CN113554827B - Customer information service method and device based on near field communication - Google Patents
Customer information service method and device based on near field communication Download PDFInfo
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- CN113554827B CN113554827B CN202110828908.1A CN202110828908A CN113554827B CN 113554827 B CN113554827 B CN 113554827B CN 202110828908 A CN202110828908 A CN 202110828908A CN 113554827 B CN113554827 B CN 113554827B
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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
- 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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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
- H04L63/0853—Network architectures or network communication protocols for network security for authentication of entities using an additional device, e.g. smartcard, SIM or a different communication terminal
Abstract
The invention discloses a customer information service method and a device based on near field communication, relating to the technical field of near field communication technology application and finance, wherein the method comprises the following steps: identifying the identity information of the client; reading storage information in NFC equipment provided by a bank; and verifying the identity information of the client, and providing information service for the client based on the stored information after the verification is passed. The invention can increase the customer information service based on near field communication NFC on the basis of the existing offline banking service of the store and the online banking service of the Internet, improve the interaction efficiency between the bank and the customer, help the bank to obtain more effective data of the customer and improve the overall service level of the bank.
Description
Technical Field
The invention relates to the technical field of near field communication technology application and finance, in particular to a customer information service method and device based on near field communication.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
In a financial scenario, after a bank is transformed from traditional store service to internet online service, because an internet platform service client side is narrow, more effective client behavior information cannot be acquired, and further information service (such as providing various types of financial marketing products) cannot be provided for a client well, so that the interaction frequency and the interaction efficiency of the bank and the client are low.
Disclosure of Invention
The embodiment of the invention provides a customer information service method based on near field communication, which comprises the following steps:
identifying the identity information of the client;
reading storage information in NFC equipment provided by a bank;
verifying the identity information of the client, and providing information service for the client based on the stored information after the identity information of the client passes the verification; wherein the information service includes marketing information of various types of financial services and products;
further comprising:
recording the information service;
recording information services, comprising:
generating a public and private key based on each information service, and writing the private key into the NFC equipment;
and matching the public and private keys with the client codes, and recording the matching relation in the block chain.
An embodiment of the present invention further provides a near field communication-based client information service apparatus, including:
the identity recognition module is used for recognizing the identity information of the client;
the NFC reading module is used for reading storage information in NFC equipment provided by a bank;
the information service providing module is used for verifying the identity information of the client and providing information service for the client based on the stored information after the verification is passed; the information service comprises marketing information of various types of financial services and products;
further comprising:
the information service filing module is used for filing the information service;
the information service filing module is specifically used for:
generating a public and private key based on each information service, and writing the private key into the NFC equipment;
and matching the public and private keys with the client codes, and recording the matching relation in the block chain.
The embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, the client information service method based on near field communication is implemented.
An embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the steps of the near field communication-based customer information service method described above.
In the embodiment of the invention, compared with the technical scheme that the interaction frequency and the interaction efficiency of a bank and a customer are lower in the prior art, the method identifies the identity information of the customer; reading storage information in NFC equipment provided by a bank; the invention can provide an information service method interacting with the customer, improve the interaction frequency and the interaction efficiency with the customer, obtain more effective customer data, guide the product design and the customer information service scheme through the data, and achieve the aim of financial service level.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts. In the drawings:
fig. 1 is a first flowchart of a customer information service method based on near field communication according to an embodiment of the present invention;
FIG. 2 is a flowchart of a customer information service method based on near field communication according to an embodiment of the present invention;
FIG. 3 is a flowchart illustrating NFC-based financial service provisioning and product release according to an embodiment of the present invention;
fig. 4 is a flow chart of a customer information service method based on near field communication according to an embodiment of the present invention;
FIG. 5 is a flowchart of a customer information service method based on near field communication according to a fourth embodiment of the present invention;
FIG. 6 is a flowchart illustrating an embodiment of an NFC-based activity participation registration process;
FIG. 7 is a block diagram of a first embodiment of a NFC-based customer information services device;
fig. 8 is a block diagram of a second structure of a customer information service device based on nfc according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
Fig. 1 is a first flowchart of a customer information service method based on near field communication according to an embodiment of the present invention (applied to an information service system, that is, a customer information service device based on near field communication), as shown in fig. 1, the method includes:
step 101: identifying the identity information of the client;
step 102: reading storage information in NFC equipment provided by a bank;
step 103: and verifying the identity information of the client, and providing information service for the client based on the stored information after the verification is passed.
Specifically, near Field Communication (NFC) is developed by combining a wireless interconnection technology on the basis of a non-contact Radio Frequency Identification (RFID) technology. Devices using NFC technology can exchange data in close proximity to each other. In the market, various products integrate the functions of an induction type card reader, an induction type card and point-to-point communication on a single chip, and utilize mobile terminals (mobile phones, watches and the like) to realize applications such as mobile payment, electronic ticketing, entrance guard, mobile identity recognition, anti-counterfeiting and the like. Among the near field communication technologies, NFC has the advantages of security and low cost.
The information service may be marketing information for various types of financial services and products, including information for such financial services and products, such as electronic coupons, digital currency, electronic redpacks, customer points, various types of funds, financial products, insurance and its related services, all types of loan services (including consumer credits, mortgage credits, agents and financing for commercial transactions), all payment and money transfer services (including credit cards, travelers checks and bank drafts), asset management services (such as cash or security management, various forms of corporate investment management, pension fund management, custody, deposit and trust services), settlement and settlement services for financial assets (including securities, derivative products and other negotiable instruments), and so forth.
In the embodiment of the present invention, as shown in fig. 2, the step 101 of identifying the client identity information includes: identifying the identity information of the client through bank software in the client equipment;
Specifically, the invention provides a financial service providing and product issuing based on NFC, which comprises the following main processes: the bank provides software (such as a mobile phone bank), purchases and manufactures an NFC label or an NFC card (NFC equipment); a client installs software and registers to obtain and read an NFC label or an NFC card; the bank identifies the identity information of the customer through software, calls an NFC module in equipment (such as a mobile phone, a watch or a bracelet) of the customer, and reads the NFC label or NFC card information provided by the bank by using the NFC module; and after the read information passes the bank verification, providing corresponding financial service and product release for the client in the software. The flow chart is shown in figure 3.
In the embodiment of the invention, the information service system is required to record services and product distribution (such as providing various types of financial marketing products) outside the main flow. As shown in fig. 4, the method further includes:
step 401: and recording the information service.
Specifically, the recording of the information service includes:
and generating a number based on the information service, setting the use limit requirement of the number, and writing the number into the NFC equipment as the storage information in the NFC equipment.
Specifically, the recording of the information service includes:
and generating a number based on the information service, mapping the number to a total number N of code sets, distributing the N codes to N client codes, setting the use limit requirement of the number, and writing the number and the codes into the NFC equipment as the storage information in the NFC equipment.
Specifically, step 103 provides an information service for the client based on the stored information, including:
and acquiring the client codes in the code set based on the numbers and the codes, and based on the use limit requirements of the numbers, if the client codes corresponding to the client identity information are matched with the client codes in the code set, the matching is successful, and providing information service for the clients based on the stored information.
Specifically, step 103 provides an information service for the client based on the stored information, including:
if the matching is successful for one time, matching the client code corresponding to the client identity information with the client code in the code set again, and then failing.
Specifically, since there are many types and large types of information services, the number is an activity number, and the meaning of the code is to ensure correspondence when the activity development object is specific. For example, class A activities are not limited and may be without coding, such as A001. The number of activity B is B001, but 10 specific participating objects are defined, so there are 10 codes, the complete number + code is B001-01, B001-02 and so on.
Specifically, the service and product filing scheme is as follows:
services and products for provisioning information services are classified into 4 types:
a type: can be repeatedly used without limiting the users; the information service system generates an A-type number, the A-type number does not limit the use times, and the A-type number can be directly used for information service and written into the NFC equipment.
B type: can be repeatedly used, and limits the users; the information service system generates a B-type number, the B-type number is mapped to a total N code set, N codes are distributed to N client numbers, and the B-type number and the codes are written into the NFC equipment. If the client number is not matched with the information service system, the matching of the B-type number is unsuccessful.
Class C: the utility model can not be used repeatedly, and the user is not limited; the information service system generates a C-type number, and the restricted use frequency of the C-type number is 1,C type number which can be directly used for information service and written into the NFC equipment.
And D type: can not be repeatedly used, and limits the users; the information service system generates a D-type number, the D-type number is mapped to a code set with the total number of N, N codes are distributed to N client numbers, the number of use times of each mapped number is limited to 1, and the D-type number and the codes are written into the NFC equipment. If the serial number, the code and the client serial number (the client serial number corresponding to the client identity information is identified in step 101) are uploaded to the information service system, and the serial number registered by the information service system is checked to be inconsistent with the allocation relation of the client serial number, the matching of the D-type serial number is unsuccessful. After matching is successful once, subsequent matching is unsuccessful.
After the recording is finished, the information service cost such as the service cost and the product cost is matched with various numbers and the number of codes, when the various numbers are read by NFC equipment, a mobile phone bank uploads the numbers, the codes and the client numbers to an information service system together, the system records and controls the information service process, for example, for the numbers which can not be repeatedly used in the types C and D, the system rule can be set that only one code record can exist in a single client number, and the service and the product are provided for the client according to the numbers and the codes.
After the record, whether the client identity matching is carried out or not can be controlled when the client reads the information through NFC, if a matching link is added, directional issuing of the financial product can be completed for the read information, and if not, non-directional issuing is carried out. It is also possible to add that control is only effected once for the same identity reading information. Whether the information contained in the NFC can be reused or not can be controlled, if the information can be reused, the NFC equipment can be read by multiple people for multiple times, and if the information can not be reused, the NFC equipment can be read by a single person only once.
In the embodiment of the present invention, if the block chain technique is applied, the above information service product filing process can be simplified and opened:
the method comprises the steps that N public and private key pairs are generated as products or rights and interests according to requirements, a public key set can be configured to be registered with only one client number or not, private key information is written into an NFC chip card, NFC reading equipment is used for reading content, a mobile phone bank sends a private key and the client number to a public key in an information service system for verification, the public and private keys are successfully paired, the rights and interests or the products are registered in a block chain and are attributed to the client numbers which are sent together with the private key, and if the public key supports registration of a plurality of client numbers, the same private key information can be used by other clients and can obtain or share the rights and interests. Parties outside the bank may also generate and issue benefits to the customer in this manner.
Specifically, the recording of the information service includes:
generating a public and private key based on each information service, and writing the private key into the NFC equipment;
and matching the public and private keys with the client codes, and recording the matching relation in the block chain.
Case one: and issuing entity blessing bags to the customers, reading the blessing bags by the customers through the NFC function, and obtaining gifts such as electronic coupons, digital currency, electronic red packages and the like. The process is as follows:
(1) A bank purchases an NFC label, generates a gift code, writes the gift code into the NFC label and makes a fortune bag;
(2) Randomly issuing a blessing bag to the client;
(3) After receiving the blessing bag, the customer reads the blessing bag by using a mobile phone bank according to the guide;
(4) The bank verifies the identity information of the customer, displays the contents of the fortune bag and stores the gift in the customer account.
In the embodiment of the invention, the NFC equipment is a virtual NFC card;
as shown in fig. 5, the method further includes: step 501: generating a virtual NFC card by calling an NFC module in the client equipment;
step 102 of reading storage information in the NFC device provided by the bank includes: reading storage information in the virtual NFC card through NFC reading equipment provided by a bank;
step 502: verifying the stored information in the virtual NFC card, and recording the card punching behavior of a client after the verification is successful;
step 503: and counting the card punching behaviors of the clients, and providing information service for the clients according to the counting results.
Specifically, the invention also provides an activity participation registration based on NFC, and the main flow thereof is as follows: the bank provides software (such as a mobile phone bank) and purchases and installs the NFC reading device; the client installs the software and registers; a bank identifies identity information of a customer through software, and calls an NFC module in equipment (such as a mobile phone, a watch or a bracelet) of the customer to generate an NFC virtual card for the customer; after the NFC reading equipment reads the virtual card information (called as 'card punching' for short), the bank verifies the card punching behavior, and after the verification result is successful, the card punching behavior of a customer is recorded; the bank carries out various activities by counting the card punching conditions. The flow chart is shown in figure 6.
Case two: the running card-punching points are set by virtue of the entity network points, and the clients participate in the running card-punching activities to win points. The process is as follows:
(1) A bank selects a bank outlet to make a running route, a card reader is installed at the outlet, and a running card punching activity scheme is issued;
(2) The client registers to participate in the activity and punches the card on each website card reader;
(3) The bank issues point rewards for the customers meeting the activity conditions according to the customer card punching conditions.
The embodiment of the invention also provides a customer information service device based on near field communication, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the customer information service method based on the near field communication, the implementation of the device can refer to the implementation of the customer information service method based on the near field communication, and repeated parts are not described again.
Fig. 7 is a first block diagram illustrating a structure of a customer information service device based on near field communication according to an embodiment of the present invention, and as shown in fig. 7, the customer information service device based on near field communication includes:
the identity recognition module 02 is used for recognizing the identity information of the client;
the NFC reading module 04 is used for reading storage information in NFC equipment provided by a bank;
and the information service providing module 06 is used for verifying the identity information of the client, and after the verification is passed, providing information service for the client based on the stored information.
In the embodiment of the present invention, as shown in fig. 8, the near field communication-based customer information service apparatus further includes:
and an information service filing module 08, configured to file an information service.
In the embodiment of the present invention, the information service filing module 08 is specifically configured to:
and generating a number based on the information service, setting a use limitation requirement of the number, and writing the number into the NFC equipment as the storage information in the NFC equipment.
In the embodiment of the present invention, the information service filing module 08 is specifically configured to:
and generating a number based on the information service, mapping the number to a total number N of code sets, distributing the N codes to N client codes, setting the use limit requirement of the number, and writing the number and the codes into the NFC equipment as the storage information in the NFC equipment.
In the embodiment of the present invention, the information service providing module 06 is specifically configured to:
and acquiring the client codes in the code set based on the numbers and the codes, and based on the use limit requirements of the numbers, if the client codes corresponding to the client identity information are matched with the client codes in the code set, the matching is successful, and providing information service for the clients based on the stored information.
In this embodiment of the present invention, the information service providing module 06 is specifically configured to:
if the matching is successful for one time, matching the client code corresponding to the client identity information with the client code in the code set again, and then failing.
In the embodiment of the present invention, the information service filing module 08 is specifically configured to:
generating a public and private key based on each information service, and writing the private key into the NFC equipment;
and matching the public and private keys with the client codes, and recording the matching relationship in a block chain.
In the embodiment of the present invention, the identity module 02 is specifically configured to: identifying the identity information of the client through bank software in the client equipment;
the NFC reading module 04 is specifically configured to: and reading the stored information in the NFC equipment provided by the bank by calling the NFC module in the client equipment.
In the embodiment of the invention, the NFC equipment is a virtual NFC card;
further comprising: generating a virtual NFC card by calling an NFC module in the client equipment;
the NFC reading module 04 is specifically configured to: reading storage information in the virtual NFC card through NFC reading equipment provided by a bank;
the information service providing module 06 is specifically configured to:
verifying the storage information in the virtual NFC card, and recording the card punching behavior of a client after the verification is successful;
and counting the card punching behaviors of the clients, and providing information services for the clients according to the counting results.
The embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, the client information service method based on near field communication is implemented.
An embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the steps of the near field communication-based customer information service method described above.
In the embodiment of the invention, compared with the technical scheme that the interaction frequency and the interaction efficiency of a bank and a client are lower in the prior art, the method identifies the identity information of the client; reading storage information in NFC equipment provided by a bank; the identity information of the customer is verified, after the identity information is verified, information service is provided for the customer based on the stored information, an information service method interacting with the customer can be provided, the interaction frequency and the interaction efficiency with the customer are improved through the method, more effective customer data are obtained, a product design and customer information service scheme is guided through the data, and the purpose of financial service level is achieved.
By implementing the technical scheme of the product, a bank can add an online-offline combined mode of interacting with customers on the basis of the existing store online service and the existing Internet online service. The NFC device can be made into various styles in sense, and the physical information service is easier to interact with customers than the electronic information service, for example, in the case of financial products issued through NFC. Technically, compared with a two-dimensional code, the requirement of the NFC equipment is higher, so that the NFC equipment is more reliable in safety. The use of the NFC technology for activity development can improve the reality and validity of activity data according to the location where the NFC device is placed, the frequency of access, the access conditions, etc., for example in the case of NFC card punching activities.
In summary, the bank can combine with own software by means of NFC, provides a novel and reliable interaction mode for the customer, improves the interaction efficiency between the bank and the customer, helps the bank to obtain effective data of more customers, and improves the overall service level of the bank.
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 has been 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.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (10)
1. A customer information service method based on near field communication, comprising:
identifying the identity information of the client;
reading storage information in NFC equipment provided by a bank;
verifying the identity information of the client, and providing information service for the client based on the stored information after the identity information of the client passes the verification; the information service comprises marketing information of various types of financial services and products;
further comprising:
recording the information service;
recording information services, comprising:
generating a public and private key based on each information service, and writing the private key into the NFC equipment;
and matching the public and private keys with the client codes, and recording the matching relation in the block chain.
2. The near field communication-based customer information service method of claim 1, wherein filing the information service comprises:
and generating a number based on the information service, setting the use limit requirement of the number, and writing the number into the NFC equipment as the storage information in the NFC equipment.
3. The near field communication-based customer information service method of claim 1, wherein filing the information service comprises:
and generating a number based on the information service, mapping the number to a total number N of code sets, distributing the N codes to N client codes, setting the use limit requirement of the number, and writing the number and the codes into the NFC equipment as the storage information in the NFC equipment.
4. The near field communication-based customer information service method of claim 3, wherein providing an information service for a customer based on the stored information comprises:
and acquiring the client code in the code set based on the number and the code, and based on the use limit requirement of the number, if the client code corresponding to the client identity information is matched with the client code in the code set, the matching is successful, and providing information service for the client based on the stored information.
5. The near field communication-based customer information service method of claim 4, wherein providing information services for customers based on the stored information comprises:
if the matching is successful for one time, matching the client code corresponding to the client identity information with the client code in the code set again, and then failing.
6. The near field communication-based customer information service method of claim 1, wherein recognizing the customer identity information comprises: identifying the identity information of the client through bank software in the client equipment;
reading storage information in NFC equipment provided by a bank, comprising: and reading the stored information in the NFC equipment provided by the bank by calling the NFC module in the client equipment.
7. The customer information service method based on near field communication of claim 1, wherein the NFC device is a virtual NFC card;
further comprising: generating a virtual NFC card by calling an NFC module in the client equipment;
reading storage information in NFC equipment provided by a bank, comprising: reading storage information in the virtual NFC card through NFC reading equipment provided by a bank;
providing information services to customers based on the stored information, comprising:
verifying the storage information in the virtual NFC card, and recording the card punching behavior of a client after the verification is successful;
and counting the card punching behaviors of the clients, and providing information services for the clients according to the counting results.
8. A customer information service apparatus based on near field communication, comprising:
the identity recognition module is used for recognizing the identity information of the client;
the NFC reading module is used for reading storage information in NFC equipment provided by a bank;
the information service providing module is used for verifying the identity information of the client and providing information service for the client based on the stored information after the verification is passed; the information service comprises marketing information of various types of financial services and products;
further comprising:
the information service filing module is used for filing the information service;
the information service filing module is specifically used for:
generating a public and private key based on each information service, and writing the private key into the NFC equipment;
and matching the public and private keys with the client codes, and recording the matching relation in the block chain.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the near field communication based customer information service method of any one of claims 1 to 7 when executing the computer program.
10. A computer-readable storage medium on which a computer program is stored, which program, when being executed by a processor, is adapted to carry out the steps of the near field communication based customer information service method of any one of claims 1 to 7.
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