CN101216924A

CN101216924A - A system and method to generate individualized bank cards

Info

Publication number: CN101216924A
Application number: CNA2008100561104A
Authority: CN
Inventors: 程敏夫; 赵月明
Original assignee: BEIJING YINGTIANXIN SCIENCE AND TECHNOLOGY DEVELOPMENT Co Ltd
Current assignee: BEIJING YINGTIANXIN SCIENCE AND TECHNOLOGY DEVELOPMENT Co Ltd
Priority date: 2008-01-11
Filing date: 2008-01-11
Publication date: 2008-07-09

Abstract

The invention discloses a system for generating an individualizing bank card. The system includes a client terminal for inputting client information, selecting or loading card surface pictures and sending information for determining the card surface pictures for an individual card surface processing subsystem; the individual card surface processing subsystem for acquiring the card surface pictures loaded or selected via the client terminal, storing the card surface pictures, identifying client information, and generating corresponding relationship between the client information and the card surface pictures; and handing over the card surface pictures and the corresponding client information to a banking subsystem; the banking subsystem for verifying the client information, and fabricating individual cards; wherein the client terminal, the individual card surface processing subsystem and the banking subsystem are connected via network. A method for generating the individual bank cards is also provided. According the system and the method disclosed in the invention, individual bank cards can be realized.

Description

A kind of system and method that generates individualized bank cards

Technical field

The present invention relates to the bank card generation technique, be meant a kind of system and method that generates individualized bank cards especially.

Background technology

Bank card comprises magnetic stripe card and IC-card two big classes as a kind of physical support that starts the bank account transaction, is widely used in the daily life.Bank card card face is made up of background patterns, bank's Bureau sign, Bank Name, bank card title (credit card, financing card etc.), number of the account, customer name, the term of validity, bank card mechanism key elements such as (China Unionpay, VISA, Master etc.).Present bank card, background patterns determines that by bank's design generally, one type bank card card face pattern is in full accord, and limited several card face patterns perhaps are provided, for customer selecting.

People often use bank card in daily life, except using the payment of bank card settlement function, also given bank card other meanings, as represent a kind of special identity, commemorate a special date, show a kind of life style or the like, in this case, people wish to change the background patterns of bank card, to show its individual character.Present bank has released limited several scheme that can selection card face pattern, is to step towards bank card personalize card face direction to go a step further, and still, still can't satisfy the demand of client to personalization.

Patent " card sending system and the method immediately " (patent No.: 02141201.4), a kind of card sending system immediately and method of bank card are disclosed, characterization step comprises: the application materials of the card (fiscard or other card) that the applicant filled in are sent in the main frame by network real-time, utilize the computer software real time record in the main frame again and examine applicant's application materials and the message that card (fiscard or other card) authorized in generation, the message of authorizing card (fiscard or other card) will be sent to the applicant through network and fill on the on-site clip making machine of application materials, the card (fiscard or other card) that produces the applicant according to this and applied for.This system and method is to be based upon under the prerequisite of printing back bank card card face in batches, be to solve the problem that the client gets the bank card overlong time, its method is to set up a distributed card producing system by network, customer data is delivered to the card producing system of financial institution various places, the various places card producing system disperses fabrication, so that can in time pass to the client after the card printing finishes.This system and method can not solve the bank card of personalize card face and print problem.

Patent " individual magnetic card commemorate folding " (97206427.3) discloses a kind of utility model of individual character card card face, by increase big envelope outside individual magnetic card, puts into the method for individual character card card in big envelope, to reach the purpose that meets individual requirements.In this utility model, at first, individual magnetic card is not a bank card, and the bank card magnetic strip information is all write by bank, does not allow the client to be written to the non-Financial Information of individual in the magnetic card voluntarily; Secondly, the bank card that is issued in client's hand has all been printed card face pattern, and the client is impressing pattern on the bank card face again; At last, when using this individual's magnetic card, individual magnetic card need be taken out inconvenience from big envelope.

Summary of the invention

In order to realize individualized bank cards, the purpose of this invention is to provide a kind of system and method that generates individualized bank cards, solve bank card and make problem with personalize card face, change the image of present bank card, for the use of bank card brings great change.

In order to achieve the above object, the invention provides a kind of system that generates individualized bank cards, this system comprises:

Client terminal, be connected with personalize card face processing subsystem, be used to import customer information, selection card face picture or upload card face picture to personalize card face processing subsystem from personalize card face processing subsystem sends the information of confirming card face picture to personalize card face processing subsystem;

Personalize card face processing subsystem, be used to obtain the card face picture that client terminal is uploaded or selected, and according to the information conserving card face picture of the affirmation card face picture that comes from client terminal, the identification customer information, generate the corresponding relation of customer information and card face picture, and will block the face picture and corresponding client information is submitted to the banking subsystem;

The banking subsystem is used to verify customer information, and the customer information of passing through according to checking generates bank card information, the card face picture that will come from personalize card face processing subsystem as the card face of bank card to make individualized bank cards;

Described client terminal, described personalize card face processing subsystem, described banking subsystem are connected by network.

Preferable, described personalize card face processing subsystem comprises:

The customer information processing unit is used to discern customer information, generates customer information and the corresponding relation that blocks the face picture;

Card face picture transmission unit is used to receive the card face picture that client terminal is uploaded, and is used for card face picture and corresponding client information are submitted to the banking subsystem;

Client's picture-storage unit is used for according to the information conserving card face picture that comes from the affirmation card face picture of client terminal.

Preferable, described personalize card face processing subsystem further comprises:

Optional card face storage unit is used to store alternative card face picture;

Card face styles store unit is used for storage card face pattern.

Card face picture processing unit is used for transferring card face picture from optional card face storage unit or client's picture-storage unit, transfers one or more card face pattern from card face styles store unit, and in the scope of card face pattern defined edicard face picture.

Preferable, described card face picture processing unit is used to be created on ply-yarn drill face picture process software; Described client terminal is used to download that described card face picture processing unit generated at ply-yarn drill face picture process software, and provides card face picture editor and preview function by operating in ply-yarn drill face picture process software.

Preferable, described client terminal is used for described card face picture processing unit is passed in parameter or instruction that card face picture is edited;

Described card face picture processing unit is used to receive the editing parameter or the instruction that come from client terminal, according to editing parameter or instruction card face picture is edited.

Preferable, described personalize card face processing subsystem further comprises: card face picture audit unit is used for the card face picture that client terminal is confirmed is examined.

Preferable, the system of described generation individualized bank cards further comprises: third party's terminal, be used for logging in personalized card face processing subsystem, and submit alternative card face picture and additional information to.

Preferable, the system of described generation individualized bank cards further comprises: banking terminal is used for logging in personalized card face processing subsystem or banking subsystem, audit card face picture.

Preferable, described client terminal possesses and independently blocks face picture editor ability, perhaps obtains card face picture editor ability by connecting personalize card face processing subsystem.

Preferable, described client terminal comprises: possess data-handling capacity, can be connected to computing machine, mobile phone, personal digital assistant PDA, the digital TV set-top box STB of personalize card face processing subsystem by network.

Preferable, described banking subsystem comprises: card face picture audit unit is used for the card face picture that client terminal is confirmed is examined.

Preferable, described banking subsystem comprises:

The customer information of bank processing unit is used to increase new customer information, the checking customer information; And/or,

The account processing unit is used to generate bank card account information, and the processing bank card transaction generates bank card fabrication information; And/or,

The fabrication unit is used to print individualized bank cards card face picture, writes bank card magnetic strip information or IC-card chip information.

In order to reach the object of the invention, the invention provides a kind of method that generates individualized bank cards, this method comprises:

1) client terminal connects personalize card face processing subsystem;

2) by client terminal selection card face picture or upload card face picture from personalize card face processing subsystem to personalize card face processing subsystem;

3) send the information of confirming card face picture by client terminal to personalize card face processing subsystem, personalize card face processing subsystem is according to the information conserving card face picture of described affirmation card face picture;

4) personalize card face processing subsystem identification customer information, and generation customer information and the corresponding relation that blocks the face picture will be blocked the face picture and corresponding client information is submitted to the banking subsystem;

5) checking customer information, audit card face picture;

6) customer information passed through according to checking of banking subsystem generates bank card information, the card face picture that audit is passed through as the card face of bank card to make individualized bank cards.

Preferable, further comprise between the described step 2 and 3: card face picture is edited by client terminal.

Preferable, describedly card face picture is compiled as: selection card face pattern, edicard face picture in the card face scope of card face pattern defined by client terminal.

Preferable, described card face pattern comprises: card face size, card face shape, card face key element, card face layout.

Preferable, described card face shape comprises rectangle and irregularly shaped.

Preferable, describedly card face picture is compiled as by client terminal: the picture process software edicard face picture that provides by client terminal, perhaps client terminal download that personalize card face processing subsystem provides at ply-yarn drill face picture process software and by at ply-yarn drill face picture process software edicard face picture.

Preferable, described by being: write down the parameter that card face picture is edited at ply-yarn drill face picture process software at ply-yarn drill face picture process software edicard face picture, and the editing parameter that is write down passed to personalize card face processing subsystem, card face picture is edited according to editing parameter by personalize card face processing subsystem; Perhaps, after ply-yarn drill face picture process software is edited card face picture, the card face picture behind the editor is synchronously passed to personalize card face processing subsystem.

Preferable, in the described step 2, by client terminal selection card face picture from personalize card face processing subsystem be: personalize card face processing subsystem provides card face picture and corresponding additional information, by search card face picture and corresponding additional information and selection card face picture.

Preferable, described additional information, its content comprise picture numbering and/or picture header and/or image content classification and/or image content explanation and/or suitable classification of picture and/or bank card Service Description; Its form comprises literal and/or picture and/or sound; Its form of expression comprises uniform resource position mark URL.

Preferable, in the described step 2, upload card face picture by client terminal to personalize card face processing subsystem and be: the card face picture that client terminal is preserved in memory device, movable storage device, the webserver is uploaded to personalize card face processing subsystem.

Preferable, in the described step 4, personalize card face processing subsystem identification customer information is: the identification of personalize card face processing subsystem is kept at the customer information in the personalize card face processing subsystem, perhaps, personalize card face processing subsystem sends the identification request to the banking subsystem, by banking subsystem inquiring customer information, and return recognition result.

Preferable, in the described step 5, the checking customer information is: the banking subsystem is verified customer information by the identity verification certificate data; Perhaps, verify customer information by the checking accounts information.

Preferable, in the described step 5, audit card face picture is: examine card face picture automatically, perhaps manual examination and verification card face picture.

Preferable, described automatic audit card face picture is: by judging whether card face picture satisfies the automatic auditing rule that sets in advance and examine automatically, if satisfy then audit is passed through, otherwise audit is not passed through.

Preferable, described bank card comprises: debit card, credit card and accurate credit card, and the special bank card kind of multiple Account Type combination.

The system and method for generation individualized bank cards provided by the invention has solved problems of the prior art, has the following advantages:

1) client can select or edit the personalize card face picture of its hobby easily;

2) bank, third party, client can constantly increase personalize card face picture, so that the client has more more options;

3) client can search for personalize card face picture easily, checks relevant supplementary information;

4) bank does not need to increase too many operation for the client provides the flow process with personalize card face bank card simple;

5) client understands the bank card with personalize card face that the higher frequency, long period use its making time and energy to generate, and increases the bank settlement commission income.

6) the personalize card face has reflected client's classification and hobby to a certain extent, lays a good foundation for bank carries out marketing activity targetedly.

Description of drawings

Figure 1 shows that the system chart that generates individualized bank cards among the present invention;

Figure 2 shows that the overview flow chart that generates individualized bank cards among the present invention;

Figure 3 shows that the process flow diagram that generates personalized debit card among the present invention in scene once;

Figure 4 shows that the process flow diagram that generates personalized debit card among the present invention in scene for two times;

Figure 5 shows that the process flow diagram that generates personalized debit card among the present invention in scene for three times;

Figure 6 shows that the process flow diagram that generates personalized credit card among the present invention in scene for four times;

Figure 7 shows that the process flow diagram that generates personalized credit card among the present invention in scene for five times.

Embodiment

For making the purpose, technical solutions and advantages of the present invention clearer, lift specific embodiment below, the present invention is further detailed explanation.

Figure 1 shows that the system chart that generates individualized bank cards among the present invention.As shown in Figure 1, this system mainly comprises: client terminal (CT) 100, banking terminal (BT) 130, third party's terminal (TT) 140, personalize card face processing subsystem (PICS) 110, banking subsystem (BS) 120.Be connected by communication network between described client terminal (CT) 100, banking terminal (BT) 130, third party's terminal (TT) 140 and personalize card face processing subsystem (PICS) 110, the banking subsystem (BS) 120.

Wherein:

Client terminal (CT) the 100th, the client shows, selects, edits, transmits image data and customer information in order to logging in personalized card face processing subsystem (PICS) 110, sends the device of customer instruction.Client terminal (CT) 100 is connected with personalize card face processing subsystem (PICS) 110, be used to import customer information, selection card face picture or upload card face picture to personalize card face processing subsystem (PICS) 110 from personalize card face processing subsystem (PICS) 110 sends the information of confirming card face pictures to personalize card face processing subsystem (PICS) 110.Client terminal (CT) 100 types include but not limited to computing machine, mobile phone, personal digital assistant (PDA, Personal Digital Assistant), digital TV set-top box (STB, Set-up Box) etc. various possess computing power, can be connected to the equipment of personalize card face processing subsystem (PICS) 110 by network.

Banking terminal (BT) the 130th, bank-user logging in personalized card face processing subsystem (PICS) 110 or banking subsystem (BS) 120 are examined the device of the application of customer personalized bank card.Banking terminal (BT) 130 types comprise that computing machine, mobile phone, PDA(Personal Digital Assistant) etc. are various and possess computing power, can be connected to the equipment of personalize card face processing subsystem (PICS) 110 or banking subsystem (BS) 120 by network.

Third party's terminal (TT) the 140th, third party user's logging in personalized card face processing subsystem (PICS) 110 is submitted to for the personalize card face picture of customer selecting or the device of additional information.Third party's terminal 140 (BT) type comprises that computing machine, mobile phone, PDA(Personal Digital Assistant) etc. are various and possesses computing power, can be connected to the equipment of personalize card face processing subsystem (PICS) 110 by network.Third party user refers to make specially the individual or entity of card face picture or additional information, by third party's terminal (TT) 140, submits card face image data or additional information to personalize card face processing subsystem (PICS) 110.

Personalize card face processing subsystem (PICS) 110, be used to obtain the card face picture that client terminal (CT) 100 is uploaded or selected, and according to the information conserving card face picture of the affirmation card face picture that comes from client terminal (CT) 100, the identification customer information, generate the corresponding relation of customer information and card face picture, and will block the face picture and corresponding client information is submitted to banking subsystem (BS) 120.Personalize card face processing subsystem (PICS) 110 specifically comprises:

Customer information processing unit (CIF) 111 is used to discern customer information, generates customer information and personalize card face picture corresponding relation;

Card face picture transmission unit (IT) 115 is used to receive the card face picture that client terminal (CT) 100 is uploaded, and is used for card face picture and corresponding client information are submitted to banking subsystem (BS) 120; Can also be used to accept card face picture and additional information that banking terminal, third party's terminal, client terminal (CT) 100 are uploaded;

Client's picture-storage unit (CIL) 112 is used for according to the information conserving card face picture that comes from the affirmation card face picture of client terminal (CT) 100;

Optional card face storage unit (IL) 113 is used to store alternative card face picture and the additional information that is provided by banking terminal, third party's terminal, client terminal etc.;

Card face styles store unit (FL) 114, the card face pattern and the additional information that are used to store bank card are so that synthesize complete card face picture with customer selecting or editor's card face picture;

Card face picture processing unit (xEditor) 116, be used for transferring card face picture from optional card face storage unit or client's picture-storage unit, from card face styles store unit, transfer one or more card face pattern, and in the scope of card face pattern defined edicard face picture;

Card face picture audit unit (IA) 117 is used for the card face picture that the client confirms is examined, to determine whether card face picture can satisfy the fabrication requirement.

Banking subsystem (BS) 120 is used to verify customer information, and the customer information of passing through according to checking generates bank card information, the card face picture that will come from personalize card face processing subsystem as the card face of bank card to make individualized bank cards.Because banking subsystem (BS) 120 is responsible for handling all bankings, its functional module is many, but with the closely-related module of the present invention, comprise at least:

Customer information of bank processing unit (BCIF) 121 is used to increase new customer information, the checking customer information;

Account processing unit (BAS) 122 is used to generate bank card account information, and the processing bank card account generates bank card fabrication information;

Fabrication unit (CP) 123 is used to print individualized bank cards card face picture, writes bank card magnetic strip information or IC-card chip information.

For the more detailed inner structure of the system of above-mentioned generation individualized bank cards, during describing, method below introduces in detail.

Fig. 2 is the overview flow chart that generates individualized bank cards among the present invention, and the system chart in conjunction with shown in Figure 1 is described as follows:

Step 201: the client connects personalize card face processing subsystem (PICS) 110 by client terminal (CT) 100.

Step 202: whether client decision selection card face picture from the card face picture that personalize card face processing subsystem is provided, if then enter step 203, otherwise enter step 204.

Step 203: the client enters step 205 then by client terminal (CT) 100 selection card face picture from personalize card face processing subsystem (PICS) 110.

Alternative card face picture is kept at the optional card face storage unit (IL) 113 of personalize card face processing subsystem (PICS) 110, and the client can be from optional card face storage unit (IL) the 113 selection card face pictures of personalize card face processing subsystem (PICS) 110.These alternative card face pictures can be uploaded to personalize card face processing subsystem (PICS) 110 by banking terminal (BT) 130 and are saved in the optional card face storage unit (IL) 113 by bank-user, also can be uploaded to personalize card face processing subsystem (PICS) 110 by third party's terminal (TT) 140 and are saved in the optional card face storage unit (IL) 113 by third party user.

For the information of unfreezing face picture that made the client, can also provide additional information for each alternative card face picture.Additional information comprises that picture numbering, picture header, image content classification, image content explanation, picture are suitable for classification, bank card Service Description etc.The form of additional information can be forms such as literal, picture, sound.Additional information can be kept in the optional card face storage unit (IL) 113 of personalize card face processing subsystem (PICS) 110 with alternative card face picture, also can URL(uniform resource locator) (URL be set for this additional information, Uniform Resource Locator), real-time calling when the client browses.

The customer selecting picture can also be classified to alternative card face picture for convenience, is specially, can classify according to image content, as natural views, personage, building, cartoon, physical culture etc., also can be according to the classification of the picture scope of application, as festivals or holidays, birthday, friend, teacher etc.Usually, a certain card face picture can belong to a plurality of classifications at minute time-like.

Especially, the card face picture that bank provides, service linkage that can also be specific with bank provides automobile relevant service as bank for the user who selects the automobile pattern, comprise preferential oiling service, carwash service etc., the gift etc. of sports aspect is provided for the user who selects the physical culture pattern for another example.

More easily, personalize card face processing subsystem (PICS) 110 can provide card face picture searching function for the client, finds the card face picture that it is liked fast to make things convenient for the client.

In this step, the client during selection card face picture, can or click ways of connecting by search from personalize card face processing subsystem (PICS) 110, browse card face picture, the additional information of reading card face picture, thereby selection card face picture.

Step 204: the client uploads card face picture by client terminal (CT) 100 to personalize card face processing subsystem, enters step 205 then.

In this step, the card face picture that the client uploads by client terminal (CT) 100 receives and is saved to client's picture-storage unit (CIL) 112 in the personalize card face processing subsystem (PICS) 110 by the card face picture transmission unit (IT) in the personalize card face processing subsystem (PICS) 110 115.

The client can determine the picture of whether oneself being uploaded to share to other clients, if client's decision shares the own picture of being uploaded to other clients, then this picture also is saved to optional card face storage unit (IL) 113.

Usually, personalize card face processing subsystem (PICS) 110 can also carry out anti-virus scan to the picture that the client uploaded, to guarantee the safety of personalize card face processing subsystem (PICS) 110.

Select picture and be uploaded to personalize card face processing subsystem in the picture that the client can be preserved from the memory device of client terminal (CT) 100, movable storage device, the webserver, but be not limited to this.The image data file that the client uploads is supported various picture file forms, transmits and preserves in the mode of binary stream.

Step 205: whether client's decision needs edicard face picture, if decision needs edicard face picture, then enters step 206, otherwise enters step 207.

If the client is satisfied to the card face picture of selecting, do not need then can determine selected card face picture is edited; If the client is dissatisfied to the card face picture of selecting, when perhaps the picture uploaded of client can not be directly as card face picture, can determines and to edit blocking the face picture.

Step 206: the client is by client terminal (CT) 100 edicard face pictures.

In this step,, need selection card face pattern, and transfer card face picture, then edicard face picture in the card face scope of card face pattern defined for edicard face picture.When edicard face picture, client terminal (CT) 100 can call 116 pairs of cards of card face picture processing unit (xEditor) face picture and edit.

As step 203 client selection card face picture from personalize card face processing subsystem, then block face picture processing unit (xEditor) 116 and from optional card face storage unit (IL) 113, transfer the selected card face of this client picture; Upload card face picture as step 204 client, then block face picture processing unit and from client's picture-storage unit (CIL) 112, transfer the card face picture that this client uploads.

The client can from the card face styles store unit (FL) 114 selection card face pattern.Card face pattern is determined by bank.Card face pattern comprises card face size, shape, key element, layout etc.Card face size refers to the size of card face, and usually, card face size dimension is 86mm * 54mm, and international organization has also announced a kind of small card, and card face size dimension is 66mm * 40mm.Card face shape refers to the circumferential profile of card face, and general, the card face is a rectangle, and in addition, some commercial banks have also issued irregular bank card, as the bank card of " F " shape, " M " shape.Card face key element, refer to the content that the card face must be put down in writing, comprise bank's Bureau sign, Bank Name, bank card title (credit card, financing card etc.), number of the account, customer name, the term of validity, bank card mechanism sign contents such as (China Unionpay, VISA, Master etc.), these will have necessary key element, and optional key element is also arranged.Card face layout refers to card face each key element size and the relative position that is positioned the card face.

Card face picture processing unit (xEditor) 116 can be written into a plurality of card face patterns simultaneously, makes things convenient for the client to handle many card face pictures simultaneously.

Client terminal (CT) 100 calls 116 pairs of cards of card face picture processing unit (xEditor) face picture and edits, comprise card face picture is carried out displacement, stretches, rotates, twists, change picture color, contrast, add various editing operations such as literal, figure layer.The client can finish above-mentioned editing operation by the graphic user interface (GUI) that card face picture processing unit (xEditor) 116 provides.Card face picture processing unit (xEditor) 116 can also the editing operation that some are common be combined into menu, as the effect of missing old times or old friends, anaglyph etc.

Edit mode can comprise two kinds, and a kind of is the off-line editing mode, and another kind is the online editing mode.

The off-line editing mode is, the client can use special picture process software edicard face picture in client terminal (CT) 100 sides, at this moment need client terminal (CT) 100 to download needs editor's card face picture, be uploaded to personalize card face processing subsystem again after editor finishes from personalize card face processing subsystem.

The online editing mode is, the client use that personalize card face processing subsystem (PICS) 110 provides at ply-yarn drill face image processing function edicard face picture.Client terminal (CT) 100 can be passed to card face picture processing unit (xEditor) 116 with parameter or instruction that card face picture is edited, card face picture processing unit (xEditor) 116 receives editing parameter or the instruction that comes from client terminal (CT) 100, according to editing parameter or instruction card face picture is edited.Preferable, for realizing user's's " finding and gained " edit effect, raise the efficiency, card face picture processing unit (xEditor) 116 is created on ply-yarn drill face picture process software (as Script or Flash etc.), and client terminal (CT) 100 is downloaded in real time and should and be passed through at ply-yarn drill face picture process software edicard face picture at ply-yarn drill face picture process software.Card face picture editor, the preview function of " What You See Is What You Get " should when editing card face picture, the client be provided at ply-yarn drill face picture process software.The online editing mode can adopt following two kinds of image data transmission modes:

1) adopts Asynchronous Transfer Mode.When 100 pairs of cards of client terminal (CT) face picture is edited, only picture editor's parameter or instruction are transferred to the card face picture processing unit (xEditor) 116 in the personalize card face processing subsystem (PICS) 110, picture is edited according to the editing parameter or the instruction that come from client terminal (CT) 100 transmission by the card face picture processing unit (xEditor) in the personalize card face processing subsystem (PICS) 110 116, thereby guaranteed with consistent client terminal (CT) 100 editors that done.

2) adopt Synchronous Transfer Mode.Relative with Asynchronous Transfer Mode, Synchronous Transfer Mode is meant when 100 pairs of client terminals (CT) card face picture is edited, and gives card face picture processing unit (xEditor) 116 in the personalize card face processing subsystem (PICS) 110 with the image data synchronous transmission behind the editor.

Step 207: the client sends the information of confirming card face picture by client terminal (CT) 100 to personalize card face processing subsystem, and personalize card face processing subsystem (PICS) 110 is according to the information conserving card face picture of described affirmation card face picture.

Finish behind the card face picture by client terminal (CT) 100 editor as step 206 client, or as behind the step 203 customer selecting card face picture, or after uploading card face picture as step 204 client, the client can pass through the final effect of client terminal (CT) 100 preview card face pictures, if it is satisfied to card face picture, then confirm card face picture by client terminal (CT) 100, client terminal (CT) 100 submits to personalize card face processing subsystem (PICS) 110 with confirmation, and the card face picture after by personalize card face processing subsystem (PICS) 110 client being confirmed is kept at client's picture-storage unit (CIL) 112.

Step 208: personalize card face processing subsystem (PICS) 110 identification customer informations generate the corresponding relation of customer information and card face picture, and will block the face picture and corresponding client information is submitted to banking subsystem (BS) 120.

Customer information is to represent the data of client properties; The identification customer information is meant the data of obtaining and distinguishing client properties.The content of customer information is more, in the present invention the customer information content is divided into three ranks, i.e. minimum requirements rank, generally require rank, credit request rank.In implementation process, according to other difference of customer information level, the method for identification customer information also can proper transformation.The minimum requirements rank of customer information is to satisfy unique identification requirement of client, as the identity document kind, and the identity document number.Customer information generally require rank, refer to reach the requirement of satisfying the operation flow that realizes the application individualized bank cards smoothly, comprise customer name, telephone number, contact address etc.The credit request rank of customer information refers to reach the requirement of the client being authorized credit line, as the information of income proof, financial statement etc.As for the client who preserves comparatively complete customer information of bank in banking subsystem (BS) 120, personalize card face processing subsystem (PICS) 110 can be according to minimum requirements level identification client; As for the client who preserves a small amount of customer information of bank in banking subsystem (BS) 120, personalize card face processing subsystem (PICS) 110 can be according to generally requiring the level identification client; As not applying for the client of credit card for preserve customer information of bank and needs in banking subsystem (BS) 120, personalize card face processing subsystem (PICS) 110 can be according to credit request level identification client.

For the client who in banking subsystem (BS) 120, does not preserve customer information of bank, as the client who had not opened an account in a bank, customer information processing unit (CIF) 111 need be collected customer information according to the business need of bank, this category information can be kept in the customer information processing unit (CIF) 111, also can not be kept in the customer information processing unit (CIF) 111.

Customer information processing unit (CIF) 111 identification customer informations in the personalize card face processing subsystem (PICS) 110.Generally speaking, customer information is submitted to customer information processing unit (CIF) 111 in the personalize card face processing subsystem (PICS) 110 by customer self-service registration and by client terminal (CT) 100.When needs identification customer information, finish proof procedure by the information that customer information processing unit (CIF) 111 calls this unit.In addition, a kind of feasible method is that customer information processing unit (CIF) 111 is not forever preserved customer information, and when needs identification customer information, send the transaction request of identification customer information by customer information processing unit (CIF) 111 to banking subsystem (BS) 120, by customer information of bank processing unit (BCIF) 121 in the banking subsystem (BS) 120 or account processing unit (BAS) 122 inquiring customer informations and return recognition result.

After customer information identification was passed through, personalize card face processing subsystem (PICS) 110 generated the corresponding relation of customer information and card face picture and is kept in the personalize card face processing subsystem (PICS) 110.According to performance, this corresponding relation can be kept at customer information processing unit (CIF) 111, also this corresponding relation can be kept at card face picture processing unit (xEditor) 116.

Customer information and card face image data are submitted to banking subsystem (BS) 120 by card face picture transmission unit (IT) 115, for not distorted in the guarantee information transmission course, can use technology such as document such as digital signature, generation document printing form (PDF, Portable Document Format) classification.

Step 209: checking customer information.

In this step, the personnel of bank are by banking subsystem (BS) 120 checking customer informations, when the checking customer information, to preserving the client of information at the customer information of bank processing unit (BCIF) 121 of banking subsystem (BS) 120, as opened the client of account in bank, can verify customer information by the mode of checking account and password, and not need the client to resubmit customer data and verify customer information; Also other information that can reserve in bank by the checking client, telephone number, address, the account of reserving as comparison information such as date of opening an account are verified customer information.For the client who does not preserve customer information at the customer information of bank processing unit (BCIF) 121 of banking subsystem (BS) 120, or need the client to resubmit the client of customer information, can verify by checking client identity document data of submitting to and the customer information of filling in.When handling some type bank card, during as credit card, platinum card, also need the client to submit the information of client's credit aspect to, as information such as income proof, financial statements, verify.

The checking customer information is unsanctioned, and visual concrete condition requires the client to resubmit customer information, as resubmits the information of client's credit aspect, so as checking once more, the operation flow that also can finish to apply for individualized bank cards.

Step 210: audit card face picture.

In this step, during audit card face picture, can examine automatically, also can manual examination and verification.For automatic audit, need in card face picture audit unit (IA) 117, automatic auditing rule to be set, card face picture audit unit (IA) 117 is by judging whether card face picture satisfies the automatic auditing rule that sets in advance and examine automatically, if satisfied then audit is passed through, otherwise audit is not passed through.Described automatic auditing rule, for example be, customer selecting be the card face picture of preserving in the optional card face storage unit (IL) 113, and the client do not edit card face picture, in this case, can think and satisfy automatic auditing rule that i.e. audit is passed through.For what can not examine automatically, need carry out manual examination and verification by the employee of bank.The employee of bank signs in to personalize card face processing subsystem (PICS) 110 or banking subsystem (BS) 120 by banking terminal (BT) 130, check the card face picture that the client confirms, examine its content and whether meet the requirements, as whether there being content that law forbids etc.

For improving review efficiency, card face picture audit unit (IA) 117 provides thumbnail audit and other audit mode of two kinds of levels of complete checking: the thumbnail audit refers to guaranteeing under the discernible prerequisite of card face image content, determines that by examining a card face picture that dwindles whether this card face is by audit.Whether can not determine by audit for the thumbnail mode, enter the mode of checking complete card face picture again and examine.

For reducing the audit mistake, blocking face picture audit unit (IA) 117 can also provide multi-level review mechanism, and bank can set the audit of card face picture needs the employee of the bank complete audit of some levels final by audit by ability.

Audit is not passed through for card face picture, can require the client to resubmit card face picture or process ends according to circumstances.

In system chart shown in Figure 1, card face picture audit unit (IA) 117 is arranged in the personalize card face processing subsystem (PICS) 110, but also can be arranged in the banking subsystem (BS) 120.

Step 211: whether determining step 209 described checkings and the described audit of step 210 are passed through, if pass through, then execution in step 212, otherwise, carry out error handling processing, process ends.

Unsanctioned for the checking customer information, can require the client to resubmit customer information, as resubmit client's credit information, so that examine once more, also can finish the operation flow of individualized bank cards.

Audit is not passed through for card face picture, can return step 203 or 204 and require the client to reselect or upload card face picture, perhaps returns step 206 and updates card face picture, perhaps process ends.

Step 212: the customer information that banking subsystem (BS) 120 passes through according to checking generates bank card information, the card face picture that audit is passed through as the card face of bank card to make individualized bank cards.

For customer information and the card face picture by examining by checking, banking subsystem (BS) 120 generates bank card fabrication information, promptly generates bank card information according to customer information, according to the card face of card face as bank card.For the newly-increased client of needs, banking subsystem (BS) 120 increases customer informations at customer information of bank processing unit (BCIF) 121; Open a new bank card account for needs, banking subsystem (BS) 120 increases new bank account at account processing unit (BAS) 122, finishes the account transaction of opening an account; For keeping original customer information and accounts information, only need to handle a new bank card, bank account processing unit (BAS) 122 need be finished the replacing bank card business dealing.After the combination of finishing above-mentioned transaction or above-mentioned transaction, banking subsystem (BS) 120 generates bank card fabrication data, finishes the printing of bank card by fabrication unit (CP) 123.

Usually, bank can finish fabrication work voluntarily, also can the external agency that the fabrication working delegation is special finish.

Above-mentioned bank card divides from structure, comprises magnetic stripe card and IC-card, from the class of business branch, comprises debit card, credit card and accurate credit card, and the special bank card kind of multiple Account Type combination.

The system and method for the generation individualized bank cards that more than provides, possessed the ability that adapts to various customer type, personalized photo processing mode, bank card kind, but in actual applications, because above several hypothesis prerequisites determine that the practical application flow process is simple relatively.Be more clear explanation system and method for the present invention, below simply enumerate several frequently seen treatment scheme, so that understand the present invention.

Scene one:

Suppose to have opened in bank the client of account, the debit card of personalize card face is opened in application, after the customer selecting card face picture, selected card face picture is not edited.Figure 3 shows that the process flow diagram that generates personalized debit card in scene once, this flow process comprises the steps:

Step 301: client terminal (CT) 100 connects personalize card face processing subsystem (PICS) 110.

Step 302: the client is by client terminal (CT) 100 selection card face picture from personalize card face processing subsystem (PICS) 110.

Step 303: the client sends the information of confirming card face picture by client terminal (CT) 100 to personalize card face processing subsystem (PICS) 110, and personalize card face processing subsystem (PICS) 110 is according to the information conserving card face picture of described affirmation card face picture.

Step 304: personalize card face processing subsystem (PICS) 110 identification customer informations generate the corresponding relation of customer information and card face picture, and will block the face picture and corresponding client information is submitted to banking subsystem (BS) 120.

Because the client opened account in bank, banking subsystem (BS) 120 is preserved customer information, therefore can send the transaction request of discerning customer information to banking subsystem (BS) 120 by the customer information processing unit (CIF) 111 of personalize card face processing subsystem (PICS) 110, by customer information of bank processing unit (BCIF) 121 in the banking subsystem (BS) 120 or account processing unit (BAS) 122 inquiring customer informations and return recognition result.Concrete recognition method can comprise multiple, as the consistance of comparison client identity document information, accounts information, contact method information, also can verify customer accounting code and password correctness.

Step 305: checking customer information.

Because the client opened account in bank, and had passed through the identification of banking system in the step 304, therefore in this step, bank can admit the recognition result in the step 304, need not the client and resubmits information Recognition.

Step 306: audit card face picture.

Because the client selected card face picture from personalize card face processing subsystem (PICS) 110, and do not make any change, therefore block the audit of face picture and can examine automatically and pass through.

Step 307: the customer information that banking subsystem (BS) 120 passes through according to checking generates bank card information, the card face picture that audit is passed through as the card face of bank card to make individualized bank cards.

Because the client opened account in bank, there has been this client's customer information in bank, and therefore, only needing increases a new bank account at the account processing unit (BAS) 122 of banking subsystem (BS) 120, finishes the account transaction of opening an account.

Scene two:

Suppose client in the bank agency, the debit card of personalize card face is opened in application, after the customer selecting card face picture, selected card face picture is not edited, replaced the client to finish personalized Debit Card request operation by banking terminal (BT) 130 by the employee of bank.Figure 4 shows that the process flow diagram that generates personalized debit card in scene for two times, this flow process comprises the steps:

Step 401: banking terminal (BT) 130 connects personalize card face processing subsystem (PICS) 110.

Banking terminal (BT) 130 can directly connect personalize card face processing subsystem (PICS) 110, also can be by direct connection banking subsystem (BS) 120, the mode that connects personalize card face processing subsystem (PICS) 110 by banking subsystem (BS) 120 connects personalize card face processing subsystem (PICS) 110 indirectly.

Step 402: the employee of bank is by banking terminal (BT) 130 selection card face picture from personalize card face processing subsystem (PICS) 110.

The client can come selection card face picture by the card face picture handbook of browsing the bank agency and providing.Card face picture in the card face picture handbook is corresponding with the optional card face picture in being kept at personalize card face processing subsystem (PICS) 110.Customer selecting is informed the employee of bank after blocking the face picture well, and the employee of bank is by banking terminal (BT) 130 input card face pictorial informations, as card face numbering etc., replaces customer selecting card face picture.

Step 403: the client confirms card face picture, the employee of bank sends the information of confirming card face picture by banking terminal (BT) 130 to personalize card face processing subsystem, and personalize card face processing subsystem (PICS) 110 is according to the information conserving card face picture of described affirmation card face picture.

Usually, the employee of bank can finish the checking of customer information by the existing mode of bank before confirming card face picture.

Step 404: personalize card face processing subsystem (PICS) 110 generates the corresponding relation of customer information and picture.

Because the client is in the bank agency, customer information is verified by bank, banking subsystem (BS) 120 has also been preserved customer information, therefore banking subsystem (BS) 120 can be notified the request of personalize card face processing subsystem (PICS) 110 customer selecting card face pictures, and personalize card face processing subsystem (PICS) 110 generates the corresponding relation of customer information and card face picture and is kept in the personalize card face processing subsystem.

Step 405: checking customer information.

Because before the step 403, bank has finished the checking of customer information.

Step 406: audit card face picture.

Because card face picture is chosen from card face picture handbook, can examine card face picture automatically.

Step 407: the customer information that banking subsystem (BS) 120 passes through according to checking generates bank card information, the card face picture that audit is passed through as the card face of bank card to make individualized bank cards.

In this scene, use banking terminal (BT) 130 to replace the client to finish part operation by the employee of bank, when finishing these operations, therefore banking terminal (BT) 130 and client terminal (CT) 100 equivalences do not influence ultimate principle of the present invention and flow process.

Scene three:

Suppose to have opened in bank the client of account, the debit card of personalize card face is opened in application, requires card number constant, and the client uploads card face picture, and the card face picture of being uploaded is edited.Figure 5 shows that scene generates the process flow diagram of personalized debit card for three times, this flow process comprises the steps:

Step 501: client terminal (CT) 100 connects personalize card face processing subsystem (PICS) 110.

Step 502: the client uploads card face picture by client terminal (CT) 100 to personalize card face processing subsystem (PICS) 110.

Step 503: the client is by client terminal (CT) 100 edicard face pictures.

Step 504: the client passes through the information of client terminal (CT) 100 card face picture after editor is confirmed in the transmission of personalize card face processing subsystem, the card face picture after personalize card face processing subsystem (PICS) 110 is edited according to the information preservation of described affirmation card face picture.

After the client edits the card face picture that finishes, can confirm card face final effect by the preview mode, confirm card face picture by client terminal (CT) 100, client terminal (CT) 100 submits to personalize card face processing subsystem (PICS) 110 with confirmation, and the card face picture after by personalize card face processing subsystem (PICS) 110 client being confirmed is kept at client's picture-storage unit (CIL) 112.

Step 505: personalize card face processing subsystem (PICS) 110 identification customer informations generate the corresponding relation of customer information and picture, and will block the face picture and corresponding client information is submitted to banking subsystem (BS) 120.

Because this client has opened account in bank, banking subsystem (BS) 120 remains with customer information, when the customer information processing unit (CIF) 111 in the personalize card face processing subsystem (PICS) 110 is discerned customer informations, send the transaction request of identification customer information by customer information processing unit (CIF) 111 to banking subsystem (BS) 120, by customer information of bank processing unit (BCIF) 121 in the banking subsystem (BS) 120 or account processing unit (BAS) 122 inquiring customer informations and return recognition result.

Step 506: checking customer information.

Because this client, can verify customer information by the mode of checking account and password, and not need the client to rewrite and submit to all data as opened the client of account in bank the client that bank preserves information; Also other information that can reserve in bank by the checking client as comparison client identity authentication passport NO., number of the account, the telephone number of reservation, address, the account information such as date of opening an account, are verified customer information.

Bank's checking customer information is unsanctioned, and visual concrete condition requires the client to resubmit customer information, as resubmits client's credit information, so that examine once more, also can finish the operation flow of individualized bank cards.

Step 507: audit card face picture.

The employee of bank signs in to personalize card face processing subsystem (PICS) 110 or banking subsystem (BS) 120 by banking terminal (BT) 130, check the card face picture that the client confirms, examine its content and whether meet the requirements, as whether there being content that law forbids etc.

Audit is not passed through for card face picture, carries out error handling processing, can return step 503 and require the client to update card face picture or process ends according to circumstances.

Step 508: the customer information that banking subsystem (BS) 120 passes through according to checking generates bank card information, the card face picture that audit is passed through as the card face of bank card to make individualized bank cards.

Because this client has opened account in bank, need open new bank card, but card number remains unchanged, therefore can keep original customer information and accounts information, only need to handle a new bank card, bank account processing unit (BAS) 122 need be finished the replacing bank card business dealing.After finishing above-mentioned transaction, banking subsystem (BS) 120 will generate bank card fabrication data, finish the printing of bank card by fabrication unit (CP) 123.

Scene four:

Suppose not opened in bank as yet the client of account, but this client preserves customer information in personalize card face processing subsystem (PICS) 110, the credit card of personalize card face is opened in application, and the client uploads card face picture, and card face picture is edited.Figure 6 shows that the process flow diagram that generates personalized credit card in scene for four times, this flow process comprises the steps:

Step 601: client terminal (CT) 100 connects personalize card face processing subsystem (PICS) 110.

Step 602: the client uploads card face picture by client terminal (CT) 100 to personalize card face processing subsystem (PICS) 110.

Step 603: the client is by client terminal (CT) 100 edicard face pictures.

Step 604: the client passes through the information of client terminal (CT) 100 card face picture after editor is confirmed in the transmission of personalize card face processing subsystem, the card face picture after personalize card face processing subsystem (PICS) 110 is edited according to the information preservation of described affirmation card face picture.

Step 605: personalize card face processing subsystem (PICS) 110 identification customer informations generate the corresponding relation of customer information and picture, and will block the face picture and corresponding client information is submitted to banking subsystem (BS) 120.

Because this client does not open any account in bank as yet, banking subsystem (BS) 120 does not have customer information, when the customer information processing unit (CIF) 111 in the personalize card face processing subsystem (PICS) 110 is discerned customer informations, discern by the customer information that is kept in this unit, as the identification client in information such as the user name of this personalize card face processing subsystem registration, passwords.

Simultaneously, also need to provide customer information owing to this client to banking subsystem (BS) 120.The minimum requirements of customer information is to satisfy unique identification requirement of client, as the identity document kind, and the identity document number.The general requirement of customer information refers to reach the requirement of satisfying the operation flow that realizes personalize card face bank card smoothly, comprises customer name, telephone number, contact address etc.Simultaneously, because this client need apply for credit card, therefore must provide the information of client's credit aspect, as the information of income proof, financial statement.Bank may also can require the client that other information is provided, as integration gift information of credit card etc.

After customer information identification was passed through, personalize card face processing subsystem (PICS) 110 generated the corresponding relation of customer information and card face picture and is kept in the personalize card face processing subsystem.According to performance, this corresponding relation can be kept at customer information processing unit (CIF) 111, also this corresponding relation can be kept at the client and block face picture processing unit (xEditor) 116.

Step 606: checking customer information.

Because this client does not preserve the client of information in bank, identity document data that bank can submit to by the checking client and the customer information of filling in be verified.The content of customer information comprises the information of transmitting by personalize card face processing subsystem (PICS) 110 in the step 605, also comprises the client subsequently by other approach, the information additional as mailing, fax, phone etc.

Step 607: audit card face picture.

Step 608: the customer information that banking subsystem (BS) 120 passes through according to checking generates bank card information, the card face picture that audit is passed through as the card face of bank card to make individualized bank cards.

Because this client does not open any account in bank as yet, the customer information of bank processing unit (BCIF) 121 and the account processing unit (BAS) 122 that need call banking subsystem (BS) 120 increase customer information and accounts information, open new bank card.After finishing above-mentioned transaction, banking subsystem (BS) 120 will generate bank card fabrication data, finish the printing of bank card by fabrication unit (CP) 123.

Scene five:

Suppose not opened as yet the client of account in bank, and also this client's customer information not in personalize card face processing subsystem (PICS) 110, the credit card main card and the supplement card (promptly once generating two credit cards) of personalize card face opened in application, the client uploads card face picture, and card face picture is edited.Figure 7 shows that scene generates the process flow diagram of personalized credit card for five times, this flow process comprises the steps:

Step 701: client terminal (CT) 100 connects personalize card face processing subsystem (PICS) 110.

Step 702: the client uploads card face picture by client terminal (CT) 100 to personalize card face processing subsystem (PICS) 110.

Step 703: the client is by many cards of client terminal (CT) 100 editors face picture.

The method that the client edits personalized photo is as described in the step 503 in the scene three, but because the client applies for two bank cards simultaneously, therefore the client is when editing picture, can import a bank card pattern, can also import two bank card patterns simultaneously, to finish the picture editor of two bank cards simultaneously.

In like manner, the present invention can also import many bank card patterns simultaneously, edits many bank card card face pictures.

Step 704: the client passes through the information of client terminal (CT) 100 card face picture after editor is confirmed in the transmission of personalize card face processing subsystem, the card face picture after personalize card face processing subsystem (PICS) 110 is edited according to the information preservation of described affirmation card face picture.

Step 705: personalize card face processing subsystem (PICS) 110 identification customer informations generate the corresponding relation of customer information and picture, and will block the face picture and corresponding client information is submitted to banking subsystem (BS) 120.

The client applies for credit card, and the requirement of customer information requires identical with step 605 in the scene four.But simultaneously,, promptly apply for two credit cards simultaneously, therefore except that needs are submitted client's customer information to, also need to submit to the customer information of supplement card because this client applies for the main card and the supplement card of credit card.

Step 706: checking customer information.

Step 707: audit card face picture.

Step 708: the customer information that banking subsystem (BS) 120 passes through according to checking generates bank card information, the card face picture that audit is passed through as the card face of bank card to make individualized bank cards.

By the customer information and the card face picture of bank's audit, banking subsystem (BS) 120 will generate bank card fabrication information, as described in step 607 in the scene four.But because this client applies for two bank cards simultaneously, the customer information of bank processing unit (BCIF) 121 and the account processing unit (BAS) 122 that therefore need call banking subsystem (BS) 120 increase customer information and accounts information, open two new bank cards.After finishing above-mentioned transaction, banking subsystem (BS) 120 will generate bank card fabrication data, and the printing by fabrication unit (CP) 123 finishes bank card comprises main card and supplement card.

Different banks is when implementing this method, can do multiple application on method of the present invention basis changes, as determine the method for operating of client terminal (CT) 100, banking terminal (BT) 130, third party's terminal 140 according to specific circumstances with demand, the form and the content of instruction, method that client terminal (CT) 100 calls and prompting etc., these contents are conspicuous when implementing, and are not described in detail at this.

The above only is preferred embodiment of the present invention, and is in order to restriction the present invention, within the spirit and principles in the present invention not all, any modification of being done, is equal to replacement, improvement etc., all should be included within protection scope of the present invention.

Claims

1. a system that generates individualized bank cards is characterized in that, this system comprises:

2. the system as claimed in claim 1 is characterized in that, described personalize card face processing subsystem comprises:

3. system as claimed in claim 2 is characterized in that, described personalize card face processing subsystem further comprises:

Optional card face storage unit is used to store alternative card face picture;

Card face styles store unit is used for storage card face pattern.

4. system as claimed in claim 3 is characterized in that, described personalize card face processing subsystem further comprises:

5. system as claimed in claim 4 is characterized in that,

Described card face picture processing unit is used to be created on ply-yarn drill face picture process software;

Described client terminal is used to download that described card face picture processing unit generated at ply-yarn drill face picture process software, and provides card face picture editor and preview function by operating in ply-yarn drill face picture process software.

6. system as claimed in claim 4 is characterized in that,

Described client terminal is used for described card face picture processing unit is passed in parameter or instruction that card face picture is edited;

7. system as claimed in claim 2 is characterized in that, described personalize card face processing subsystem further comprises:

Card face picture audit unit is used for the card face picture that client terminal is confirmed is examined.

8. the system as claimed in claim 1 is characterized in that, described banking subsystem comprises:

9. the system as claimed in claim 1 is characterized in that, the system of described generation individualized bank cards further comprises:

Third party's terminal is used for logging in personalized card face processing subsystem, submits alternative card face picture and additional information to.

10. the system as claimed in claim 1 is characterized in that, the system of described generation individualized bank cards further comprises:

Banking terminal is used for logging in personalized card face processing subsystem or banking subsystem, audit card face picture.

11. the system as claimed in claim 1 is characterized in that, described client terminal possesses and independently blocks face picture editor ability, perhaps obtains card face picture editor ability by connecting personalize card face processing subsystem.

12. the system as claimed in claim 1, it is characterized in that described client terminal comprises: possess data-handling capacity, can be connected to computing machine, mobile phone, personal digital assistant PDA, the digital TV set-top box STB of personalize card face processing subsystem by network.

13. the system as claimed in claim 1 is characterized in that, described banking subsystem comprises:

14. a method that generates individualized bank cards is characterized in that, this method comprises:

1) client terminal connects personalize card face processing subsystem;

5) checking customer information, audit card face picture;

15. method as claimed in claim 14 is characterized in that, further comprises between the described step 2 and 3: card face picture is edited by client terminal.

16. method as claimed in claim 15 is characterized in that, describedly by client terminal card face picture is compiled as: selection card face pattern, edicard face picture in the card face scope of card face pattern defined.

17. method as claimed in claim 16 is characterized in that, described card face pattern comprises: card face size, card face shape, card face key element, card face layout.

18. method as claimed in claim 17 is characterized in that, described card face shape comprises rectangle and irregularly shaped.

19. as claim 15 or 16 described methods, it is characterized in that, describedly card face picture is compiled as by client terminal: the picture process software edicard face picture that provides by client terminal, perhaps client terminal download that personalize card face processing subsystem provides at ply-yarn drill face picture process software and by at ply-yarn drill face picture process software edicard face picture.

20. method as claimed in claim 19, it is characterized in that, described by being: write down the parameter that card face picture is edited at ply-yarn drill face picture process software at ply-yarn drill face picture process software edicard face picture, and the editing parameter that is write down passed to personalize card face processing subsystem, card face picture is edited according to editing parameter by personalize card face processing subsystem; Perhaps, after ply-yarn drill face picture process software is edited card face picture, the card face picture behind the editor is synchronously passed to personalize card face processing subsystem.

21. method as claimed in claim 14, it is characterized in that, in the described step 2, by client terminal selection card face picture from personalize card face processing subsystem be: personalize card face processing subsystem provides card face picture and corresponding additional information, by search card face picture and corresponding additional information and selection card face picture.

22. method as claimed in claim 21, it is characterized in that, described additional information, its content comprise picture numbering and/or picture header and/or image content classification and/or image content explanation and/or suitable classification of picture and/or bank card Service Description; Its form comprises literal and/or picture and/or sound; Its form of expression comprises uniform resource position mark URL.

23. method as claimed in claim 14, it is characterized in that, in the described step 2, upload card face picture by client terminal to personalize card face processing subsystem and be: the card face picture that client terminal is preserved in memory device, movable storage device, the webserver is uploaded to personalize card face processing subsystem.

24. method as claimed in claim 14, it is characterized in that, in the described step 4, personalize card face processing subsystem identification customer information is: the identification of personalize card face processing subsystem is kept at the customer information in the personalize card face processing subsystem, perhaps, personalize card face processing subsystem sends the identification request to the banking subsystem, by banking subsystem inquiring customer information, and returns recognition result.

25. method as claimed in claim 14 is characterized in that, in the described step 5, the checking customer information is: the banking subsystem is verified customer information by the identity verification certificate data; Perhaps, verify customer information by the checking accounts information.

26. method as claimed in claim 14 is characterized in that, in the described step 5, audit card face picture is: examine card face picture automatically, perhaps manual examination and verification card face picture.

27. method as claimed in claim 26 is characterized in that, described automatic audit card face picture is: by judging that whether card face picture satisfies the automatic auditing rule that sets in advance and examine automatically, if satisfy then audit is passed through, otherwise audit is not passed through.

28. method as claimed in claim 14 is characterized in that, described bank card comprises: debit card, credit card and accurate credit card, and the special bank card kind of multiple Account Type combination.