CN117455647A - Credit card application method, credit card application device, computer equipment and storage medium - Google Patents

Credit card application method, credit card application device, computer equipment and storage medium Download PDF

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Publication number
CN117455647A
CN117455647A CN202311228184.2A CN202311228184A CN117455647A CN 117455647 A CN117455647 A CN 117455647A CN 202311228184 A CN202311228184 A CN 202311228184A CN 117455647 A CN117455647 A CN 117455647A
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China
Prior art keywords
credit card
universe
card application
application request
target user
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CN202311228184.2A
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Chinese (zh)
Inventor
王舒漫
徐炟
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Bank of China Ltd
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Bank of China Ltd
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Priority to CN202311228184.2A priority Critical patent/CN117455647A/en
Publication of CN117455647A publication Critical patent/CN117455647A/en
Pending legal-status Critical Current

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    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F40/00—Handling natural language data
    • G06F40/10—Text processing
    • G06F40/12—Use of codes for handling textual entities
    • G06F40/151—Transformation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F40/00—Handling natural language data
    • G06F40/10—Text processing
    • G06F40/166—Editing, e.g. inserting or deleting
    • G06F40/186—Templates

Abstract

The present application relates to a credit card application method, apparatus, computer device, storage medium and computer program product. The method comprises the following steps: receiving a first credit card application request aiming at a first universe sent by a terminal, wherein the first credit card application request is triggered by a target user in the first universe; responding to the first credit card application request, converting the first credit card application request through a conversion template of the first universe under the condition that the first universe is determined to be accessed to the management server, obtaining a second credit card application request matched with the first universe, and sending the second credit card application request to the first universe; after the first universe responds to the second credit card application request to determine that the credit card application passes and stores the credit card information corresponding to the target user, the credit card information corresponding to the target user is acquired from the first universe, and the credit card information corresponding to the target user is sent to the second universe. The credit card application efficiency is improved by adopting the method.

Description

Credit card application method, credit card application device, computer equipment and storage medium
Technical Field
The present application relates to the field of meta-space technology, and in particular, to a credit card application method, apparatus, computer device, storage medium, and computer program product.
Background
With the development of metauniverse technology, a metauniverse credit card is generated, and is a virtual credit card which can be used in metauniverse. For example, a metauniverse credit card may be used for consumption when a user needs to purchase goods in the metauniverse.
In the traditional technology, a user can apply for a meta-universe credit card through an official platform corresponding to the relevant meta-universe, wait for a period of time after performing personal real-name authentication and submitting personal information and other data, and can use the credit card under the condition of passing the audit.
However, there is no way to communicate between the different metauniverse and between the metauniverse and the real world credit card application system, and the credit card application efficiency is low.
Disclosure of Invention
In view of the foregoing, it is desirable to provide a credit card application method, apparatus, computer device, computer-readable storage medium, and computer program product that can improve the efficiency of applying for credit cards.
In a first aspect, the present application provides a credit card application method. Comprising the following steps: receiving a first credit card application request aiming at a first universe sent by a terminal, wherein the first credit card application request is triggered by a target user in the first universe; responding to the first credit card application request, converting the first credit card application request through a conversion template of the first universe under the condition that the first universe is determined to be accessed to the management server, obtaining a second credit card application request matched with the first universe, and sending the second credit card application request to the first universe; after the first universe responds to the second credit card application request to determine that the credit card application passes and store the credit card information corresponding to the target user, the credit card information corresponding to the target user is acquired from the first universe, and the credit card information corresponding to the target user is sent to the second universe.
In a second aspect, the present application also provides a credit card application device. Comprising the following steps:
the credit card application receiving module is used for receiving a first credit card application request aiming at a first universe sent by the terminal, wherein the first credit card application request is triggered by a target user in the first universe;
the credit card application sending module is used for responding to the first credit card application request, converting the first credit card application request through a conversion template of the first universe under the condition that the first universe is determined to be accessed to the management server, obtaining a second credit card application request matched with the first universe, and sending the second credit card application request to the first universe;
and the credit card information sending module is used for acquiring the credit card information corresponding to the target user from the first universe after the first universe responds to the second credit card application request to determine that the credit card application passes and stores the credit card information corresponding to the target user, and sending the credit card information corresponding to the target user to the second universe.
In some embodiments, the apparatus further includes an inquiry information sending module, configured to, in response to the first credit card application request, return, to the terminal, credit card application inquiry information for the second universe, in a case where the target user is determined to be a user in the second universe, the credit card inquiry information being used to inquire whether to agree to apply for a credit card in the second universe; receiving a first inquiry result triggered by credit card inquiry information returned by the terminal; under the condition that the first inquiry result is that the credit card application in the second universe is agreed, converting the first credit card application request through a conversion template of the second universe to obtain a third credit card application request matched with the second universe; a third credit card application request is sent to the second universe.
In some embodiments, the apparatus further includes a registration inquiry information sending module, configured to, in response to the first credit card application request, return registration inquiry information for the second universe to the terminal in a case where it is determined that the target user is not a user in the second universe, the registration inquiry information being used to inquire whether to register the account in the second universe; receiving a second query result triggered by the registration query information returned by the terminal; under the condition that the second query result is agreement to register, acquiring registration information of the target user, and sending a registration request carrying the registration information to a second universe; after receiving the registration success information returned by the second universe, the credit card application inquiry information aiming at the second universe is returned to the terminal.
In some embodiments, the credit card application sending module is further configured to send the credit card information corresponding to the target user to the second universe, when receiving the fourth credit card application request triggered by the target user, to perform request processing on the fourth credit card application request based on the credit card information corresponding to the target user.
In some embodiments, the apparatus further includes a credit card application conversion module configured to obtain an intelligent contract corresponding to the conversion template of the first universe; and executing the intelligent contract to convert the first credit card application request according to the conversion template of the first universe to obtain a second credit card application request matched with the first universe.
In some embodiments, the credit card application transmitting module is further configured to transmit the first credit card application request in the form of a 5G message.
In a third aspect, the present application also provides a computer device. The computer device comprises a memory storing a computer program and a processor implementing the steps of the credit card application method described above when the processor executes the computer program.
In a fourth aspect, the present application also provides a computer-readable storage medium. The computer readable storage medium has stored thereon a computer program which, when executed by a processor, implements the steps of the credit card application method described above.
In a fifth aspect, the present application also provides a computer program product. The computer program product comprises a computer program which, when executed by a processor, implements the steps of the credit card application method described above.
The credit card application method, the apparatus, the computer device, the storage medium and the computer program product are characterized in that a first credit card application request for a first universe sent by a terminal is received, the first credit card application request is triggered by a target user in the first universe, the first credit card application request is converted through a conversion template of the first universe under the condition that the first universe is determined to be accessed to a management server, a second credit card application request matched with the first universe is obtained, the second credit card application request is sent to the first universe, after the first universe responds to the second credit card application request, the credit card application request passes through and the credit card information corresponding to the target user is stored, the credit card information corresponding to the target user is obtained from the first universe, and the credit card information corresponding to the target user is sent to the second universe. The method realizes the intercommunication between different metauniverse and between the metauniverse and a real-world credit card application system, and improves the credit card application efficiency.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the related art, the drawings that are required to be used in the embodiments or the related technical descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and other drawings may be obtained according to the drawings without inventive effort for a person having ordinary skill in the art.
FIG. 1 is a diagram of an application environment for a credit card application method in one embodiment;
FIG. 2 is a flow chart of a method of credit card application in one embodiment;
FIG. 3 is a flow chart of a method of applying for a credit card according to another embodiment;
FIG. 4 is a block diagram of a credit card application device in one embodiment;
FIG. 5 is an internal block diagram of a computer device in one embodiment;
fig. 6 is an internal structural view of a computer device in another embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail with reference to the accompanying drawings and examples. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the present application.
The credit card application method provided by the embodiment of the application can be applied to an application environment shown in fig. 1. The application environment includes a terminal 102, a management server 104, a first server 106, and a second server 108. Wherein the terminal 102, the management server 104, the first server 106, and the second server 108 communicate over a network. The data storage system may store data that the management server 104 needs to process. The data storage system may be integrated on the management server 104 or may be located on the cloud or other network server. The terminal 102 has the ability to access the meta-universe. The first server 106 is a server corresponding to the first universe, the first server 106 is used for bearing the first universe, that is, the first server 106 may be deployed with the first universe, the second server 108 is a server corresponding to the second universe, the second server 108 is used for bearing the second universe, and the second server 108 may be deployed with the second universe.
Specifically, the 5G message is an upgrade of a short message service, which is a basic telecommunication service of an operator. The 5G message interface is used for sending and receiving 5G messages, wherein an identity authentication interface can be displayed. The terminal 102 displays a 5G message interface corresponding to the financial platform, and performs identity authentication on the user in response to the identity authentication operation of the target user triggered on the 5G message interface. The terminal 102 displays a 5G message interface corresponding to the financial platform, and responds to a first credit card application request operation aiming at a first universe triggered by the 5G message interface to acquire an identifier of the first universe and credit card application information carried in the first credit card application request. The terminal 102 sends a first credit card application request triggered by a target user in a first universe to the management server 104. When it is determined that the first universe has been accessed, the management server 104 converts the first credit card application request through a conversion template corresponding to the first universe, and obtains a second credit card application request matched with the first universe. The management server 104 sends a second credit card application request to the first universe. The first server 106 responds to the second credit card application request, determines that the second credit card application request passes, stores the credit card information corresponding to the target user, and returns the credit card information corresponding to the target user to the management server 104. The management server 104 transmits credit card information corresponding to the target user to the second server 108. The management server 104 belongs to a financial platform, which is an online service platform used by financial institutions. Financial institutions include, but are not limited to, banks, securities companies, financial companies, and the like.
The terminal 102 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, internet of things devices, and portable wearable devices, where the internet of things devices may be smart speakers, smart televisions, smart air conditioners, smart vehicle devices, and the like. The portable wearable device may be a smart watch, smart bracelet, headset, or the like. The management server 104, the first server 106, and the second server 108 may each be implemented as a separate server or as a server cluster of multiple servers.
In an exemplary embodiment, as shown in fig. 2, a credit card application method is provided, and the method is applied to the management server 104 in fig. 1 for illustration, and includes the following steps 202 to 206. Wherein:
step 202, a first credit card application request for a first universe sent by a terminal is received, wherein the first credit card application request is triggered by a target user in the first universe.
Wherein the meta universe is a virtual world constructed by digital technology that can interact with the real world. The first credit card application request is used for applying for credit cards in the first universe, wherein the credit cards in the universe are virtual credit cards, and the credit cards in the universe are used for carrying out consumption payment, credit loan, account transfer settlement and the like in the universe. The target user is a user in the first universe. The first credit card application request is triggered by the target user at the terminal, and the first credit card application request can carry the identification of the first universe and credit card application information. The credit card application information includes at least one of identity information, bank running water, and the like.
Specifically, the terminal sends a first credit card application request for the first universe to the management server in response to a target user trigger in the first universe.
In some embodiments, a target user logs in a client of a first universe through authentication, after successful login, presents an interface of the first universe, and sends a first credit card application request for the first universe to a management server in response to a credit card application operation triggered by the interface of the first universe.
In some embodiments, the terminal presents a 5G message interface corresponding to the financial platform, and sends a first credit card application request for the first universe to the management server in response to a credit card application operation for the first universe triggered by the 5G message interface, the first credit card application request being sent in the form of a 5G message. Specifically, the terminal may display a metauniverse selection interface on the 5G message interface, display at least one item of metauniverse in the metauniverse selection interface, where the at least one metauniverse includes a first metauniverse, update a state of the item of the first metauniverse to a selected state in response to a selection operation for the displayed item of the first metauniverse, and display a credit card application control on the metauniverse selection interface, where the terminal sends a first credit card application request for the first metauniverse to the management server in response to a trigger operation for the credit card application control. The triggering operation includes, but is not limited to, at least one of clicking, double clicking, sliding. The terminal may further display a filling area of the credit card application information on the 5G message interface, and in case that the state of the option of the first universe is the selected state, the terminal obtains the credit card application information input in the filling area, and responds to the triggering operation for the credit card application control, sends the first credit card application request carrying the identification of the first universe and the input credit card application information to the management server.
Step 204, in response to the first credit card application request, in the case that it is determined that the first universe has been accessed to the management server, converting the first credit card application request through a conversion template of the first universe to obtain a second credit card application request matched with the first universe, and sending the second credit card application request to the first universe.
Wherein the conversion template is a protocol containing preconfigured rules including, but not limited to, conversion rate between virtual resources of the metauniverse and real world financial systems, identity information conversion rules.
Specifically, after the terminal sends the first credit card application request to the management server, the management server may determine whether the first universe has been accessed to the management server, and if it is determined that the first universe has been accessed to the management server, the management server converts the first credit card application request through a conversion template of the first universe, and converts the first credit card application request into a form matched with the first universe, so as to obtain the second credit card application request. The management server sends a second credit card application request to the first server.
In some embodiments, the management server stores a metauniverse list, searches the metauniverse list for a first metauniverse, and in the case of the search, the management server converts the first credit card application request through a conversion template of the first metauniverse. And in the case of no search, the first server requests to access the management server. The management server stores an intelligent contract for checking whether the meta universe meets the access requirements. The management server receives an access request sent by the first server, responds to the access request, executes the intelligent contract, obtains an execution result, and determines whether the access requirement is met according to the execution result. And if the first universe meets the access requirement, the management server agrees to the first universe access, and adds the first universe into the universe list. And if the first universe does not meet the access requirement, sending a message for rejecting access to the first server. The intelligent contract can be configured when different meta-universe applications access the management server, the roles of a custodian, a custodian agent, a CCP and the like are born by the intelligent contract, the CCP is totally named as Central Counterparty, and the CCP refers to a central opponent, also called as a co-opponent, and is a slow-release means of credit risks realized by a professional clearing institution. The intelligent contract can support application and approval parameters and other information of different card types.
In some embodiments, the first credit card application request further carries identity information of the target user in the real world, and the identity information of the target user in the real world is converted into the identity information of the target user in the first universe through the identity information conversion rule in the conversion template. Taking sending a credit card application request to the first universe as an example, the application amount triggered by the terminal is a universal resource of the real world financial system, and the universal resource in the real world financial system is converted into a virtual resource conforming to the rule of the first universe by converting the conversion rate between the virtual resource of the first universe and the real world financial system included in the conversion template.
In some embodiments, the management server writes JAVA code to convert the first credit card application sent by the target user through the conversion template and then notify the first universe.
And step 206, after the first universe responds to the second credit card application request to determine that the credit card application passes and store the credit card information corresponding to the target user, acquiring the credit card information corresponding to the target user from the first universe, and transmitting the credit card information corresponding to the target user to the second universe.
Wherein the credit card information includes, but is not limited to, at least one of card transaction data information or stream information of the target user.
Specifically, after the management server sends the second credit card application request to the first server, the first server responds to the second credit card application request to determine whether the credit card application meets the credit card application condition, and if so, the management server processes the corresponding credit card for the target user and returns a message indicating that the credit card is processed successfully to the management server. After receiving the message indicating that the credit card has been successfully transacted, the management server returns the message indicating that the credit card has been successfully transacted to the terminal, and the management server may further transmit credit card information corresponding to the target user to the second server. If not, a message indicating a credit card transaction failure is returned to the management server. After receiving the message indicating the credit card processing failure, the management server returns the message indicating the credit card processing failure to the terminal.
In the credit card application method, the management server receives a first credit card application request aiming at a first universe sent by the terminal, the first credit card application request is triggered by a target user in the first universe, the first credit card application request is converted through a conversion template of the first universe under the condition that the first universe is determined to be accessed to the management server, a second credit card application request matched with the first universe is obtained, the second credit card application request is sent to the first universe, after the first universe responds to the second credit card application request, the credit card application request passes through and stores credit card information corresponding to the target user, the credit card information corresponding to the target user is obtained from the first universe, and the credit card information corresponding to the target user is sent to the second universe. The method realizes the intercommunication between different metauniverse and between the metauniverse and a real-world credit card application system, and improves the credit card application efficiency.
In one exemplary embodiment, as shown in FIG. 3, the credit card application method further includes steps 302 through 308. Wherein:
in response to the first credit card application request, in step 302, in the case where it is determined that the target user is a user in the second universe, credit card application inquiry information for the second universe is returned to the terminal, the credit card inquiry information being used to inquire whether to agree to apply for a credit card in the second universe.
Wherein the second meta-universe is independent of another meta-universe other than the first meta-universe. The credit card application inquiry information is inquiry information transmitted from the management server to the terminal for inquiring whether the target user needs to apply for a credit card in the second universe, in the case where the target user has become the second universe user.
Specifically, the management server inquires, in response to a first credit card application request sent by the terminal, if the target user is already a user in the second universe, credit card application inquiry information for the second universe sent to the terminal, and inquires whether the target user needs to apply for a credit card in the second universe.
And step 304, receiving a first inquiry result triggered by the credit card inquiry information returned by the terminal.
Wherein the first query result is one of consent or disagreement.
Specifically, the target user receives the credit card application inquiry information at the terminal, and the following results exist, but are not limited to: the credit card is applied in the second universe, and the credit card is applied in the second universe.
In some embodiments, the credit card application query information is a 5G message, the terminal may display the credit card application query information in a 5G message interface, and the displayed credit card application query information may include an approval control and a rejection control, and if a first query result indicating approval is generated in response to the approval control, the terminal applies for the credit card in the second universe for the target user. If, in response to the rejection control, a first query result is generated indicating rejection, the credit card is not applied in the second universe for the target user.
And 306, converting the first credit card application request through a conversion template of the second universe to obtain a third credit card application request matched with the second universe when the first query result is that the credit card application in the second universe is agreed.
The third credit card application request is obtained by converting the first credit card application request by the management server through a conversion template of the second universe, the first credit card application request is aimed at the second universe, and the third credit card application request carries the identification of the second universe and credit card application information.
Specifically, when the first query result sent by the terminal to the management server is consent, the management server converts the first credit card application request by using the conversion template of the second universe to obtain a third credit card application request, and the third credit card application request is matched with the second universe.
In some embodiments, when the first query result sent by the terminal to the management server is disagreement, the management server does not perform the operation of converting the first credit card application request.
Step 308, a third credit card application request is sent to the second universe.
Specifically, when the first query result sent by the terminal to the management server is consent, the management server sends a third credit card application request obtained through conversion according to the conversion template of the second universe to the second universe.
In this embodiment, by inquiring whether or not the target user who is already the second universe user is to apply for a credit card in the second universe, the first credit card application request can be converted into a form matching the second universe, thereby quickly applying for a credit card of the second universe.
In some embodiments, in response to the first credit card application request, in the event that it is determined that the target user is not a user in the second universe, returning registration inquiry information for the second universe to the terminal, the registration inquiry information being used to inquire whether to register the account number in the second universe; receiving a second query result triggered by the registration query information returned by the terminal; and under the condition that the second inquiry result is agreement registration, acquiring registration information of the target user, sending a registration request carrying the registration information to the second universe, and after receiving registration success information returned by the second universe, returning credit card application inquiry information aiming at the second universe to the terminal.
The registration inquiry information is information sent to the terminal by the management server, and is used for inquiring whether the target user needs to register the account number in the second universe. The second query result is a result obtained after the management server transmits registration query information to the terminal. Registering the query information may correspond to, but is not limited to, one of the following: the account number is agreed to be registered in the second universe, and the account number is not agreed to be registered in the second universe. The registration information is information such as identity information input by a target user on a 5G message interface corresponding to the terminal display financial platform. The registration request is a request carrying registration information, and is sent by the terminal to the management server, and then sent by the management server to the second server. The registration success information is information sent to the management server by the second server after the registration is successful.
Specifically, the terminal sends a first credit card application request to the management server, and when the management server judges that the target user is not a user in the second universe, the management server sends registration inquiry information aiming at the second universe to the terminal to inquire whether the target user registers an account in the second universe. And after the target user operates, returning a second query result to the management server.
In some embodiments, the registration inquiry information may be sent via a 5G message. The terminal may present a registration inquiry information interface on the 5G message interface, where the presented registration inquiry information may include an agreeing control and a rejecting control. In response to the consent control, a user registration interface is presented at the 5G message interface to enable the target user to enter registration information in the user registration interface. And responding to the user registration information, and returning a second query result to the management server as agreeing to register the account number. And the management server sends the credit card application inquiry information aiming at the second universe to the terminal under the condition that the registration account number is determined to be successful, and inquires whether the target user needs to apply for the credit card of the second universe. And responding to the rejection control, returning a second query result to the management server to reject the registration account, and enabling the management server not to register the account in the second universe for the target user.
In this embodiment, the account number is registered in the second universe for the target user, so that the target user can be queried whether to apply for the credit card of the second universe, and the credit card application efficiency is improved.
In some embodiments, the credit card information corresponding to the target user is used for enabling the second universe to perform request processing on the fourth credit card application request based on the credit card information corresponding to the target user when the fourth credit card application request triggered by the target user is received.
The fourth credit card application request is an application request converted by the conversion template of the second universe, and the form of the fourth credit card application request is matched with the second universe. The request is processed to either transact a credit card or refuse to transact a credit card.
Specifically, after the terminal sends the third credit card application request to the management server, the management server may determine whether the second universe has been accessed to the management server. And under the condition that the second universe is determined to be accessed to the management server, the management server converts the third credit card application request through a conversion template of the second universe, converts the third credit card application request into a form matched with the second universe, and obtains a fourth credit card application request. The management server transmits a fourth credit card application request to the second universe.
In some embodiments, the terminal presents a 5G message interface corresponding to the financial platform, and sends a third credit card application request for the second universe to the management server in response to a credit card application operation for the second universe triggered by the 5G message interface, the third credit card application request being sent in the form of a 5G message. Specifically, the terminal may display a metauniverse selection interface on the 5G message interface, display at least one item of metauniverse in the metauniverse selection interface, where the at least one metauniverse includes a second metauniverse, update a state of the item of the first metauniverse to a selected state in response to a selection operation for the displayed item of the second metauniverse, and display a credit card application control on the metauniverse selection interface, where the terminal sends a third credit card application request for the second metauniverse to the management server in response to a trigger operation for the credit card application control. The triggering operation includes, but is not limited to, at least one of clicking, double clicking, sliding. The terminal may further display a filling area of the credit card application information on the 5G message interface, and in the case that the state of the option of the second universe is the selected state, the terminal obtains the credit card application information input into the filling area, and responds to the triggering operation for the credit card application control, sends a third credit card application request carrying the identification of the second universe and the input credit card application information to the management server.
In some embodiments, the management server stores a metauniverse list, searches for a second metauniverse in the metauniverse list, and in the case of the search, the management server converts the third credit card application request through a conversion template of the second metauniverse. And if not, the second server requests to access the management server. The management server stores an intelligent contract for checking whether the meta universe meets the access requirements. The management server receives an access request sent by the second server, responds to the access request, executes the intelligent contract, obtains an execution result, and determines whether the access requirement is met according to the execution result. And if the second universe meets the access requirement, the management server agrees to the second universe access, and the second universe is added into the meta universe list. And if the second universe does not meet the access requirement, sending a message for rejecting access to the second server.
In some embodiments, after receiving the fourth credit card application request, the second server performs risk assessment on credit card application information carried in the fourth credit card application request and credit card information corresponding to the target user to obtain a risk level to which the target user belongs, and in a case that the risk level to which the target user belongs is higher than a preset risk level, the second server rejects the fourth credit card application request. And under the condition that the risk level of the target user is lower than the preset risk level, the second transacting credit card for the target user in the second universe. The risk level to which the target user belongs is higher than a preset risk level, for example, the risk assessment result is that the risk is higher or the credit is worse. The risk level to which the target user belongs is lower than a preset risk level, for example, the risk assessment result is that the risk is lower or the credit is good.
In this embodiment, by performing risk assessment on the credit card information and the credit card application information corresponding to the target user, it can be determined whether the target user meets the condition of transacting the credit card in the second universe, thereby reducing the trust risk.
In some embodiments, converting the first credit card application request with the conversion template of the first universe to obtain a second credit card application request matching the first universe includes: acquiring an intelligent contract corresponding to a conversion template of a first universe; and executing the intelligent contract to convert the first credit card application request according to the conversion template of the first universe to obtain a second credit card application request matched with the first universe.
The intelligent contract is a protocol for converting a form of a first credit card application request sent from the terminal in the management server into a form which can be processed by the first server.
Specifically, the management server acquires the intelligent contract corresponding to the conversion template of the first universe, so that the intelligent contract can be directly called after the target user sends the first credit card application request. Under the condition that the target user sends the first credit card application request, the management server executes an intelligent contract corresponding to the conversion template of the first universe, and converts the first credit card application request into a form matched with the first universe, so as to obtain a second credit card application request.
In some embodiments, the management server completes the formulation of the intelligent contract by writing an XML file, and can support application and approval parameters from different meta-universe.
In this embodiment, the first credit card application request can be converted into the second credit card application request matched with the first universe through the intelligent contract corresponding to the conversion template of the first universe, so that the credit card application efficiency is improved.
In some embodiments, the first credit card application request is sent in the form of a 5G message.
The 5G message is the upgrade of the short message service, and is a basic telecommunication service of an operator. The 5G message interface is used for sending and receiving 5G messages, wherein an identity authentication interface can be displayed.
Specifically, the terminal sends a first credit card application request to the management server, the first credit card application request being in the form of a 5G message.
In some embodiments, the management server supports the sending and receiving of 5G messages by writing JAVA code.
In this embodiment, the first credit card application request is sent in the form of a 5G message, so that the credit card application efficiency is improved.
It should be understood that, although the steps in the flowcharts related to the embodiments described above are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.
Based on the same inventive concept, the embodiment of the application also provides a credit card application device for realizing the credit card application method. The implementation of the solution provided by the device is similar to that described in the above method, so the specific limitations in the embodiments of the credit card application device or devices provided below may be referred to above for the limitations of the credit card application method, and will not be repeated here.
In one exemplary embodiment, as shown in fig. 4, there is provided a credit card application device including: a credit card application receiving module 402, a credit card application transmitting module 404, and a credit card information transmitting module 406, wherein:
a credit card application receiving module 402, configured to receive a first credit card application request for a first universe sent by a terminal, where the first credit card application request is triggered by a target user in the first universe;
the credit card application sending module 404 is configured to respond to the first credit card application request, and in case that it is determined that the first universe has been accessed to the management server, convert the first credit card application request through a conversion template of the first universe to obtain a second credit card application request matched with the first universe, and send the second credit card application request to the first universe;
The credit card information sending module 406 is configured to obtain, after the first universe responds to the second credit card application request to determine that the credit card application passes and store the credit card information corresponding to the target user, the credit card information corresponding to the target user from the first universe, and send the credit card information corresponding to the target user to the second universe.
In some embodiments, the apparatus further includes an inquiry information sending module, configured to, in response to the first credit card application request, return, to the terminal, credit card application inquiry information for the second universe, in a case where the target user is determined to be a user in the second universe, the credit card inquiry information being used to inquire whether to agree to apply for a credit card in the second universe; receiving a first inquiry result triggered by credit card inquiry information returned by the terminal; under the condition that the first inquiry result is that the credit card application in the second universe is agreed, converting the first credit card application request through a conversion template of the second universe to obtain a third credit card application request matched with the second universe; a third credit card application request is sent to the second universe.
In some embodiments, the apparatus further includes a registration inquiry information sending module, configured to, in response to the first credit card application request, return registration inquiry information for the second universe to the terminal in a case where it is determined that the target user is not a user in the second universe, the registration inquiry information being used to inquire whether to register the account in the second universe; receiving a second query result triggered by the registration query information returned by the terminal; under the condition that the second query result is agreement to register, acquiring registration information of the target user, and sending a registration request carrying the registration information to a second universe; after receiving the registration success information returned by the second universe, the credit card application inquiry information aiming at the second universe is returned to the terminal.
In some embodiments, the credit card application sending module 404 is further configured to send credit card information corresponding to the target user, and is configured to enable the second universe to perform, when receiving the fourth credit card application request triggered by the target user, request processing on the fourth credit card application request based on the credit card information corresponding to the target user.
In some embodiments, the apparatus further includes a credit card application conversion module configured to obtain an intelligent contract corresponding to the conversion template of the first universe; and executing the intelligent contract to convert the first credit card application request according to the conversion template of the first universe to obtain a second credit card application request matched with the first universe.
In some embodiments, the credit card application transmitting module 404 is further configured to transmit the first credit card application request in the form of a 5G message.
The respective modules in the above-described credit card application device may be implemented in whole or in part by software, hardware, and a combination thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.
In one exemplary embodiment, a computer device is provided, which may be a server, the internal structure of which may be as shown in fig. 5. The computer device includes a processor, a memory, an Input/Output interface (I/O) and a communication interface. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface is connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is for storing session data. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a credit card application method.
In an exemplary embodiment, a computer device, which may be a terminal, is provided, and an internal structure diagram thereof may be as shown in fig. 6. The computer device includes a processor, a memory, an input/output interface, a communication interface, a display unit, and an input means. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface, the display unit and the input device are connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless mode can be realized through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. The computer program is executed by a processor to implement a credit card application method. The display unit of the computer device is used for forming a visual picture, and can be a display screen, a projection device or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, can also be a key, a track ball or a touch pad arranged on the shell of the computer equipment, and can also be an external keyboard, a touch pad or a mouse and the like.
It will be appreciated by those skilled in the art that the structures shown in fig. 5 and 6 are block diagrams of only portions of structures that are relevant to the present application and are not intended to limit the computer device on which the present application may be implemented, and that a particular computer device may include more or fewer components than shown, or may combine certain components, or have a different arrangement of components.
In an exemplary embodiment, a computer device is provided, comprising a memory and a processor, the memory having stored therein a computer program, the processor performing the steps of the method embodiments described above when the computer program is executed.
In an exemplary embodiment, a computer-readable storage medium is provided, on which a computer program is stored, which computer program, when being executed by a processor, carries out the steps of the method embodiments described above.
In an exemplary embodiment, a computer program product is provided, comprising a computer program which, when executed by a processor, implements the steps of the method embodiments described above.
It should be noted that, the user information (including, but not limited to, user equipment information, user personal information, etc.) and the data (including, but not limited to, data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use, and processing of the related data are required to meet the related regulations.
Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the various embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high density embedded nonvolatile Memory, resistive random access Memory (ReRAM), magnetic random access Memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric Memory (Ferroelectric Random Access Memory, FRAM), phase change Memory (Phase Change Memory, PCM), graphene Memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in the form of a variety of forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), and the like. The databases referred to in the various embodiments provided herein may include at least one of relational databases and non-relational databases. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic units, quantum computing-based data processing logic units, etc., without being limited thereto.
The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.
The above examples only represent a few embodiments of the present application, which are described in more detail and are not to be construed as limiting the scope of the present application. It should be noted that it would be apparent to those skilled in the art that various modifications and improvements could be made without departing from the spirit of the present application, which would be within the scope of the present application. Accordingly, the scope of protection of the present application shall be subject to the appended claims.

Claims (10)

1. A method of credit card application, the method comprising:
receiving a first credit card application request aiming at a first universe sent by a terminal, wherein the first credit card application request is triggered by a target user in the first universe;
responding to the first credit card application request, converting the first credit card application request through a conversion template of the first universe under the condition that the first universe is determined to be accessed to the management server, obtaining a second credit card application request matched with the first universe, and sending the second credit card application request to the first universe;
After the first universe responds to the second credit card application request to determine that the credit card application passes and store the credit card information corresponding to the target user, the credit card information corresponding to the target user is acquired from the first universe, and the credit card information corresponding to the target user is sent to the second universe.
2. The method according to claim 1, wherein the method further comprises:
in response to the first credit card application request, in the case that the target user is determined to be a user in the second universe, returning credit card application inquiry information for the second universe to the terminal, wherein the credit card inquiry information is used for inquiring whether to agree to apply for a credit card in the second universe;
receiving a first inquiry result triggered by the credit card inquiry information returned by the terminal;
converting the first credit card application request through a conversion template of the second universe to obtain a third credit card application request matched with the second universe under the condition that the first query result agrees to apply for the credit card in the second universe;
And sending the third credit card application request to the second universe.
3. The method according to claim 2, wherein the method further comprises:
in response to the first credit card application request, in a case that the target user is determined not to be a user in the second universe, returning registration inquiry information for the second universe to the terminal, the registration inquiry information being used for inquiring whether to register an account in the second universe;
receiving a second query result triggered by the registration query information returned by the terminal;
acquiring registration information of the target user under the condition that the second query result is agreement to register, and sending a registration request carrying the registration information to the second universe;
and after receiving the registration success information returned by the second universe, returning credit card application inquiry information aiming at the second universe to the terminal.
4. The method of claim 1, wherein the credit card information corresponding to the target user is used to enable the second universe to perform request processing on a fourth credit card application request triggered by the target user based on the credit card information corresponding to the target user when the fourth credit card application request is received.
5. The method of claim 1, wherein converting the first credit card application request via the conversion template of the first universe to obtain a second credit card application request matching the first universe comprises:
acquiring an intelligent contract corresponding to a conversion template of the first universe;
and executing the intelligent contract to convert the first credit card application request according to the conversion template of the first universe to obtain a second credit card application request matched with the first universe.
6. The method of claim 1, wherein the first credit card application request is sent in the form of a 5G message.
7. A credit card application device, said device comprising:
the credit card application receiving module is used for receiving a first credit card application request aiming at a first universe sent by a terminal, wherein the first credit card application request is triggered by a target user in the first universe;
the credit card application sending module is used for responding to the first credit card application request, converting the first credit card application request through a conversion template of the first universe under the condition that the first universe is determined to be accessed to the management server, obtaining a second credit card application request matched with the first universe, and sending the second credit card application request to the first universe;
And the credit card information sending module is used for acquiring the credit card information corresponding to the target user from the first universe and sending the credit card information corresponding to the target user to the second universe after the first universe responds to the second credit card application request to determine that the credit card application passes and stores the credit card information corresponding to the target user.
8. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any of claims 1 to 6 when the computer program is executed.
9. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.
10. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.
CN202311228184.2A 2023-09-21 2023-09-21 Credit card application method, credit card application device, computer equipment and storage medium Pending CN117455647A (en)

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