CN108573446A - Bank authentication method, apparatus, equipment and readable storage medium storing program for executing - Google Patents
Bank authentication method, apparatus, equipment and readable storage medium storing program for executing Download PDFInfo
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- CN108573446A CN108573446A CN201810378285.0A CN201810378285A CN108573446A CN 108573446 A CN108573446 A CN 108573446A CN 201810378285 A CN201810378285 A CN 201810378285A CN 108573446 A CN108573446 A CN 108573446A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The present invention discloses a kind of bank authentication method, apparatus, equipment and readable storage medium storing program for executing, the method includes：It receives bank card information and debt-credit identifies, and after judging bank card information qualification, identified according to debt-credit and call user information；It determines that reference bank blocks according to user information, and when determining that bank card information is effective according to reference bank's card, judges whether the ownership bank in bank card information is cooperation loan bank；If the ownership bank in bank card information is cooperation loan bank, to default resource transfers system transmission resources transfer instruction, to carry out resource transfers to bank account corresponding with bank card information；It receives and presets the resource of resource transfers system feedbacks and produce number, and the resource of user feedback corresponding with user information is transferred to number, number is produced according to resource and resource is transferred to the consistency of number and is authenticated to bank card.The bank authentication of this programme can ensure that bank card belongs to user and is used, and certification is more fully.
Description
Technical field
The invention mainly relates to financial risks technical fields, specifically, be related to a kind of bank authentication method, apparatus,
Equipment and readable storage medium storing program for executing.
Background technology
Financial institution needs to bind bank card and carries out real-name authentication, to recognize to through real name when providing a user debt-credit
Successful bank card is demonstrate,proved to make loans；But current certification demonstrate,proves the correct of information just for the validity and user identity of bank card
Property, and be unable to ensure bound bank card and belong to user and be used, it is comprehensive to the certification of bound bank card,
And cause refund risk high.
Invention content
The main object of the present invention is to provide a kind of bank authentication method, apparatus, equipment and readable storage medium storing program for executing, it is intended to
It solves in the prior art to the certification of bank card problem that is not comprehensive, and causing refund risk high.
To achieve the above object, the present invention provides a kind of bank authentication method, the bank authentication method include with
Lower step：
It receives bank card information and debt-credit identifies, and after judging the bank card information qualification, marked according to the debt-credit
Know and calls user information；
It determines that reference bank blocks according to the user information, and is determining that the bank card is believed according to reference bank card
When ceasing effective, judge whether the ownership bank in the bank card information is cooperation loan bank；
If the ownership bank in the bank card information is cooperation loan bank, to default resource transfers system transmission resources
Transfer instruction, so that default resource transfers system is instructed according to the resource transfers to bank corresponding with the bank card information
Account carries out resource transfers；
The resource for receiving the default resource transfers system feedback produces number, and use corresponding with the user information
The resource of family feedback is transferred to number, produces number according to the resource and the resource is transferred to the consistency of number and is sticked into bank
Row certification.
Preferably, described number to be produced according to the resource and the resource is transferred to the consistency of number and is carried out to bank card
The step of certification includes：
Judge the resource to produce number and the resource whether be transferred to number consistent, if the resource produces number and institute
It states resource and is transferred to the step of number is consistent, and lasting preset times are executed to default resource transfers system transmission resources transfer instruction；
If the resource of preset times produces number and the resource is transferred to the uniform cause of number, judge that the bank card is recognized
It demonstrate,proves successfully；
If exist in preset times the arbitrary primary resource produce number and the resource to be transferred to number inconsistent, sentence
The fixed bank authentication failure.
Preferably, described to determine that reference bank blocks according to the user information, and determined being blocked according to the reference bank
When the bank card information is effective, judge that the step of whether the ownership bank in the bank card information is cooperation loan bank is wrapped
It includes：
The communication connection for inquiring mechanism with third party is established, the user information is transferred to third party's enquiry machine
Structure, and receive the third party and inquire the reference bank card that the user information is inquired by mechanism；
Judge whether the bank card information is effective according to reference bank card, if the bank card information is effective,
By in the bank card information ownership bank and the comparison of default loan bank library, determine the ownership bank with the presence or absence of in institute
It states in default loan bank library, to judge whether the ownership bank in the bank card information is cooperation loan bank.
Preferably, described to judge that the whether effective step of the bank card information includes according to reference bank card：
Judge the card number in the bank card information and the reference bank card reference card number between intersection whether be
Null value judges that the bank card information is effective if the card number and the intersection with reference between card number are not null value；Otherwise
Judge that the bank card information is invalid.
Preferably, described after judging the bank card information qualification, user information is called according to the debt-credit mark
Step includes：
The preceding presetting digit capacity word for reading card number in the bank card information, by the preceding presetting digit capacity word and default bank card
The comparison of number code database, determines target bank corresponding with the presetting digit capacity word；
Judge whether ownership bank in the bank card information and the target bank consistent, if the ownership bank and
The target bank is consistent, then judges that the bank card information is qualified, and the user information is called according to debt-credit mark.
Preferably, after the step of whether the ownership bank judged in the bank card information is cooperation loan bank
Including：
If the ownership bank in the bank card information is not the cooperation loan bank, reference bank's card is read
Home identity and the reference identification of default loan bank Ku Zhongge banks, and judge in the reference identification with the presence or absence of with
The consistent object reference mark of the home identity；
Identified if there is the object reference consistent with the home identity in the reference identification, acquisition with it is described
The bank information of the corresponding bank of object reference mark, and recommend bank in more switching home bank using the bank information as making loans
Prompt message in export.
In addition, to achieve the above object, the present invention also proposes a kind of bank authentication device, the bank authentication device
Including：
Receiving module is identified for receiving bank card information and debt-credit, and after judging the bank card information qualification, root
It is identified according to the debt-credit and calls user information；
Judgment module, for determining that reference bank blocks according to the user information, and it is true being blocked according to the reference bank
When the bank card information is effective calmly, judge whether the ownership bank in the bank card information is cooperation loan bank；
Sending module turns if being cooperation loan bank for the ownership bank in the bank card information to default resource
Move system transmission resources transfer instruction, for default resource transfers system according to the resource transfers instruct to the bank card
The corresponding bank account of information carries out resource transfers；
Authentication module, the resource for receiving the default resource transfers system feedback produce number, and with the use
The resource of the corresponding user feedback of family information is transferred to number, produces number according to the resource and the resource is transferred to the one of number
Cause property is authenticated bank card.
Preferably, the authentication module is additionally operable to：
Judge the resource to produce number and the resource whether be transferred to number consistent, if the resource produces number and institute
It states resource and is transferred to the step of number is consistent, and lasting preset times are executed to default resource transfers system transmission resources transfer instruction；
If the resource of preset times produces number and the resource is transferred to the uniform cause of number, judge that the bank card is recognized
It demonstrate,proves successfully；
If exist in preset times the arbitrary primary resource produce number and the resource to be transferred to number inconsistent, sentence
The fixed bank authentication failure.
In addition, to achieve the above object, the present invention also proposes a kind of bank authentication equipment, the bank authentication equipment
Including：Memory, processor, communication bus and the bank authentication program being stored on the memory；
The communication bus is for realizing the connection communication between processor and memory；
The processor is for executing the bank authentication program, to realize following steps：
It receives bank card information and debt-credit identifies, and after judging the bank card information qualification, marked according to the debt-credit
Know and calls user information；
It determines that reference bank blocks according to the user information, and is determining that the bank card is believed according to reference bank card
When ceasing effective, judge whether the ownership bank in the bank card information is cooperation loan bank；
If the ownership bank in the bank card information is cooperation loan bank, to default resource transfers system transmission resources
Transfer instruction, so that default resource transfers system is instructed according to the resource transfers to bank corresponding with the bank card information
Account carries out resource transfers；
The resource for receiving the default resource transfers system feedback produces number, and use corresponding with the user information
The resource of family feedback is transferred to number, produces number according to the resource and the resource is transferred to the consistency of number and is sticked into bank
Row certification.
In addition, to achieve the above object, the present invention also provides a kind of readable storage medium storing program for executing, the readable storage medium storing program for executing storage
There are one either more than one program the one or more programs to be held by one or more than one processor
Row for：
It receives bank card information and debt-credit identifies, and after judging the bank card information qualification, marked according to the debt-credit
Know and calls user information；
It determines that reference bank blocks according to the user information, and is determining that the bank card is believed according to reference bank card
When ceasing effective, judge whether the ownership bank in the bank card information is cooperation loan bank；
If the ownership bank in the bank card information is cooperation loan bank, to default resource transfers system transmission resources
Transfer instruction, so that default resource transfers system is instructed according to the resource transfers to bank corresponding with the bank card information
Account carries out resource transfers；
The resource for receiving the default resource transfers system feedback produces number, and use corresponding with the user information
The resource of family feedback is transferred to number, produces number according to the resource and the resource is transferred to the consistency of number and is sticked into bank
Row certification.
The bank authentication method of the present embodiment, when receiving bank card information and debt-credit mark, to bank card information
Whether qualification is judged, after judging bank card information qualification, is then identified according to debt-credit and is called user information；And according to
Family information determines that reference bank blocks, to block the validity for determining bank card information according to reference bank, if being blocked according to reference bank
It determines that bank card information is effective, then judges whether the ownership bank in bank card information is cooperation loan bank；If bank card is believed
Ownership bank in breath is cooperation loan bank, then to default resource transfers system transmission resources transfer instruction, for default money
Source transfer system instructs to the corresponding bank account of bank card information according to resource transfers and carries out resource transfers；It receives and presets resource
The resource of transfer system feedback produces number, and is transferred to number with the resource of the user feedback corresponding to user information, according to
This resource produces number and resource is transferred to the consistency of number and is authenticated to bank card.This programme is determined by reference to bank card
The validity of bank card information, and reference bank's card is determined by user information, characterizes bank card possessed by user, it is ensured that
Bank account corresponding to bank card information is had by user；In addition the ownership bank in bank card information is that cooperation is made loans
When bank, just resource transfers are carried out to bank account corresponding with bank card information, it is ensured that bank account, which belongs to, supports resource to turn
The bank of shifting；And resource produces number is transferred to the consistency of number with resource and then illustrates the corresponding user of user information to bank account
Resource be transferred to the Knowledge status of number, i.e. whether this bank account is user's bank account used at present, to ensure to be tied up
Fixed bank card belongs to user's bank card currently in use, carries out comprehensive certification to bank card, utmostly reduces because of silver
The certification of row card and the refund risk brought.
Description of the drawings
Fig. 1 is the flow diagram of the bank authentication method first embodiment of the present invention；
Fig. 2 is the flow diagram of the bank authentication method second embodiment of the present invention；
Fig. 3 is the high-level schematic functional block diagram of the bank authentication device first embodiment of the present invention；
Fig. 4 is the device structure schematic diagram for the hardware running environment that present invention method is related to；
Fig. 5 is the bank authentication method application scenarios schematic diagram of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific implementation mode
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of bank authentication method.
Fig. 1 is please referred to, Fig. 1 is the flow diagram of bank authentication method first embodiment of the present invention.In the present embodiment
In, the bank authentication method includes：
Step S10, receives bank card information and debt-credit identifies, and after judging the bank card information qualification, according to institute
It states debt-credit mark and calls user information；
The bank authentication method of the present invention is applied to certificate server, please refers to Fig. 5, certificate server respectively with information
Typing terminal, default money system communication of beating connect.The bank card information of required certification is passed through data input end by operator attendance
It holds typing and stores into certificate server, the validity of bank card information is judged by certificate server；It is default to beat money
System is default resource transfers system, and for carrying out resource transfers operation, wherein resource transfers operate it substantially to bank's account
The money of beating that family beat money operates, i.e., to there is the bank card of certification demand to be beaten after the instruction for receiving certificate server
The number of money, this beaten money is that resource produces number, and the resource that this is shifted, which is produced number, returns to certificate server, by recognizing
The fund number that card server is received according to user, i.e. resource are transferred to number and are authenticated to bank card.Specifically, when having pair
In borrowing process when the certification demand of bound bank card, the operator attendance of financial institution by face to face, phone, short message or wechat
Mode contact the user for handling lending and borrowing business, its bank card information and debt-credit mark are informed operator attendance by user.It is wherein silver-colored
Row card information includes the ownership bank belonging to the provided bank account of user and bank account, and debt-credit mark can be user
ID card No. can also be lending and borrowing business number, for characterizing uniqueness of the user in lending and borrowing business.Information input terminal
On be provided with display interface, be provided on display interface for input bank card information and debt-credit mark input frame, by artificial
The bank card information that will be known of attending a banquet and debt-credit mark are input to corresponding input frame in display interface, then by data input end
End is transferred to certificate server.Certificate server receives bank card information and debt-credit identifies, and judges the qualification of bank card information
Property, this qualification is judged mainly for the consistency of bank account and ownership bank in bank card information, that is, is judged
Whether the bank account in bank card information belongs to the ownership bank in bank card information.Because bank account and ownership bank by with
Family is provided, and the consistency of the two is basic demand, if both this is inconsistent, illustrates that user is unfamiliar with this bank card, no
It is the currently used bank card of user.If the bank account in bank card information belongs to the silver of the ownership in bank card information
Row that is, after bank card information qualification, then identifies according to debt-credit and calls user information, wherein user information includes but not limited to user
Name, age, ID card No., phone number etc..User handles lending and borrowing business in financial institution, will necessarily fill in its user letter
Breath, and uniqueness of the mark characterization user in lending and borrowing business is borrowed or lent money, it can be by this with the relevant information of user's lending and borrowing business
This debt-credit mark inquiry obtains；After inquiring user information by debt-credit mark, this user information is called, in order to
Subsequently bank card is authenticated.
Step S20 determines that reference bank blocks according to the user information, and described in being determined according to reference bank card
When bank card information is effective, judge whether the ownership bank in the bank card information is cooperation loan bank；
Further, after calling user information, determine that reference bank blocks further according to user information.Specifically, Yong Huxin
Breath includes the ID card No. of user, and user is required to input when handling bank card its ID card No., i.e. user
ID card No. has incidence relation with its bank card, is used to be inquired by the ID card No. in user information
All bank cards that family is handled, using this all bank card as with reference to bank card.Bank is determined again according to this reference bank card
The validity of card information, the bank account that the validity of this bank card information is used to characterize corresponding to this bank card information are really
User is had.Because reference bank's card is determined as bank card possessed by user comprising bank account, i.e. user have silver
Each bank account of row card, and in bank card information also include bank account.By in this bank card information bank account and
The bank account comparison of reference bank's card, determines that the bank account in bank card information whether there is the bank blocked with reference bank
In account, had by user if illustrating the bank account corresponding to bank card information in the presence of if really, i.e., bank card information has
Effect.In addition, because financial institution is for the supported resource transfers bank of lending and borrowing business, i.e. loan bank is restricted, just for certain
The bank account of bank is made loans, and the bank that this support is made loans is as cooperation loan bank.In view of possible bank card letter
Ownership bank in breath can not support to make loans, and such as support the ownership silver to A1, A2, A3 bank loan, and in bank card information
Behavior A4.To need whether be that cooperation loan bank judges to the ownership bank in bank card information, to determine user
Whether bank account corresponding to the bank card information of offer can be used for making loans for lending and borrowing business.Understandably, for financial institution
For, support what the bank to make loans was to determine, if the ownership bank in bank card information is determined support cooperation by this
One of loan bank then can determine that ownership bank is cooperation loan bank, else if ownership bank is not to determine that support is closed
Make one of loan bank, then judges that it is not cooperation loan bank to belong to bank.
Step S30, if the ownership bank in the bank card information is cooperation loan bank, to default resource transfers system
Send resource transfers instruction, for default resource transfers system according to the resource transfers instruct to the bank card information pair
The bank account answered carries out resource transfers；
Further, if the ownership bank in bank card information is to determine to support one of cooperation loan bank, silver
When ownership bank in row card information is cooperation loan bank, illustrate bank account corresponding with the provided bank card information of user
It can be used for resource transfers, you can for making loans, then further judge whether this bank card is the currently used bank card of user.Tool
Body, money system transmission resources transfer instruction is beaten to default, the instruction of this resource transfers is to play money instruction, and money system is beaten by default
The fund united to the random amount of money of bank account corresponding with bank card information.It wherein beats required for money instruction includes and beats the silver of money
Row account, the bank account in this bank account, that is, bank card information.It is default to beat after money system receives and play money instruction, it is silver-colored to this
Whether row account beats money, and the amount of money for beating money is the random amount of money within the scope of certain amount of money, to be that user is current to bank card
Institute is authenticated using bank card.
Step S40, the resource for receiving the default resource transfers system feedback produce number, and with the user information
The resource of corresponding user feedback is transferred to number, produces number according to the resource and resource is transferred to the consistency of number to bank
Card is authenticated.
Further, it presets and beats money system, i.e., default resource transfers system is beaten in the bank account into bank card information
After the fund of the random amount of money, by the beaten fund amount of money, i.e. resource produces number and returns to certificate server, and certificate server receives
This default resource for beating money system feedback produces number, and stores it in storage unit.Operator attendance contacts user simultaneously
User corresponding to information, user feeds back the money amount of money of beating received by its bank card by user terminal, by manually sitting
The display interface beaten the money amount of money and be input on information input terminal that seat feeds back user terminal, is transmitted by information input terminal
To certificate server, the amount of money that this user is fed back is transferred to number by certificate server as resource, and produces number according to resource
The consistency that volume and resource are transferred to number is authenticated bank card.Understandably, for the currently used bank card of user,
User should be clear that the dollar amount received by bank card, the amount of money fed back should with it is default beat money system beat money
The amount of money is consistent, i.e., the default resource for beating money system feedback produces number with the resource that user terminal is fed back and be transferred to number consistent.From
And number is produced by resource and resource is transferred to the consistency of number and certification to bank card can be realized, wherein specific step
Including：
Step S41 judges the resource to produce number and the resource whether be transferred to number consistent, if the resource produces
It is consistent that number and the resource are transferred to number, continues preset times and executes to default resource transfers system transmission resources transfer instruction
The step of；
Certificate server, can be to being stored when producing number to the default resource for beating the beaten fund of money system and storing
Resource produce number addition debt-credit mark.And operator attendance is input to data input the resource of user feedback is transferred to number
It when terminal, is similarly inputted according to debt-credit mark, and so that resource is transferred in number and also carry debt-credit mark.To basis
The resource that is stored from certificate server of debt-credit mark produces to search in number and is transferred to the corresponding resource of number with resource and produces number
This corresponding resource is produced number and resource is transferred to number comparison, judges whether the two is consistent by volume；Illustrate bank if consistent
For the received amount of money of card really to beat the amount of money of the beaten fund of money system, this bank card is that user is currently used.In order into one
Step ensures that user is not contingency event to the use of bank card, and setting repeatedly sends the machine beaten money and instructed to default money system of beating
System, the specific number for beating money are preset.I.e. it is default beat money system according to card number of the preset times into bank card information beat with
The fund of the machine amount of money produces number according to the resource for beating money every time and resource is transferred to the consistency of number, whether judges bank card
For the currently used bank card of user.
Step S42 judges bank if the resource of preset times produces number and the resource is transferred to the uniform cause of number
Card certification success；
If the resource of preset times produces number and resource is transferred to the uniform cause of number, illustrate user in this bank card
Capital Flow situation is well aware of, and can determine that bank account is user's bank account currently in use, bank authentication success.Wherein
Resource produces number and resource be transferred to number consistency judge can single judge also to unify to judge, single is judged,
Beat every time after money operation and judge resource to produce number and resource whether be transferred to number consistent, is grasped if unanimously being beaten money next time again
Make, money is beaten until completion preset times.And uniformly judge, then in all preset times after the completion of playing money operation, read every
Secondary resource produces number and resource is transferred to number, judges whether the two is consistent every time.It is multiple because being related to when unification judges
Resource produces number and multiple resources are transferred to number, to it needs to be determined that resource produces number and resource is transferred to the correspondence of number
Property, i.e., each resource beaten corresponding to money operation produces number and resource is transferred to number.Money operation is played in view of preset times
Carry out sequentially in time, when determining that resource produces number and resource is transferred to the correspondence between number, also can according to when
Between sequentially carry out, that is, come the resource before time sequencing and produce number and be transferred to number corresponding one with the resource before time sequencing is come
It is secondary to play money operation, realize that the resource for playing money operation every time produces number and is transferred to the consistency of number with resource according to this correspondence
It is unified to judge.
Step S43, if existing in preset times, the arbitrary primary resource produces number and the resource is transferred to number
It is inconsistent, judge the bank authentication failure.
If producing number in the resource of preset times and resource being transferred in the consistency judgement of number, there is arbitrary primary money
Number is produced in source and resource is transferred to that number is inconsistent, then illustrates that user is unstable to the service condition of bank card, judge bank card
Authentification failure.Because the judgement of consistency includes that single judgement and unification judge two ways, in single judgement, once it provides
Number is produced in source and resource is transferred to the inconsistent situation of number, then directly judges that bank authentication fails, without next time
Play money operation；And it is unified judge when, once occur resource produce number and resource be transferred to number it is inconsistent when, then not to not yet
The resource for carrying out consistency judgement produces number and resource is transferred to number and continues to judge, judgement bank authentication failure.In addition, examining
The case where considering occurred single inconsistency may be the contingency event of user, to which judgment threshold be arranged；At default time
Occur that resource produces number and when resource is transferred to the inconsistent number of number more than threshold value, then it is to use to illustrate this bank card not in number
The currently used bank card in family, judgement bank authentication failure improve the accuracy of judgement by the way that judgment threshold is arranged.
The bank authentication method of the present embodiment, when receiving bank card information and debt-credit mark, to bank card information
Whether qualification is judged, after judging bank card information qualification, is then identified according to debt-credit and is called user information；And according to
Family information determines that reference bank blocks, to block the validity for determining bank card information according to reference bank, if being blocked according to reference bank
It determines that bank card information is effective, then judges whether the ownership bank in bank card information is cooperation loan bank；If bank card is believed
Ownership bank in breath is cooperation loan bank, then to default resource transfers system transmission resources transfer instruction, for default money
Source transfer system instructs to the corresponding bank account of bank card information according to resource transfers and carries out resource transfers；It receives and presets resource
The resource of transfer system feedback produces number, and is transferred to number with the resource of the user feedback corresponding to user information, according to
This resource produces number and resource is transferred to the consistency of number and is authenticated to bank card.This programme is determined by reference to bank card
The validity of bank card information, and reference bank's card is determined by user information, characterizes bank card possessed by user, it is ensured that
Bank account corresponding to bank card information is had by user；In addition the ownership bank in bank card information is that cooperation is made loans
When bank, just resource transfers are carried out to bank account corresponding with bank card information, it is ensured that bank account, which belongs to, supports resource to turn
The bank of shifting；And resource produces number is transferred to the consistency of number with resource and then illustrates the corresponding user of user information to bank account
Resource be transferred to the Knowledge status of number, i.e. whether this bank account is user's bank account used at present, to ensure to be tied up
Fixed bank card belongs to user's bank card currently in use, carries out comprehensive certification to bank card, utmostly reduces because of silver
The certification of row card and the refund risk brought.
Further, described to be determined according to the user information in another embodiment of bank authentication method of the present invention
Reference bank blocks, and when determining that the bank card information is effective according to reference bank card, judges the bank card information
In ownership bank the step of whether being cooperation loan bank include：
Step S21 establishes the communication connection for inquiring mechanism with third party, the user information is transferred to the third party
Mechanism is inquired, and receives the third party and inquires the reference bank card that the user information is inquired by mechanism；
Further, reference bank's card is demonstrate,proves the bank card that number is handled by user identity, according to user information
When determining reference bank's card, the vertical communication connection of certificate server and third party's enquiry machine structure, third party inquire mechanism be with
The mechanism of qualification is inquired ID card No. and associated bank card.User information is transferred to third party and looked by certificate server
Mechanism is ask, user information is specially ID card No., and third party inquires mechanism and inquires ID card No., obtains passing through this
The bank card that ID card No. is handled.Third party inquires mechanism and the bank card that this is inquired is returned to authentication service
Device, certificate server receives this bank card, and blocks as reference bank.
Step S22 judges whether the bank card information is effective, if the bank card information according to reference bank card
Effectively, then by the bank card information ownership bank and default loan bank library compare, whether determine the ownership bank
It is present in the default loan bank library, to judge whether the ownership bank in the bank card information is to cooperate silver of making loans
Row.
Because the bank account that the validity of bank card information is used to characterize corresponding to this bank card information is had by user,
And reference bank's card inquires mechanism inquiry gained by third party, can accurately reflect bank card information possessed by user, to root
It can determine whether bank card information is effective according to reference bank's card.Specifically judgment step includes：
Judge the card number in the bank card information and the reference bank card reference card number between intersection whether be
Null value judges that the bank card information is effective if the card number and the intersection with reference between card number are not null value；Otherwise
Judge that the bank card information is invalid.
Further, third party inquires mechanism while inquiring to obtain reference bank's card by ID card No., meeting
Capture the information of reference bank's card, wherein the information captured includes reference bank block belonged to bank, reference bank's card silver
Row account etc., and the information of such crawl is returned into certificate server.Certificate server is had according to this reference bank card
Information judge that the validity of bank card information, specifically, bank card possessed by user may have multiple, that is, refer to
There are reference accounts multiple, that the account information that each reference bank is blocked blocks as each reference bank for bank card, and by each reference
Account is as the element in a set.Simultaneously using the bank account in bank card information as another set in element,
By two intersection of sets, and judge whether the results of two intersections are empty set, i.e., judge bank account in bank card information and
Whether the intersection between the reference account of reference bank's card is null value.The there is provided bank card information of user is then provided if it is null value
In bank account be not present in third party inquire mechanism inquiry gained reference bank card reference account in, user is provided
Bank card information it is inaccurate, bank card information is invalid, and the prompt message for belonging to user's bank card is replaced in output.If no
For null value, then illustrate that the bank account in the provided bank card information of user is present in the ginseng that third party inquires mechanism inquiry gained
In the reference account for examining bank card, the bank card information that user is provided is accurate, and bank card belongs to user, bank card information
Effectively.
Because financial institution is restricted to the bank for supporting to make loans, determining that the bank card information that user is provided is effective
Afterwards, it needs further to judge whether the corresponding bank account of this bank card information is the bank for supporting to make loans.Specifically.It will be financial
Mechanism supports the cooperation loan bank to make loans to form default loan bank library, by ownership bank in bank card information and default
Loan bank's library comparison judges that belonging to bank whether there is in default loan bank library, if being present in default loan bank library
In, then illustrate that the ownership bank in bank card information is the cooperation loan bank for supporting to make loans；If being not present in default silver of making loans
In row library, then it is the cooperation loan bank for supporting to make loans to illustrate the ownership bank in bank card information not, needs to believe bank card
Breath is modified, and the bank card information for the cooperation loan bank for supporting to make loans is provided.
Further, described to judge the bank card information in another embodiment of bank authentication method of the present invention
After qualification, identifying the step of calling user information according to the debt-credit includes：
Step S11 reads the preceding presetting digit capacity word of card number in the bank card information, by the preceding presetting digit capacity word and in advance
If bank's card number code database comparison, determines target bank corresponding with the presetting digit capacity word；
Further, because of the qualification of bank card information in the present embodiment mainly for bank account in bank card information and
Belong to the consistency of bank, i.e. whether the bank account in bank card information belongs to the ownership bank in bank card information.When connecing
After receiving bank card information and debt-credit mark, to the judgement that bank card information qualification is carried out, mainly pass through bank therein
Account is judged.Specifically, the present embodiment is illustrated using bank's card number as bank account, because of bank's card number of each bank
Although different, unified regulation is followed；Wherein first six digits indicate publisher's authentication code；Intermediate digit, from the 7th number
Word is initially personal account mark, is defined by bank, between 6-12；Last position is check bit, is used by each bank special
Determine algorithm, is calculated according to front long number.Because of preceding 6 characterizations publisher authentication code in bank's card number, that is, identify
The bank that bank card is belonged to, to can determine the ownership bank of bank card according to first 6 of card number in bank card information.It will
Preceding 6 numbers and corresponding bank form default bank's card number code database as element possessed by each bank, and such as 622260
Indicate that Bank of Communications's Pacific Ocean card debit card, 622200 indicate that the well-informed card debit card of Industrial and Commercial Bank of China tree peony, 622280 indicate
China Construction Bank's Alipay Long Card debit card, by this 622260,622200,622280 and its respectively corresponding represented bank
It is pre-formed bank's card number code database.Read the preceding presetting digit capacity word of card number in bank card information, this presetting digit capacity word characterization card
Number bank belonged to is set as 6, that is, reads preceding 6 bit digital of card number in bank card information, and will before this 6 accordingly
The comparison of digital and default bank's card number code database determines that bank's card number corresponding with preceding 6 bit digital encodes, then by default bank card
Correspondingly the corresponding bank indicated of bank's card number coding is determined as target bank in number code database.First 6 even read
Number is 622200, by itself and the bank card number coding versus in default bank's card number code database, determines bank's card number coding
622200, because 622200 indicate the well-informed card debit card of Industrial and Commercial Bank of China tree peony in default bank card number code database, and will be in this
Industrial and commercial bank of state is determined as target corresponding with card number in bank card information bank.
Step S12 judges whether ownership bank in the bank card information and the target bank are consistent, if described return
It is consistent with the target bank to belong to bank, then judges that the bank card information is qualified, the use is called according to debt-credit mark
Family information.
Further, after determining target corresponding with bank account in bank card information bank, judge that bank card is believed
Whether the ownership bank in breath is consistent with target bank, that is, judges ownership bank that user is provided and bank account is practical belongs to
In target bank it is whether consistent.Illustrate bank account institute in ownership bank that user is provided and bank card information if consistent
The target bank actually belonged to is consistent, and bank card information is qualified, then further calls user according to received debt-credit mark
Information.
Further, Fig. 2 is please referred to, on the basis of bank authentication method first embodiment of the present invention, proposes this hair
Bright bank authentication method second embodiment, in a second embodiment, the ownership bank judged in the bank card information
Include after the step of whether being cooperation loan bank：
Step S50 reads the reference if the ownership bank in the bank card information is not the cooperation loan bank
The home identity of bank card and the reference identification of default loan bank Ku Zhongge banks, and judge be in the reference identification
It is no to there is the object reference mark consistent with the home identity；
In this embodiment scheme, when whether being that cooperation loan bank is sentenced to the ownership bank in bank card information
When breaking, and judging that the ownership bank in bank card information is not cooperation loan bank, i.e., the bank card that user is provided is not
It supports the bank to make loans, then needs that user is prompted to replace bank card information.In order to make the bank card information that user is replaced be branch
The bank to make loans is held, then user is prompted according to the bank for supporting to make loans, and in view of supporting to put in prompt message
The bank of money may user do not have simultaneously, in order to more accurately prompt user, have to user and support the bank to make loans into
Row is recommended.Specifically, when the ownership bank in bank card information is not cooperation loan bank, then the ownership of reference bank's card is read
Mark, this home identity are used to indicate the bank that reference bank's card is belonging possessed by user, such as reference bank's card m ownership
The bank M that mark f1 is indicated it belong to.The reference identification for presetting Ku Zhongge banks of loan bank is read simultaneously, this reference identification is used
In indicating to preset the banking style respectively supported in loan bank library belonging to the cooperation loan bank to make loans, such as default cooperation is made loans
Bank n characterizes it with reference identification f2 and belongs to banking style N in bank card.Hereafter by each home identity of reading one by one and reference
Mark compares, and judges to identify with the presence or absence of the object reference consistent with home identity in reference identification, this object reference identifies institute
The bank of expression, which is user, to be had and supports the bank to make loans.
Step S60 is identified if there is the object reference consistent with the home identity in the reference identification, is obtained
The bank information of bank corresponding with object reference mark is taken, and recommends bank replacing using the bank information as making loans
Belong to and is exported in the prompt message of bank.
Further, compare one by one with reference identification by each home identity, judge exist and ownership in reference identification
When identifying consistent object reference mark, i.e., there is the bank for supporting to make loans in each bank card possessed by user.To obtain
The bank information of the corresponding bank of this object reference mark, this bank information is the recommendation bank for supporting to make loans, this bank is believed
Breath recommends bank to be exported in the more prompt message of switching home bank as making loans.The mode of output can be output to and certification
In the display device of server communication connection, user is informed by operator attendance；It can also be according to the user mobile phone in user information
Number will be prompted to information and is output to subscriber phone number in a manner of short message.Because prompt message is for prompting user to replace bank
Card, bank information is added in prompt message, and the bank to make loans is supported possessed by characterization user；Facilitate the direct basis of user
The bank card information that prompt message will provide originally is changed to the information with bank card corresponding to bank information in prompt message.
If the bank information in prompt message is to make loans to recommend bank B, then bank card information is changed to by user according to this prompt message
Its make loans recommends the bank account of bank B, i.e., will make loans and recommend bank B and make loans with B to recommend the bank of bank
Account is as new bank card information.By carrying the prompt message of bank information, facilitate the accurate quick-replaceable bank of user
Card information, to support to make loans.
In addition, please refer to Fig. 3, the present invention provides a kind of bank authentication device, in bank authentication device of the present invention the
In one embodiment, the bank authentication device includes：
Receiving module 10 is identified for receiving bank card information and debt-credit, and after judging the bank card information qualification,
It is identified according to the debt-credit and calls user information；
Judgment module 20 for determining that reference bank blocks according to the user information, and blocks according to the reference bank
When determining that the bank card information is effective, judge whether the ownership bank in the bank card information is cooperation loan bank；
Sending module 30, if being cooperation loan bank for the ownership bank in the bank card information, to default resource
Transfer system sends resource transfers instruction, for default resource transfers system according to the resource transfers instruct to the bank
The corresponding bank account of card information carries out resource transfers；
Authentication module 40, the resource for receiving the default resource transfers system feedback produce number, and with it is described
The resource of the corresponding user feedback of user information is transferred to number, produces number according to the resource and the resource is transferred to number
Consistency is authenticated bank card.
The bank authentication device of the present embodiment, it is right when receiving module 10 receives bank card information and debt-credit mark
Whether qualification is judged bank card information, after judging bank card information qualification, is then identified according to debt-credit and is called user's letter
Breath；And determine that reference bank blocks according to user information, to block the validity for determining bank card information according to reference bank, if according to
Reference bank's card determines that bank card information is effective, then judgment module 20 judges whether the ownership bank in bank card information is cooperation
Loan bank；If the ownership bank in bank card information is cooperation loan bank, sending module 30 is to default resource transfers system
System sends resource transfers instruction, so that default resource transfers system instructs bank corresponding to bank card information according to resource transfers
Account carries out resource transfers；The resource that authentication module 40 receives default resource transfers system feedback produces number, and and user
The resource of user feedback corresponding to information is transferred to number, produces number according to this resource and resource is transferred to the consistency pair of number
Bank card is authenticated.This programme determines the validity of bank card information by reference to bank card, and reference bank's card is by user
Information determines, characterizes bank card possessed by user, it is ensured that the bank account corresponding to bank card information is had by user
Have；In addition when the ownership bank in bank card information is cooperation loan bank, just to bank corresponding with bank card information account
Family carries out resource transfers, it is ensured that bank account belongs to the bank for supporting resource transfers；And resource produces number and resource amount brought forward
The consistency of volume then illustrates that user information corresponds to the Knowledge status that user is transferred to the resource of bank account number, i.e. this bank's account
Whether family is user's bank account used at present, belongs to user bank currently in use with the bank card for ensuring bound
Card carries out comprehensive certification to bank card, utmostly reduces the refund risk brought by bank authentication.
Further, in another embodiment of bank authentication device of the present invention, the authentication module is additionally operable to：
Judge the resource to produce number and the resource whether be transferred to number consistent, if the resource produces number and institute
It states resource and is transferred to the step of number is consistent, and lasting preset times are executed to default resource transfers system transmission resources transfer instruction；
If the resource of preset times produces number and the resource is transferred to the uniform cause of number, judge that the bank card is recognized
It demonstrate,proves successfully；
If exist in preset times the arbitrary primary resource produce number and the resource to be transferred to number inconsistent, sentence
The fixed bank authentication failure.
Wherein, each virtual functions module of above-mentioned bank authentication device is stored in bank authentication equipment shown in Fig. 4
In memory 1005, when processor 1001 executes bank authentication program, the work(of modules in embodiment illustrated in fig. 3 is realized
Energy.
With reference to Fig. 4, Fig. 4 is the device structure schematic diagram for the hardware running environment that present invention method is related to.
Bank authentication of embodiment of the present invention equipment can be PC (personal computer, personal computer), also may be used
To be the terminal devices such as smart mobile phone, tablet computer, E-book reader, pocket computer.
As shown in figure 4, the bank authentication equipment may include：Processor 1001, such as CPU (Central
Processing Unit, central processing unit), memory 1005, communication bus 1002.Wherein, communication bus 1002 for realizing
Connection communication between processor 1001 and memory 1005.Memory 1005 can be high-speed RAM (random access
Memory, random access memory), can also be stable memory (non-volatile memory), such as disk storage
Device.Memory 1005 optionally can also be the storage device independently of aforementioned processor 1001.
Optionally, which can also include user interface, network interface, camera, RF (Radio
Frequency, radio frequency) circuit, sensor, voicefrequency circuit, WiFi (Wireless Fidelity, WiMAX) module etc..
User interface may include display screen (Display), input unit such as keyboard (Keyboard), and optional user interface can be with
Including standard wireline interface and wireless interface.Network interface may include optionally standard wireline interface and wireless interface (such as
WI-FI interfaces).
It will be understood by those skilled in the art that bank authentication device structure shown in Fig. 4 is not constituted to bank card
The restriction of authenticating device may include either combining certain components or different components than illustrating more or fewer components
Arrangement.
As shown in figure 4, as may include operating system, net in a kind of memory 1005 of computer readable storage medium
Network communication module and bank authentication program.Operating system is management and control bank authentication device hardware and software resource
Program, support the operation of bank authentication program and other softwares and/or program.Network communication module is for realizing storage
Communication between each component in the inside of device 1005, and with communicated between other hardware and softwares in bank authentication equipment.
In bank authentication equipment shown in Fig. 4, processor 1001 is for executing the bank stored in memory 1005
Card authentication procedure realizes the step in above-mentioned each embodiment of bank authentication method.
The present invention provides a kind of readable storage medium storing program for executing, there are one the readable storage medium storing program for executing storages or more than one journey
Sequence, the one or more programs can also be executed for realizing above-mentioned silver by one or more than one processor
Step in each embodiment of row card authentication method.
It should also be noted that, herein, the terms "include", "comprise" or its any other variant are intended to non-
It is exclusive to include, so that process, method, article or device including a series of elements include not only those elements,
But also include other elements that are not explicitly listed, or further include solid by this process, method, article or device
Some elements.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including
There is also other identical elements in the process of the element, method, article or device.
The embodiments of the present invention are for illustration only, can not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical scheme of the present invention substantially in other words does the prior art
Going out the part of contribution can be expressed in the form of software products, which is stored in one as described above
In readable storage medium storing program for executing (such as ROM/RAM, magnetic disc, CD), including some instructions are used so that a station terminal equipment (can be hand
Machine, computer, server or network equipment etc.) execute method described in each embodiment of the present invention.
The foregoing is merely the preferred embodiment of the present invention, are not intended to limit the scope of the invention, every at this
Under the design of invention, using equivalent structure transformation made by description of the invention and accompanying drawing content, or directly/it is used in it indirectly
His relevant technical field is included in the scope of patent protection of the present invention.
Claims (10)
1. a kind of bank authentication method, which is characterized in that the bank authentication method includes the following steps：
It receives bank card information and debt-credit identifies, and after judging the bank card information qualification, identified and adjusted according to the debt-credit
Use user information；
It determines that reference bank blocks according to the user information, and is determining that the bank card information has according to reference bank card
When effect, judge whether the ownership bank in the bank card information is cooperation loan bank；
If the ownership bank in the bank card information is cooperation loan bank, shifted to default resource transfers system transmission resources
Instruction, so that default resource transfers system is instructed according to the resource transfers to bank account corresponding with the bank card information
Carry out resource transfers；
The resource for receiving the default resource transfers system feedback produces number, and user corresponding with the user information is anti-
The resource of feedback is transferred to number, produces number according to the resource and the resource is transferred to the consistency of number and recognizes bank card
Card.
2. bank authentication method as described in claim 1, which is characterized in that described to produce number and institute according to the resource
It states resource and is transferred to the step of the consistency of number is authenticated bank card and include：
Judge the resource to produce number and the resource whether be transferred to number consistent, if the resource produces number and the money
Source is transferred to the step of number is consistent, and lasting preset times are executed to default resource transfers system transmission resources transfer instruction；
If the resource of preset times produces number and the resource is transferred to the uniform cause of number, judge the bank authentication at
Work(；
If exist in preset times the arbitrary primary resource produce number and the resource to be transferred to number inconsistent, judge institute
State bank authentication failure.
3. bank authentication method as described in claim 1, which is characterized in that described determined according to the user information refers to
Bank card, and when determining that the bank card information is effective according to reference bank card, judge in the bank card information
Belong to that the step of whether bank is cooperation loan bank includes：
The communication connection that mechanism is inquired with third party is established, the user information, which is transferred to the third party, inquires mechanism, and
It receives the third party and inquires the reference bank card that the user information is inquired by mechanism；
Judge whether the bank card information is effective according to reference bank card, if the bank card information is effective, by institute
The ownership bank in bank card information and the comparison of default loan bank library are stated, determines that the ownership bank whether there is in described pre-
If in loan bank library, to judge whether the ownership bank in the bank card information is cooperation loan bank.
4. bank authentication method as claimed in claim 3, which is characterized in that described to judge institute according to reference bank card
Stating the whether effective step of bank card information includes：
Judge whether the intersection between the card number in the bank card information and the reference card number of reference bank card is null value,
If the card number and the intersection with reference between card number are not null value, judge that the bank card information is effective；Otherwise judge
The bank card information is invalid.
5. bank authentication method according to any one of claims 1-4, which is characterized in that described to judge the bank card
After information qualification, identifying the step of calling user information according to the debt-credit includes：
The preceding presetting digit capacity word for reading card number in the bank card information compiles the preceding presetting digit capacity word and default bank's card number
The comparison of code library, determines target bank corresponding with the presetting digit capacity word；
Judge whether ownership bank in the bank card information and the target bank are consistent, if the ownership bank and described
Target bank is consistent, then judges that the bank card information is qualified, and the user information is called according to debt-credit mark.
6. bank authentication method according to any one of claims 1-4, which is characterized in that described to judge the bank card letter
Include after the step of whether the ownership bank in breath is cooperation loan bank：
If the ownership bank in the bank card information is not the cooperation loan bank, the ownership of reference bank's card is read
Mark and default loan bank Ku Zhongge banks reference identification, and judge in the reference identification with the presence or absence of with it is described
The consistent object reference mark of home identity；
If having the object reference consistent with the home identity in the reference identification to identify, obtain and the target
Reference identification corresponds to the bank information of bank, and recommends bank's carrying in more switching home bank using the bank information as making loans
Show in information and exports.
7. a kind of bank authentication device, which is characterized in that the bank authentication device includes：
Receiving module is identified for receiving bank card information and debt-credit, and after judging the bank card information qualification, according to institute
It states debt-credit mark and calls user information；
Judgment module for determining that reference bank blocks according to the user information, and determines institute blocking according to the reference bank
State bank card information it is effective when, judge whether the ownership bank in the bank card information is cooperation loan bank；
Sending module, if being cooperation loan bank for the ownership bank in the bank card information, to default resource transfers system
System sends resource transfers instruction, for default resource transfers system according to the resource transfers instruct to the bank card information
Corresponding bank account carries out resource transfers；
Authentication module, the resource for receiving the default resource transfers system feedback produces number, and believes with the user
The resource for ceasing corresponding user feedback is transferred to number, produces number according to the resource and the resource is transferred to the consistency of number
Bank card is authenticated.
8. bank authentication device as claimed in claim 7, which is characterized in that the authentication module is additionally operable to：
Judge the resource to produce number and the resource whether be transferred to number consistent, if the resource produces number and the money
Source is transferred to the step of number is consistent, and lasting preset times are executed to default resource transfers system transmission resources transfer instruction；
If the resource of preset times produces number and the resource is transferred to the uniform cause of number, judge the bank authentication at
Work(；
If exist in preset times the arbitrary primary resource produce number and the resource to be transferred to number inconsistent, judge institute
State bank authentication failure.
9. a kind of bank authentication equipment, which is characterized in that the bank authentication equipment includes：Memory, processor, communication
Bus and the bank authentication program being stored on the memory；
The communication bus is for realizing the connection communication between processor and memory；
The processor is for executing the bank authentication program, to realize the silver as described in any one of claim 1-6
The step of row card authentication method.
10. a kind of readable storage medium storing program for executing, which is characterized in that be stored with bank authentication program, institute on the readable storage medium storing program for executing
It states realizing the bank authentication method as described in any one of claim 1-6 when bank authentication program is executed by processor
Step.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810378285.0A CN108573446B (en) | 2018-04-25 | 2018-04-25 | Bank card authentication method, device, equipment and readable storage medium |
| PCT/CN2018/093723 WO2019205279A1 (en) | 2018-04-25 | 2018-06-29 | Bank card authentication method, apparatus, device and readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810378285.0A CN108573446B (en) | 2018-04-25 | 2018-04-25 | Bank card authentication method, device, equipment and readable storage medium |
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| CN108573446A true CN108573446A (en) | 2018-09-25 |
| CN108573446B CN108573446B (en) | 2023-09-22 |
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| CN201810378285.0A Active CN108573446B (en) | 2018-04-25 | 2018-04-25 | Bank card authentication method, device, equipment and readable storage medium |
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| WO (1) | WO2019205279A1 (en) |
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|---|---|---|---|---|
| CN110909212A (en) * | 2019-10-11 | 2020-03-24 | 中国平安财产保险股份有限公司 | Bank identification code matching method and equipment |
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Also Published As
| Publication number | Publication date |
|---|---|
| CN108573446B (en) | 2023-09-22 |
| WO2019205279A1 (en) | 2019-10-31 |
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