides an electronic device, which comprises a processor and a memory;
a memory for storing operating instructions;
and the processor is used for executing the virtual card generation/management method provided by any embodiment of the application by calling the operation instruction.
As an example, fig. 5 shows a schematic structural diagram of an electronic device to which an embodiment of the present application is applicable, and as shown in fig. 5, the electronic device 500 includes: a processor 501 and a memory 503. Wherein the processor 501 is coupled to the memory 503, such as via the bus 502. Optionally, the electronic device 500 may also include a transceiver 504. It should be noted that the transceiver 504 is not limited to one in practical applications. It is to be understood that the illustrated structure of the embodiment of the invention does not constitute a specific limitation to the specific structure of the electronic device 500. In other embodiments of the present application, the electronic device 500 may include more or fewer components than shown, or combine certain components, or split certain components, or a different arrangement of components. The illustrated components may be implemented in hardware, software, or a combination of software and hardware. Optionally, the electronic device may further include a display screen 505 for displaying images or receiving operation instructions of a user as needed.
The processor 501 is applied to the embodiment of the present application, and is configured to implement the method shown in the foregoing method embodiment. The transceiver 504 may include a receiver and a transmitter, and the transceiver 504 is applied in the embodiments of the present application to implement the functions of the electronic device of the embodiments of the present application to communicate with other devices when executed.
The Processor 501 may be a CPU (Central Processing Unit), a general-purpose Processor, a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array) or other Programmable logic device, a transistor logic device, a hardware component, or any combination thereof. Which may implement or perform the various illustrative logical blocks, modules, and circuits described in connection with the disclosure. The processor 501 may also be a combination of implementing computing functionality, e.g., comprising one or more microprocessors, a combination of DSPs and microprocessors, and the like.
The processor 501 may operate the virtual card generation method provided in the embodiment of the present application, so as to reduce the operation complexity of the user, improve the intelligent degree of the terminal device, and improve the user experience. The processor 501 may include different devices, for example, when the CPU and the GPU are integrated, the CPU and the GPU may cooperate to execute the virtual card generation method provided in the embodiment of the present application, for example, part of algorithms in the virtual card generation method is executed by the CPU, and another part of algorithms is executed by the GPU, so as to obtain faster processing efficiency.
The Memory 503 may be a ROM (Read Only Memory) or other types of static storage devices that can store static information and instructions, a RAM (Random Access Memory) or other types of dynamic storage devices that can store information and instructions, an EEPROM (Electrically Erasable Programmable Read Only Memory), a CD-ROM (Compact disk), a high speed Random Access Memory, a non-volatile Memory such as at least one magnetic disk storage device, a flash Memory device, a universal flash Memory (UFS), or other optical disk storage, optical disk storage (including Compact disk, laser disk, optical disk, digital versatile disk, blu-ray disk, etc.), a magnetic disk storage medium or other magnetic storage devices, a magnetic disk storage medium, or other magnetic storage devices, Or any other medium which can be used to carry or store desired program code in the form of instructions or data structures and which can be accessed by a computer, but is not limited to such.
Optionally, the memory 503 is used for storing application program codes for executing the scheme of the present application, and is controlled by the processor 501 to execute. The processor 501 is configured to execute the application program code stored in the memory 503 to implement the virtual card generation method provided in any embodiment of the present application.
The memory 503 may be used to store computer-executable program code, which includes instructions. The processor 501 executes various functional applications of the electronic device 500 and data processing by executing instructions stored in the memory 503. The memory 503 may include a program storage area and a data storage area. Wherein, the storage program area can store the codes of the operating system and the application program, etc. The storage data area may store data created during use of the electronic device 500 (e.g., images, video, etc. captured by a camera application), and the like.
The memory 503 may also store one or more computer programs corresponding to the virtual card generation method provided in the embodiments of the present application. The one or more computer programs stored in the memory 503 and configured to be executed by the one or more processors 501 include instructions that may be used to perform the various steps in the respective embodiments described above.
Of course, the code of the virtual card generation method provided in the embodiment of the present application may also be stored in the external memory. In this case, the processor 501 may execute the code of the virtual card generation method stored in the external memory through the external memory interface, and the processor 501 may control the execution of the virtual card generation flow.
The display screen 505 includes a display panel. The display panel may be a Liquid Crystal Display (LCD), an organic light-emitting diode (OLED), an active-matrix organic light-emitting diode (active-matrix organic light-emitting diode, AMOLED), a flexible light-emitting diode (FLED), a miniature, a Micro-oeld, a quantum dot light-emitting diode (QLED), or the like. In some embodiments, the electronic device 500 may include 1 or N display screens 505, N being a positive integer greater than 1. The display screen 505 may be used to display information input by or provided to the user as well as various Graphical User Interfaces (GUIs). For example, the display screen 505 may display a photograph, video, web page, or file, etc.
The electronic device provided by the embodiment of the present application is applicable to any embodiment of the above method, and therefore, the beneficial effects that can be achieved by the electronic device can refer to the beneficial effects in the corresponding method provided above, and are not described again here.
The embodiment of the application provides a computer-readable storage medium, on which a computer program is stored, and when the program is executed by a processor, the virtual card generation method shown in the above method embodiment is implemented.
The computer-readable storage medium provided in the embodiments of the present application is applicable to any embodiment of the foregoing method, and therefore, the beneficial effects that can be achieved by the computer-readable storage medium can refer to the beneficial effects in the corresponding method provided above, and are not described herein again.
The embodiment of the present application further provides a computer program product, which when running on a computer, causes the computer to execute the above related steps to implement the method in the above embodiment. The computer program product provided in the embodiments of the present application is applicable to any of the embodiments of the method described above, and therefore, the beneficial effects that can be achieved by the computer program product can refer to the beneficial effects in the corresponding method provided above, and are not described herein again.
The embodiment of the application provides a virtual card generation and management scheme, provides a scheme for virtualizing an entity information card in the prior art, provides a management scheme for the virtual card, solves the problems that the entity information card is easy to lose and damage at present, reduces the card input cost and the management cost of an information card management enterprise, and improves the flexibility and the user experience of the information card.
In the several embodiments provided in the present application, it should be understood that the disclosed apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, a module or a unit may be divided into only one logical function, and may be implemented in other ways, for example, a plurality of units or components may be combined or integrated into another apparatus, or some features may be discarded or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
Units described as separate parts may or may not be physically separate, and parts displayed as units may be one physical unit or a plurality of physical units, may be located in one place, or may be distributed to a plurality of different places. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a readable storage medium. Based on such understanding, the technical solutions of the embodiments of the present application may be essentially or partially contributed to by the prior art, or all or part of the technical solutions may be embodied in the form of a software product, where the software product is stored in a storage medium and includes several instructions to enable a device (which may be a single chip, a chip, or the like) or a processor (processor) to execute all or part of the steps of the methods of the embodiments of the present application. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.
It should be understood that, although the steps in the flowcharts of the figures are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and may be performed in other orders unless explicitly stated herein. Moreover, at least a portion of the steps in the flow chart of the figure may include multiple sub-steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, which are not necessarily performed in sequence, but may be performed alternately or alternately with other steps or at least a portion of the sub-steps or stages of other steps.
The above description is only for the specific embodiments of the present application, but the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive of changes or substitutions within the technical scope of the present application, and can make several modifications and decorations, and these changes, substitutions, improvements and decorations should also be considered to be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (15)
1. A virtual card generation method is applied to an intelligent terminal and is characterized by comprising the following steps:
determining the type of a virtual card to be generated;
acquiring virtual card generation information from a target system matched with the type according to the type of the virtual card to be generated; the types of the virtual cards to be generated are different, and the corresponding systems are different;
and generating the virtual card according to the virtual card generation information.
2. The virtual card generation method according to claim 1, wherein the type of the virtual card includes: a bank card, an identification card or a passbook.
3. The virtual card generation method according to claim 1 or 2, wherein when the virtual card type is a bank card, the obtaining of the virtual card generation information from the target system matched with the type includes:
and acquiring the card making file uploaded by the user from a bank management system of the virtual card to be generated.
4. A virtual card management method is applied to an intelligent terminal, and is characterized in that the virtual card is the virtual card of the right 1-3, and the method comprises the following steps:
receiving a management request of a user for the virtual card;
verifying the identity information and/or the authority information of the user;
and driving a process to execute the management request of the user to the virtual card according to the identity information and/or the authority information of the user.
5. The virtual card management method of claim 4, wherein the management request includes but is not limited to:
virtual card information inquiry, virtual card editing and virtual card information reading and writing; wherein the virtual card editing comprises: virtual card creation or virtual card deletion.
6. The virtual card management method according to claim 5, wherein: the method further comprises the following steps:
receiving a calling request for virtual card interface equipment; the virtual card interface device is used for assisting the virtual card to establish communication connection with the virtual card management system;
and establishing communication connection with the interface equipment.
7. The virtual card management method according to claim 6, wherein: the virtual card interface apparatus includes: a physical interface device and a virtual interface device; wherein the entity interface device comprises an IC card reader-writer and/or a magnetic strip card reader-writer.
8. The virtual card generation method according to claim 7, characterized in that: when the interface device is an IC card reader, establishing a communication connection between the virtual card and the interface device includes:
the intelligent terminal for storing the virtual card comprises a radio frequency interface;
the intelligent terminal radio frequency interface is in communication connection with the IC card reader;
and the virtual card is in communication connection with the IC card reader.
9. The virtual card generation method according to claim 7, characterized in that: when the interface device is a magnetic stripe card reader, the establishing of the communication connection between the virtual card and the interface device comprises the following steps:
the intelligent terminal for storing the virtual card comprises an electromagnetic coil;
the intelligent terminal electromagnetic coil is in communication connection with the magnetic stripe card reader;
and the virtual card is in communication connection with the magnetic stripe card reader.
10. The virtual card generation method according to claim 5, characterized in that: when the interface device is a virtual interface device, establishing communication connection between the virtual card and the interface device includes:
the virtual card management module calls internally stored virtual interface equipment; or the like, or, alternatively,
the first terminal storing the virtual card establishes communication connection with the second terminal storing the virtual interface equipment;
and the virtual card and the virtual interface equipment establish communication connection through a communication link of the first terminal and the second terminal.
11. The utility model provides a virtual card generates device, is applied to intelligent terminal, its characterized in that, the device includes: the device comprises a determining module, an interface module and a generating module; wherein the content of the first and second substances,
the determining module is used for determining the type of the virtual card to be generated;
the interface module is used for acquiring virtual card generation information from a target system matched with the type according to the type of the virtual card to be generated; the types of the virtual cards to be generated are different, and the corresponding systems are different;
and the generating module is used for generating the virtual card according to the virtual card generating information.
12. A virtual card management device applied to an intelligent terminal is characterized by comprising an interface module, a verification module and an execution module, wherein,
the interface module is used for receiving a management request of a user for the virtual card;
the verification module is used for verifying the identity information and/or the authority information of the user;
and the execution module is used for driving a process to execute the management request of the user to the virtual card according to the identity information and/or the authority information of the user.
13. The virtual card management apparatus according to claim 12, further comprising a communication module, wherein,
the interface module is used for receiving a calling request for the virtual card interface equipment; the virtual card interface device is used for assisting the virtual card to establish communication connection with the virtual card management system;
and the communication module is used for establishing communication connection between the virtual card and the interface equipment.
14. An electronic device comprising a processor and a memory;
the memory is used for storing operation instructions;
the processor is used for executing the method of any one of claims 1-3 or 4-10 by calling the operation instruction.
15. A computer-readable storage medium, characterized in that the storage medium has stored thereon a computer program which, when being executed by a processor, carries out the method of any one of claims 1-3 or 4-10.
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| CN202011011036.1A CN112200564A (en) | 2020-09-23 | 2020-09-23 | Virtual card generation and management method and device, electronic equipment and readable storage medium |
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| CN202011011036.1A CN112200564A (en) | 2020-09-23 | 2020-09-23 | Virtual card generation and management method and device, electronic equipment and readable storage medium |
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