CN111768567A - Card-swallowing retrieving method and device based on 3DS authentication and electronic equipment - Google Patents
Card-swallowing retrieving method and device based on 3DS authentication and electronic equipment Download PDFInfo
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- CN111768567A CN111768567A CN202010496477.9A CN202010496477A CN111768567A CN 111768567 A CN111768567 A CN 111768567A CN 202010496477 A CN202010496477 A CN 202010496477A CN 111768567 A CN111768567 A CN 111768567A
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/211—Software architecture within ATMs or in relation to the ATM network
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/209—Monitoring, auditing or diagnose of functioning of ATMs
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
- H04L63/0838—Network architectures or network communication protocols for network security for authentication of entities using passwords using one-time-passwords
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0876—Network architectures or network communication protocols for network security for authentication of entities based on the identity of the terminal or configuration, e.g. MAC address, hardware or software configuration or device fingerprint
Abstract
The application provides a card-retaining retrieving method and device based on 3DS authentication and electronic equipment, which are applied to the technical field of financial technology, wherein the method comprises the following steps: the user is authenticated based on the 3DS authentication information received by the service, and the dynamic password is sent by the server to authenticate the user, and the dual authentication ensures that the user is the owner of the bank card to be retrieved, so that the user can retrieve the bank card to be retrieved on the premise of ensuring the safety; in addition, even if the bank card to be taken back is not in the same bank as the bank where the ATM is located, the user can take back the bank card to be taken back under the condition that the double authentication passes, and furthermore, the user does not need to manually provide a proving material, so that the card taking program is simplified, the card taking period can be reduced, and the user experience is further improved.
Description
Technical Field
The application relates to the technical field of financial science and technology, in particular to a card swallowing retrieving method and device based on 3DS authentication and electronic equipment.
Background
Although mobile payment is a big way nowadays, people cannot avoid using cash, and also cannot avoid performing cash payment transaction on an ATM, and when using a bank card to perform transaction, a financial device (ATM) may have a card-retaining event (for example, a card holder does not take out bills in time after the machine has overflowed, or the ATM has a network failure).
At present, when a card swallowing fault occurs, if an ATM belongs to the same bank as an issuer of a card holder, the ATM can verify customer information and card information by requiring the card holder to input card information and personal information on a screen, and if the verification is passed, the card is returned to the card holder.
However, this method is generally only suitable for use where the acquirer and the issuer are the same bank, i.e., the acquirer to which the ATM belongs has cardholder information, and the card can be swallowed and retrieved using existing methods. However, if the card-swallowed issuer and the ATM are not in the same bank, manual provision of proof material may be required to retrieve the swallowed bank card.
Disclosure of Invention
The application provides a card swallowing retrieving method and device based on 3DS authentication and electronic equipment, even if an issuing bank and an acquiring bank where an ATM (automatic teller machine) is located of a bank card to be retrieved are not in the same bank, a user can also retrieve the bank card to be retrieved under the condition that double authentication passes, and furthermore, the user does not need to manually provide proving materials, so that the card retrieving program is simplified, the card retrieving period can be reduced, and the user experience is further improved. . The technical scheme adopted by the application is as follows:
in a first aspect, a method, an application and an ATM for fetching a swallowed card based on 3DS authentication are provided, the method including,
acquiring 3DS authentication information of a bank card to be retrieved, which is input by a user;
sending the 3DS authentication information of the bank card to be taken back to a server for authentication; the server is used for verifying based on pre-stored target 3DS authentication information of the bank card to be retrieved and sending a first dynamic password to the user client after the verification is passed;
acquiring a second dynamic password input by a user based on a first dynamic password received by a user client, and forwarding the second dynamic password to a server; the server is used for matching the received second dynamic password with the first dynamic password and sending matching result information to the ATM;
the ATM is used for determining whether to allow the user to retrieve the bank card to be retrieved based on the matching result information.
Optionally, the obtaining of the 3DS authentication information of the bank card to be retrieved, which is input by the user, includes:
acquiring bank card number information of a preset position and preset digit of a bank card to be retrieved, which is input by a user;
and when the information of the bank card number with the preset position and the preset number of the digits of a certain bank card swallowed by the ATM is consistent with the information of the bank card number with the preset position and the preset number of the digits of the bank card to be taken back, which is input by a user, prompting the user to input 3DS authentication information.
Optionally, the server is a 3DS authentication server or a card-opening bank server of the bank card to be retrieved.
Optionally, if the server is a card issuer server of the bank card to be verified, the method further includes:
determining a card opening bank of the bank card to be retrieved;
and sending the 3DS authentication information of the bank card to be taken back to a card issuing bank server for authentication.
Optionally, the 3DS authentication information includes at least one of:
date information of the card surface of the bank card; the safety code information of the card surface of the bank card; and (4) customizing information by a user.
In a second aspect, a swallowing card retrieving method based on 3DS authentication is provided, which is applied to a server, and includes:
receiving 3DS authentication information of the bank card to be retrieved sent by the ATM, wherein the 3DS authentication information of the bank card to be retrieved sent by the ATM is input by a user;
the server is used for verifying the received 3DS authentication information based on pre-stored target 3DS authentication information of the bank card to be retrieved and sending a first dynamic password to the user client after the verification is passed;
the server receives a second dynamic password forwarded by the ATM, and the second dynamic password forwarded by the ATM is sent by the user based on the first dynamic password received by the user client;
the server matches the received second dynamic password with the first dynamic password and transmits matching result information to the ATM, and the ATM determines whether to allow the user to retrieve the bank card to be retrieved based on the received matching result information.
Optionally, the server is a 3DS authentication server or a card-opening bank server of the bank card to be retrieved.
Optionally, the 3DS authentication information includes at least one of:
date information of the card surface of the bank card; the safety code information of the card surface of the bank card; and (4) customizing information by a user.
In a third aspect, there is provided a 3DS authentication-based card-swallowing retrieval apparatus, including,
the first acquisition module is used for acquiring 3DS authentication information of the bank card to be retrieved, which is input by a user;
the first sending module is used for sending the 3DS authentication information of the bank card to be retrieved to a server for authentication; the server is used for verifying based on pre-stored target 3DS authentication information of the bank card to be retrieved and sending a first dynamic password to the user client after the verification is passed;
the second acquisition module is used for acquiring a second dynamic password input by a user based on the first dynamic password received by the user client and forwarding the second dynamic password to the server; the server is used for matching the received second dynamic password with the first dynamic password and sending matching result information to the ATM;
a first determining module, configured to determine whether to allow the user to retrieve the bank card to be retrieved based on the matching result information.
Optionally, the apparatus comprises:
the third acquisition module is used for acquiring the bank card number information of the preset position and preset digit of the bank card to be retrieved, which is input by a user;
and the prompting module is used for prompting the user to input 3DS authentication information when the bank card number information of the preset position and preset digit of a certain bank card swallowed by the ATM is consistent with the bank card number information of the preset position and preset digit of the bank card to be taken back input by the user.
Optionally, the server is a 3DS authentication server or a card-opening bank server of the bank card to be retrieved.
Optionally, if the server is a card issuing bank server of the bank card to be verified, the apparatus further includes:
the second determination module is used for determining a card-opening bank of the bank card to be retrieved;
and the second sending module is used for sending the 3DS authentication information of the bank card to be taken back to the card issuing bank server for authentication.
Optionally, the 3DS authentication information includes at least one of:
date information of the card surface of the bank card; the safety code information of the card surface of the bank card; and (4) customizing information by a user.
In a fourth aspect, there is provided a swallow card retrieving apparatus based on 3DS authentication, applied to a server, including:
the receiving module is used for receiving 3DS authentication information of the bank card to be retrieved sent by the ATM, and the 3DS authentication information of the bank card to be retrieved sent by the ATM is input by a user;
the verification module is used for verifying the received 3DS authentication information based on pre-stored target 3DS authentication information of the bank card to be retrieved and sending a first dynamic password to the user client after the verification is passed;
the receiving module is used for receiving a second dynamic password forwarded by the ATM, and the second dynamic password forwarded by the ATM is sent by a user based on a first dynamic password received by a user client;
and the matching module is used for matching the received second dynamic password with the first dynamic password and sending matching result information to the ATM, and the ATM determines whether to allow the user to retrieve the bank card to be retrieved or not based on the received matching result information.
Optionally, the server is a 3DS authentication server or a card-opening bank server of the bank card to be retrieved.
In a fifth aspect, an electronic device is provided, which includes:
one or more processors;
a memory;
one or more application programs, wherein the one or more application programs are stored in the memory and configured to be executed by the one or more processors, the one or more programs configured to: the 3DS authentication-based card-swallowing retrieval method shown in the first aspect is performed.
In a fourth aspect, a computer-readable storage medium is provided, which is used for storing computer instructions, which when run on a computer, make the computer perform the 3DS authentication-based card-swallowing retrieving method shown in the first aspect.
Compared with the prior art that a swallowed bank card with inconsistent issuer and acquirer can be withdrawn only by manually providing a proving material, the method and the device for withdrawing the card based on 3DS authentication acquire the 3DS authentication information of the bank card to be withdrawn, which is input by a user, and then send the 3DS authentication information of the bank card to be withdrawn to a server for authentication; the server is used for verifying based on pre-stored target 3DS authentication information of the bank card to be retrieved and sending a first dynamic password to the user client after the verification is passed; then acquiring a second dynamic password input by a user based on the first dynamic password received by the user client, and forwarding the second dynamic password to the server; the server is used for matching the received second dynamic password with the first dynamic password and sending matching result information to the ATM; and finally, the ATM is used for determining whether to allow the user to retrieve the bank card to be retrieved based on the matching result information. The user is authenticated based on the 3DS authentication information received by the service, and the dynamic password is sent by the server to authenticate the user, and the dual authentication ensures that the user is the owner of the bank card to be taken back, so that the user can take back the bank card to be taken back on the premise of ensuring the safety; in addition, even if the bank card to be taken back is not in the same bank as the bank where the ATM is located, the user can take back the bank card to be taken back under the condition that the double authentication passes, and furthermore, the user does not need to manually provide a proving material, so that the card taking program is simplified, the card taking period can be reduced, and the user experience is further improved.
Additional aspects and advantages of the present application will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the present application.
Drawings
The foregoing and/or additional aspects and advantages of the present application will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:
fig. 1 is a flowchart illustrating a card-swallowing retrieving method based on 3DS authentication according to an embodiment of the present disclosure;
fig. 2 is a flowchart illustrating another card-swallowing retrieving method based on 3DS authentication according to an embodiment of the present disclosure;
fig. 3 is a schematic structural diagram of a card-swallowing retrieving device based on 3DS authentication according to an embodiment of the present disclosure;
fig. 4 is a schematic structural diagram of an electronic device according to an embodiment of the present application;
fig. 5 is a schematic structural diagram of another card-swallowing retrieval device based on 3DS authentication according to an embodiment of the present disclosure;
fig. 6 is a front view of a bank card according to an embodiment of the present application;
fig. 7 is a diagram illustrating a reverse side of a bank card according to an embodiment of the present application;
fig. 8 is an exemplary diagram of a card-swallow retrieval procedure.
Detailed Description
Reference will now be made in detail to the embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary only for the purpose of explaining the present application and are not to be construed as limiting the present application.
As used herein, the singular forms "a", "an" and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It will be further understood that the terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof. As used herein, the term "and/or" includes all or any element and all combinations of one or more of the associated listed items.
To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.
The following describes the technical solutions of the present application and how to solve the above technical problems with specific embodiments. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.
Example one
An embodiment of the present application provides a method for fetching a swallowed card based on 3DS authentication, as shown in fig. 1, the method may include the following steps:
step S101, acquiring 3DS authentication information of a bank card to be retrieved, which is input by a user;
specifically, 3DS authentication information of a bank card to be retrieved, which is input by a user, is acquired through an electronic screen configured by an ATM; the 3DS authentication information of the bank card to be retrieved, which is input by the user, can also be obtained through a voice acquisition device configured by the ATM, and then the authentication information input by the user is identified and determined through a voice identification method. The preconfigured electronic screen may be an electric touch screen or a capacitive screen.
If the information of the number to be verified input by the user is acquired through the electronic screen configured by the ATM, a virtual bank card can be displayed on the configured electronic screen to simulate a real bank card, and then the user directly inputs the information of the number to be verified at a corresponding position based on the virtual bank card.
Wherein the 3DS authentication information of the bank card to be retrieved may include, but is not limited to, at least one of: date information, security code information, card opening place information.
Illustratively, as shown in fig. 6 (front side of bank card) and fig. 7 (back side of bank card), the card-opening bank of the bank card is XX bank, the bank card number is 621773072217 XXXX, the card-opening time is 2020, 6 months and 1 day, the card-opening place is BJ (beijing), and the security code is 337.
The 3DS authentication service is a security verification service which is jointly released by China construction Bank stocks Co., Ltd, Visa and MasterCarda International organization to the owner of the credit card of all construction dragon cards and personal cards in double currencies for improving the security of online payment of the credit cards and ensuring the online payment security of clients. 3ds (three Domain secure) verification technology, i.e. issuer Domain-issuer is responsible for managing the cardholder's registration in the server, verifying the identity of the cardholder when the cardholder registers and verifying the identity of the cardholder at the time of an online transaction. The acquirer domain-the acquirer is responsible for formulating the flow to ensure that the merchant participating in the online transaction is authentic and operating in agreement with the acquirer, while providing a verification platform. Collaborative domain-Visa is responsible for facilitating transaction exchanges between the other two parties by using a common agreement, shared services, and methods of authorizing and clearing Visa payment transactions that are already known today globally.
Step S102, the 3DS authentication information of the bank card to be retrieved is sent to a server for authentication; the server is used for verifying based on pre-stored target 3DS authentication information of the bank card to be retrieved and sending a first dynamic password to the user client after the verification is passed;
and if the verification is not passed, directly refusing the user to take back the bank card to be taken back.
The dynamic Password authentication technology comprises a client used for generating a Password generator, a dynamic token which is a hardware device and a background dynamic Password authentication system used for managing the token and Password authentication.
Step S103, acquiring a second dynamic password input by a user based on a first dynamic password received by a user client, and forwarding the second dynamic password to the server; the server is used for matching the received second dynamic password with the first dynamic password and sending matching result information to the ATM;
step S104, the ATM is used for determining whether to allow the user to retrieve the bank card to be retrieved based on the matching result information.
Specifically, if the matching result information is consistent, allowing the user to retrieve the bank card to be retrieved; and if the matching result information is inconsistent, the user is not allowed to retrieve the bank card to be retrieved.
Compared with the prior art that a swallowed bank card with inconsistent issuing bank and receiving bank can be withdrawn only by manually providing a proving material, the method for withdrawing the card based on the 3DS authentication obtains the 3DS authentication information of the bank card to be withdrawn, which is input by a user, and then sends the 3DS authentication information of the bank card to be withdrawn to a server for authentication; the server is used for verifying based on pre-stored target 3DS authentication information of the bank card to be retrieved and sending a first dynamic password to the user client after the verification is passed; then acquiring a second dynamic password input by a user based on the first dynamic password received by the user client, and forwarding the second dynamic password to the server; the server is used for matching the received second dynamic password with the first dynamic password and sending matching result information to the ATM; and finally, the ATM is used for determining whether to allow the user to retrieve the bank card to be retrieved based on the matching result information. The user is authenticated based on the 3DS authentication information received by the service, and the dynamic password is sent by the server to authenticate the user, and the dual authentication ensures that the user is the owner of the bank card to be taken back, so that the user can take back the bank card to be taken back on the premise of ensuring the safety; in addition, even if the bank card to be taken back is not in the same bank as the bank where the ATM is located, the user can take back the bank card to be taken back under the condition that the double authentication passes, and furthermore, the user does not need to manually provide a proving material, so that the card taking program is simplified, the card taking period can be reduced, and the user experience is further improved.
The embodiment of the present application provides a possible implementation manner, and step S101 includes:
step S105 (not shown in the figure), obtaining the information of the bank card number of the predetermined position and the predetermined number of digits of the bank card to be retrieved, which is input by the user;
step S106 (not shown in the figure), when the information of the bank card number with the predetermined number of digits at the predetermined position of a certain bank card swallowed by the ATM machine is consistent with the information of the bank card number with the predetermined number of digits at the predetermined position of the bank card to be retrieved, which is input by the user, the user is prompted to input 3DS authentication information.
Specifically, before the user obtains the handwritten signature of the user through an electronic screen configured by the ATM, whether the current user is a user whose bank card is swallowed or not is authenticated. Specifically, the user may click on a corresponding control on the screen (e.g., retrieve the swallowed bank card) or request the retrieval of the swallowed bank card by voice.
Specifically, the information of the bank card number with the preset position and the preset digit, which is input by the user, may be acquired through a screen configured by the ATM, and when the information of the bank card number with the preset position and the preset digit, which is swallowed by the ATM, is consistent with the information of the bank card number with the preset position and the preset digit, which is input by the user, the user is prompted to input the 3DS authentication information.
The information of the bank card number with the predetermined position and the predetermined number of the digits of a certain bank card swallowed by the ATM can be determined in an image recognition mode, for example, the bank card is recognized by an OCR recognition method, so that the bank card number with the predetermined position and the predetermined number of the digits is obtained.
Wherein, the user can be required to input the complete bank card number, or partial bank card number (such as the last four digits or the last six digits); the ATM can have a plurality of taken bank cards, when the bank card number information of the preset position and preset digit of a certain bank card taken by the ATM is consistent with the bank card number information of the preset position and preset digit of the bank card input by the user, the fact that the bank card of the current user is possibly taken is indicated, and whether the taken bank card is the current user is further verified.
For the embodiment of the application, when the information of the bank card number with the preset position and the preset number of the digits of a certain bank card swallowed by the ATM is consistent with the information of the bank card number with the preset position and the preset number of the digits input by a user, the user is prompted to input 3DS authentication information. Thereby ensuring that the swallowed bank card cannot be mistakenly taken based on double authentication (bank card number authentication and 3DS authentication).
The embodiment of the application provides a possible implementation manner, wherein the server is a 3DS authentication server or a card issuer server of the bank card to be retrieved.
Specifically, the server is a 3DS authentication server or a card-opening bank server of the bank card to be retrieved. That is, a third party server (3DS authentication server) may be commonly used by a plurality of banks.
The receiving bank where the ATM is located may be a card-opening bank where the bank card to be retrieved is not the same bank, or may be the same bank.
Further, if the server is a card issuing bank server of the bank card to be verified, the method further comprises the following steps:
step S107 (not shown in the figure), determining a card-opening bank of the bank card to be retrieved;
step S108 (not shown in the figure), sending the 3DS authentication information of the bank card to be retrieved to the card issuer server for authentication.
Specifically, the bank card issuing bank of the bank card to be retrieved can be determined by identifying the obtained bank card number, and then the 3DS authentication information is sent to the corresponding bank card issuing bank server.
The embodiment of the present application provides a possible implementation manner, wherein the 3DS authentication information includes at least one of the following:
date information of the card surface of the bank card; the safety code information of the card surface of the bank card; and (4) customizing information by a user.
Specifically, the 3DS authentication information includes at least one of: date information of the card surface of the bank card; the safety code information of the card surface of the bank card; and (4) customizing information by a user.
Exemplarily, as shown in the exemplary swallowing card retrieving flow diagram of fig. 8, the steps of the swallowed bank card retrieving may be:
step 1: the customer initiates a card-swallow retrieval operation at the ATM machine (e.g., by clicking a card-swallow retrieval button). Step 2 is entered
Step 2: the customer is asked to enter the card number that has been swallowed. The customer inputs the card-swallowing number and enters the step 3.
And step 3: checking whether the card is in the swallowed card of the current ATM, if so, entering step 4, if not, entering step 10.
And 4, step 4: the customer is asked to enter card elements, such as card number, expiration date, security code, etc., for the 3DS transaction initiation and proceeds to step 5.
And 5: the ATM initiates 3DS authentication to a card issuer or a 3DS authentication server through a message input by a client, the service end sends the one-time password OTP to the client, and the ATM requests the client to input a verification code and then the step 6 is carried out.
Step 6: the customer enters the authentication code and proceeds to step 7.
And 7: the ATM receives the verification code of the client and sends the message to the card issuing bank or the 3DS authentication server for authentication, if the authentication is passed, the step 9 is carried out, and if the authentication is failed, the step 8 is carried out.
And 8: the customer is not allowed to swallow the card and proceeds to step 10.
And step 9: spit out the swallow card, the client retrieves the swallow card, and step 10 is entered
And step 10, ending the card swallowing and fetching, and returning to a normal standby page.
Example two
Fig. 2 is another swallowing card retrieving method based on 3DS authentication according to an embodiment of the present application, which is applied to a server, and includes:
step S201, receiving 3DS authentication information of a bank card to be retrieved sent by an ATM, wherein the 3DS authentication information of the bank card to be retrieved sent by the ATM is input by a user;
step S202, the server is used for verifying the received 3DS authentication information based on pre-stored target 3DS authentication information of the bank card to be retrieved, and sending a first dynamic password to the user client after the verification is passed;
step S203, the server receives a second dynamic password forwarded by the ATM, and the second dynamic password forwarded by the ATM is sent by the user based on the first dynamic password received by the user client;
the server matches the received second dynamic password with the first dynamic password and sends matching result information to the ATM, and the ATM determines whether to allow the user to retrieve the bank card to be retrieved or not based on the received matching result information.
The server is a 3DS authentication server or a card-opening bank server of the bank card to be retrieved.
Wherein the 3DS authentication information includes at least one of:
date information of the card surface of the bank card; the safety code information of the card surface of the bank card; and (4) customizing information by a user.
EXAMPLE III
Fig. 3 is a flowchart of a 3DS authentication-based card-swallowing retrieving device 30 according to an embodiment of the present application, where the apparatus includes: the first obtaining module 301, the first sending module 302, and the second obtaining module 303 count a first determining module 304, wherein,
the first obtaining module 301 is configured to obtain 3DS authentication information of a bank card to be retrieved, which is input by a user;
a first sending module 302, configured to send the 3DS authentication information of the to-be-retrieved bank card to a server for authentication; the server is used for verifying based on pre-stored target 3DS authentication information of the bank card to be retrieved and sending a first dynamic password to the user client after the verification is passed;
a second obtaining module 303, configured to obtain a second dynamic password input by the user based on the first dynamic password received by the user client, and forward the second dynamic password to the server; the server is used for matching the received second dynamic password with the first dynamic password and sending matching result information to the ATM;
a first determining module 304, configured to determine whether to allow the user to retrieve the bank card to be retrieved based on the matching result information.
Compared with a swallowed bank card which is inconsistent with an issuer and an acquirer and can be withdrawn only by manually providing a proving material in the prior art, the 3DS authentication information of the bank card to be withdrawn, which is input by a user, is acquired, and then the 3DS authentication information of the bank card to be withdrawn is sent to a server for authentication; the server is used for verifying based on pre-stored target 3DS authentication information of the bank card to be retrieved and sending a first dynamic password to the user client after the verification is passed; then acquiring a second dynamic password input by a user based on the first dynamic password received by the user client, and forwarding the second dynamic password to the server; the server is used for matching the received second dynamic password with the first dynamic password and sending matching result information to the ATM; and finally, the ATM is used for determining whether to allow the user to retrieve the bank card to be retrieved based on the matching result information. The user is authenticated based on the 3DS authentication information received by the service, and the dynamic password is sent by the server to authenticate the user, and the dual authentication ensures that the user is the owner of the bank card to be taken back, so that the user can take back the bank card to be taken back on the premise of ensuring the safety; in addition, even if the bank card to be taken back is not in the same bank as the bank where the ATM is located, the user can take back the bank card to be taken back under the condition that the double authentication passes, and furthermore, the user does not need to manually provide a proving material, so that the card taking program is simplified, the card taking period can be reduced, and the user experience is further improved.
Optionally, the apparatus comprises:
the third acquisition module is used for acquiring the bank card number information of the preset position and preset digit of the bank card to be retrieved, which is input by a user;
and the prompting module is used for prompting the user to input 3DS authentication information when the bank card number information of the preset position and preset digit of a certain bank card swallowed by the ATM is consistent with the bank card number information of the preset position and preset digit of the bank card to be taken back input by the user.
Optionally, the server is a 3DS authentication server or a card-opening bank server of the bank card to be retrieved.
Further, if the server is a card issuing bank server of the bank card to be verified, the device further comprises:
the second determination module is used for determining a card-opening bank of the bank card to be retrieved;
and the second sending module is used for sending the 3DS authentication information of the bank card to be taken back to the card issuing bank server for authentication.
Optionally, the 3DS authentication information includes at least one of:
date information of the card surface of the bank card; the safety code information of the card surface of the bank card; and (4) customizing information by a user.
The card-swallowing retrieving device of this embodiment can execute the card-swallowing retrieving method based on 3DS authentication provided in the above embodiments of this application, and the implementation principles thereof are similar, and are not described herein again.
Compared with a swallowed bank card which is inconsistent with an issuer and an acquirer and can be withdrawn only by manually providing a proving material in the prior art, the 3DS authentication information of the bank card to be withdrawn, which is input by a user, is acquired, and then the 3DS authentication information of the bank card to be withdrawn is sent to a server for authentication; the server is used for verifying based on pre-stored target 3DS authentication information of the bank card to be retrieved and sending a first dynamic password to the user client after the verification is passed; then acquiring a second dynamic password input by a user based on the first dynamic password received by the user client, and forwarding the second dynamic password to the server; the server is used for matching the received second dynamic password with the first dynamic password and sending matching result information to the ATM; and finally, the ATM is used for determining whether to allow the user to retrieve the bank card to be retrieved based on the matching result information. The user is authenticated based on the 3DS authentication information received by the service, and the dynamic password is sent by the server to authenticate the user, and the dual authentication ensures that the user is the owner of the bank card to be taken back, so that the user can take back the bank card to be taken back on the premise of ensuring the safety; in addition, even if the bank card to be taken back is not in the same bank as the bank where the ATM is located, the user can take back the bank card to be taken back under the condition that the double authentication passes, and furthermore, the user does not need to manually provide a proving material, so that the card taking program is simplified, the card taking period can be reduced, and the user experience is further improved.
The embodiment of the present application provides a card-swallowing retrieving device based on 3DS authentication, which is suitable for the method shown in the above embodiment, and is not described herein again.
Example four
As shown in fig. 5, an embodiment of the present application provides a swallow card retrieving apparatus based on 3DS authentication, which is applied to a server, and includes:
a receiving module 501, configured to receive 3DS authentication information of a to-be-retrieved bank card sent by an ATM, where the 3DS authentication information of the to-be-retrieved bank card sent by the ATM is input by a user;
the verification module 502 is configured to verify the received 3DS authentication information based on pre-stored target 3DS authentication information of the bank card to be retrieved, and send a first dynamic password to the user client after the verification is passed;
the receiving module 503 is configured to receive the second dynamic password forwarded by the ATM, where the second dynamic password forwarded by the ATM is sent by the user based on the first dynamic password received by the user client;
a matching module 504, configured to match the received second dynamic password with the first dynamic password, and send matching result information to the ATM, where the ATM determines whether to allow the user to retrieve the bank card to be retrieved based on the received matching result information.
The server is a 3DS authentication server or a card-opening bank server of the bank card to be retrieved.
Wherein the 3DS authentication information includes at least one of:
date information of the card surface of the bank card; the safety code information of the card surface of the bank card; and (4) customizing information by a user.
EXAMPLE five
An embodiment of the present application provides an electronic device, as shown in fig. 4, an electronic device 40 shown in fig. 4 includes: a processor 401 and a memory 403. Wherein the processor 401 is coupled to the memory 403, such as via a bus 402. Further, the electronic device 40 may also include a transceiver 404. It should be noted that the transceiver 404 is not limited to one in practical applications, and the structure of the electronic device 40 is not limited to the embodiment of the present application. The processor 401 is applied in the embodiment of the present application, and is used to implement the functions of the modules shown in fig. 2. The transceiver 404 includes a receiver and a transmitter.
The processor 401 may be a CPU, general purpose processor, DSP, ASIC, FPGA or other programmable logic device, transistor logic device, hardware component, or any combination thereof. Which may implement or perform the various illustrative logical blocks, modules, and circuits described in connection with the disclosure. The processor 401 may also be a combination of computing functions, e.g., comprising one or more microprocessors, a combination of a DSP and a microprocessor, or the like.
The memory 403 may be, but is not limited to, a ROM or other type of static storage device that can store static information and instructions, a RAM or other type of dynamic storage device that can store information and instructions, an EEPROM, a CD-ROM or other optical disk storage, optical disk storage (including compact disk, laser disk, optical disk, digital versatile disk, blu-ray disk, etc.), magnetic disk storage media or other magnetic storage devices, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer.
The memory 403 is used for storing application program codes for executing the scheme of the application, and the execution is controlled by the processor 401. Processor 401 is configured to execute application code stored in memory 403 to implement the functionality of the 3DS authentication based card-swallowing retrieval device provided by the embodiments shown in fig. 2 or 5.
Compared with the prior art that a card issuer can retrieve a swallowed bank card inconsistent with an acquirer only by manually providing a proving material, the electronic equipment provided by the embodiment of the application acquires 3DS authentication information of the bank card to be retrieved, which is input by a user, and then sends the 3DS authentication information of the bank card to be retrieved to a server for authentication; the server is used for verifying based on pre-stored target 3DS authentication information of the bank card to be retrieved and sending a first dynamic password to the user client after the verification is passed; then acquiring a second dynamic password input by a user based on the first dynamic password received by the user client, and forwarding the second dynamic password to the server; the server is used for matching the received second dynamic password with the first dynamic password and sending matching result information to the ATM; and finally, the ATM is used for determining whether to allow the user to retrieve the bank card to be retrieved based on the matching result information. The user is authenticated based on the 3DS authentication information received by the service, and the dynamic password is sent by the server to authenticate the user, and the dual authentication ensures that the user is the owner of the bank card to be taken back, so that the user can take back the bank card to be taken back on the premise of ensuring the safety; in addition, even if the bank card to be taken back is not in the same bank as the bank where the ATM is located, the user can take back the bank card to be taken back under the condition that the double authentication passes, and furthermore, the user does not need to manually provide a proving material, so that the card taking program is simplified, the card taking period can be reduced, and the user experience is further improved.
The embodiment of the application provides an electronic device suitable for the method embodiment. And will not be described in detail herein.
EXAMPLE VI
The present application provides a computer-readable storage medium, on which a computer program is stored, and when the program is executed by a processor, the method shown in the above embodiments is implemented.
Compared with the prior art that a swallowed bank card with inconsistent issuer and acquirer can be retrieved only by manually providing a proving material, the method and the device for retrieving the bank card obtain the 3DS authentication information of the bank card to be retrieved, which is input by a user, and then send the 3DS authentication information of the bank card to be retrieved to a server for authentication; the server is used for verifying based on pre-stored target 3DS authentication information of the bank card to be retrieved and sending a first dynamic password to the user client after the verification is passed; then acquiring a second dynamic password input by a user based on the first dynamic password received by the user client, and forwarding the second dynamic password to the server; the server is used for matching the received second dynamic password with the first dynamic password and sending matching result information to the ATM; and finally, the ATM is used for determining whether to allow the user to retrieve the bank card to be retrieved based on the matching result information. The user is authenticated based on the 3DS authentication information received by the service, and the dynamic password is sent by the server to authenticate the user, and the dual authentication ensures that the user is the owner of the bank card to be taken back, so that the user can take back the bank card to be taken back on the premise of ensuring the safety; in addition, even if the bank card to be taken back is not in the same bank as the bank where the ATM is located, the user can take back the bank card to be taken back under the condition that the double authentication passes, and furthermore, the user does not need to manually provide a proving material, so that the card taking program is simplified, the card taking period can be reduced, and the user experience is further improved.
The embodiment of the application provides a computer-readable storage medium which is suitable for the method embodiment. And will not be described in detail herein.
It should be understood that, although the steps in the flowcharts of the figures are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and may be performed in other orders unless explicitly stated herein. Moreover, at least a portion of the steps in the flow chart of the figure may include multiple sub-steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, which are not necessarily performed in sequence, but may be performed alternately or alternately with other steps or at least a portion of the sub-steps or stages of other steps.
The foregoing is only a partial embodiment of the present application, and it should be noted that, for those skilled in the art, various modifications and decorations can be made without departing from the principle of the present application, and these modifications and decorations should also be regarded as the protection scope of the present application.
Claims (11)
1. A card-swallowing retrieving method based on 3DS authentication is applied to an ATM, and is characterized by comprising the following steps:
acquiring 3DS authentication information of a bank card to be retrieved, which is input by a user;
sending the 3DS authentication information of the bank card to be taken back to a server for authentication; the server is used for verifying based on pre-stored target 3DS authentication information of the bank card to be retrieved and sending a first dynamic password to the user client after the verification is passed;
acquiring a second dynamic password input by a user based on a first dynamic password received by a user client, and forwarding the second dynamic password to the server; the server is used for matching the received second dynamic password with the first dynamic password and sending matching result information to the ATM;
the ATM is used for determining whether to allow the user to retrieve the bank card to be retrieved based on the matching result information.
2. The method of claim 1, wherein obtaining the 3DS authentication information of the bank card to be retrieved, input by the user, previously comprises:
acquiring bank card number information of a preset position and preset digit of a bank card to be retrieved, which is input by a user;
and when the information of the bank card number with the preset position and the preset number of the digits of a certain bank card swallowed by the ATM is consistent with the information of the bank card number with the preset position and the preset number of the digits of the bank card to be taken back, which is input by a user, prompting the user to input 3DS authentication information.
3. The method of claim 1, wherein the server is a 3DS authentication server or a card issuer server of the bank card to be retrieved.
4. The method of claim 3, if the server is a card issuer server of a bank card to be verified, the method further comprising:
determining a card opening bank of the bank card to be retrieved;
and sending the 3DS authentication information of the bank card to be taken back to a card issuing bank server for authentication.
5. The method of any of claims 1-4, wherein the 3DS authentication information comprises at least one of:
date information of the card surface of the bank card; the safety code information of the card surface of the bank card; and (4) customizing information by a user.
6. A card-swallowing retrieving method based on 3DS authentication is applied to a server and is characterized by comprising the following steps:
receiving 3DS authentication information of a bank card to be retrieved sent by an ATM, wherein the 3DS authentication information of the bank card to be retrieved sent by the ATM is input by a user;
the server is used for verifying the received 3DS authentication information based on pre-stored target 3DS authentication information of the bank card to be retrieved and sending a first dynamic password to the user client after the verification is passed;
the server receives a second dynamic password forwarded by the ATM, and the second dynamic password forwarded by the ATM is sent by a user based on a first dynamic password received by the user client;
the server matches the received second dynamic password with the first dynamic password and sends matching result information to the ATM, and the ATM determines whether to allow the user to retrieve the bank card to be retrieved or not based on the received matching result information.
7. The method of claim 6, wherein the server is a 3DS authentication server or a card issuer server of the bank card to be retrieved.
8. A card-swallowing retrieving device based on 3DS authentication, which is applied to an ATM, is characterized by comprising:
the first acquisition module is used for acquiring 3DS authentication information of the bank card to be retrieved, which is input by a user;
the first sending module is used for sending the 3DS authentication information of the bank card to be retrieved to a server for authentication; the server is used for verifying based on pre-stored target 3DS authentication information of the bank card to be retrieved and sending a first dynamic password to the user client after the verification is passed;
the second acquisition module is used for acquiring a second dynamic password input by a user based on the first dynamic password received by the user client and forwarding the second dynamic password to the server; the server is used for matching the received second dynamic password with the first dynamic password and sending matching result information to the ATM;
a first determining module, configured to determine whether to allow the user to retrieve the bank card to be retrieved based on the matching result information.
9. A card-swallowing retrieving device based on 3DS authentication, applied to a server, includes:
the receiving module is used for receiving 3DS authentication information of the bank card to be retrieved sent by the ATM, and the 3DS authentication information of the bank card to be retrieved sent by the ATM is input by a user;
the verification module is used for verifying the received 3DS authentication information based on pre-stored target 3DS authentication information of the bank card to be retrieved and sending a first dynamic password to the user client after the verification is passed;
the receiving module is used for receiving a second dynamic password forwarded by the ATM, and the second dynamic password forwarded by the ATM is sent by a user based on a first dynamic password received by a user client;
and the matching module is used for matching the received second dynamic password with the first dynamic password and sending matching result information to the ATM, and the ATM determines whether to allow the user to retrieve the bank card to be retrieved or not based on the received matching result information.
10. An electronic device, comprising:
one or more processors;
a memory;
one or more applications, wherein the one or more applications are stored in the memory and configured to be executed by the one or more processors, the one or more programs configured to: performing a 3DS authentication-based card-swallowing retrieval method according to any of claims 1 to 7.
11. A computer-readable storage medium for storing computer instructions which, when run on a computer, cause the computer to perform the 3DS authentication-based card-swallowing retrieval method of any of claims 1 to 7.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202010496477.9A CN111768567A (en) | 2020-06-03 | 2020-06-03 | Card-swallowing retrieving method and device based on 3DS authentication and electronic equipment |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202010496477.9A CN111768567A (en) | 2020-06-03 | 2020-06-03 | Card-swallowing retrieving method and device based on 3DS authentication and electronic equipment |
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| CN111768567A true CN111768567A (en) | 2020-10-13 |
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Application publication date: 20201013 |