CN104951939A - Electronic bank card system and application method thereof as well as electronic method of bank card - Google Patents
Electronic bank card system and application method thereof as well as electronic method of bank card Download PDFInfo
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- CN104951939A CN104951939A CN201510340268.4A CN201510340268A CN104951939A CN 104951939 A CN104951939 A CN 104951939A CN 201510340268 A CN201510340268 A CN 201510340268A CN 104951939 A CN104951939 A CN 104951939A
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- 230000003993 interaction Effects 0.000 claims description 7
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- 230000033228 biological regulation Effects 0.000 description 2
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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Abstract
The invention relates to an electronic bank card system and an application method thereof. The electronic bank card system consists of four parts, namely a terminal, an application server, a bank system and transaction facility; component equipment interacts data through a network; the electronic bank card system provides the functions of bank card information electronization and electronic bank card transaction application. According to the electronic bank card system and the application method thereof disclosed by the invention, on the premise that the use safety of bank cards is guaranteed, original transaction function and consumption function of entity bank cards are retained, and the entity bank cards are virtualized into electronic bank cards based on mobile terminal equipment, so that the portability and the use convenience of the bank cards are improved; the use safety of the electronic bank cards is guaranteed by two-dimensional code card numbers, which are correlated with the specified mobile terminal equipment and has randomness, instantaneity and uniqueness, of the bank cards and an update mechanism of the two-dimensional code card numbers, so that the condition that the electronic bank cards are embezzled by screenshot, photograph, figure theft and other modes is effectively prevented.
Description
Technical Field
The invention relates to a system for virtualizing an entity bank card into an electronic bank card, an application method of the system and an electronization method of the bank card.
Background
Daily people carry a plurality of entity bank cards for consumption, and merchants install card swiping tools such as POS machines and the like to be matched with mass consumption habits so as to collect money. However, as the competition among banks is increased and the demand for mass financing is increased, bank cards such as savings cards and credit cards which need to be managed and carried by people are gradually increased, the difficulty in keeping the bank cards is increased, the bank cards are easily damaged and lost, and the portability of the bank cards is reduced.
With the continuous popularization of the mobile interconnection technology and related applications thereof, the intelligent mobile terminal equipment has been integrated into the daily life of people and becomes an indispensable part. In order to solve the problem of portability of bank cards and improve the consumption convenience of people, certain manufacturers bind the bank cards to terminal equipment through the cooperative relationship with banks to provide a consumption deduction function. The mode can improve the convenience of the bank card and expand the application range of the bank card to a certain extent, but cannot replace the existence of the entity bank card, and simultaneously causes the new use safety problem of the bank card. For example, the function expansion of the application is carried out by an industrial manufacturer according to the main operation business of the industrial manufacturer, so that the risk of stealing the information of the application account and the bank card is increased; the application can not be bound with the mobile terminal device usually, and the stolen account number can be logged in and used on any device, so that the risk of stealing the bank card is increased.
The safety of the use of bank cards is a key point of most concern. The bank uses the bank card number as the only identification of the bank card, and in order to ensure the use safety of the bank card, the bank card number needs to be matched with a verification mechanism to ensure the use safety of the bank card. The technology of encrypting the card number of the bank card by using a common encryption mechanism to generate a corresponding bar code or two-dimensional code and the like to replace the card number of the bank card in a plaintext will cause the theft of the bank card by means of screenshot, photographing or image stealing and the like. The mode can not meet the use safety requirement of people on the electronic bank card.
Disclosure of Invention
The invention aims to keep the original transaction function and consumption function of the entity bank card on the premise of ensuring the use safety of the bank card, realize the virtualization of the entity bank card into the electronic bank card based on the mobile terminal equipment and improve the portability and the use convenience of the bank card.
According to one aspect of the invention, an electronic bank card system is provided, which comprises a terminal, an application server, a bank system and a transaction device; the terminal and the application server interact data through a mobile communication network, the application server and the bank system interact data through a broadband communication network, the bank system and the transaction equipment interact data through the broadband communication network, and the transaction equipment and the terminal interact data through a special scanning device of an electronic bank card system.
According to another aspect of the present invention, there is also provided an application method of an electronic bank card system, which completes transaction application of an electronic bank card through data interaction among a terminal application, a mobile terminal device, an application server, a bank system and a transaction device, the application method including the steps of:
the terminal application uploads the unique equipment identification information of the mobile terminal equipment currently logging in the application to an application server;
the application server updates the binding relationship between the current login user and the mobile terminal equipment according to the obtained information;
the application server generates a bank card encryption card number according to the obtained information and transmits the bank card encryption card number to the terminal application;
the terminal application displays the clear text card number and the encrypted card number of the bank card;
the transaction equipment reads equipment information and a bank card encryption card number applied by the terminal from the terminal equipment, and transmits the obtained information to the application server through a bank system;
and the application server verifies the obtained information, if the verification result is inconsistent, the operation is terminated, and if the verification result is consistent, the verification is passed.
In some embodiments, the transaction application method of the electronic bank card further includes the steps of:
when the verification result is matched and the verification is passed, the application server informs the user to input the bank password through the terminal application and the transaction equipment;
the user inputs the bank password through the terminal application or the transaction equipment, the bank password is verified through the bank system, if the verification result is inconsistent, the transaction operation is terminated, and if the verification result is consistent, the transaction verification is passed.
In some embodiments, the data uploaded by the terminal application to the application server includes a unique identifier of the mobile terminal device currently logged into the application.
In some embodiments, the application server generates a bank card encryption card number according to the obtained information, wherein the obtained information includes the bank card number and a device unique identification code of the mobile terminal device currently logging in the application, and the application server generates the bank card encryption card number according to the electronic bank card number, the unique identification code of the mobile terminal device and an encryption algorithm with a random mechanism.
In some embodiments, when the terminal application displays the clear text card number and the encrypted card number of the bank card, and when the user switches the current screen display interface, automatically refreshes or manually refreshes, the application server regenerates the encrypted card number of the bank card, and synchronously updates the encrypted card number of the bank card displayed in the terminal application.
In some embodiments, the user may choose to enter a bank password in the transaction device or the terminal application, which when entered in the terminal application, makes the bank password entry through an out-of-order or virtual keyboard.
According to another aspect of the present invention, there is also provided an electronic method for a bank card, which can complete information electronization of the bank card through data interaction among a terminal application, a mobile terminal device, an application server, a banking system and a transaction device, the method for electronizing the bank card including the following three steps:
the terminal application uploads user information to an application server for verification and storage, and user information registration is completed;
the terminal application uploads new card opening information applied by a user to transact a new electronic bank card on line;
the terminal application uploads the information of the physical bank card owned by the user stock to transact the electronic bank card function of the stock bank card on line.
In some embodiments, the terminal application requires the provision of an application password that authenticates the user to use the terminal application when registering user information.
In some embodiments, the application password comprises a local application password and a server application password, the local application password is stored in the mobile terminal device, and the server application password is uploaded and stored in the application server in an encrypted manner; the local application password is used for acquiring data stored in the mobile terminal equipment by the terminal application, and the server application password is used for acquiring instant data of the application server; the applied password adopts the biological identification technologies including character combination, image identification technology, fingerprint identification technology, face portrait identification technology and the like as password data.
The electronic bank card system and the application method thereof have the beneficial effects that the electronic bank card system and the application method thereof at least have the following technical effects: on the premise of ensuring the use safety of the bank card, the original transaction function and consumption function of the entity bank card are reserved, the entity bank card is virtualized into an electronic bank card based on mobile terminal equipment, and the carrying portability and the use convenience of the bank card are improved; the electronic bank card ensures the use safety of the bank card through the bank card two-dimensional code number which is related to the specific mobile terminal equipment and has randomness, instantaneity and uniqueness and an updating mechanism thereof, and effectively prevents the electronic bank card from being embezzled by using modes of screenshot, photographing, picture stealing and the like.
Drawings
Fig. 1 is a schematic system structure diagram of an electronic bank card system according to an embodiment of the present invention;
fig. 2 is a schematic diagram of the cooperation of "user registration application" in the method for electronizing a bank card according to an embodiment of the present invention;
FIG. 3 is a collaboration diagram of "user new card open" of the method for electronizing bank cards according to an embodiment of the present invention;
FIG. 4 is a collaboration diagram of "user adds credit card" of the method for electronizing bank cards according to an embodiment of the present invention;
fig. 5 is a collaboration diagram of "application of electronic bank card to ATM machine" of the method for applying electronic bank card system according to an embodiment of the present invention;
fig. 6 is a collaboration diagram of "application of electronic bank card to POS" of the method for applying electronic bank card system according to an embodiment of the present invention;
fig. 7 is a sequence diagram of a "user registration application" of the method for electronizing a bank card according to an embodiment of the present invention;
FIG. 8 is a timing diagram of "user opens card" of the method for electronizing bank cards according to an embodiment of the present invention;
FIG. 9 is a timing diagram of "user adds credit card" of the method for electronizing bank cards according to an embodiment of the present invention;
fig. 10 is a sequence diagram of "application of electronic bank card to ATM machine" of the method for applying electronic bank card system according to an embodiment of the present invention;
fig. 11 is a sequence diagram of "application of electronic bank card to POS" in the method for applying electronic bank card system according to an embodiment of the present invention.
Detailed Description
In order that the invention may be more fully understood, specific examples are set forth below. This invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete.
The invention is described in further detail below with reference to the accompanying drawings.
1. Electronic bank card system
The electronic bank card system used for solving the core problems and the technical problems is composed of four parts of components, including a terminal, an application server, a bank system and a transaction device. The terminal refers to a mobile terminal device and a special terminal application (hereinafter referred to as "terminal application") of an electronic bank card system installed in the device; the application server refers to an application server (hereinafter referred to as "application server") special for the electronic bank card system; the bank system is a transaction system used by the current bank; the transaction device refers to an ATM machine and a POS machine, wherein the transaction device is provided with a scanning and reading device (hereinafter referred to as "scanning device") dedicated to an electronic bank card system by default. The devices interact with each other through mobile communication network and other network communication technology, as shown in fig. 1. Wherein,
1) the mobile terminal equipment is a hardware carrier of terminal application;
2) the terminal application provides functions of registering and logging the electronic bank card and other banking operations for the user, and the main functions include but are not limited to: registering and logging in, transacting a new electronic bank card, adding a stock physical bank card into the electronic bank card, and displaying and consuming the electronic bank card;
3) the application server is the core of the electronic bank card system, and the main functions include but are not limited to: verifying the authenticity of the information of the registered user, storing the information of the user, managing an electronic bank card related to the user, encrypting and verifying an application password of the user, including but not limited to generating a two-dimensional code card number of the bank card by encrypting according to the card number of the bank card, a unique identification code of equipment of current login application and an encryption algorithm with a random encryption mechanism, verifying the two-dimensional code card number of the bank card, and performing data interaction with a terminal application and a bank system;
4) the banking system refers to a banking system used by a current bank, and has main functions including but not limited to: encrypting, storing and verifying bank passwords, and performing data interaction with the application server, the ATM and the POS machine;
5) the ATM is an ATM provided with scanning equipment, and other functions are consistent with those of a conventional ATM;
6) the POS machine is a POS machine provided with scanning equipment, and other functions are consistent with those of a conventional POS machine;
7) the scanning device has a two-dimensional code scanning function, a near field induction reading technology (such as NFC, bluetooth or other near field induction reading technologies) and other information reading technologies, and can read the terminal application and the related verification information of the mobile terminal device.
2. Application method of electronic bank card system
The electronic bank card system application method adopted for solving the core problems and the technical problems is based on the electronic bank card system, and the cooperative interaction between system components realizes two basic functions of 'bank card information electronization' and 'electronic bank card transaction application'. The 'bank card information electronization' refers to a function of virtualizing a traditional entity bank card into an electronic bank card through a system, and comprises 'user registration application', 'user new card opening' and 'user added credit card'; the electronic bank card transaction application refers to application functions of the electronic bank card in a specific transaction scene, and comprises application of the electronic bank card in an ATM (automatic teller machine) and application of the electronic bank card in a POS (point of sale) machine. The invention discloses a method for realizing the electronization of bank card information, which is a technical premise of the invention and realizes the transfer from an entity bank card to an electronic bank card; the electronic bank transaction application is the technical core of the invention, and realizes the transaction and consumption functions of the electronic bank card on the premise of ensuring the use safety of the electronic bank card.
The system application method of the present invention is explained in terms of functional points as follows:
1. system application method of' user registration application
The purpose is as follows: and uploading the user information to an application server for verification and storage, and successfully setting an application password by the user registration.
The cooperation process of the technical scheme is shown in the attached figure 2, and the application steps are as follows:
1.1. on the mobile terminal equipment with the installed terminal application, the terminal application receives and uploads the registration information of the user to an application server;
1.2. the application server carries out system verification and manual verification on the registration information, and after the verification is passed, a verification result is fed back to the terminal application;
1.3. the terminal application receives an application password set by a user and synchronizes the password to an application server, wherein the application password is divided into a local application password and a server application password, the local application password is stored in the mobile terminal equipment, and the server application password is uploaded and stored in the application server in an encrypted manner;
1.4. and the application server receives and feeds back that the application password is successfully set, namely the registration function is completed.
2. System application method for' user newly opening card
The purpose is as follows: the function of transacting the electronic bank card on line is provided for the user.
The cooperation process of the technical scheme is shown in the attached figure 3, and the application steps are as follows:
2.1. the 'new card opening' function in the terminal application receives and uploads the information of the user applying for the new bank card to the application server
2.2. The application server carries out system verification and manual verification on the application information, after the verification is passed, a verification result is fed back to the application server, and the application server feeds back the verification result to the terminal application;
2.3. the terminal application receives a bank card password set by a user and synchronizes the password to the application server, wherein the bank card password is input and set by a disordered virtual keyboard or other technologies with input security guarantee;
2.4. the application server synchronously applies information and bank card passwords thereof to the bank system, and the bank system newly builds the bank card information and feeds the bank card information back to the application server;
2.5. and the application server binds the user information and the newly-built bank card information and feeds back an application result to the terminal application.
3. System application method of' adding storage card by user
The purpose is as follows: the function of converting the stock of physical bank cards into electronic bank cards on line is provided for users. The cooperation process of the technical scheme is shown in the attached figure 4, and the application steps are as follows:
3.1. the function of 'stock card' in the terminal application receives and uploads the information of the bank card filled in by the user to the application server
3.2. The application server uploads the bank card information of the user stock to a bank system for verification, and after the verification is passed, the verification result and the bank card information are fed back to the application server;
3.3. the application server binds the user information and the bank card information and feeds back the operation result to the terminal application.
4. System application method of' application of electronic bank card in ATM
The purpose is as follows: and providing the application function of the electronic bank card on the ATM for the user.
The cooperation process of the technical scheme is shown in the attached figure 5, and the application steps are as follows:
4.1. the method comprises the steps that an electronic bank card function in terminal application uploads equipment unique identification information of mobile terminal equipment of current login application to an application server, and the application server updates the binding relationship between a current login user and the mobile terminal equipment;
4.2. the application server generates and transmits two-dimensional code data to the terminal application according to the currently selected electronic bank card number, the device unique identifier of the mobile terminal device and an encryption algorithm with a random mechanism, wherein the two-dimensional code is called the bank card two-dimensional code number;
4.3. the terminal application displays the clear text card number and the two-dimensional card number of the bank card, and has the following functions: once the user switches the current screen display interface, the application server regenerates the two-dimension code number data of the bank card and synchronously updates the information of the two-dimension code number of the bank card displayed in the terminal application;
4.4, a scanning device installed on the ATM reads the two-dimensional code card number of the bank card in the terminal application and the unique device identifier of the mobile terminal device;
4.5. the scanning equipment accesses the read information to an application server through the ATM and the bank system for verification, and the application server feeds back a verification result to the ATM and the terminal application after the verification is passed;
4.6, bank card passwords can be input into the ATM and the terminal application, the ATM verifies the passwords through interaction with a bank system, and the terminal application accesses the bank system through the application server to verify the passwords;
4.7. after the bank system passes the verification password, the verification result is fed back to the ATM and the terminal application, and the conventional banking business can be operated through the ATM.
5. System application method of' application of electronic bank card in POS machine
The purpose is as follows: and providing the application function of the electronic bank card on the POS machine for the user.
The cooperation process of the technical scheme is shown in the attached figure 6, and the application steps are as follows:
5.1. the method comprises the steps that an electronic bank card function in terminal application uploads equipment unique identification information of mobile terminal equipment of current login application to an application server, and the application server updates the binding relationship between a current login user and the mobile equipment;
5.2. the application server generates and transmits two-dimensional code data to the terminal application according to the currently selected electronic bank card number, the device unique identifier of the mobile terminal device and an encryption algorithm with a random mechanism, wherein the two-dimensional code is called the bank card two-dimensional code number;
5.3. the terminal application displays the clear text card number and the two-dimensional card number of the bank card, and has the following functions: once the user switches the current screen display interface, the application server regenerates the two-dimension code number data of the bank card and synchronously updates the information of the two-dimension code number of the bank card displayed in the terminal application;
5.4, the POS machine sets transaction amount, and reads the two-dimensional code card number of the bank card and the unique equipment identifier of the mobile terminal equipment in the terminal application through scanning equipment installed on the POS machine;
5.5. the scanning equipment accesses the read information to an application server through the POS machine and the bank system for verification, after the verification is passed, the application server feeds back a verification result to the POS machine and a terminal application, and the terminal application displays the transaction amount and other transaction information;
5.6, the POS machine and the terminal application can input bank card passwords, the POS machine verifies the passwords through interacting with a bank system, and the terminal application accesses the bank system through the application server to verify the passwords;
5.7. and after the bank system passes the verification password, feeding back a verification result to the POS machine and the terminal application, namely the transaction is successful, and finishing the subsequent transaction flow by the POS machine.
3. Technical characteristics of electronic bank card system and application method thereof
● in the invention, the terminal application receives and uploads the user registration information to the application server, the application server stores the registration information, and the application server system provides the system verification and manual verification functions.
● in the system and method of the invention, the user needs to set the application password, wherein, the application password includes the local application password and the server application password, the application password can adopt but not limited to the character combination, the image recognition technology, the fingerprint recognition technology, the face portrait recognition technology and other biological recognition technology as the application password.
● in the system and method of the invention, the local application password is used to open the terminal application in the mobile terminal to check the off-line information, and the server application password is used to log in the application server.
● in the system and method of the invention, the local application password is stored on the mobile terminal device or the application server for system verification, the server application password must be stored on the application server for system verification.
● the invention provides the function of on-line handling electronic bank card for users.
● in the invention, the terminal uses the disordered virtual keyboard or other technique with security input to set the bank card password.
● in the invention, the application server synchronizes the new card-opening data of the user and the bank card password to the bank system, and the bank system creates the bank card information and feeds back to the application server.
● the invention provides a function for converting the stored bank card into electronic bank card on line for the user, the terminal application receives the user information, and accesses the bank system to verify and bind the relationship between the user and the bank card through the application server.
● in the system and method, the function of 'electronic bank card' in the terminal application uploads the unique identification information of the mobile terminal device currently logging in the application to the application server, the upload content includes but is not limited to: the IMEI code of the equipment or other unique identification codes of the equipment, and the application server updates the binding relationship between the current login user and the mobile equipment.
● in the invention, the terminal application is based on the selected electronic bank card, the application server generates and transmits the two-dimension code data to the terminal application based on the selected card number, the unique device identifier (including IMEI code or other unique device identifier) of the mobile terminal device and the encryption algorithm with random mechanism, the two-dimension code is called the card number of the bank card.
● in the electronic bank card system and the application method thereof of the invention, the terminal application displays the clear text card number and the two-dimension card number of the bank card, and has the following functions: when the user switches the current screen display interface, automatically refreshes or manually refreshes, the application server regenerates the data of the two-dimensional card number of the bank card and synchronously updates the information of the two-dimensional card number of the bank card displayed in the terminal application.
● in the invention, the scanning device installed on ATM and POS machine reads the two-dimension code card number of bank card and the unique device identifier of mobile terminal device, wherein the scanning device has the information reading function such as two-dimension card number scanning function, near-field induction reading function (including but not limited to NFC, Bluetooth or other near-field induction reading technology);
● the electronic bank card system and the application method thereof of the invention provides the function of inputting bank password in the application of ATM, POS machine or mobile terminal device, the ATM and POS machine verifies the password by interacting with the bank system, the bank password is accessed to the bank system for verification by the application server.
● in the invention, the terminal uses the virtual keyboard to input bank password in disorder or safety guarantee technology.
● in the invention, the POS machine reads the information of the electronic bank card to trade, and the terminal application displays the trade information such as the trade amount.
● in the invention, the two-dimension code card number of the bank card can be replaced or coexisted with other graphic codes (such as bar code, character combination code) or other identification codes, which belongs to the design scope of the invention.
● in the electronic bank card system and the application method thereof, any scanning device capable of reading information such as two-dimensional codes, bar codes, unique identification codes of devices and the like described in the invention belongs to the design scope of the invention.
● in the invention, the invention is not limited to ATM and POS machine, and the scanning device with the function and the transaction device with the bank transaction function belong to the invention design category.
4. Technical effects
The electronic bank card system and the application method thereof have the following technical effects: on the premise of ensuring the use safety of the bank card, the original transaction function and consumption function of the entity bank card are reserved, the entity bank card is virtualized into an electronic bank card based on mobile terminal equipment, and the carrying portability and the use convenience of the bank card are improved; the electronic bank card ensures the use safety of the bank card through the bank card two-dimensional code number which is related to the specific mobile terminal equipment and has randomness, instantaneity and uniqueness and an updating mechanism thereof, and effectively prevents the electronic bank card from being embezzled by using modes of screenshot, photographing, picture stealing and the like.
5. Detailed description of the preferred embodiments
1. The example steps of "user registration application" implement the timing scenario as shown in fig. 7:
1.1. the user downloads the terminal application by using the mobile terminal device, fills in terminal application registration information (including but not limited to a real name, an identification card number, a mobile phone number, an identification card original photo, a personal photo and an identification card original photo (the photo rule is set by a bank)), and uploads the registration information to the application server.
1.2. The application server performs system verification on the registration information, and the verification content includes but is not limited to: and calling a public security system to detect whether the identity card information is matched or not, and calling an operator system to detect whether the mobile phone number is a real-name registration number of the registrant or not.
1.3. The bank manually verifies the registration information verified by the system through the management function provided by the application server, and the verification contents include but are not limited to: whether the data uploaded by the user accords with the business regulations or not, and whether the personal photos on the original copy of the user and the identity card are the same person or not.
1.4. And after the system verification and the manual verification pass, the application server notifies the user of successful registration through a terminal application notification or a short message, and the user is prompted to set an application password through the short message.
1.5. The user sets a local application password and a server application password in the terminal application, the local application password is stored in the mobile terminal device, and the server application password is uploaded and stored in the application server.
1.6. And the application server receives and feeds back that the application password is successfully set, namely the registration function is completed.
2. The implementation sequence of the embodiment steps of "new card opening by user" is shown in fig. 8:
2.1. and the user opens the terminal application, inputs the local application password and the server application password, and logs in the application after the authentication is passed.
2.2. The user selects a 'new card opening function' in the terminal application, fills in information (including but not limited to the type of the bank card, a bank card transaction protocol, a short message verification code of a mobile phone, a personal identification card original photo and a photo rule set by a bank) required by applying for a new bank card on line, and uploads the new card opening information to the application server.
2.3. The bank carries out system verification and manual verification on the new card-opening data uploaded by the user through the management function provided by the application server, and the verification contents include but are not limited to: whether the information of the identity card is real or not, whether the data uploaded by the user meets the business regulations or not, and whether the personal photos on the original copy of the identity card are the same as the personal photos on the original copy of the user or not.
2.4. After the system verification and the manual verification pass, the application server prompts the user to set the bank card password through short message.
2.5. The user sets the bank card password in the terminal application by a disordered virtual keyboard or other technologies with security input and uploads the bank card password to the application server.
2.6. The application server synchronizes the new card-opening data of the user and the bank card password thereof to the bank system, and the bank system newly establishes the bank card information and feeds back the bank card information to the application server.
2.7. The application server binds the personal information of the user with the information of the newly-built bank card, and the terminal application notice or the short message notice is used for notifying the user that the newly-built bank card is successfully opened, namely the function of newly-built bank card is completed.
3. The implementation sequence of the embodiment steps of "adding a memory card by a user" is shown in fig. 9:
3.1. and the user opens the terminal application, inputs the local application password and the server application password, and logs in the application after the authentication is passed.
3.2. The user selects the function of adding the stock card in the terminal application, fills in information (including but not limited to the card number of the stock bank card, the real name of the user, the ID card number, the short message verification code of the mobile phone and the like) required by verifying the stock bank card on line, and uploads the information of the stock bank card to the application server.
3.3. The application server uploads the data of the user stock card to a bank system for verification, and after the bank system passes the verification, the information of the stock bank card is fed back to the application server.
3.4. The application server binds the user information with the information of the stock bank card, and the terminal application informs or short messages inform the user that the new card opening is successful, namely the function of adding the stock card is completed.
4. The implementation sequence of the embodiment steps of the application of the electronic bank card in the ATM is shown in fig. 10:
4.1. and the user opens the terminal application, inputs the local application password and the server application password, and logs in the application after the authentication is passed.
4.2. The terminal application automatically uploads the information of the mobile terminal equipment of the current login application to an application server, and the uploading content comprises but is not limited to: the IMEI code of the device or other unique identification code of the device; and the application server updates the binding relationship between the current login user and the mobile terminal equipment.
4.3. The user selects the electronic bank card, the application server generates two-dimensional code data according to the currently selected bank card number, the IMEI code (or other unique identification codes of the equipment) of the equipment and an encryption algorithm with a random mechanism and transmits the two-dimensional code data to the terminal application of the user, and the terminal application displays the clear card number of the bank card and the two-dimensional code number of the bank card after encryption.
4.4. The user contacts or places the mobile terminal device on a scanning device of the ATM machine to read information, and the reading content includes but is not limited to: the two-dimensional card number of the bank card, the IMEI code of the equipment or other unique identification codes of the equipment.
4.5. The scanning device accesses the read information to the application server through the ATM and the bank system for verification, and after the verification is passed, the application server feeds back a verification result to the ATM and the terminal application.
4.6. The user may choose to enter the bank password by entering it in the ATM or terminal application; and when the bank password is input through the terminal application, the bank password is uploaded to the application server and is accessed to a bank system for verification.
4.7. The bank password passes the verification of the bank system, and the user successfully logs in the ATM to carry out conventional banking operation.
5. The implementation sequence of the embodiment steps of the application of the electronic bank card to the POS machine is shown in fig. 11:
5.1. and the user opens the terminal application, inputs the local application password and the server application password, and logs in the application after the authentication is passed.
5.2. The terminal application automatically uploads the information of the mobile terminal equipment of the current login application to an application server, and the uploading content comprises but is not limited to: the IMEI code of the device or other unique identification code of the device; and the application server updates the binding relationship between the current login user and the mobile equipment.
5.3. The user selects the electronic bank card, the application server generates two-dimensional code data according to the currently selected bank card number, the IMEI code (or other unique identification codes of the equipment) of the equipment and an encryption algorithm with a random mechanism and transmits the two-dimensional code data to the terminal application of the user, and the terminal application displays the clear card number of the bank card and the two-dimensional code number of the bank card after encryption.
5.4. The payee enters the transaction amount at the POS.
5.5. The user contacts or places the mobile terminal device on a scanning device provided in the POS machine to read information, where the read information includes but is not limited to: the two-dimensional card number of the bank card, the IMEI code of the equipment or other unique identification codes of the equipment.
5.6. The scanning device accesses the read information to an application server through the POS machine and the bank system for verification, and after the verification is passed, the application server feeds back a verification result to the POS machine and the terminal application.
5.7. The terminal application displays transaction information such as transaction amount and the like, and a user can select to input a bank password in the POS machine or the terminal application; and when the bank password is input through the terminal application, the bank password is uploaded to the application server and is accessed to a bank system for verification.
5.8. The bank password is verified by the bank system, namely the transaction is successful, and the POS machine completes the subsequent transaction flow.
While the invention has been described with reference to specific embodiments, it will be understood by those skilled in the art that various changes may be made and equivalents may be substituted without departing from the scope of the invention. In addition, many modifications and variations may be made to the present invention to the particular situation or material without departing from the scope of the present invention. Therefore, it is intended that the invention not be limited to the particular embodiment disclosed, but that the invention will include all embodiments falling within the scope of the appended claims.
Claims (10)
1. An electronic bank card system is characterized by comprising a terminal, an application server, a bank system and transaction equipment; the terminal and the application server interact data through a mobile communication network, the application server and the bank system interact data through a broadband communication network, the bank system and the transaction equipment interact data through the broadband communication network, and the transaction equipment and the terminal interact data through a scanning device special for an electronic bank card system.
2. An application method of the electronic bank card system based on claim 1, characterized in that the transaction application of the electronic bank card is completed through data interaction among the terminal application, the mobile terminal device, the application server, the bank system and the transaction device, and the application method comprises the following steps:
the terminal application uploads the unique equipment identification information of the mobile terminal equipment currently logging in the application to the application server;
the application server updates the binding relationship between the current login user and the mobile terminal equipment according to the obtained information;
the application server generates a bank card encryption card number according to the obtained information and transmits the bank card encryption card number to the terminal application;
the terminal application displays the clear text card number and the encrypted card number of the bank card;
the transaction equipment reads equipment information and a bank card encryption card number applied by the terminal from the terminal equipment and transmits the obtained information to the application server through the bank system;
and the application server verifies the obtained information, if the verification result is that the information is not matched with the application server, the operation is terminated, and if the verification result is that the information is matched with the application server, the verification is passed.
3. The method for applying the electronic banking card system according to claim 2, wherein the transaction application method of the electronic banking card further comprises the steps of:
when the verification result is that the verification is passed if the verification result is matched, the application server informs the user to input a bank password through the terminal application and the transaction equipment;
and the user inputs a bank password through the terminal application or the transaction equipment, the bank password is verified by the bank system, if the verification result is inconsistent, the transaction operation is terminated, and if the verification result is consistent, the transaction verification is passed.
4. The application method of the electronic bank card system according to claim 2, wherein the data uploaded to the application server by the terminal application includes a unique identification code of the mobile terminal device currently logged in the application.
5. The application method of the electronic bank card system according to claim 2, wherein the application server generates a bank card encryption card number according to the obtained information, the obtained information includes the bank card number and the device unique identification code of the mobile terminal device currently logging in the application, and the application server generates the bank card encryption card number according to the electronic bank card number, the unique identification code of the mobile terminal device and an encryption algorithm with a random mechanism.
6. The application method of the electronic bank card system according to claim 2, wherein when the terminal application displays the clear text card number and the encrypted card number of the bank card, when the user switches the current screen display interface, automatically refreshes or manually refreshes, the application server regenerates the encrypted card number of the bank card, and synchronously updates the encrypted card number of the bank card displayed in the terminal application.
7. The method as claimed in claim 3, wherein the user can select to input a bank password in the transaction device or the terminal application, and when the bank password is input in the terminal application, the terminal application performs the bank password input through the out-of-order or virtual keyboard.
8. The method for electronizing bank card based on electronic bank card system as claimed in claim 1 is characterized by that it utilizes the data interaction between the described terminal application, mobile terminal equipment, application server, bank system and transaction equipment to implement information electronization of bank card, and said method includes the following three steps:
the terminal application uploads user information to the application server for verification and storage, and user information registration is completed;
the terminal application uploads new card opening information requested by a user to transact a new electronic bank card on line;
and the terminal applies the function of uploading the information of the physical bank card owned by the user stock to transact the electronic bank card of the stock bank card on line.
9. The method of claim 8, wherein the terminal application requires providing an application password for authenticating the user to use the terminal application when registering the user information.
10. The method for electronizing the bank card according to claim 8, wherein the application password comprises a local application password and a server application password, the local application password is stored in the mobile terminal device, and the server application password is uploaded and stored in the application server in an encrypted manner; the local application password is used for acquiring data stored in the mobile terminal equipment by the terminal application, and the server application password is used for acquiring instant data of the application server; the application password adopts biological identification technologies such as character combination, image identification technology, fingerprint identification technology, face portrait identification technology and the like as password data.
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| CN201510340268.4A CN104951939A (en) | 2015-06-09 | 2015-06-09 | Electronic bank card system and application method thereof as well as electronic method of bank card |
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| CN201510340268.4A CN104951939A (en) | 2015-06-09 | 2015-06-09 | Electronic bank card system and application method thereof as well as electronic method of bank card |
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