CN112163853A - Multi-channel intelligent card binding method - Google Patents
Multi-channel intelligent card binding method Download PDFInfo
- Publication number
- CN112163853A CN112163853A CN202011008006.5A CN202011008006A CN112163853A CN 112163853 A CN112163853 A CN 112163853A CN 202011008006 A CN202011008006 A CN 202011008006A CN 112163853 A CN112163853 A CN 112163853A
- Authority
- CN
- China
- Prior art keywords
- channel
- card
- binding
- card binding
- information
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
-
- 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
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to the technical field of payment, in particular to a multi-channel intelligent card binding method, which realizes the uniform integration of different channels and card binding modes of different channels, unifies data processing specifications of channel interfaces, removes a large amount of repeated operations and improves the card binding efficiency. The invention relates to a multi-channel intelligent card binding method, which fills in card binding information according to the fact that different channels jump to corresponding card binding pages, stores the card binding information to a database, uniformly packages request parameters, jumps to different channel interfaces according to channels into which the card binding information is transmitted to process data, the channel interfaces unify data processing specifications, inputs and submits an acquired short message verification code, calls different interfaces according to different transmitted channels to carry out short message verification, and changes the card binding information to the database according to returned information after the channels synchronously return information. The invention is suitable for multi-channel binding.
Description
Technical Field
The invention relates to the technical field of payment, in particular to a multi-channel intelligent card binding method.
Background
A payment platform is bound to have access to multiple payment channels, and there are multiple channels like quick payment, for example: the method is safe and quick, has rich blessings and is quick in gold, and the quick payment is based on the premise that the card binding is needed and the corresponding payment can be carried out only after the bank card is bound. More and more channels are accessed, each channel is an independent processing flow, more and more repeated operations are needed, time and labor are consumed, and great problems are caused in subsequent access and maintenance.
Disclosure of Invention
The invention aims to provide a multi-channel intelligent card binding method, which is used for uniformly integrating different channels and card binding modes of different channels, has uniform and standard channel interfaces, reduces a large amount of repeated operations and improves the card binding efficiency.
The invention adopts the following technical scheme to realize the purpose, and the multi-channel intelligent card binding method comprises the following steps:
step (1), sending a card binding application in a current quick payment system;
step (2), judging whether a channel is selected for card binding, and if so, entering card binding mode verification; otherwise, entering the step (3);
step (3), judging whether an account exists in the current quick payment system, if so, entering step (4), otherwise, entering step (5);
step (4), judging whether the user is bound with an effective fast bank card, if so, selecting a channel which is newly bound with the fast bank card as the channel for binding the card, and if not, entering a channel route acquisition channel;
step 5, account opening processing is carried out, and a channel route is entered to obtain a channel;
step (6), after the channel is obtained, entering card binding mode verification;
skipping to a corresponding binding card page according to different channels to fill binding card information, wherein the binding card information comprises the channel to which the binding card belongs, and acquiring a short message verification code;
step (8), storing the card binding information into a database, uniformly packaging request parameters, and skipping to different channel interfaces to process data according to channels transmitted by the card binding information, wherein the channel interfaces have unified data processing specifications;
step (9), the obtained short message verification code is input and submitted, and different interfaces are called according to different transmitted channels to carry out short message verification;
and (10) after the channel returns information synchronously, changing the card binding information to the database according to the returned information.
Further, in step (3), the presence accounts include a presence system account and a presence bank account.
Further, in step (4), the role of the channel route includes: different channels can be realized by entering different processors according to different services of different channels.
Further, in step (4) or step (5), the specific method for acquiring the channel by the incoming channel route includes: inquiring all effective channels accessed to the quick payment, and if only one effective channel exists, returning to the channel; if a plurality of effective channels exist, returning to the channel with the highest priority according to the set channel priority, and if the highest priority is the same, randomly returning to the channel.
Further, in the step (7), the short message verification code corresponds to the channel one to one.
Further, in the step (8), when the channel interface processes the data, the data are processed separately without mutual influence.
Further, in the step (10), after the card binding information is changed to the database, if the card binding is successful, the payment page is returned to display the effective bank card information.
The method and the system perform unified integration aiming at different channels and different channel card binding modes, jump to the card binding information on the corresponding card binding page in the world when the card binding is verified according to the obtained different channels, uniformly encapsulate request parameters during data processing, jump to different channel interfaces according to channels transmitted by the card binding information to process data, unify data processing specifications of the channel interfaces, remove a large amount of repeated operations, and improve the card binding efficiency.
Drawings
FIG. 1 is a flowchart of a multi-channel intelligent card binding method according to an embodiment of the invention.
Detailed Description
The invention discloses a multi-channel intelligent card binding method, which comprises the following steps:
step (1), sending a card binding application in a current quick payment system;
step (2), judging whether a channel is selected for card binding, and if so, entering card binding mode verification; otherwise, entering the step (3);
step (3), judging whether an account exists in the current quick payment system, if so, entering step (4), otherwise, entering step (5);
step (4), judging whether the user is bound with an effective fast bank card, if so, selecting a channel which is newly bound with the fast bank card as the channel for binding the card, and if not, entering a channel route acquisition channel;
step 5, account opening processing is carried out, and a channel route is entered to obtain a channel;
step (6), after the channel is obtained, entering card binding mode verification;
skipping to a corresponding binding card page according to different channels to fill binding card information, wherein the binding card information comprises the channel to which the binding card belongs, and acquiring a short message verification code;
step (8), storing the card binding information into a database, uniformly packaging request parameters, and skipping to different channel interfaces to process data according to channels transmitted by the card binding information, wherein the channel interfaces have unified data processing specifications;
step (9), the obtained short message verification code is input and submitted, and different interfaces are called according to different transmitted channels to carry out short message verification;
and (10) after the channel returns information synchronously, changing the card binding information to the database according to the returned information.
In step (3), the presence account includes a presence system account and a presence bank account.
In the step (4), the channel routing function includes: different channels can be realized by entering different processors according to different services of different channels.
In step (4) or step (5), the specific method for accessing the channel route to acquire the channel comprises the following steps: inquiring all effective channels accessed to the quick payment, and if only one effective channel exists, returning to the channel; if a plurality of effective channels exist, returning to the channel with the highest priority according to the set channel priority, and if the highest priority is the same, randomly returning to the channel.
In the step (7), the short message verification codes correspond to the channels one by one.
In the step (8), when the channel interface processes the data, the data are processed independently without mutual influence.
In the step (10), after the card binding information is changed to the database, if the card binding is successful, the effective bank card information can be displayed by returning to the payment page.
An embodiment of the present invention is a method flowchart, as shown in fig. 1, including:
firstly, a user performs pre-ordering processing, order information is transmitted to a cashier desk, and after the cashier desk is checked, the core processing stores the order information;
step two, the core process analyzes according to the information transmitted by the user, and inquires out all effective payment modes opened by the merchant: quick payment, online banking payment, withholding payment, and the like. The user can see the effective payment means presented on the checkout counter page. The user selects quick payment, the page has effective bank cards bound by the user (on the premise that the user opens an account and binds the bank cards), and the card binding button is arranged at the lower right corner;
and step three, clicking a card binding button by a user to initiate card binding, and entering a core processing layer. The core processing layer acquires merchant information, user information and order information according to the transmitted encrypted order number;
and step four, judging whether the user transmits the channel or not, and directly entering card binding mode verification when the user selects the channel. The bank can directly jump to the Unionpay page to bind the card, the third-party payment platform of Yufu and gold can only bind the card through the interface, the cashier desk provides the corresponding card binding page, and the core processing carries out different processing according to the transmitted channel;
and step five, if no channel is transmitted, whether the user performs account opening processing in the system is verified firstly. Opening an account belongs to two-layer meaning, firstly, the system is provided with an account for storing user information and card binding information; secondly, opening an account in a bank, wherein a virtual sub-account must be opened in the bank for bank transaction management in card binding operation;
step six, the core processing automatically carries out account opening processing for users without account opening. After the account is opened, channel routing is selected, mainly according to the information of the merchant (payee). Inquiring all effective shortcut channels supported by the merchant, and if only one channel exists, returning to the channel; if a plurality of effective channels exist, selecting the channel with the highest priority for returning according to the channel priority configured by the merchant on a management platform (a management operation page of a project); if the priority of the highest level is equal, returning to the channel randomly;
and step seven, if the user who has opened an account needs to check whether the user is bound with the bank card. If no binding card exists, entering a sixth step, inquiring all valid bank cards of the user, and if only one bank card exists, returning to the binding channel of the bank card; if a plurality of bank cards exist, screening a newly bound bank card, and returning to the bank card binding channel;
and step eight, obtaining a card binding channel, and entering card binding mode verification. If the channel is safe and quick, the channel is sent to acquire the URL, the page is skipped to the Unionpay page, and the card binding operation is carried out; the platform is bound with the card when the Yufu is fast and the gold is fast, and the platform binding card mode and the related card binding channel information are returned to the page;
step nine, the page jumps to a card binding page of a cashier desk according to a card binding mode, the card binding page comprises information of four elements of a bank card number, a reserved mobile phone number, a house name, an identity card and the like, and a user fills in correct information according to prompts and clicks a short message verification code acquisition button;
and step ten, the cashier desk checks all the transmitted parameters, the core process stores the transmitted card binding information into a database, and the state is a new state. Using a uniform parameter entity to package parameters, and skipping to a corresponding binding card application channel for processing according to the input binding card channel and the binding card application service type;
step eleven, uniformly standardizing the same service type of the channel processing interface, the same entity of the request parameter and the different channels, and skipping the different channel processing interfaces by the core processing layer according to the channel type and the service type. The request parameter entities are consistent, core processing does not need to be packaged separately for different channels, and only extra parameter fields need to be added in entity parameters. When accessing channels, only the processing interfaces of the channel modules need to be butted without considering bottom core processing;
step twelve, the channel returns the successful state of the short message verification code sending, and the front page of the cashier desk informs the user of the successful short message sending. The user inputs the verification code after receiving the short message and clicks a card binding application button;
and step thirteen, checking the card binding application parameters by the cashier desk, and jumping the unified packaging parameters to the corresponding card binding confirmation channel processing interface in the same step eleven. Inquiring the binding information, and modifying the binding information state (success or failure) and other information according to the binding state returned by the channel;
and step fourteen, returning the card binding result to a cashier desk, refreshing the page by the cashier desk, inquiring the card binding information of the user again, and displaying the bank card which is successfully bound.
In conclusion, the invention integrates the different channels and the card binding modes of the different channels uniformly, the channel interfaces are uniform and standard, a large amount of repeated operations are reduced, the service logic and the core processing are uniformly planned and processed, the workload of subsequent maintenance is reduced, and the card binding efficiency is improved.
Claims (7)
1. The multi-channel intelligent card binding method is characterized by comprising the following steps:
step (1), sending a card binding application in a current quick payment system;
step (2), judging whether a channel is selected for card binding, and if so, entering card binding mode verification; otherwise, entering the step (3);
step (3), judging whether an account exists in the current quick payment system, if so, entering step (4), otherwise, entering step (5);
step (4), judging whether the user is bound with an effective fast bank card, if so, selecting a channel which is newly bound with the fast bank card as the channel for binding the card, and if not, entering a channel route acquisition channel;
step 5, account opening processing is carried out, and a channel route is entered to obtain a channel;
step (6), after the channel is obtained, entering card binding mode verification;
skipping to a corresponding binding card page according to different channels to fill binding card information, wherein the binding card information comprises the channel to which the binding card belongs, and acquiring a short message verification code;
step (8), storing the card binding information into a database, uniformly packaging request parameters, and skipping to different channel interfaces to process data according to channels transmitted by the card binding information, wherein the channel interfaces have unified data processing specifications;
step (9), the obtained short message verification code is input and submitted, and different interfaces are called according to different transmitted channels to carry out short message verification;
and (10) after the channel returns information synchronously, changing the card binding information to the database according to the returned information.
2. The multi-channel smart card binding method according to claim 1, wherein in step (3), the presence account includes a presence system account and a presence bank account.
3. The multi-channel smart card binding method according to claim 1, wherein in the step (4), the channel routing function comprises: different channels can be realized by entering different processors according to different services of different channels.
4. The multi-channel intelligent binding method according to claim 1, wherein in step (4) or step (5), the specific method for accessing the channel route acquisition channel comprises the following steps: inquiring all effective channels accessed to the quick payment, and if only one effective channel exists, returning to the channel; if a plurality of effective channels exist, returning to the channel with the highest priority according to the set channel priority, and if the highest priority is the same, randomly returning to the channel.
5. The multi-channel intelligent card binding method according to claim 1, wherein in the step (7), the short message verification code corresponds to a channel one to one.
6. The multi-channel smart card binding method according to claim 1, wherein in the step (8), the channel interface processes the data independently without affecting each other.
7. The multi-channel intelligent card binding method according to claim 1, wherein in the step (10), after the card binding information is changed to the database, if the card binding is successful, the payment page is returned to display the valid bank card information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011008006.5A CN112163853A (en) | 2020-09-23 | 2020-09-23 | Multi-channel intelligent card binding method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011008006.5A CN112163853A (en) | 2020-09-23 | 2020-09-23 | Multi-channel intelligent card binding method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN112163853A true CN112163853A (en) | 2021-01-01 |
Family
ID=73862806
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202011008006.5A Pending CN112163853A (en) | 2020-09-23 | 2020-09-23 | Multi-channel intelligent card binding method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN112163853A (en) |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110084578A (en) * | 2019-03-27 | 2019-08-02 | 北京三快在线科技有限公司 | Method, apparatus and storage medium based on Third-party payment platform payment |
| CN110264169A (en) * | 2019-06-20 | 2019-09-20 | 中移电子商务有限公司 | A kind of payment method for routing, device, equipment and readable storage medium storing program for executing |
-
2020
- 2020-09-23 CN CN202011008006.5A patent/CN112163853A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110084578A (en) * | 2019-03-27 | 2019-08-02 | 北京三快在线科技有限公司 | Method, apparatus and storage medium based on Third-party payment platform payment |
| CN110264169A (en) * | 2019-06-20 | 2019-09-20 | 中移电子商务有限公司 | A kind of payment method for routing, device, equipment and readable storage medium storing program for executing |
Non-Patent Citations (2)
| Title |
|---|
| 丁震: "基金销售平台银行联网业务子系统的设计与实现", 《中国优秀博硕士学位论文全文数据库(硕士)信息科技辑》 * |
| 佘云峰: "网联上线的"一键绑卡"原来是这么回事！", 《HTTPS://WWW.MPAYPASS.COM.CN/NEWS/201906/10193826.HTML》 * |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US8612345B2 (en) | Routing for direct to account payments | |
| FI105243B (en) | Method and system for payment management | |
| RU2323477C2 (en) | System and method for purchasing goods and services through access stations for accessing data transmission network using a network of trading terminals | |
| CN108960941B (en) | Electronic payment billing method | |
| US9852407B2 (en) | Systems and methods for routing debit transactions | |
| CN107748985A (en) | Network method of payment and network payment server | |
| CN107563747A (en) | For being combined the method and device of payment | |
| JP2009503690A (en) | Method and system for extending a payment system via text messaging | |
| JP2010507143A (en) | Method and system for transferring value between mobile phone users | |
| CN1301107A (en) | Transaction system and method | |
| CN108520461A (en) | Credit card repayment method and system based on fund share redemption and transfer payment | |
| CN111684481A (en) | Aggregated payment method and related equipment | |
| CN113554509B (en) | Processing method, device, medium and electronic equipment for online payment service | |
| CN106127658A (en) | Government resources configuration system and method | |
| CN102255867A (en) | Service request processing method, device and system | |
| CN107038573A (en) | A kind of polymerization payment system based on Internet of Things and cloud computing | |
| CN113205199A (en) | Mobile phone bank foreign currency and cash reservation method and device | |
| CN112184248A (en) | Card organization payment refusal bill data processing method and device | |
| US20180181954A1 (en) | Configuring a transaction device | |
| CN111639927A (en) | Method and system for collecting money of network cashier desk | |
| EP2693783A1 (en) | SIM activation utilizing an activation gateway | |
| CN1731807B (en) | Method for carrying out voice payment via wireless terminal | |
| CN106559226A (en) | Recharge method, apparatus and system | |
| CN108346095A (en) | Management-control method, device, equipment and the computer readable storage medium of association system | |
| CN112163853A (en) | Multi-channel intelligent card binding method |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20210101 |
|
| RJ01 | Rejection of invention patent application after publication |