CN110555681A - Bank card signing method, device, server and medium - Google Patents
Bank card signing method, device, server and medium Download PDFInfo
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- CN110555681A CN110555681A CN201910707815.6A CN201910707815A CN110555681A CN 110555681 A CN110555681 A CN 110555681A CN 201910707815 A CN201910707815 A CN 201910707815A CN 110555681 A CN110555681 A CN 110555681A
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- 238000000034 method Methods 0.000 title claims abstract description 59
- 230000007246 mechanism Effects 0.000 claims abstract description 115
- 238000012545 processing Methods 0.000 claims description 37
- 238000012795 verification Methods 0.000 claims description 27
- 230000008569 process Effects 0.000 claims description 24
- 238000004891 communication Methods 0.000 claims description 23
- 238000004590 computer program Methods 0.000 claims description 12
- 238000012790 confirmation Methods 0.000 claims description 10
- 230000009191 jumping Effects 0.000 claims description 5
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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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
- G06Q20/40—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
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
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Abstract
The embodiment of the specification provides a bank card signing method, and bank card information can be displayed to a user by a bank system through displaying a bank skip page in a third-party payment mechanism, so that the bank card signing can be conveniently and efficiently carried out.
Description
Technical Field
the embodiment of the specification relates to the technical field of network payment, in particular to a bank card signing method, a device, a server and a readable storage medium.
Background
Before network payment is carried out through a third-party payment mechanism (a third-party payment platform), a user is generally required to bind a bank card on the payment platform, namely, the bank card is quickly signed. The bank card quick signing means that a user of a third-party payment mechanism carries out information matching and verification between a bank and the payment mechanism through means of mobile phone short messages, card holder identity verification and the like, and therefore the process of binding the bank card and an account number of the payment mechanism is completed. After the contract is successfully signed, the bank card can be directly used in a quick payment scene of the user at the payment mechanism.
Disclosure of Invention
The embodiment of the specification provides a bank card signing method, a bank card signing device, a server and a readable storage medium.
In a first aspect, an embodiment of the present specification provides a method for signing a bank card, including: after receiving a bank card signing application submitted by a user, a third-party payment mechanism confirms the legality of the user according to the user identity information; after the user is confirmed to be legal, displaying a bank skip page in the third-party payment mechanism, carrying out bank card signing processing by a bank system, and then jumping back to the third-party payment mechanism to finish signing; and displaying the information of the bank card to a user in the process of carrying out the signing processing of the bank card by the bank system.
in a second aspect, an embodiment of the present specification provides a bank card signing device, located at a third-party payment institution, the device including: the receiving unit is used for receiving a bank card signing application submitted by a user; the confirming unit is used for confirming the legality of the user according to the user identity information; the system comprises a skipping unit, a data processing unit and a data processing unit, wherein the skipping unit is used for displaying a bank skipping page and performing bank card signing processing by a bank system, and bank card information is displayed to a user in the bank card signing processing; and the rebound unit is used for rebounding to the third-party payment mechanism to complete the subscription.
In a third aspect, an embodiment of the present specification provides a bank card signing apparatus, which is located in a banking system, and the apparatus includes: and the payment mechanism skip processing unit is used for processing the bank card subscription according to a bank skip page of the third-party payment mechanism and skipping back to the third-party payment mechanism after the subscription processing is finished, wherein the bank card information is displayed to a user in the subscription processing process.
in a fourth aspect, an embodiment of the present specification provides a server, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor implements the steps of signing a contract for a bank card according to any one of the above-mentioned steps when executing the program.
In a fifth aspect, the present specification provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the steps of signing a contract for a bank card according to any one of the above-mentioned items.
the embodiment of the specification has the following beneficial effects:
in the bank card signing method provided by the embodiment of the specification, the bank skip page is displayed at the third-party payment mechanism, so that the bank system can display the bank card information to a user, the user only needs to confirm whether the bank card information is correct or not, the bank card number does not need to be manually input, convenience and high efficiency are realized, and the accuracy can be ensured. Moreover, the user only need operate on third party payment mechanism's APP can, needn't download in addition and install bank APP and carry out switching and operation between a plurality of APPs, the realization is simple high-efficient.
Drawings
Fig. 1 is a schematic view of an application scenario of a method for signing a bank card according to an embodiment of the present specification;
fig. 2 is a flowchart of a method for signing a contract for a bank card provided in the first aspect of the embodiment of the present specification;
Fig. 3 is a flowchart of a method for signing a contract for a bank card provided in a second aspect of the embodiments of the present description;
Fig. 4 is a flowchart of a method for signing a contract for a bank card provided in the third aspect of the embodiment of the present description;
Fig. 5 is a schematic diagram illustrating bank card information display on a bank skip page in a bank card signing method provided in an embodiment of the present specification;
Fig. 6 is a schematic structural diagram of a bank card signing device provided in the fourth aspect of the present specification;
fig. 7 is a schematic structural diagram of a bank card signing device provided in a fifth aspect of the embodiment of the present specification;
fig. 8 is a schematic structural diagram of a bank card signing device provided in a sixth aspect of the present specification;
fig. 9 is a schematic structural diagram of a server provided in the seventh aspect of the embodiment of the present specification.
Detailed Description
In order to better understand the technical solutions, the technical solutions of the embodiments of the present specification are described in detail below with reference to the drawings and specific embodiments, and it should be understood that the specific features of the embodiments and embodiments of the present specification are detailed descriptions of the technical solutions of the embodiments of the present specification, and are not limitations of the technical solutions of the present specification, and the technical features of the embodiments and embodiments of the present specification may be combined with each other without conflict.
in the process of signing a bank card by a third-party payment mechanism by a user, the third-party payment mechanism needs to acquire signing element information of the user, for example, the signing element information includes user identity information (user name, identity information, mobile phone number, etc.) and bank card information (bank card number, validity period, etc.). The third-party payment mechanism often acquires the user identity information and the contact information when the user registers, so how to acquire the bank card information quickly and accurately is an important factor influencing the signing efficiency.
in the signing process, the user can input the bank card number on the operation page of the third-party payment mechanism, the interaction operation is troublesome, the user is easy to lose, or the signing efficiency is low due to the conditions of low input speed or input error of the user and the like.
In addition, the user can also operate at the bank APP terminal, the bank APP sends the bank card number to the third-party payment mechanism in a page skipping or background transmission mode, and the third-party payment mechanism displays the bank card number on the signing page in a reverse mode, so that the operation of inputting the bank card number by the user is omitted. However, this method requires the user to download and install the bank APP at the terminal, and performs APP switching and operation between the bank APP and the third-party payment mechanism, which is troublesome and inefficient.
In addition, the bank can actively push information such as the bank card number of the user to a third-party payment mechanism for storage in a single or batch mode, and the bank card number can be directly found out when the user carries out card binding operation. However, this method involves the problem of leakage and retention of private information of bank users, has potential safety hazard, and is not highly implementable.
referring to fig. 1, a schematic view of an application scenario of a method for signing a bank card provided in an embodiment of this specification is shown. In fig. 1, a user 10, a third party payment mechanism 20, a network connection 30 and a banking system 40 are shown, wherein the network connection 30 is an intermediate clearinghouse between the third party payment mechanism 20 and the banking system 40, and it can be understood that the communication between the third party payment mechanism 20 and the banking system 40 needs to pass through it, and the fund and information can be secured. For the bank card signing scheme provided by the embodiment of the specification, the user 10 initiates a bank card signing application at the third-party payment mechanism 20, a link of inputting a bank card number is omitted during application, the third-party payment mechanism 20 is in communication with the bank system 40 through the internet 30, and a bank skip page is displayed at the third-party payment mechanism, so that the bank system can display the bank card information to the user, the user only needs to confirm whether the bank card information is correct, the bank card number does not need to be manually input, convenience and high efficiency are achieved, and accuracy can be guaranteed. Moreover, the user only need operate on third party payment mechanism's APP can, needn't download in addition and install bank APP and carry out the switching and the operation between a plurality of APPs, the realization is simple high-efficient.
in a first aspect, an embodiment of the present disclosure provides a method for signing a bank card, please refer to fig. 2, which includes steps S201 to S203.
S201: and the third-party payment mechanism receives the bank card signing application submitted by the user and confirms the legality of the user according to the user identity information.
The third-party payment mechanism serves as a platform for network payment and provides financial services such as payment and account transfer for the user. For example, a user installs an Application (APP) of a third-party payment institution at a terminal, and completes registration by inputting information such as user identity information and contact information, and establishes an account with the institution. After the user finishes registration at the third-party payment mechanism, the user can perform operation of applying for signing the bank card (for example, operation of selecting 'binding the bank card' on the APP by the user) so as to use the signed bank card to perform payment or transfer.
The user initiates a bank card signing application to the third-party payment mechanism, and after receiving the signing application, the third-party payment mechanism calls user identity information and judges the user validity according to the user identity information. User identity information generally refers to user real-name information including, but not limited to, the user's name, type of certificate, and certificate number.
There are various ways to judge the validity of the user according to the identity information of the user. For example, in an alternative (refer to the following fig. 3 embodiment), after receiving a bank card signing application of a user, a third-party payment mechanism directly performs user validity judgment inside the third-party payment mechanism: and calling the user identity information of the account corresponding to the user, and judging the legality of the user in a mode of format, word number and the like of a certificate number in the identity information or a mode of black and white list retrieval of the user. For another example, in another optional manner (refer to the embodiment of fig. 4 below), after receiving a bank card subscription application of a user, a third-party payment mechanism calls user identity information, sends a subscription request including the user identity information to a bank system through internet, and the bank system performs user validity judgment and receives a judgment result returned by the bank system, where the bank system judges whether the user has a signable bank account and a communication account according to the user identity information, and if so, determines that the user is legal, otherwise, determines that the user is illegal.
After the user validity is judged, only the legal user is subjected to subsequent application processing, and for the illegal user, the application can be rejected or the user is requested to provide the legal user identity information.
S202: after the user is confirmed to be legal, a bank skip page is displayed in a third-party payment mechanism, and a bank system carries out bank card signing processing; the bank card information is displayed to the user in the process of carrying out the bank card signing processing by the bank system.
In order to accurately and efficiently acquire bank information such as bank card numbers, the third-party payment mechanism of the embodiment of the description adds a bank skip page, so that a user can communicate with a bank system on the bank skip page provided by the third-party payment mechanism: the bank system can actively display the bank card information on the page for the user to confirm, so that the complicated operation of manually inputting the card number by the user is avoided, and the user directly jumps to the bank system on a third-party payment mechanism, so that the bank system is transparent to the user and does not need the user to additionally operate a bank APP and the like.
The bank skip page may be understood as a url (Uniform Resource Locator) accessing the bank system, and in order to facilitate the bank system to know the user corresponding to the current subscription request, the url may carry user identity information.
there are many ways to display the bank jump page at the third party payment institution. For example, in an alternative (refer to the embodiment of fig. 3 below), after the third-party payment mechanism determines the validity of the user, the third-party payment mechanism sends a subscription request carrying the identity information of the user to the internet; the internet directly (without connecting a bank system) returns a bank system access url carrying the user identity information to the third-party payment mechanism, and the third-party payment mechanism displays a bank skip page to the user according to the url. In another alternative (refer to the embodiment of fig. 4), after determining that the user is legal, the bank system returns a bank system access url carrying the user identity information to the third-party payment mechanism through internet; and the third-party payment mechanism displays the bank jump page to the user according to the url.
The user jumps pages through the bank displayed by the third-party payment mechanism and can be communicated with the bank system, the bank system processes the signing process, wherein in order to quickly and accurately determine the bank card information of the user, the bank card information is displayed to the user in the process of carrying out the bank card signing process by the bank system, the user only needs to determine whether the bank card information is correct, and complicated operations such as manual input or photographing and uploading of the user are omitted.
The bank system processes the signing process, and mainly relates to the verification of the identity of a user and the generation of signing protocol information. For example, in an alternative (refer to the embodiment of fig. 3 below), the banking system determines that the user has a contractable bank account and a communication account number according to the user identity information; after the user identity is verified by the bank system according to the communication account, bank card information is displayed to the user on a bank skip page; after the user confirms the bank card information, the bank system generates signing agreement information according to the signing element information and returns the signing agreement information to the third-party payment mechanism. For another example, in another optional manner (refer to the embodiment of fig. 4 below), after the bank system verifies the user identity according to the communication account, the bank system displays the bank card information to the user on a bank signing page; after the user confirms the bank card information, the bank system generates signing agreement information according to the signing element information and returns the signing agreement information to the third-party payment mechanism.
S203: and jumping back to the third party payment mechanism from the bank system to finish signing.
After receiving the contract signing agreement information sent by the bank system, the third-party payment mechanism learns that the bank system finishes the contract signing processing, and the following operation is returned to the third-party payment mechanism, so that the third-party payment mechanism needs to jump from the bank page to return to an operation page of the third-party payment mechanism, show prompt information such as contract signing completion and the like to a user, and finish the contract signing.
as can be seen, the bank card signing method provided in the embodiments of the present specification displays the bank skip page at the third-party payment mechanism, so that the bank system can display the bank card information to the user, and the user only needs to confirm whether the bank card information is correct, and does not need to manually input the bank card number, which is not only convenient and efficient, but also can ensure accuracy. Moreover, the user only need operate on third party payment mechanism's APP can, needn't download in addition and install bank APP and carry out switching and operation between a plurality of APPs, the realization is simple high-efficient.
In a second aspect, an embodiment of the present disclosure provides a method for signing a bank card, please refer to fig. 3, which includes steps S301 to S312.
S301: and the user initiates a bank card signing application to the third-party payment mechanism.
s302: and the third-party payment mechanism calls the user identity information and judges the legality of the user according to the user identity information. For legitimate users, the subsequent steps are performed. For the illegal user, the application is refused or the user is requested to re-input the user identity information (the operation for the illegal user is not shown in fig. 3).
S303: and the third-party payment mechanism sends a bank card signing request carrying the user identity information to the internet.
s304: the network connection returns to the bank system to access the url, wherein the url carries the user identity information.
S305: the user communicates with the banking system by accessing the url.
S306: the bank system performs user authentication through the user identity information carried in the url: and judging whether the corresponding bank account and communication account (such as a mobile phone number or a mailbox account for verification) exist in the bank system, if so, passing the authentication and performing subsequent steps, otherwise, returning an error or failure prompt (the authentication failure is not shown in fig. 3) to the user.
S307: the bank system verifies the identity of the user. For example, if it is determined that the user has at least one mobile phone number left in the authentication process of S306, the mobile phone number may be directly displayed in the page (multiple mobile phone numbers may all be displayed, and one is selected by the user for verification), after the user confirms the verification, the user issues the verification code to the mobile phone number, after the user inputs the verification code to the bank system, the bank system performs verification of the verification code, if the verification is consistent, it is determined that the identity verification passes and the subsequent steps are executed, otherwise, the identity verification does not pass (the identity verification does not pass is not shown in fig. 3).
s308: and displaying the bank card information to the user.
S309: the user confirms the bank card information.
For example, fig. 5 shows an example of bank card information presentation, in which the banking system is a transit banking system (it is to be understood that which bank is not limited to a specific bank), and the displayed bank card information includes: the VISA platinum credit card adopts a mode that the first four digits and the last four digits display middle digits to be hidden, and a user clicks 'immediate binding' after checking (or defaults to check) the card number, so that the information confirmation of the bank card is completed.
S310: and the bank system generates signing agreement information according to the signing element information.
s311: and the bank system returns the signing agreement information to the third-party payment mechanism through the internet.
S312: the third party payment mechanism confirms the completion of the signing and displays prompts such as 'card binding success' and the like to the user.
In the embodiment shown in fig. 3, after receiving the bank card signing application of the user, the third-party payment mechanism directly performs the user validity judgment, for the illegal user to reject the application or ask the user to input the user identity information again, for the legal user, the signing request carrying the user identity information is sent to the network connection, the bank system access url carrying the user identity information is returned from the network connection, therefore, the user can communicate with the bank system by accessing the url, and the bank system can communicate with the bank system by the user identity information carried by the url in the process of operating the url, authenticating the user, determining whether the user has a corresponding bank account and a corresponding communication account, if so, verifying the user, displaying the information of the bank card, therefore, the user only needs to perform the operation of confirming the information of the bank card, and the complicated operation of inputting the information of the bank card by the user is avoided.
In a third aspect, an embodiment of the present specification provides a method for signing a bank card, please refer to fig. 4, which includes steps S401 to S411.
S401: and the user initiates a bank card signing application to the third-party payment mechanism.
s402: the third-party payment mechanism calls the user identity information and sends a signing request carrying the user identity information to the bank system through internet.
s403: the bank system judges the user validity according to the user identity information: the bank system judges whether the user has a signed bank account and a communication account number according to the user identity information, if so, the user is determined to be legal, and the subsequent steps are executed, otherwise, the user is determined to be illegal, and a third party payment mechanism is notified through internet connection ((operation for illegal user is not shown in fig. 4)).
s404: and the bank system returns a bank system access url to the third-party payment mechanism through the internet, wherein the url carries the user identity information.
s405: the user communicates with the banking system by accessing the url.
s406: the bank system verifies the identity of the user. For example, if it is determined that the user has at least one mobile phone number left in the authentication process of S403, the mobile phone number may be directly displayed in the page (multiple mobile phone numbers may all be displayed, and one is selected by the user for verification), after the user confirms the verification, the user issues the verification code to the mobile phone number, after the user inputs the verification code to the bank system, the bank system performs verification of the verification code, if the verification is consistent, it is determined that the identity verification passes and the subsequent steps are executed, otherwise, the identity verification does not pass (the identity verification does not pass is not shown in fig. 3).
S407: and displaying the bank card information to the user.
S408: the user confirms the bank card information.
still referring to the example of fig. 5, in this example, the banking system is a transit banking system (it is to be understood that which bank is not limited to a specific bank), and the displayed bank card information includes: the VISA platinum credit card adopts a mode that the first four digits and the last four digits display middle digits to be hidden, and a user clicks 'immediate binding' after checking (or defaults to check) the card number, so that the information confirmation of the bank card is completed.
s409: and the bank system generates signing agreement information according to the signing element information.
S410: and the bank system returns the signing agreement information to the third-party payment mechanism through the internet.
s411: the third party payment mechanism confirms the completion of the signing and displays prompts such as 'card binding success' and the like to the user.
In the embodiment shown in fig. 4, after receiving a bank card signing application of a user, a third-party payment mechanism calls user identity information and sends a signing request carrying the user identity information to a bank system through internet connection, the bank system judges the validity of the user, for a legal user, the bank system returns a bank system access url carrying the user identity information to the third-party payment mechanism through the internet connection, so that the user can communicate with the bank system through accessing the url, and after checking the user, the bank system displays the bank card information, so that the user only needs to perform operation of confirming the bank card information, and the complicated operation of inputting the bank card information by the user is avoided.
In a fourth aspect, based on the same inventive concept, embodiments of the present disclosure provide a bank card signing apparatus, which is located in a third party payment mechanism, for example, a server or a functional module inside the server. Referring to fig. 6, the apparatus includes:
A receiving unit 601, configured to receive a bank card signing application submitted by a user;
a confirming unit 602, configured to confirm validity of the user according to the user identity information;
A skip unit 603, configured to display a skip page of a bank, and perform a bank card subscription process by a bank system, where the bank card information is displayed to a user in the bank card subscription process;
And a jump back unit 604, configured to jump back to the third-party payment mechanism to complete the subscription.
in an optional manner, the confirming unit 602 is specifically configured to: and acquiring user identity information, and judging the legality of the user according to certificate information in the user identity information.
In an optional manner, the jumping unit 603 is specifically configured to: sending a signing request carrying user identity information to a network connection, receiving a bank system access url carrying the user identity information from the network connection, and displaying a bank skip page to a user according to the url.
In an alternative form of the method according to the invention,
The skip unit 603 is further configured to display the bank card information to the user on the bank skip page;
the hop-back unit 604 is further configured to receive, from the internet, subscription agreement information sent by the banking system.
In an optional manner, the confirming unit 601 is specifically configured to: acquiring user identity information, and sending a signing request carrying the user identity information to the bank system through internet; and receiving a user validity judgment result returned by the bank system through the internet.
In an optional manner, the skip unit 603 is specifically configured to receive a bank system access url carrying user identity information returned by the bank system through the internet, and display a bank skip page to the user according to the url.
In an alternative form of the method according to the invention,
The skip unit 603 is further configured to display bank card information to a user on the bank signing page;
The hop-back unit 604 is further configured to receive, from the internet, subscription agreement information sent by the banking system.
in a fifth aspect, based on the same inventive concept, embodiments of the present disclosure provide a bank card signing apparatus, where the apparatus is located in a bank system, for example, a server in the bank system or a functional module inside the server. Referring to fig. 7, the apparatus includes:
And the payment mechanism skip processing unit 701 is configured to process a bank card subscription according to a bank skip page of the third-party payment mechanism, and skip back to the third-party payment mechanism after the subscription process is completed, where in the subscription process, bank card information is displayed to a user.
In an optional manner, the payment mechanism skip processing unit 701 further includes:
A user identity information obtaining subunit 7011, configured to obtain user identity information from the bank jump page;
An authentication subunit 7012, configured to determine, according to the user identity information, that the user has a contractable bank account and a communication account;
a checking subunit 7013, configured to check the user identity according to the communication account;
a bank card display and confirmation subunit 7014, configured to display bank card information to the user on the bank skip page, and receive confirmation of the user on the bank card information;
And the signing agreement returning subunit 7015 is configured to generate signing agreement information according to the signing element information, and return the signing agreement information to the third-party payment mechanism through the internet.
in a sixth aspect, based on the same inventive concept, embodiments of the present disclosure provide a bank card signing apparatus, where the apparatus is located in a bank system, for example, a server in the bank system or a functional module inside the server. Referring to fig. 8, the apparatus includes:
in an alternative, referring to fig. 8, the apparatus further comprises:
And the payment mechanism skip processing unit 801 is configured to process a bank card subscription according to a bank skip page of the third-party payment mechanism, and skip back to the third-party payment mechanism after the subscription process is completed, where in the subscription process, bank card information is displayed to a user.
In an alternative, the apparatus further comprises:
A user identity information obtaining unit 802, configured to receive a subscription request initiated by a third-party payment mechanism from a network connection, and obtain user identity information from the subscription request;
And the authentication unit 803 is configured to determine whether the user has a signed bank account and a communication account according to the user identity information, determine that the user is legal if the user has the signed bank account and the communication account, and determine that the user is illegal if the user has the signed bank account and the communication account, and return a determination result to the third-party payment mechanism through internet.
And a skip page returning unit 804, configured to, after it is determined that the user is legal, return a bank system access url carrying user identity information to the third-party payment mechanism through internet, so that the third-party payment mechanism displays a bank skip page to the user according to the url.
in an optional manner, the payment mechanism skip processing unit 801 further includes:
A verification subunit 8011, configured to verify an identity of the user according to the communication account;
a bank card display and confirmation subunit 8012, configured to display bank card information to a user on a bank skip page, and receive confirmation of the user on the bank card information;
the contract agreement return sub-unit 8013 is configured to generate contract agreement information according to the contract element information, and return the contract agreement information to the third-party payment mechanism through the internet.
in a seventh aspect, based on the inventive concept of the method for signing a contract with a bank card in the foregoing embodiment, the present invention further provides a server, as shown in fig. 9, including a memory 904, a processor 902, and a computer program stored on the memory 904 and executable on the processor 902, where the processor 902, when executing the program, implements the steps of any one of the foregoing RDMA-based data transmission methods.
Where in fig. 9 a bus architecture (represented by bus 900), bus 900 may include any number of interconnected buses and bridges, and bus 900 links together various circuits including one or more processors, represented by processor 902, and memory, represented by memory 904. The bus 900 may also link together various other circuits such as peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, will not be described any further herein. A bus interface 906 provides an interface between the bus 900 and the receiver 901 and transmitter 903. The receiver 901 and the transmitter 903 may be the same element, i.e., a transceiver, providing a means for communicating with various other apparatus over a transmission medium. The processor 902 is responsible for managing the bus 900 and general processing, and the memory 904 may be used for storing data used by the processor 902 in performing operations.
In an eighth aspect, based on the inventive concept of the method for signing a contract with a bank card in the foregoing embodiments, the present invention further provides a computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, realizes the steps of any one of the methods for signing a contract with a bank card as described above.
The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
while preferred embodiments of the present specification have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all changes and modifications that fall within the scope of the specification.
it will be apparent to those skilled in the art that various changes and modifications may be made in the present specification without departing from the spirit and scope of the specification. Thus, if such modifications and variations of the present specification fall within the scope of the claims of the present specification and their equivalents, the specification is intended to include such modifications and variations.
Claims (21)
1. a bank card signing method comprises the following steps:
After receiving a bank card signing application submitted by a user, a third-party payment mechanism confirms the legality of the user according to the user identity information;
After the user is confirmed to be legal, displaying a bank skip page in the third-party payment mechanism, carrying out bank card signing processing by a bank system, and then jumping back to the third-party payment mechanism to finish signing;
And displaying the information of the bank card to a user in the process of carrying out the signing processing of the bank card by the bank system.
2. the method of claim 1, wherein the validating the validity of the user according to the user identity information comprises:
The third-party payment mechanism acquires user identity information;
And the third-party payment mechanism judges the legality of the user according to the certificate information in the user identity information.
3. The method of claim 2, the presenting a bank jump page at the third party payment authority, comprising:
the third-party payment mechanism sends a signing request carrying user identity information to the internet;
And the network connection returns a bank system access url carrying the user identity information to the third-party payment mechanism, and the third-party payment mechanism displays a bank skip page to the user according to the url.
4. The method of claim 3, the processing of the bank card sign-up by the banking system comprising:
the bank system determines that the user has a signed bank account and a communication account according to the user identity information;
After the user identity is verified by the bank system according to the communication account, bank card information is displayed to the user on the bank signing page;
After the user confirms the information of the bank card, the bank system generates signing agreement information according to the signing element information and returns the signing agreement information to the third-party payment mechanism through the internet.
5. the method of claim 1, wherein the validating the validity of the user according to the user identity information comprises:
The third-party payment mechanism acquires user identity information;
the third-party payment mechanism sends a signing request carrying user identity information to the bank system through internet;
And the bank system judges whether the user has a signed bank account and a communication account number or not according to the user identity information, if so, the user is determined to be legal, otherwise, the user is determined to be illegal, and a judgment result is returned to the third-party payment mechanism through internet connection.
6. the method of claim 5, the presenting a bank jump page at the third party payment authority, comprising:
After the bank system determines that the user is legal, the bank system returns a bank system access url carrying user identity information to the third-party payment mechanism through internet;
and the third-party payment mechanism displays a bank skip page to the user according to the url.
7. the method of claim 6, the processing by the banking system of bank card sign-up comprising:
after the user identity is verified by the bank system according to the communication account, bank card information is displayed to the user on the bank signing page;
after the user confirms the information of the bank card, the bank system generates signing agreement information according to the signing element information and returns the signing agreement information to the third-party payment mechanism through the internet.
8. a bank card signing device at a third party payment authority, the device comprising:
The receiving unit is used for receiving a bank card signing application submitted by a user;
The confirming unit is used for confirming the legality of the user according to the user identity information;
the system comprises a skipping unit, a data processing unit and a data processing unit, wherein the skipping unit is used for displaying a bank skipping page and performing bank card signing processing by a bank system, and bank card information is displayed to a user in the bank card signing processing;
And the rebound unit is used for rebounding to the third-party payment mechanism to complete the subscription.
9. the apparatus of claim 8, the validation unit to: and acquiring user identity information, and judging the legality of the user according to certificate information in the user identity information.
10. The apparatus of claim 9, the jumping unit to: sending a signing request carrying user identity information to a network connection, receiving a bank system access url carrying the user identity information from the network connection, and displaying a bank skip page to a user according to the url.
11. The apparatus of claim 10, wherein the first and second electrodes are disposed on opposite sides of the substrate,
The skip unit is also used for displaying bank card information to a user on the bank skip page;
And the rebound unit is also used for receiving the contract agreement information sent by the bank system from the internet.
12. the apparatus of claim 8, the validation unit to: acquiring user identity information, and sending a signing request carrying the user identity information to the bank system through internet; and receiving a user validity judgment result returned by the bank system through the internet.
13. the apparatus according to claim 12, wherein the skip unit is specifically configured to receive a bank system access url carrying user identity information returned by a bank system through a network connection, and display a bank skip page to the user according to the url.
14. The apparatus of claim 13, wherein the first and second electrodes are disposed in a substantially cylindrical configuration,
The skip unit is also used for displaying bank card information to a user on the bank signing page;
And the rebound unit is also used for receiving the contract agreement information sent by the bank system from the internet.
15. A bank card signing device at a banking system, the device comprising:
And the payment mechanism skip processing unit is used for processing the bank card subscription according to a bank skip page of the third-party payment mechanism and skipping back to the third-party payment mechanism after the subscription processing is finished, wherein the bank card information is displayed to a user in the subscription processing process.
16. the apparatus of claim 15, the payment mechanism skip processing unit further comprising:
The user identity information acquisition subunit is used for acquiring user identity information from the bank jump page;
the authentication subunit is used for determining that the user has a signed bank account and a communication account according to the user identity information;
The verification subunit is used for verifying the user identity according to the communication account;
The bank card display and confirmation subunit is used for displaying the bank card information to the user on the bank skip page and receiving the confirmation of the user on the bank card information;
And the signing agreement returning subunit is used for generating signing agreement information according to the signing element information and returning the signing agreement information to the third-party payment mechanism through internet.
17. The apparatus of claim 15, the apparatus further comprising:
The system comprises a user identity information acquisition unit, a payment unit and a payment unit, wherein the user identity information acquisition unit is used for receiving a signing request initiated by a third-party payment mechanism from the internet and acquiring user identity information from the signing request;
and the authentication unit is used for judging whether the user has a signed bank account and a communication account according to the user identity information, if so, determining that the user is legal, otherwise, determining that the user is illegal, and returning a judgment result to the third-party payment mechanism through internet.
18. the apparatus as set forth in claim 17, wherein,
And the skip page returning unit is used for returning a bank system access url carrying user identity information to the third-party payment mechanism through internet after the user is determined to be legal, so that the third-party payment mechanism can display the bank skip page to the user according to the url.
19. The apparatus of claim 18, the payment mechanism skip processing unit further comprising:
The verification subunit is used for verifying the user identity according to the communication account;
The bank card display and confirmation subunit is used for displaying the bank card information to the user on the bank skip page and receiving the confirmation of the user on the bank card information;
and the signing agreement returning subunit is used for generating signing agreement information according to the signing element information and returning the signing agreement information to the third-party payment mechanism through internet.
20. A server comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the method of any one of claims 1 to 7 when executing the program.
21. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.
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