CN110910239A - Remote authorization method and device - Google Patents
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Abstract
The invention provides a remote authorization method and a device, which push authorization service information to a client and then receive seal card information, attribute information of a target user and information of the target authorization service sent by the client. And acquiring corresponding seal card original information from the attribute information of the target user, and matching the seal card information sent by the client with the seal card original information. If matching the seal card information sent by the client and the seal card original information, authorizing the transaction of the target authorization service. Therefore, the mobile phone bank and the background system of the bank collect and verify the signature card information of the client, and the client can remotely authorize and handle related services if the verification is passed, so that the convenience of service handling between the client and the bank is improved.
Description
Technical Field
The invention relates to the technical field of internet, in particular to a remote authorization method and a remote authorization device.
Background
The business is often carried to and from the company and the bank, and the range of business related between the company and the bank is relatively complicated, so that the company is required to carry the seal card to carry out bank transaction related business. The seal card is the proof of identity and account of the unit. The seal card is divided into a positive card and a negative card, both of which are added with anti-counterfeiting marks and numbers (the numbers of the positive card and the negative card are consistent), wherein one positive card is kept and used by a seal primary examiner, and the other negative card is kept and used by a seal re-examiner, and one negative card is accepted by a bank and signed and withdrawn from an account-opening unit.
However, the related responsible persons of the company are busy sometimes, and cannot directly go to the bank to handle the business, and the seal card is handed to the staff of the company to directly handle the business without worry, because some staff may override other businesses, great troubles are caused to the company. However, in the prior art, there is no solution that can realize the remote authorization of the company responsible person to the bank without personally going to the bank to handle the business, so that the business exchange between the company and the bank is also greatly inconvenient.
Disclosure of Invention
In view of this, embodiments of the present invention provide a remote authorization method and apparatus, where a client and a server of a bank collect and verify the signature card information of a client, and if the verification is passed, the client may perform remote authorization to handle related services, so as to improve convenience of service handling between the client and the bank.
In order to achieve the above purpose, the embodiments of the present invention provide the following technical solutions:
the invention discloses a remote authorization method applied to a server in a first aspect, wherein the remote authorization method comprises the following steps:
pushing information of the authorization service to the client; the authorization task comprises a service in an authorization range of a target user corresponding to the client;
receiving the seal card information, the attribute information of the target user and the information of the target authorization service sent by the client; the seal card information is acquired by the client after the client detects that the target user screens the target authorization service from the information of the authorization service;
acquiring original information of the seal card corresponding to the attribute information of the target user;
matching the received seal card information with the seal card original information;
and if the matching result shows that the seal card information is equivalent to the original seal card information, authorizing the transaction of the target authorization service.
Optionally, in the foregoing method, the pushing information of an authorization service to the client includes:
acquiring the information of the service in the authorization range of the target user;
generating an authorization task queue; the authorization task queue comprises information of each service in an authorization range of the target user;
and pushing the authorization task queue to the client.
Optionally, in the above method, after matching the signature card information and the original signature card information, the method further includes:
sending prompt information to the client; the prompt message is used for reminding the target user whether to authorize the handling of the target authorization service;
and after receiving the confirmation information fed back by the client, performing authorization operation on the transaction of the target authorization service.
Optionally, in the foregoing method, after sending the prompt to the client, the method further includes:
and if the confirmation information fed back by the client is not received within a preset time period, outputting a prompt message of ending the service transaction.
Optionally, the method further includes:
if the matching result shows that the seal card information is not identical to the original seal card information, sending reminding information to the client; wherein the reminding information is used for reminding the target user that the signature card information is incorrect and reminding the target user to provide the signature card again.
The second aspect of the present invention discloses a remote authorization device, which is applied to a server, and the remote authorization device includes:
the first sending unit is used for pushing the information of the authorization service to the client; the authorization task comprises a service in an authorization range of a target user corresponding to the client;
a receiving unit, configured to receive the signature card information sent by the client, the attribute information of the target user, and information of a target authorization service; the seal card information is acquired by the client after the client detects that the target user screens the target authorization service from the information of the authorization service;
the acquisition unit is used for acquiring original information of the seal card corresponding to the attribute information of the target user;
the matching unit is used for matching the received seal card information with the seal card original information;
and the authorization unit is used for authorizing the transaction of the target authorization service if the matching unit matches the seal card information and the seal card original information to be equivalent.
Optionally, in the foregoing apparatus, the first sending unit includes:
the acquiring subunit is used for acquiring the service information in the authorization range of the target user;
the generating subunit is used for generating an authorization task queue; the authorization task queue comprises information of each service in an authorization range of the target user;
and the sending subunit is configured to push the authorization task queue to the client.
Optionally, the above apparatus further includes:
the second sending unit is used for sending prompt information to the client after the matching unit matches the seal card information and the seal card original information; the prompt message is used for reminding the target user whether to authorize the handling of the target authorization service;
the judging unit is used for judging whether the confirmation information fed back by the client side is received or not;
and the authorization unit performs authorization operation on the transaction of the target authorization service after the judgment unit judges that the confirmation information fed back by the client is received.
Optionally, the above apparatus further includes:
and the output unit is used for outputting prompt information of service transaction end when the judging unit judges that the confirmation information fed back by the client is not received in a preset time period.
Optionally, the above apparatus further includes:
the third sending unit is used for sending reminding information to the client if the matching unit matches that the seal card information is not identical to the original seal card information; wherein the reminding information is used for reminding the target user that the signature card information is incorrect and reminding the target user to provide the signature card again.
According to the technical scheme, the remote authorization method provided by the application pushes the information of the authorization service to the client, and then receives the signature card information, the attribute information of the target user and the information of the target authorization service sent by the client. And acquiring corresponding seal card original information from the attribute information of the target user, and matching the seal card information sent by the client with the seal card original information. If matching the seal card information sent by the client and the seal card original information, authorizing the transaction of the target authorization service. Therefore, the information of the signature card of the client is collected and verified through the client and the server, and the client can remotely authorize and handle related services if the verification is passed, so that the convenience of service handling between the client and the bank is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a flow chart of a method for remote authorization according to an embodiment of the present invention;
FIG. 2 is a flowchart of one implementation of step S101 disclosed in another embodiment of the present invention;
FIG. 3 is a flow chart of the addition scheme disclosed in another embodiment of the present invention;
fig. 4 is a schematic diagram of a remote authorization apparatus according to another embodiment of the disclosure.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In this application, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
Moreover, in this document, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions.
It can be known from the content of the background art that sometimes the relevant responsible persons of the company are busy and cannot directly go to the bank to handle the business, and the seal card is handed to the staff of the company to directly handle the business without worry, because some staff may override other businesses, so that great troubles are caused to the company. However, in the prior art, there is no solution that can realize the remote authorization of the company responsible person to the bank without personally going to the bank to handle the business, so that the business exchange between the company and the bank is also greatly inconvenient.
Based on this, the embodiment of the invention provides a method and a device for remote authorization, which collect and verify the signature card information of a client through a client and a server, and if the verification is passed, the client can perform remote authorization to handle related services, thereby improving the convenience of service handling between the client and a bank.
The embodiment of the invention provides a remote authorization method which is applied to a server, wherein the server can be understood as a background system of a bank.
Referring to fig. 1, a remote authorization method specifically includes:
s101, pushing information of authorization service to a client; the authorization task comprises a service in an authorization range of a target user corresponding to the client.
In this step, the client may be understood as a front end that can be provided to the user, such as a mobile banking system, an internet banking system, and the like, and that can interact with a background system of the bank.
The bank teller inquires the information of the relevant responsible person of the company through the background system according to the company information provided by the business handling personnel of the bank, and then directly pushes the information of the authorized business to the mobile phone bank of the relevant responsible person of the company through the system. Based on this, the target user is a user such as a person in charge related to the company, and the user can authorize the banking business so as to assist other people to complete business transaction.
Certainly, the authorization task sent to the client by the background system sends the service belonging to the user authorization range of the company-related responsible person according to the information of the company-related responsible person.
Optionally, in another embodiment of the present invention, an implementation manner of step S101, as shown in fig. 2, includes:
s201, obtaining the service information in the authorization range of the target user.
Wherein, the bank teller inquires the information of the related responsible person of the company through the background system according to the company information provided by the business handling personnel of the bank, then inputs the information of the related responsible person of the company from the background system, the background system can inquire the service range which can be authorized by the related responsible person of the company,
s202, generating an authorization task queue; the authorization task queue comprises information of each service in an authorization range of a target user.
It should be noted that, after querying the business scope authorized by the company-related responsible person, an authorized task queue is generated, which includes information of each business within the business scope authorized by the company-related responsible person.
S203, pushing the authorization task queue to the client.
After the authorization task queue belonging to the company-related responsible person is generated, the authorization task queue is sent to a mobile phone bank of the company-related responsible person through a background system.
S102, receiving the seal card information, the attribute information of the target user and the information of the target authorization service sent by the client; the seal card information is acquired after the client detects that the target user screens the target authorization service from the information of the authorization service.
It should be noted that, after receiving the information of the authorization service at the client such as the mobile banking, the person in charge of the company may log in the client such as the mobile banking through a personal password or a face brushing manner, and may view the service to be authorized after logging in the client such as the mobile banking. The following description will be given by taking a mobile banking as an example of a client.
After the mobile banking outputs the information of the authorization service, the related responsible person of the company can select the information of the service needing authorization according to the actual situation, namely the information of the target authorization service. After the selection is finished, the mobile phone bank can automatically detect whether the mobile phone of the target user, generally the mobile phone of the target user, has a scanning function, and if so, the mobile phone can scan the seal card of the client by using the scanning function of the mobile phone to acquire the information of the seal card. If the mobile phone of the client has no scanning function, the client is reminded to open the camera function of the mobile phone to take a picture of the seal card so as to acquire the information of the seal card.
After the operations are completed, the client sends the acquired seal card information, the attribute information of the target user and the service information selected and authorized by the client to a bank background system, and the background system of the bank receives and processes the seal card information, the attribute information of the target user and the service information.
The attribute information of the target user is generally understood as company information of a company to which the user belongs, and is information of a unique company such as a company name and a tax number of the company.
S103, original information of the seal card corresponding to the attribute information of the target user is obtained.
It should be noted that, after receiving the attribute information of the target user, the background system of the bank queries and retrieves the original information of the seal card retained in the background system of the bank by the company to which the user belongs.
And S104, matching the received seal card information with the original seal card information.
The seal card information collected from the client is matched with original seal card information which is stored in a bank before the company, and whether the seal card information collected from the client is consistent with the original seal card information which is stored in a background system of the bank before is checked, so that the authenticity of the seal card is judged.
And S105, if the matching seal card information is equal to the original seal card information, authorizing the transaction of the target authorization service.
It should be noted that, if matching the signature card information collected from the client and the original signature card information of the bank left in front of the company is equivalent, the service that needs to be authorized to be handled can be authorized for the related responsible person of the company, and the staff of the bank is allowed to handle the related service that obtains authorization for the company.
According to the remote authorization method, the authorization service information is pushed to the client, and then the signature card information, the attribute information of the target user and the information of the target authorization service sent by the client are received. And acquiring corresponding seal card original information from the attribute information of the target user, and matching the seal card information sent by the client with the seal card original information. If matching the seal card information sent by the client and the seal card original information, authorizing the transaction of the target authorization service. Therefore, through the interaction of the mobile phone bank and other clients and the background system of the bank, the seal card information of the client is collected and verified, and the client can remotely authorize and handle related services if the verification is passed, so that the service handling convenience between the client and the bank is improved.
Optionally, in another embodiment of the present invention, after matching the signature card information and the original signature card information in step S105, in addition to authorizing the transaction of the target authorization service, referring to fig. 3, the method may further include:
s301, sending prompt information to a client; the prompt message is used for reminding the target user whether to authorize the transaction of the target authorization service.
It should be noted that if matching the signature card information collected from the client and the original signature card information of the bank reserved in front of the company is the same, a piece of prompt information can be sent to the mobile phone bank of the relevant responsible person of the company to remind the relevant responsible person of the company whether to authorize the transaction of the service selected for authorization. This may further improve the security of the transaction.
S302, after receiving the confirmation information fed back by the client, authorizing the transaction of the target authorization service.
Optionally, in another embodiment of the present invention, after performing step S301, the method may further include:
and if the confirmation information fed back by the client is not received within a preset time period, outputting a prompt message of ending the service transaction.
After the prompt message for prompting the confirmation of the authorization is sent to the mobile phone bank of the related responsible person of the company, if the feedback message for the confirmation of the authorization of the responsible person is not received within the preset time period, the prompt message for ending the service transaction is output to indicate that the service transaction is terminated. The preset time period may be determined according to actual conditions, and is generally set to 10 minutes.
Optionally, in another embodiment of the present invention, after step S104, the method for remote authorization may further include:
if the matching seal card information is not identical to the original seal card information, sending reminding information to the client; the reminding information is used for reminding the target user that the seal card information is incorrect and reminding the target user to provide the seal card again.
It should be noted that if the matching result shows that the seal card information collected from the client and the original seal card information of the bank reserved in front of the company are not identical, a prompt message for reminding that the seal card information is incorrect and the seal card needs to be provided again is sent to the client such as the mobile phone bank of the relevant responsible person of the company.
After receiving the reminding information, the client can output the reminding information through a display screen of the device where the client is located so as to provide that the current signature card information of the user is incorrect.
Certainly, the prompt information for re-providing the seal card needs to be output, and the device where the client is located realizes the collection of the seal card information by utilizing the scanning or shooting function.
The invention further provides a remote authorization device, and the remote authorization device is applied to the server.
As shown in fig. 4, the remote authorization apparatus specifically includes:
a first sending unit 401, configured to push information of an authorization service to a client; the authorization task comprises a service in an authorization range of a target user corresponding to the client.
A receiving unit 402, configured to receive the signature card information, the attribute information of the target user, and the information of the target authorization service sent by the client; the seal card information is acquired after the client detects that the target user screens the target authorization service from the information of the authorization service.
An obtaining unit 403, configured to obtain original information of the seal card corresponding to the attribute information of the target user.
A matching unit 404, configured to match the received seal card information with the seal card original information.
And an authorization unit 405, configured to authorize the transaction of the target authorization service if the matching unit matches that the signature card information is identical to the original signature card information.
According to the remote authorization device provided by the application, the first sending unit 401 is used for pushing the information of the authorization service to the client, and then the receiving unit 402 is used for receiving the signature card information, the attribute information of the target user and the information of the target authorization service sent by the client. The obtaining unit 403 obtains corresponding original signature card information from the attribute information of the target user, and the matching unit 404 matches the signature card information sent by the client with the original signature card information. If matching the signature card information sent by the client and the original signature card information, the authorization unit 405 authorizes the transaction of the target authorization service. Therefore, the information of the signature card of the client is collected and verified through the client and the server, and the client can remotely authorize and handle related services if the verification is passed, so that the convenience of service handling between the client and the bank is improved.
In this embodiment, for specific implementation processes of the first sending unit 401, the receiving unit 402, the obtaining unit 403, the matching unit 404, and the authorization unit 405, reference may be made to the contents of the method embodiment corresponding to fig. 1, and details are not described here.
Optionally, in another embodiment of the present invention, the first sending unit 401 includes:
and the acquisition subunit is used for acquiring the information of the service within the authorization range of the target user.
The generating subunit is used for generating an authorization task queue; the authorization task queue comprises information of each service in an authorization range of a target user.
And the sending subunit is used for pushing the authorization task queue to the client.
In this embodiment, the specific execution processes of the acquiring subunit, the generating subunit and the sending subunit may refer to the content of the method embodiment corresponding to fig. 2, and are not described herein again.
Optionally, in another embodiment of the present invention, the remote authorization apparatus may further include:
the second sending unit is used for sending prompt information to the client after the matching unit matches the seal card information and the original seal card information; the prompt message is used for reminding the target user whether to authorize the transaction of the target authorization service.
And the judging unit is used for judging whether the confirmation information fed back by the client is received.
And the authorization unit is used for carrying out authorization operation on the transaction of the target authorization service after the judgment unit judges that the confirmation information fed back by the client is received.
In this embodiment, the specific implementation processes of the second sending unit and the determining unit can refer to the contents of the method embodiment corresponding to fig. 3, which are not described herein again.
Optionally, in another embodiment of the present invention, the remote authorization apparatus may further include:
and the output unit is used for outputting prompt information of service transaction end when the judging unit judges that the confirmation information fed back by the client is not received in the preset time period.
In this embodiment, the specific execution process of the output unit may refer to the content of the corresponding method embodiment described above, and is not described herein again.
Optionally, in another embodiment of the present invention, the remote authorization apparatus may further include:
the third sending unit is used for sending reminding information to the client if the matching unit matches that the seal card information is not identical to the original seal card information; the reminding information is used for reminding the target user that the seal card information is incorrect and reminding the target user to provide the seal card again.
In this embodiment, for a specific execution process of the third sending unit, reference may be made to the content of the corresponding method embodiment described above, and details are not described here again.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the system or system embodiments are substantially similar to the method embodiments and therefore are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described system and system embodiments are only illustrative, wherein the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A remote authorization method is applied to a server, and comprises the following steps:
pushing information of the authorization service to the client; the authorization task comprises a service in an authorization range of a target user corresponding to the client;
receiving the seal card information, the attribute information of the target user and the information of the target authorization service sent by the client; the seal card information is acquired by the client after the client detects that the target user screens the target authorization service from the information of the authorization service;
acquiring original information of the seal card corresponding to the attribute information of the target user;
matching the received seal card information with the seal card original information;
and if the matching result shows that the seal card information is equivalent to the original seal card information, authorizing the transaction of the target authorization service.
2. The method of claim 1, wherein the pushing information of the authorization service to the client comprises:
acquiring the information of the service in the authorization range of the target user;
generating an authorization task queue; the authorization task queue comprises information of each service in an authorization range of the target user;
and pushing the authorization task queue to the client.
3. The method of claim 1, wherein matching the signature card information and the original signature card information is equivalent, further comprising:
sending prompt information to the client; the prompt message is used for reminding the target user whether to authorize the handling of the target authorization service;
and after receiving the confirmation information fed back by the client, performing authorization operation on the transaction of the target authorization service.
4. The method of claim 3, wherein after sending the prompt message to the client, further comprising:
and if the confirmation information fed back by the client is not received within a preset time period, outputting a prompt message of ending the service transaction.
5. The method of any one of claims 1 to 4, further comprising:
if the matching result shows that the seal card information is not identical to the original seal card information, sending reminding information to the client; wherein the reminding information is used for reminding the target user that the signature card information is incorrect and reminding the target user to provide the signature card again.
6. A remote authorization device applied to a server, the remote authorization device comprising:
the first sending unit is used for pushing the information of the authorization service to the client; the authorization task comprises a service in an authorization range of a target user corresponding to the client;
a receiving unit, configured to receive the signature card information sent by the client, the attribute information of the target user, and information of a target authorization service; the seal card information is acquired by the client after the client detects that the target user screens the target authorization service from the information of the authorization service;
the acquisition unit is used for acquiring original information of the seal card corresponding to the attribute information of the target user;
the matching unit is used for matching the received seal card information with the seal card original information;
and the authorization unit is used for authorizing the transaction of the target authorization service if the matching unit matches the seal card information and the seal card original information to be equivalent.
7. The apparatus of claim 6, wherein the first sending unit comprises:
the acquiring subunit is used for acquiring the service information in the authorization range of the target user;
the generating subunit is used for generating an authorization task queue; the authorization task queue comprises information of each service in an authorization range of the target user;
and the sending subunit is configured to push the authorization task queue to the client.
8. The apparatus of claim 6, further comprising:
the second sending unit is used for sending prompt information to the client after the matching unit matches the seal card information and the seal card original information; the prompt message is used for reminding the target user whether to authorize the handling of the target authorization service;
the judging unit is used for judging whether the confirmation information fed back by the client side is received or not;
and the authorization unit performs authorization operation on the transaction of the target authorization service after the judgment unit judges that the confirmation information fed back by the client is received.
9. The apparatus of claim 8, further comprising:
and the output unit is used for outputting prompt information of service transaction end when the judging unit judges that the confirmation information fed back by the client is not received in a preset time period.
10. The apparatus of any one of claims 6 to 9, further comprising:
the third sending unit is used for sending reminding information to the client if the matching unit matches that the seal card information is not identical to the original seal card information; wherein the reminding information is used for reminding the target user that the signature card information is incorrect and reminding the target user to provide the signature card again.
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| CN201911189166.1A CN110910239A (en) | 2019-11-28 | 2019-11-28 | Remote authorization method and device |
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| CN111429266A (en) * | 2020-03-26 | 2020-07-17 | 中国建设银行股份有限公司 | Service processing method, device, equipment and storage medium |
| CN113222303A (en) * | 2021-06-15 | 2021-08-06 | 中国银行股份有限公司 | Method and device for predicting out-of-band risk of bank signature card |
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| CN111429266A (en) * | 2020-03-26 | 2020-07-17 | 中国建设银行股份有限公司 | Service processing method, device, equipment and storage medium |
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