CN111882317A - Business processing system, readable storage medium and electronic device - Google Patents
Business processing system, readable storage medium and electronic device Download PDFInfo
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- CN111882317A CN111882317A CN202010635222.6A CN202010635222A CN111882317A CN 111882317 A CN111882317 A CN 111882317A CN 202010635222 A CN202010635222 A CN 202010635222A CN 111882317 A CN111882317 A CN 111882317A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/356—Aspects of software for card payments
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/409—Device specific authentication in transaction processing
Abstract
The present specification discloses a business processing system, a readable storage medium and an electronic device, wherein after receiving a card binding request sent by a user, a business platform sends a query request to a bank public service platform according to the identity information of the user, so that the bank public service platform queries out bank cards transacted by the user in each bank. And then, screening at least one bank card from the bank cards transacted by the user in each bank according to the historical binding card record of the user to serve as a candidate bank card. And then, displaying the bank card information of the candidate bank card to the user, and binding the bank card selected by the user as a target bank card into business, so that the user can perform business processing through the target bank card. Compared with the prior art, the system can enable the user to conveniently and rapidly bind the bank card held by the user, improves the business binding efficiency of the user, and further effectively improves the business processing efficiency of the user based on the bound bank card.
Description
Technical Field
The present disclosure relates to the field of computers, and in particular, to a service processing system, a readable storage medium, and an electronic device.
Background
With the rapid development of information technology, online payment is widely applied to the life of people, and great convenience is brought to the life of people.
Users usually need to bind their own bank cards in the service platform to pay for the service online. In the prior art, a user needs to perform multiple interactions at a bank client or a service platform to complete service binding of a bank card. For example, the user may select a bank to which the bank card to be bound belongs through the service platform, so as to jump to a page corresponding to the bank, and the user may select the bank card held by the user in the page, thereby completing the service binding of the bank card.
Disclosure of Invention
The specification provides a business processing system, a readable storage medium and an electronic device, which are used for realizing business binding of a bank card.
The technical scheme adopted by the specification is as follows:
this specification provides a service processing system including: the system comprises a business platform and a bank public service platform;
the business platform receives a card binding request sent by a user, determines identity information of the user according to the card binding request, sends a query request to a bank public service platform according to the identity information, receives a query result returned by the bank public service platform, determines bank cards handled by the user in various banks according to the query result, screens out at least one bank card from the bank cards handled by the user in various banks according to historical card binding records of the user to serve as candidate bank cards, displays bank card information of the candidate bank cards to the user, determines a bank card selected by the user from the candidate bank cards to serve as a target bank card, and binds the target bank card in business so that the user can perform business processing through the target bank card;
the bank public service platform acquires an inquiry request sent by a service platform, inquires out bank cards transacted by the user in each bank according to the identity information of the user carried in the inquiry request, and returns the inquired bank card information of the bank cards transacted by the user in each bank as an inquiry result to the service platform.
Optionally, the service platform determines, according to the historical card binding record of the user, a bank card that has been service-bound by the user in the service platform, as a bound bank card, and for each bank card that the user transacts at each bank, if the bank card does not belong to the bound bank card, the bank card is used as a screened candidate bank card.
Optionally, the service platform determines a bank to which the service platform has access as an appointed bank before screening at least one bank card from the bank cards handled by the user in each bank according to the historical card binding record of the user and taking the bank card as a candidate bank card;
and if the bank card does not belong to the bound bank card and the bank to which the bank card belongs to the specified bank, the business platform takes the bank card as the screened candidate bank card.
Optionally, the service platform, for each bank in which the user has handled a bank card, if determining that the number of times that the user has historically used the bank card of the bank to perform service binding is not less than a set binding number according to the historical card binding record of the user, and screening out the bank card that the user has handled in the bank and has not performed service binding on the service platform as a candidate bank card.
Optionally, the service platform screens out, as candidate bank cards, bank cards that have been handled by the user in the bank and are not in service binding with the service platform and other service platforms according to the historical card binding records of the user on the service platform and the historical card binding records of the user on other service platforms.
Optionally, before the service platform screens out at least one bank card from the bank cards transacted by the user at each bank according to the historical card binding record of the user, determining a service channel on which the card binding request sent by the user is based, determining a service corresponding to the service channel as a specified service, and sending a service record query request to the bank public service platform, where the service record query request is used to query a service record of the specified service executed by the user using the bank card transacted at each bank;
the business platform screens at least one bank card which meets a card binding strategy corresponding to the specified business from the bank cards handled by the users in each bank according to the business records returned by the bank public service platform to serve as a candidate bank card;
and the bank public service platform receives the business record query request sent by the business platform and returns the queried business record to the business platform.
Optionally, the service platform sends, to the bank public service platform, an authorization request for authorizing the service platform to use the target bank card to execute a service provided by the service platform by the user, receives an authorization result returned by the bank public service platform for the authorization request, and according to the authorization result;
and the bank public service platform receives the business record query request sent by the business platform and returns the queried business record to the business platform.
Optionally, the service platform performs service binding on the target bank card and the specified service, so that the user performs service processing for the specified service through the target bank card.
Optionally, the bank public service platform integrates, for each queried bank card handled by the user in each bank, bank information of a bank to which the bank card belongs and a bank card identifier of the bank card, obtains bank card information corresponding to the bank card, and returns the bank card information to the service platform.
The present specification provides a computer-readable storage medium storing a computer program which, when executed by a processor, implements the functions of the above-described business platform or bank public service platform.
The present specification provides an electronic device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the functions of the business platform or the bank public service platform when executing the program.
The technical scheme adopted by the specification can achieve the following beneficial effects:
the system can be seen that after receiving a card binding request sent by a user, the service platform determines the identity information of the user according to the card binding request and sends an inquiry request to the bank public service platform according to the identity information, so that the bank public service platform inquires out the bank card transacted by the user in each bank. And then, screening at least one bank card from the bank cards transacted by the user in each bank according to the historical binding card record of the user to serve as a candidate bank card. And then, displaying the bank card information of the candidate bank cards to the user, determining that the bank card selected by the user from the candidate bank cards is used as a target bank card, and binding the target bank card in business, so that the user can perform business processing through the target bank card.
In the process, the bank cards held by the user can be directly screened out, and the user selects the bank card to be bound from the screened out bank cards, so that the business binding of the bank cards is completed. Compared with the prior art, the system can enable a user to conveniently and rapidly bind the bank card held by the user, improves the business binding efficiency of the user, and further effectively improves the business processing efficiency of the user based on the bound bank card.
Drawings
The accompanying drawings, which are included to provide a further understanding of the specification and are incorporated in and constitute a part of this specification, illustrate embodiments of the specification and together with the description serve to explain the specification and not to limit the specification in a non-limiting sense. In the drawings:
fig. 1 is a schematic architecture diagram of a service processing system in the present specification;
fig. 2 is a schematic diagram of bank card information of a candidate bank card in a client interface provided in the present specification;
fig. 3 is a complete flow chart of binding a bank card for a user according to the present specification;
fig. 4 is a schematic diagram of an electronic device corresponding to the business platform or the bank public service platform in fig. 1 provided in the present specification.
Detailed Description
In order to make the objects, technical solutions and advantages of the present disclosure more clear, the technical solutions of the present disclosure will be clearly and completely described below with reference to the specific embodiments of the present disclosure and the accompanying drawings. It is to be understood that the embodiments described are only a few embodiments of the present disclosure, and not all embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present specification without any creative effort belong to the protection scope of the present specification.
In practical application, a user can select a bank card to be bound in a service platform through a bank client, so that service binding of the bank card is completed, or the user can select a certain bank in the service platform and use the bank card of the bank to complete service binding. However, both of the two ways require the user to perform a series of interactive operations in the bank client and the service platform, which affects the service binding efficiency of the user.
For example, when a user binds a business card on a business platform, the user can select a bank to which a bank card needing to be bound belongs from banks accessed by the business platform. Correspondingly, the business platform can determine and display the bank card transacted by the user in the bank, so that the user can select the bank card to be bound in business. The method can finish the business binding of the bank card only by finishing a plurality of times of interactive operations in the business platform, thereby greatly influencing the efficiency of executing the business binding of the user and bringing great inconvenience to the business binding process of the user.
In order to solve the above problem, the present specification provides a business processing system, which includes a business platform and a bank public service platform, where the business platform is used to provide various businesses to a user, and the bank public service platform is used to query relevant information of the user to each bank according to a request sent by the business platform. The service platform can directly determine the bank cards handled by the user in each bank, and screen out candidate bank cards to be displayed to the user, so that the user can select the bank cards needing to be bound for service binding. Therefore, the user can quickly complete the business binding of the bank card without carrying out multiple operations, thereby effectively improving the business binding efficiency of the user. The following describes the service processing system in detail.
The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.
Fig. 1 is a schematic architecture diagram of a service processing system in this specification, and the service processing system executes the following steps:
s101: and the service platform receives a card binding request sent by a user.
In practical applications, a user may perform a service in a terminal owned by the user or a client installed in the terminal. When performing services such as payment, insurance and the like, it is generally necessary to bind their own bank cards on the service platform in advance to perform these online services quickly through the bound bank cards. Therefore, in this specification, a user may perform an operation of binding a bank card in a terminal owned by the user or a client installed in the terminal, and accordingly, the terminal or the client may send a card binding request to the service platform according to the operation of binding the bank card performed by the user. The terminal mentioned here may refer to an electronic device such as a smart phone, a tablet computer, a desktop computer, and a notebook computer that a user holds. And the client installed in the terminal may refer to a client provided by the service platform to the user for executing the service on the service platform.
S102: and the service platform determines the identity information of the user according to the card binding request.
After receiving the card binding request of the user, the service platform can determine the identity information of the user according to the card binding request of the user. Specifically, after receiving the card binding request, the service platform may determine a user account on which the user sends the card binding request, and then determine the identity information of the user according to the user account. The identity information mentioned here may refer to the real name, identification number, mobile phone number, etc. of the user.
S103: and the service platform sends a query request to a bank public service platform according to the identity information.
After the business platform determines the identity information of the user, an inquiry request can be sent to the bank public service platform, so that the bank public service platform can inquire out the bank cards transacted by the user in each bank. The bank public service platform mentioned herein may refer to a platform for communication between a business platform and a bank, for example, a non-bank payment institution network payment clearing platform (i.e., internet). Of course, the bank public service platform itself can also record the bank card information of the bank card handled by each user in each bank.
S104: and the bank public service platform inquires out the bank cards transacted by the user in each bank according to the identity information of the user carried in the inquiry request.
S105: and the bank public service platform returns the inquired bank card information of the bank card transacted by the user in each bank as an inquiry result to the business platform.
After receiving the query request of the service platform, the bank public service platform can query the bank card transacted by the user in each bank according to the identity information of the user carried in the query request, and return the queried bank card information to the service platform as a query result. That is, the business platform may determine all the bank cards held by the user by querying the bank cards handled by the user at each bank through the bank public service platform. Of course, if the bank public service platform itself already records the bank card information of the bank card handled by each user in each bank, the bank public service platform can locally (i.e. the bank public service platform) query the bank card information of the bank card handled by each user in each bank according to the identity information of the user carried in the query request, and return the queried bank card information to the service platform as a query result.
S106: and the service platform determines the bank cards transacted by the user in each bank according to the query result.
S107: and the service platform screens out at least one bank card from the bank cards handled by the user in each bank according to the historical card binding record of the user to serve as a candidate bank card.
After the business platform receives the query result returned by the bank public service platform, the bank card transacted by the user in each bank can be determined according to the query result. Then, the service platform can screen at least one bank card from the bank cards handled by the user in each bank according to the historical card binding record of the user, and the bank card is used as a candidate bank card. The service platform can determine a screening condition according to actual service requirements so as to screen candidate bank cards from the bank cards handled by the user in each bank. For example, for each bank to which a bank card held by the user belongs, if the service platform determines that the number of times that the user uses the bank card of the bank to perform service binding in history is not less than the set binding number according to the historical binding record of the user, the bank card that the user transacts in the bank and is not bound on the service platform can be screened out as a candidate bank card. In other words, if the service platform determines that the user uses the bank card under the same bank for service binding for many times according to the historical card binding record of the user, the service platform may screen out, from all the bank cards held by the user (i.e., the bank cards handled by the user at each bank), the bank card that the user has handled at the bank and has not completed service binding on the service platform, as a candidate bank card.
For another example, the service platform may determine, according to the historical card binding record of the user, a bank card that the user has performed service binding in the service platform as a bound bank card, and then, for each bank card that the user transacts in each bank, if it is determined that the bank card does not belong to the bound bank card, take the bank card as a screened candidate bank card.
For another example, in an actual application, there may be another service platform cooperating with the service platform, based on which, the service platform may select, as candidate bank cards, bank cards that have been transacted by the user in each bank and that have not been business-bound in the service platform and the other service platforms, from the bank cards transacted by the user in each bank according to the historical card binding records of the user on the service platform and the historical card binding records of the user on the other service platforms (for this case, the historical card binding records mentioned in step S107 include both the historical card binding records of the user on the service platform and the historical card binding records of the user on the other service platforms). Wherein, the other service platform mentioned here can refer to a service platform which has cooperation and association with the service platform on the service.
It should be noted that, in practical application, the service platform may select a bank that needs to be accessed to the service platform according to its own actual situation, where the bank that is accessed to the service platform refers to a bank that the subsequent service platform can support the user to use the bank card of the bank to perform the service on the service platform. And not all banks actually have access to the service platform. Therefore, the candidate bank card screened by the service platform needs to be guaranteed to be the bank card belonging to the bank accessed to the service platform.
Therefore, before screening out the candidate bank card, the service platform can determine the bank accessed in the service platform as the designated bank, and no matter what screening condition is used when screening out the candidate bank card, the bank to which the screened out candidate bank card belongs needs to be the designated bank.
In this specification, the specific time when the business platform determines the designated bank may be various, for example, the business platform may determine the designated bank before sending the query request to the bank public service platform, and then the query request sent by the business platform to the bank public service platform is used to query the request of the bank card handled by the user in each of the designated banks; for another example, the service platform may also determine the designated bank after sending the query request to the bank public service platform, and then the bank to which the candidate bank card screened by the service platform belongs to the designated bank, that is, the bank card of the designated bank needs to be screened when the service platform screens the candidate bank card, and other occasions are not described in detail here.
The service platform may also determine a service channel on which the user sends the card binding request before screening out the candidate bank card, and determine a service corresponding to the service channel as an assigned service. The service channel mentioned herein may be understood as a channel provided by the service platform to the user for performing service execution, for example, a page on which the user performs the online shopping service may be understood as a service channel on which the user performs the online shopping service. Accordingly, the designated service is used to indicate which service the user has sent a card binding request at the time of executing.
The business platform can send a business record query request to the bank public service platform, wherein the business record query request is used for querying the business record of the specified business executed by the user by using the bank card transacted in the bank. And then, according to the business record returned by the bank public service platform, screening at least one bank card which meets the card binding strategy corresponding to the specified business from the bank cards handled by the user in each bank to serve as a candidate bank card. Further, after the service platform subsequently determines the target bank card, the service platform may perform service binding on the target bank card and the specified service, so that the user may subsequently perform service processing for the specified service through the target bank card.
For example, assuming that the designated service is an online shopping service, the service platform determines that the times of the user using the bank card a and the bank card B to respectively execute the online shopping service exceed the set online shopping times according to the service records returned by the bank public service platform, and then may determine that the times of the user using the bank card a and the bank card B to execute the online shopping service conform to the card binding policy of the online shopping service, and further may use the bank card a and the bank card B as candidate bank cards. If the subsequent user selects the bank card A as the target bank card, the service platform can bind the bank card A with the online shopping service, so that the user can complete corresponding payment through the bank card A when the online shopping service is subsequently executed.
For another example, assuming that the designated service is a financial service, the service platform determines that the times of the user using the bank card C and the bank card D to respectively execute other service platforms or financial services provided by each bank exceed the set financial times according to service records returned by the bank public service platform, and then determines that the times of the user using the bank card C and the bank card D to execute the financial services conform to the card binding policy of the financial service, and further may use the bank card C and the bank card D as candidate bank cards. If the subsequent user selects the bank card C as the target bank card, the business platform can bind the bank card C with the financial management business mentioned by the business platform, so that the user can complete corresponding financial management through the bank card C when subsequently executing the financial management business provided by the business platform.
As can be seen from the above example, the card binding policies corresponding to different specified services are different, and the card binding policies may be set according to actual service requirements. And the binding card policies corresponding to other specified services are not illustrated herein.
S108: and the service platform displays the bank card information of the candidate bank card to the user.
S109: and the service platform determines the bank card selected by the user from the candidate bank cards as a target bank card.
After the business platform determines each candidate bank card, the bank card information of each candidate bank card may be displayed in the terminal of the user or the client installed in the terminal for the user to select, as shown in fig. 2.
Fig. 2 is a schematic diagram of bank card information of a candidate bank card in a client interface provided in the present specification.
For example, if the service platform monitors that the user clicks the + add bank card option in the client, the service platform may send an inquiry request to the bank public service platform, and then, the service platform screens out each candidate bank card according to an inquiry result returned by the bank public service platform and displays the bank card information of the candidate bank card to the user through the client. The user can select the bank card to be bound through the client, and the business platform can use the bank card as a target bank card to be bound in business. As can be seen from the figure, the service platform determines two candidate bank cards, and displays the bank card information of the two candidate bank cards in the client in sequence, and if the service platform monitors that the last four bank card information of the bank card number selected by the user is "0011", the service platform can bind the bank card corresponding to the bank card information as a target bank card in business.
S110: and the business platform binds the target bank card into business binding so that the user can perform business processing through the target bank card.
And after determining the target bank card, the business platform can perform business binding aiming at the target bank card. Specifically, the service platform may send, to the bank public service platform, an authorization request for authorizing the service platform to use the target bank card to execute the service provided by the service platform. After receiving the authorization request, the bank public service platform can send the authorization request to the bank to which the target bank card belongs. After receiving the authorization request, the bank to which the target bank card belongs can determine an authorization result and return the authorization result to the service platform through the bank public service platform, and the service platform can execute service binding aiming at the target bank card after receiving the authorization result.
If the authorization result determined by the bank to which the target bank card belongs indicates that the business platform can perform business binding aiming at the target bank card, the business platform can perform business binding on the target bank card, and if the authorization result determined by the bank to which the target bank card belongs indicates that the business platform cannot perform business binding aiming at the target bank card, the business platform cannot perform business binding on the target bank card.
In this specification, a user can perform service processing in the service platform through a target bank card bound to the service platform according to actual needs of the user. Specifically, the service platform may receive a service request sent by a user (for example, a service request that the user needs to perform online payment through the target bank card is received), and the service platform may determine, according to user information carried in the service request, a target bank card corresponding to the user information, and further process, through the target bank card, a service corresponding to the service request.
It should be noted that the bank card information of the bank card in the query result returned to the service platform by the bank public service platform can indicate the bank to which the bank card belongs and the bank card number of the bank card, for example, in fig. 2, after the service platform receives the query result, the service platform screens out the candidate bank card a and the candidate bank card B from the bank cards handled by each bank, and displays the bank card information of the candidate bank card a and the bank card information of the candidate bank card B in the query result to the user. It can be seen from this that the bank card information of the candidate bank card a can indicate that the bank to which the candidate bank card a belongs is the bank C, the last four digits of the bank card number of the candidate bank card a are "0011", the bank card information of the candidate bank card B can indicate that the bank to which the candidate bank card B belongs is the bank D, and the last four digits of the bank card number of the candidate bank card B are "2000".
That is to say, when the bank public service platform determines the bank card information of the bank card handled by the user at each bank, it needs to integrate the bank information of the bank to which the bank card belongs and the bank card identifier of the bank card for each queried bank card handled by the user at each bank, so as to obtain the bank card information corresponding to the bank card and return the bank card information to the service platform. The bank card identifier is the above mentioned bank card number.
To further describe the business processing system provided in this specification, the following describes a complete process of binding a bank card on a business platform by a user with actual interaction among the user, the business platform, a bank public service platform and banks, as shown in fig. 3.
Fig. 3 is a complete flow chart of binding a bank card for a user according to the present specification.
As shown in fig. 3, a user may send a card binding request through a terminal held by the user or a client installed in the terminal, and after receiving the card binding request of the user, the service platform sends an inquiry request for inquiring a bank card transacted by the user at each bank to the bank public service platform. The bank public service platform receives the query request, determines the bank card of the bank transacted by the user aiming at each bank, and returns the query result to the service platform. And the service platform determines the bank cards transacted by the user in each bank according to the received query result, screens out at least one bank card, and displays the bank card information corresponding to the candidate bank card to the user after the bank card is used as the candidate bank card.
The service platform determines a bank card corresponding to the information of the bank card selected by the user as a target bank card, and sends an authorization request of the user authorizing the service platform to execute the service provided by the service platform by using the target bank card to a bank to which the target bank card belongs through the bank public service platform so that the bank determines an authorization result, and the authorization result is returned to the service platform through the bank public service platform. And the service platform receives the authorization result to execute service binding aiming at the target bank card.
In the process, the service platform can determine the bank cards handled by the user in each bank, and screen out the bank cards which are not subjected to service binding from the bank cards as candidate bank cards, so that the bank card information of the candidate bank cards is displayed to the user, and the user can select the bank cards from the candidate bank cards to be subjected to service binding. Therefore, compared with the prior art, the user can complete the business binding of the bank card without carrying out multiple interactive operations, so that the business binding efficiency of the user is improved, and the business processing efficiency of the user based on the bound bank card is effectively improved.
The present specification also provides a computer-readable storage medium storing a computer program, which can be used to execute the functions of the business platform or the bank public service platform in fig. 1.
This specification also provides a schematic block diagram of the electronic device shown in fig. 4. As shown in fig. 4, at the hardware level, the electronic device includes a processor, an internal bus, a network interface, a memory, and a non-volatile memory, and may also include hardware required for other services. The processor reads a corresponding computer program from the nonvolatile memory into the memory and then runs the computer program to realize the functions of the business platform or the bank public service platform in the figure 1. Of course, besides the software implementation, the present specification does not exclude other implementations, such as logic devices or a combination of software and hardware, and the like, that is, the execution subject of the following processing flow is not limited to each logic unit, and may be hardware or logic devices.
In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Language Description Language), traffic, pl (core unified Programming Language), HDCal, JHDL (Java Hardware Description Language), langue, Lola, HDL, laspam, hardsradware (Hardware Description Language), vhjhd (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.
The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the various elements may be implemented in the same one or more software and/or hardware implementations of the present description.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that 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 like elements in a process, method, article, or apparatus that comprises the element.
As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, the description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
This description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
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, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
The above description is only an example of the present specification, and is not intended to limit the present specification. Various modifications and alterations to this description will become apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present specification should be included in the scope of the claims of the present specification.
Claims (11)
1. A transaction system, comprising: the system comprises a business platform and a bank public service platform;
the business platform receives a card binding request sent by a user, determines identity information of the user according to the card binding request, sends a query request to a bank public service platform according to the identity information, receives a query result returned by the bank public service platform, determines bank cards handled by the user in various banks according to the query result, screens out at least one bank card from the bank cards handled by the user in various banks according to historical card binding records of the user to serve as candidate bank cards, displays bank card information of the candidate bank cards to the user, determines a bank card selected by the user from the candidate bank cards to serve as a target bank card, and binds the target bank card in business so that the user can perform business processing through the target bank card;
the bank public service platform acquires an inquiry request sent by a service platform, inquires out bank cards transacted by the user in each bank according to the identity information of the user carried in the inquiry request, and returns the inquired bank card information of the bank cards transacted by the user in each bank as an inquiry result to the service platform.
2. The system according to claim 1, wherein the service platform determines, according to the historical binding record of the user, a bank card that the user has performed service binding in the service platform as a bound bank card, and for each bank card that the user transacts at each bank, if the bank card does not belong to the bound bank card, the bank card is taken as a screened candidate bank card.
3. The system of claim 2, wherein the service platform determines the bank accessed by the service platform as a designated bank before screening at least one bank card from the bank cards handled by the user in each bank as a candidate bank card according to the historical binding record of the user;
and if the bank card does not belong to the bound bank card and the bank to which the bank card belongs to the specified bank, the business platform takes the bank card as the screened candidate bank card.
4. The system of claim 1, wherein the service platform, for each bank where the user has handled a bank card, if determining that the number of times that the user has historically used the bank card of the bank to perform service binding is not less than a set binding number according to the historical card binding record of the user, screens out the bank card that the user has handled at the bank and that the service binding is not performed at the service platform as a candidate bank card.
5. The system of claim 1, wherein the business platform screens out bank cards that are transacted by the user in a bank and are not business-bound in the business platform and other service platforms as candidate bank cards according to the historical binding records of the user on the business platform and the historical binding records of the user on other service platforms.
6. The system according to claim 1, wherein the service platform determines a service channel on which the user sends the card binding request and determines a service corresponding to the service channel as a designated service before screening at least one bank card from the bank cards transacted by the user according to the historical card binding record of the user, and sends a service record query request to the bank public service platform, wherein the service record query request is used for querying a service record of the user for executing the designated service by using the bank card transacted by each bank;
the business platform screens at least one bank card which meets a card binding strategy corresponding to the specified business from the bank cards handled by the users in each bank according to the business records returned by the bank public service platform to serve as a candidate bank card;
and the bank public service platform receives the business record query request sent by the business platform and returns the queried business record to the business platform.
7. The system of claim 6, wherein the service platform is configured to perform service binding between the target bank card and the specified service, so that the user performs service processing for the specified service through the target bank card.
8. The system of claim 1, wherein the service platform sends an authorization request to the bank public service platform that the user authorizes the service platform to use the target bank card to execute the service provided by the service platform, receives an authorization result returned by the bank public service platform for the authorization request, and based on the authorization result;
and the bank public service platform receives the authorization request sent by the service platform, acquires an authorization result from the bank to which the target bank card belongs according to the authorization request, and returns the authorization result to the service platform.
9. The system as claimed in claim 1, wherein the bank public service platform integrates, for each queried bank card handled by the user at each bank, the bank information of the bank to which the bank card belongs and the bank card identifier of the bank card to obtain the bank card information corresponding to the bank card and return the bank card information to the service platform.
10. A computer-readable storage medium, characterized in that the storage medium stores a computer program, which when executed by a processor implements the functionality of the business platform or the banking public service platform of any one of the preceding claims 1 to 9.
11. An electronic device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor implements the functions of the business platform or the bank public service platform according to any one of claims 1 to 9 when executing the program.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202010635222.6A CN111882317A (en) | 2020-07-03 | 2020-07-03 | Business processing system, readable storage medium and electronic device |
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| CN202010635222.6A CN111882317A (en) | 2020-07-03 | 2020-07-03 | Business processing system, readable storage medium and electronic device |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112669043A (en) * | 2021-03-17 | 2021-04-16 | 中国银联股份有限公司 | Card binding method, terminal device, authentication server and storage medium |
| CN113438223A (en) * | 2021-06-23 | 2021-09-24 | 中国银行股份有限公司 | Bank card security setting method and device |
| CN115049387A (en) * | 2021-03-09 | 2022-09-13 | 北京同邦卓益科技有限公司 | Payment card binding method and device, electronic equipment and storage medium |
| CN115601151A (en) * | 2022-12-12 | 2023-01-13 | 平安银行股份有限公司（Cn） | Credit card management method, electronic equipment and storage medium |
-
2020
- 2020-07-03 CN CN202010635222.6A patent/CN111882317A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115049387A (en) * | 2021-03-09 | 2022-09-13 | 北京同邦卓益科技有限公司 | Payment card binding method and device, electronic equipment and storage medium |
| CN112669043A (en) * | 2021-03-17 | 2021-04-16 | 中国银联股份有限公司 | Card binding method, terminal device, authentication server and storage medium |
| WO2022193594A1 (en) * | 2021-03-17 | 2022-09-22 | 中国银联股份有限公司 | Card binding method, terminal device, authentication server and storage medium |
| CN113438223A (en) * | 2021-06-23 | 2021-09-24 | 中国银行股份有限公司 | Bank card security setting method and device |
| CN115601151A (en) * | 2022-12-12 | 2023-01-13 | 平安银行股份有限公司（Cn） | Credit card management method, electronic equipment and storage medium |
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Application publication date: 20201103 |