CN113988844A

CN113988844A - Service subscription method, device and system

Info

Publication number: CN113988844A
Application number: CN202111322302.7A
Authority: CN
Inventors: 俞鲲
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2021-11-09
Filing date: 2021-11-09
Publication date: 2022-01-28

Abstract

The application discloses a service signing method, a service signing device and a service signing system, which relate to the field of computers and can simply and efficiently complete service signing. The method comprises the following steps: receiving a signing application sent by a user through a client; responding to the signing application, and determining the identification information of the target card issuing bank; sending the identification information of the target card issuing bank to a server side of a clearing institution; receiving an address corresponding to a signing interface of a target card issuing bank from a server of a clearing institution, and sending the address corresponding to the signing interface of the target card issuing bank to a client, so that the client jumps to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank, and after sending signing information input by a user at the signing interface to the server of the target card issuing bank, the server of the target card issuing bank sends a signing result to the server of the clearing institution; and receiving a signing result from a server side of the clearing institution.

Description

Service subscription method, device and system

Technical Field

The present application relates to the field of computers, and in particular, to a service subscription method, apparatus, and system.

Background

About 2013, a payment mode combining a payment mechanism and various large banks appears: the user can sign a contract with a bank on the payment mechanism platform to bind a bank card, and then the user can directly finish payment through verifying identity information (for example, receiving a check code through a mobile phone reserved by the bank) without logging in an online bank in the payment process of the payment mechanism, so that the payment method is a convenient, rapid and safe payment method.

At present, in a signing process (or a card binding process) of quick payment, a user is required to input a card number of a bank card and identity information of a card holder, which are bound by the user, on a platform interface of a payment mechanism. Due to the fact that the bank card is not located by the user, the user forgets the bank card number and the like, the user cannot input the bank card number, the user has to give up signing, and the success rate of signing the service of quick payment is low. Therefore, how to provide a service subscription method to simply and efficiently complete quick payment subscription is a problem to be solved urgently at present.

Disclosure of Invention

The embodiment of the application provides a service signing method, a device and a system, which are used for simply and efficiently completing service signing.

In order to achieve the above purpose, the embodiment of the present application adopts the following technical solutions:

in a first aspect, a service signing method is provided, where the service signing method is applied to a server of a payment mechanism, and the method includes: receiving a signing application sent by a user through a client; the signing application is used for applying for a signing target card issuing bank; responding to the signing application, and determining the identification information of the target card issuing bank; sending identification information of a target card issuing bank to a server of a clearing institution, wherein the identification information of the target card issuing bank is used for determining an address corresponding to a signing interface of the target card issuing bank; receiving an address corresponding to a signing interface of a target card issuing bank from a server of a clearing institution, and sending the address corresponding to the signing interface of the target card issuing bank to a client, so that the client jumps to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank, and after sending signing information input by a user at the signing interface to the server of the target card issuing bank, the server of the target card issuing bank sends a signing result to the server of the clearing institution; and receiving a signing result from a server side of the clearing institution.

The scheme can realize that the user can sign a contract for business on the client of the payment mechanism without inputting the card number of the bank card through the cooperation among the payment mechanism, the clearing mechanism and the target issuing bank mechanisms, thereby realizing one-key card binding, being capable of signing more freely and flexibly, improving the signing success rate of the business and bringing more fund benefits for the bank and the payment mechanism. In addition, the user inputs information through the signing interface of the target card issuing bank, and the payment mechanism cannot directly acquire the signing information in the signing process, so that the information safety is guaranteed. In addition, the signing process is supervised by a clearing institution, so that the signing process and subsequent payment completed according to the signing service can be ensured to be clear and transparent.

With reference to the first aspect, in a possible implementation manner, the method further includes: acquiring identity information of a user, wherein the identity information is used for a target card issuing bank to carry out identity verification on the user; and the server of the target card issuing bank informs the client of skipping to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank under the condition that the server of the target card issuing bank confirms that the user is a customer of the target card issuing bank according to the identity information of the user.

According to the scheme, the identity information can be sent to the server of the target card issuing bank for identity verification by the server of the payment mechanism through the server of the clearing mechanism, and the user can sign a contract under the condition that the user is confirmed to be a bank client, so that the information safety in the signing process is ensured.

With reference to the first aspect, in a possible implementation manner, the signing interface of the target card issuing bank includes a bank card surface information query page; when the server of the target card issuing bank confirms that the user is a customer of the target card issuing bank according to the identity information of the user, the server informs the client of skipping to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank, and the method comprises the following steps: and under the condition that the server of the target card issuing bank confirms that the user is a client of the target card issuing bank according to the identity information of the user, the server informs the client to jump to a bank card surface information inquiry page according to the address corresponding to the signing interface of the target card issuing bank, and the user selects the target bank card from the bank cards displayed on the bank card surface information inquiry page for signing.

With reference to the first aspect, in a possible implementation manner, the signing interface of the target card issuing bank includes an identity verification page; when the server of the target card issuing bank confirms that the user is a customer of the target card issuing bank according to the identity information of the user, the server informs the client of skipping to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank, and the method comprises the following steps: the method comprises the steps that a server side of a target card issuing bank informs a client side to jump to an identity verification page according to an address corresponding to a signing interface of the target card issuing bank under the condition that a user is confirmed to be a client of the target card issuing bank according to identity information of the user, so that the client side can verify whether a verification code is correct or not for the server side of the target card issuing bank after obtaining the verification code input by the user on the identity verification page, the client side is informed to jump to a bank card face information inquiry page under the condition that the verification code is correct for the server side of the target card issuing bank, and the user selects the target bank card from the bank cards displayed on the bank card face information inquiry page to sign.

According to the scheme, the identity of the user can be further verified through the verification code after the user is confirmed to be a bank client, and the information safety is better guaranteed.

In a second aspect, a service subscription method is provided, where the method is applied to a server of a clearinghouse, and the method includes: receiving identification information of a target card issuing bank from a service end of a payment mechanism; determining an address corresponding to a signing interface of a target card issuing bank according to the identification information of the target card issuing bank; sending an address corresponding to a signing interface of a target card issuing bank to a client through a server of a payment mechanism, so that the client jumps to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank, and sending signing information input by a user at the signing interface to the server of the target card issuing bank; and receiving the signing result from the server of the target card issuing bank, and sending the signing result to the server of the payment mechanism.

With reference to the second aspect, in a possible implementation manner, the method further includes: receiving identity information of a user from a service end of a payment mechanism; and the server of the target card issuing bank informs the client to jump to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank under the condition that the server of the target card issuing bank confirms that the user is a client of the target card issuing bank according to the identity information of the user.

In a third aspect, a service subscription apparatus is provided, where the apparatus includes: the device comprises a processing module and a transmitting-receiving module; the receiving and sending module is used for receiving a signing application sent by a user through a client; the signing application is used for applying for a signing target card issuing bank; the processing module is used for responding to the signing application and determining the identification information of the target card issuing bank; the receiving and sending module is also used for sending the identification information of the target card issuing bank to a server side of the clearing institution, and the identification information of the target card issuing bank is used for determining the address corresponding to the signing interface of the target card issuing bank; the receiving and sending module is further used for receiving an address corresponding to a signing interface of a target card issuing bank from a server of the clearing institution and sending the address corresponding to the signing interface of the target card issuing bank to the client, so that the client jumps to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank and sends signing information input by a user on the signing interface to the server of the target card issuing bank, and the server of the target card issuing bank sends a signing result to the server of the clearing institution; and the transceiver module is also used for receiving the signing result from the server side of the clearing institution.

With reference to the third aspect, in a possible implementation manner, the processing module is further configured to obtain identity information of the user, where the identity information is used for the target card issuing bank to perform identity authentication on the user; and the receiving and sending module is also used for sending the identity information of the user to a service terminal of the target card issuing bank through the service terminal of the clearing institution, and informing the client to jump to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank by the service terminal of the target card issuing bank under the condition that the service terminal of the target card issuing bank confirms that the user is a customer of the target card issuing bank according to the identity information of the user.

With reference to the third aspect, in a possible implementation manner, the signing interface of the target card issuing bank includes a bank card surface information query page; and the receiving and sending module is specifically used for sending the identity information of the user to a service end of the target card issuing bank through the service end of the clearing institution, informing the client of skipping to a bank card face information inquiry page according to an address corresponding to a signing interface of the target card issuing bank under the condition that the service end of the target card issuing bank confirms that the user is a client of the target card issuing bank according to the identity information of the user, and selecting the target bank card from the bank cards displayed on the bank card face information inquiry page by the user for signing.

With reference to the third aspect, in a possible implementation manner, the signing interface of the target card issuing bank includes an identity verification page; the receiving and sending module is specifically used for sending the identity information of the user to a server of a target card issuing bank through the server of the clearing institution, the server of the target card issuing bank informs the client of skipping to an identity verification page according to an address corresponding to a signing interface of the target card issuing bank under the condition that the server of the target card issuing bank confirms that the user is a client of the target card issuing bank according to the identity information of the user, so that the client can verify whether the verification code is correct or not to the server of the target card issuing bank after acquiring the verification code input by the user on the identity verification page, and under the condition that the verification code is correct, the client is informed of skipping to a bank card plane information inquiry page, and the user selects the target bank card to sign in the bank cards displayed on the bank card plane information inquiry page.

In a fourth aspect, a service subscription apparatus is provided, where the apparatus includes: a transceiver module and a processing module; the receiving and sending module is used for receiving the identification information of a target card issuing bank from a service end of the payment mechanism; the processing module is used for determining an address corresponding to a signing interface of the target card issuing bank according to the identification information of the target card issuing bank; the receiving and sending module is further used for sending an address corresponding to the signing interface of the target card issuing bank to the client through the server of the payment mechanism, so that the client jumps to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank, and sends signing information input by a user on the signing interface to the server of the target card issuing bank; and the receiving and sending module is also used for receiving the signing result from the server of the target card issuing bank and sending the signing result to the server of the payment mechanism.

With reference to the fourth aspect, in a possible implementation manner, the transceiver module is further configured to receive identity information of a user from a service end of the payment mechanism; and the receiving and sending module is also used for sending the identity information of the user to a server of the target card issuing bank, and informing the client of skipping to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank when the server of the target card issuing bank confirms that the user is a customer of the target card issuing bank according to the identity information of the user.

In a fifth aspect, a service subscription system is provided, where the system includes: the system comprises a client, a server of a payment mechanism, a server of a clearing mechanism and a server of a target card issuing bank; the client is used for responding to the operation of the user, generating a signing application and sending the signing application to the server of the payment mechanism, wherein the signing application is used for applying for signing a target issuing bank; the payment mechanism server is used for responding to the signing application after receiving the signing application, determining the identification information of the target card issuing bank and sending the identification information of the target card issuing bank to the clearing mechanism server; the service end of the clearing institution is used for sending the address corresponding to the signing interface of the target card issuing bank to the service end of the payment institution after determining the address corresponding to the signing interface of the target card issuing bank according to the identification information of the target card issuing bank; the server side of the payment mechanism is also used for sending an address corresponding to a signing interface of the target card issuing bank to the client side; the client is also used for jumping to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank, acquiring the signing information input by the user on the signing interface of the target card issuing bank and sending the signing information to the server of the target card issuing bank; the server of the target card issuing bank is used for acquiring a signing result according to the signing information and sending the signing result to the server of the clearing institution; the server side of the clearing institution is also used for sending the signing result to the server side of the payment institution; and the server side of the payment mechanism is also used for receiving the signing result from the server side of the clearing mechanism.

In a sixth aspect, a service subscription apparatus is provided, which includes a memory and a processor; the memory is configured to store a computer program, and the processor is configured to execute the computer program to perform the service subscription method according to the first aspect and any possible implementation manner thereof.

In a seventh aspect, a service subscription apparatus is provided, where the service subscription apparatus includes a memory and a processor; the memory is configured to store a computer program, and the processor is configured to execute the computer program to perform the service subscription method according to the second aspect and any possible implementation manner thereof.

In an eighth aspect, a computer-readable storage medium is provided, which stores a computer program, and when the computer program is executed by a computer, the computer is enabled to execute the service subscription method according to the first aspect or the second aspect and any possible implementation manner thereof.

A ninth aspect provides a computer program product, which when run on a computer, causes the computer to execute the service subscription method as described in the first or second aspect and any possible implementation manner thereof.

For technical effects brought by any one of the design manners in the third aspect to the ninth aspect, reference may be made to technical effects brought by different design manners in the first aspect or the second aspect, and details are not described here.

Drawings

Fig. 1 is a schematic structural diagram of a service subscription system according to an embodiment of the present application;

fig. 2 is a schematic structural diagram of a service subscription apparatus according to an embodiment of the present application;

fig. 3 is an interaction diagram of a service subscription method according to an embodiment of the present application;

fig. 4 is an interaction diagram of another service subscription method provided in the embodiment of the present application;

fig. 5 is a schematic structural diagram of another service subscription apparatus provided in the embodiment of the present application.

Detailed Description

To facilitate understanding of the technical solutions of the embodiments of the present application, a brief description of related technologies or terms of the present application is first given as follows.

1. The payment mechanism:

the payment mechanism is a mechanism for franchising and expanding bank card merchants through a supervision department, is mainly responsible for two major services of bank card network merchant expansion and merchant fund settlement, and has the main function of accurately entering accounts for the merchants on time.

2. A clearing mechanism:

a clearing house is a house responsible for managing and executing clearing. In particular, in bank card cross-bank transactions, a clearing institution is responsible for calculating the money to and from a plurality of banks or financial transaction institutions (non-financial payment institutions) which are authorized to engage in and assist in the completion of money transfer.

3. A client:

the client in the embodiment of the application may also be referred to as a foreground client, and belongs to website front-end equipment, for example, electronic equipment such as a computer or a mobile phone that can present a browsing interface to a user. Specifically, the client may generate and send a request to the server for processing in response to an operation of the user on the interface.

4. The server side:

the server in the embodiment of the present application may also be referred to as a server or a backend server, and belongs to website backend equipment. Specifically, the server may process a request sent by the client and feed back a relevant result to the client, so as to control content presented by the client. In the process of processing the request sent by the client, the server can interact with the data storage device to realize corresponding business logic.

The technical solutions in the embodiments of the present application will be described below with reference to the drawings in the embodiments of the present application. Where in the description of the present application, "/" indicates a relationship where the objects associated before and after are an "or", unless otherwise stated, for example, a/B may indicate a or B; in the present application, "and/or" is only an association relationship describing an associated object, and means that there may be three relationships, for example, a and/or B, and may mean: a exists alone, A and B exist simultaneously, and B exists alone, wherein A and B can be singular or plural. Also, in the description of the present application, "a plurality" means two or more than two unless otherwise specified. "at least one of the following" or similar expressions refer to any combination of these items, including any combination of the singular or plural items. For example, at least one (one) of a, b, or c, may represent: a, b, c, a-b, a-c, b-c, or a-b-c, wherein a, b, c may be single or multiple. In addition, in order to facilitate clear description of technical solutions of the embodiments of the present application, in the embodiments of the present application, terms such as "first" and "second" are used to distinguish the same items or similar items having substantially the same functions and actions. Those skilled in the art will appreciate that the terms "first," "second," etc. do not denote any order or quantity, nor do the terms "first," "second," etc. denote any order or importance. Also, in the embodiments of the present application, words such as "exemplary" or "for example" are used to mean serving as examples, illustrations or illustrations. Any embodiment or design described herein as "exemplary" or "e.g.," is not necessarily to be construed as preferred or advantageous over other embodiments or designs. Rather, use of the word "exemplary" or "such as" is intended to present relevant concepts in a concrete fashion for ease of understanding.

In addition, the service scenario described in the embodiment of the present application is for more clearly illustrating the technical solution in the embodiment of the present application, and does not form a limitation on the technical solution provided in the embodiment of the present application, and it can be known by a person skilled in the art that with the occurrence of a new service scenario, the technical solution provided in the embodiment of the present application is also applicable to similar technical problems.

As shown in fig. 1, a schematic structural diagram of a service subscription system provided in the embodiment of the present application is shown. The service signing system comprises a client, a server of a payment mechanism, a server of a clearing mechanism and a server of a target card issuing bank. Wherein, the user can operate on the interface displayed by the client to input information. The clearing house's server may communicate with the target issuing bank's server, as well as with the payment house's server.

It should be noted that, in this embodiment of the application, in different scenarios, the same device may communicate with different servers according to different web foreground where the same device runs, in other words, according to different scenarios, the same device may be a client corresponding to different servers. For example, when the client displays the foreground webpage of the payment mechanism, the client may communicate with the server of the payment mechanism in response to the operation of the user on the foreground webpage of the payment mechanism, and the client may be understood as the client of the payment mechanism in this scenario. After the foreground webpage of the payment mechanism originally displayed by the client jumps to the foreground webpage of the card issuing bank, the client can respond to the operation of the user on the foreground webpage of the target card issuing bank and communicate with the server of the target card issuing bank, and the client can be understood as the client of the target card issuing bank in the scene.

It should be understood that fig. 1 is a schematic diagram that only shows the service signing system provided in the embodiment of the present application, and does not limit that the service signing system only includes a server of a payment institution, a client of a payment institution, a server of a clearing institution, and a server of a target issuing bank. The description is unified here and will not be repeated below.

In the service signing system provided by the embodiment of the application, the client can respond to the operation of the user to generate a signing application, and the signing application is sent to the server of the payment mechanism and is used for applying for signing a target issuing bank. After receiving the signing application, the service end of the payment mechanism responds to the signing application, determines the identification information of the target card issuing bank and sends the identification information of the target card issuing bank to the service end of the clearing mechanism. And after determining the address corresponding to the signing interface of the target card issuing bank according to the identification information of the target card issuing bank, the server of the clearing institution sends the address corresponding to the signing interface of the target card issuing bank to the server of the payment institution. And the server side of the payment mechanism sends the address corresponding to the signing interface of the target card issuing bank to the client side. And then, the client jumps to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank, acquires the signing information input by the user on the signing interface of the target card issuing bank, and sends the signing information to the server side of the target card issuing bank. The server of the target card issuing bank can obtain the signing result according to the signing information and send the signing result to the server of the clearing institution. And the server side of the clearing institution receives and sends the signing result to the server side of the payment institution. And finally, the server side of the payment mechanism receives the signing result from the server side of the clearing mechanism.

In this embodiment of the application, a device that implements the related functions of the client, the server of the payment mechanism, the server of the clearing mechanism, or the server of the target card-issuing bank in the service signing system described above may be referred to as a service signing device.

Optionally, the related functions of the service subscription apparatus in this embodiment of the present application may be implemented by one device, or implemented by multiple devices together, or implemented by one or more functional modules in one device, which is not specifically limited in this embodiment of the present application. It is understood that the above functions may be network elements in a hardware device, or software functions running on dedicated hardware, or a combination of hardware and software, or virtualization functions instantiated on a platform (e.g., a cloud platform).

Fig. 2 shows a schematic structural diagram of a service signing apparatus 20. The service subscription apparatus 20 includes one or more processors 21, a communication line 22, and at least one communication interface (which is only exemplarily illustrated in fig. 2 to include a communication interface 24 and one processor 21), and may optionally further include a memory 23.

The processor 21 may be a CPU, a microprocessor, an application-specific integrated circuit (ASIC), or one or more ics for controlling the execution of programs in accordance with the teachings of the present application.

The communication link 22 may include a path for connecting the various components.

The communication interface 24, which may be a transceiver module, is used for communicating with other devices or communication networks, such as ethernet, RAN, Wireless Local Area Networks (WLAN), etc. For example, the transceiver module may be a transceiver, or the like. Optionally, the communication interface 24 may also be a transceiver circuit located in the processor 21, so as to realize signal input and signal output of the processor.

The memory 23 may be a device having a memory function. Such as, but not limited to, read-only memory (ROM) or other types of static storage devices that may store static information and instructions, Random Access Memory (RAM) or other types of dynamic storage devices that may store information and instructions, electrically erasable programmable read-only memory (EEPROM), compact disk read-only memory (CD-ROM) or other optical disk storage, optical disk storage (including compact disk, laser disk, optical disk, digital versatile disk, blu-ray disk, etc.), magnetic disk storage or other magnetic storage devices, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer. The memory may be separate and coupled to the processor via a communication line 22. The memory may also be integral to the processor.

The memory 23 is used for storing computer-executable instructions for executing the scheme of the application, and is controlled by the processor 21 to execute. The processor 21 is configured to execute computer-executable instructions stored in the memory 23, so as to implement the service subscription method provided in the embodiment of the present application.

Alternatively, in this embodiment of the present application, the processor 21 may execute a function related to processing in the service subscription method provided in the foregoing embodiment of the present application, and the communication interface 24 is responsible for communicating with other devices or a communication network, which is not specifically limited in this embodiment of the present application.

The computer-executable instructions in the embodiments of the present application may also be referred to as application program codes, which are not specifically limited in the embodiments of the present application.

In particular implementations, processor 21 may include one or more CPUs such as CPU0 and CPU1 in fig. 2, for example, as one embodiment.

In one embodiment, service contracting device 20 may include a plurality of processors, such as processor 21 and processor 27 in fig. 2. Each of these processors may be a single-core (single-CPU) processor or a multi-core (multi-CPU) processor. A processor herein may refer to one or more devices, circuits, and/or processing cores for processing data (e.g., computer program instructions).

In a specific implementation, as an embodiment, the service signing apparatus 20 may further include an output device 25 and an input device 26. An output device 25 is in communication with the processor 21 and may display information in a variety of ways.

The service subscription apparatus 20 may be a general-purpose apparatus or a special-purpose apparatus. For example, the service contract apparatus 20 may be a desktop computer, a laptop computer, a web server, a Personal Digital Assistant (PDA), a mobile phone, a tablet computer, a wireless terminal device, a vehicle-mounted terminal device, an embedded device, or a device having a similar structure as in fig. 2. The embodiment of the present application does not limit the type of the service subscription apparatus 20.

The service subscription method provided in the embodiment of the present application will be specifically described below with reference to fig. 1 and fig. 2. As shown in fig. 3, the service subscription method provided in the embodiment of the present application includes the following steps:

s301, the client responds to the operation of the user and generates a signing application. The signing application is used for applying for signing a target card issuing bank.

And S302, the client sends the signing application to a server of the payment mechanism. Correspondingly, the server side of the payment mechanism receives the signing application.

S303, the server side of the payment mechanism responds to the signing application and determines the identification information of the target card issuing bank.

S304, the server side of the payment mechanism sends the identification information of the target card issuing bank to the server side of the clearing mechanism. Correspondingly, the server side of the clearing institution receives the identification information of the target card issuing bank.

S305, the server side of the clearing institution determines the address corresponding to the signing interface of the target card issuing bank according to the identification information of the target card issuing bank.

S306, the server side of the clearing institution sends the address corresponding to the signing interface of the target card issuing bank to the server side of the payment institution. Correspondingly, the server side of the payment mechanism receives the address corresponding to the signing interface of the target card issuing bank.

S307, the server side of the payment mechanism sends the address corresponding to the signing interface of the target card issuing bank to the client side. Correspondingly, the client receives the address corresponding to the signing interface of the target card issuing bank.

And S308, the client jumps to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank.

S309, the client side obtains the signing information input by the user on the signing interface of the target card issuing bank and sends the signing information to the server side of the target card issuing bank.

And S310, the server side of the target card issuing bank obtains a signing result according to the signing information.

And S311, the server side of the target card issuing bank sends the signing result to the server side of the clearing institution. Correspondingly, the server side of the clearing institution receives the signing result.

And S312, the server side of the clearing institution sends the signing result to the server side of the payment institution. Correspondingly, the server side of the payment mechanism receives the signing result.

For S301, the client may operate the website foreground of the payment mechanism, provide the user with a service that may apply for signing the card issuing bank, and generate a signing application for applying for signing the target card issuing bank in response to the operation of the user. The target card issuing bank is the card issuing bank applied and signed by the user. In this scenario, the client may be understood as a client of the payment authority. The process may also be understood as a user submitting a subscription application to a client of a payment authority.

In a possible implementation manner, if the user wants to apply for the signing service, the client may display a card issuing bank list capable of applying for signing to the user through a displayed foreground webpage of the payment mechanism, and the user may select one or more target card issuing banks from the displayed card issuing banks capable of applying for signing to apply for signing the service. After the user selects the target card-issuing bank, the client responds to the operation of the user, such as clicking an enter key and the like, and generates a signing application for applying for signing the target card-issuing bank. The signing application comprises the name of the target card issuing bank or identification information used for referring to the name of the target card issuing bank. For example, the user applies for signing a china bank, and the signed application generated by the client in response to the operation of the user may include "china bank" or may include "bank a" used to refer to "china bank".

For example, a service provided by a client that can apply for subscription may be referred to as a "card binding" or a "one-key card binding".

It should be noted that, in the embodiment of the present application, the service for signing by the user is a three-party signing service of the user, the payment mechanism, and the target card issuing bank.

In the embodiment of the present application, the website foreground of the payment mechanism may be in the form of an Application (APP) or a computer webpage of the payment mechanism, and the embodiment of the present application does not limit this. Illustratively, the client side is provided with an APP of the payment mechanism, and after the APP is opened by the user, the APP can display a contract signing application page for applying for the one-key binding card to the user.

Optionally, in this embodiment of the application, the bank that the user shown on the foreground webpage of the payment mechanism can apply for signing a contract is a bank that has a cooperative relationship with the payment mechanism.

For step S302, in this embodiment of the application, after the client, or the client of the payment mechanism, generates a subscription application of the user, the subscription application is sent to the server of the payment mechanism, and the server of the payment mechanism processes the subscription application.

For S303, after receiving the subscription application sent by the client, the service end of the payment mechanism may determine, in response to the subscription application, a target card-issuing bank applied by the user, and further determine the identification information of the target card-issuing bank.

In a possible implementation manner, the database of the payment mechanism stores identification information of the card issuing bank, and the server of the payment mechanism may determine the identification information of the target card issuing bank by querying the database of the payment mechanism, with the name of the target card issuing bank included in the subscription application or the identification information used for referring to the name of the target card issuing bank as a query condition. It should be noted that the database of the payment mechanism may be stored in the service end of the payment mechanism, or may be stored in other devices, which is not specifically limited in this embodiment of the present application.

Optionally, in this embodiment of the application, the identification information of the issuing bank may be an organization number of the issuing bank.

For S304, after the service end of the payment mechanism determines the identification information of the target card-issuing bank, the service end of the payment mechanism sends the identification information of the target card-issuing bank to the service end of the clearing mechanism, and after the service end of the clearing mechanism receives the identification information of the target card-issuing bank, the service end of the clearing mechanism may determine the target card-issuing bank applied by the user according to the identification information of the target card-issuing bank.

For S305, after the server of the clearing institution determines the target card-issuing bank according to the identification information of the target card-issuing bank, it may further determine an address corresponding to the signing interface of the target card-issuing bank, and may jump to the signing interface of the target card-issuing bank based on the address.

The signing interface of the target card issuing bank is a foreground page of the target card issuing bank and can also be called a signing interface provided by the front end of the target card issuing bank. It can be understood that, if a certain device runs the signing interface of the target card issuing bank, the device may communicate with the service end of the target card issuing bank, and the service end of the target card issuing bank may obtain, through the device, information input by the user or a request sent by the user on the signing interface of the target card issuing bank, and the device may be understood as a client of the target card issuing bank.

In a possible implementation manner, the database of the clearing institution stores an address corresponding to the signing interface of the card issuing bank, and the server of the clearing institution may determine the address corresponding to the signing interface of the target card issuing bank by querying the database of the clearing institution, with the identification information of the target card issuing bank as a query condition. It should be noted that the database of the clearing institution may be stored in the server of the clearing institution, or may be stored in other devices, which is not specifically limited in this embodiment of the present application.

Optionally, in this embodiment of the present application, the contract interface of the target issuing bank may be a hypertext markup language 5.0(HTML5.0, H5) page.

Optionally, in this embodiment of the present application, an address corresponding to a subscription interface of the target card issuing bank may be a Uniform Resource Locator (URL) address.

For S306-S307, the server of the clearing institution may send the address corresponding to the signing interface of the target card issuing bank to the client through the server of the payment institution. Correspondingly, the client receives the address corresponding to the signing interface of the target card issuing bank.

It is understood that in S301-S307, if the client runs the foreground page of the payment mechanism and communicates with the server of the payment mechanism, the client may be considered as the client of the payment mechanism.

For step S308, in this embodiment of the application, after receiving the address corresponding to the signing interface of the target card issuing bank, the client may jump to the signing interface of the target card issuing bank according to the address, and then the client displays the signing interface of the target card issuing bank. It can be understood that after the client jumps to the signing interface of the target card issuing bank, the client may communicate with the server of the target card issuing bank, which may be referred to as the client of the target card issuing bank.

Illustratively, after the client receives the address corresponding to the signing interface of the target card issuing bank, the display interface of the client jumps from the one-key card binding service application page (foreground page of the payment organization) of the original payment organization APP to the signing interface of the target card issuing bank.

Optionally, before the client jumps to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank, the server of the target card issuing bank may perform identity verification on the user according to the identity information of the user, and determine whether the user is a customer of the target card issuing bank. If the target card issuing bank confirms that the user is not the client of the target card issuing bank, the service end of the target card issuing bank can refuse the client to jump to the signing interface of the target card issuing bank. And if the target card issuing bank confirms that the user is the client of the target card issuing bank, the server side of the target card issuing bank allows and informs the client side to jump to a signing interface of the target card issuing bank. Wherein a customer of a target issuing bank refers to a user who has transacted a bank card at that bank.

In a possible implementation manner, the scheme that the server of the target card issuing bank confirms whether the user is a customer of the card issuing bank according to the identity information of the user includes the following steps:

after the user submits the subscription application through the client, the server of the payment mechanism can respond to the subscription application to acquire the identity information of the user. Then, the server side of the payment mechanism sends the identity information of the user to the server side of the clearing mechanism. And after receiving the identity information of the user, the service end of the clearing institution sends the identity information of the user to the service end of the target card issuing bank. And the server side of the target card issuing bank determines whether the user is a customer of the card issuing bank or not according to the received identity information of the user. For example, in this embodiment of the application, the identity information of the user may include at least one item of information such as a name and an identification number of the user.

Optionally, the service end of the payment institution may carry the identity information of the user and the identification information of the target card issuing bank in the same message and send the same message to the service end of the clearing institution.

In a possible implementation manner, the server of the payment mechanism may determine, according to an account of the payment mechanism that the user logs in from the client, the identity information of the user corresponding to the account.

Optionally, after receiving the identity information of the user, the server of the clearing institution may store the identity information of the user, for example, in a database of the clearing institution, so as to record the user applying for signing. In a possible implementation manner, the server of the target card issuing bank may determine whether the user is a customer of the target card issuing bank by verifying whether the identity information of the user is consistent with the identity information of the customer stored in the target card issuing bank. Illustratively, under the condition that the identity information of the user comprises the name and the identity card number of the user, the server of the target card issuing bank matches the identity card number of the user stored in the database of the target card issuing bank with the acquired identity card number of the user, if the identity card number of the user is the same as the identity card number of a certain client, further verifies whether the name of the user is the same as the name of the client, and if the name is the same, considers that the acquired identity information of the user is the same as the identity information of the client, and further confirms that the user is the client of the target card issuing bank.

In one possible implementation manner, after the server of the target card issuing bank verifies the identity of the user, response information is sent to the server of the clearing institution, and the response information is used for indicating that the client is rejected or allowed to jump to the signing interface of the target card issuing bank. And the server side of the clearing institution sends the response information to the client side through the server side of the payment institution. After receiving the response information, the client skips or determines not to skip the signing interface of the target card issuing bank according to the indication of the response information.

In another possible implementation manner, after the server of the target card issuing bank verifies the identity of the user, in the process that the client jumps to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank, the server of the payment mechanism responds to the jump starting information sent by the client, and sends the identity information of the user to the address corresponding to the signing interface of the target card issuing bank, and after the server of the target card issuing bank obtains the identity information of the user, if the user is confirmed to be a customer of the bank, the client is allowed to jump to the signing interface of the target card issuing bank. And if the user is not confirmed to be the customer of the bank, the client is refused to jump to a signing interface of the target card issuing bank.

For S309, after the client jumps to the signing interface of the target card issuing bank, the user may select one or more target bank cards applying for signing to sign among the user-selectable signing bank cards displayed on the signing interface of the target card issuing bank. After the user selects one or more target bank cards applying for signing, the service terminal of the card issuing bank can determine the target bank cards which the user applies for signing through the signing interface of the target card issuing bank. In the process, after the user inputs the subscription information on the subscription interface of the target card issuing bank, the client (which may also be referred to as the client of the target card issuing bank) acquires the subscription information input by the user, and sends the subscription information to the server of the target card issuing bank. Or, the user may also refer to submitting the subscription information to the server of the target card issuing bank through the subscription interface of the target card issuing bank.

In one possible implementation manner, after the user selects the target bank card applying for signing on the signing interface of the target card issuing bank, the client (the client of the target card issuing bank) responds to the user operation, such as clicking confirmation and the like, to obtain the information input by the user on the signing interface of the target card issuing bank, and sends the information to the server of the target card issuing bank.

It should be noted that, in the embodiment of the present application, during the process that the user signs a contract through the signing interface of the target card issuing bank, the service end of the payment mechanism cannot obtain, through the client, information input by the user on the signing interface of the target card issuing bank or information displayed to the user through the signing interface of the target card issuing bank. Therefore, the scheme can improve the safety of the user information.

For example, in this embodiment of the application, the information of the bank card displayed on the contract signing interface of the target card issuing bank may be at least one item of information of a card number of the bank card, a type of the bank card, a card surface pattern of the bank card, and the like.

Optionally, in this embodiment of the application, the bank card that the user may select to sign a contract may be a valid debit card, credit card, or other bank card under the user name.

Optionally, in this embodiment of the application, the server of the target card issuing bank may further control a subscription interface of the target card issuing bank displayed by the client, so as to display information of different types of bank cards for the user. For example, if the user selects a debit card class on the signing interface of the target card issuing bank, the client may send a request for displaying a debit card to the server of the target card issuing bank in response to the user operation, the server of the target card issuing bank controls the signing interface of the target card issuing bank to display information of an effective debit card under the user name in response to the request, and if the user selects a credit card class, the server of the target card issuing bank controls the signing interface of the target card issuing bank to display information of an effective credit card under the user name correspondingly.

Optionally, in this embodiment of the application, before the server of the target card issuing bank displays the bank card that the user can select to sign for the user through the signing interface of the target card issuing bank, the server may perform identity verification on the user, and further verify the identity of the user. And if the identity verification passes, the server side of the target card issuing bank allows the information of the bank card which can be selected by the user to be displayed on the signing interface of the target card issuing bank, otherwise, the information is not displayed. For example, the service end of the target card issuing bank may perform identity verification according to the short message verification code. After a user confirms sending of a verification code on a signing interface of a target card issuing bank, a client responds to confirmation operation of the user and sends information indicating sending of the verification code to a server of the target card issuing bank, the server of the target card issuing bank receives the information and then sends a short message containing the verification code to a mobile phone number which is reserved in the target card issuing bank by a client and is consistent with identity information of the user, if the user correctly inputs the sent verification code on the signing interface of the target card issuing bank within a set time, the server of the target card issuing bank can respond to the verification code which is sent by the client and is input by the user, the verification code is determined to be correct, the identity verification of the user is confirmed to be passed, and if the verification code is not passed. Certainly, the target card issuing bank may also perform identity verification through voice communication and other manners, which is not limited in the embodiment of the present application.

For S310, the server of the target card-issuing bank responds to the signing information submitted by the user on the signing interface of the target card-issuing bank, and performs signing processing according to the target bank card after determining the target bank card to which the user applies for signing. And if the signing is successful, the server side of the target card issuing bank generates a corresponding signing result to finish signing. The signing result is used for representing that the target card issuing bank, the payment mechanism and the user complete the signing.

In a possible implementation manner, if the subscription is successful, the server of the target card issuing bank generates a corresponding subscription agreement number, where the subscription agreement number is used to identify the subscription at this time, or is used to identify the result of the subscription at this time, and in this case, the subscription result includes the subscription agreement number. Optionally, the signing result may further include at least one item of information of a card number of the signed target bank card and a mobile phone number of the user.

Optionally, after the server of the target card-issuing bank generates the corresponding subscription result or fails to sign, the service end may control the subscription interface of the target card-issuing bank to display the corresponding subscription result or prompt information for the user, so as to prompt the user that the subscription is successful or failed.

Optionally, before the target card issuing bank performs the subscription according to the target bank card applied for subscription by the user, in order to ensure subscription security, the server of the target card issuing bank may perform card password verification. Illustratively, after a user selects a target bank card on a signing interface of a target card issuing bank, a password of the bank card is input on the signing interface of the target card issuing bank, a client side responds to a confirmation operation of the user and sends the password input by the user to a server side of the target card issuing bank, the server side of the target card issuing bank obtains the password input by the user and then matches the password of the bank card stored in a database of the target card issuing bank with the password input by the user, if the password input by the user is consistent with the password of the card, the card password verification is passed, the server side of the target card issuing bank confirms that the signing can be carried out, and otherwise, the server side of the target card issuing bank confirms that the signing is not carried out.

Optionally, in this embodiment of the application, the signing interface of the target card-issuing bank may be different signing pages, and the server of the target card-issuing bank may control the signing interface of the target card-issuing bank displayed on the client to be a corresponding signing page according to different scenarios or in response to a request sent by the client to the server of the target card-issuing bank, or control the client to jump from an original signing page to another signing page. Correspondingly, the server of the clearing institution sends the address corresponding to the signing interface of the target card issuing bank of the client through the server of the payment institution, and can also be the address corresponding to different signing pages.

For example, in the above-described scenario where the target issuing bank performs identity verification on the user through the short message verification code, the signing interface of the target issuing bank may be referred to as an identity verification page. In the above-described scenario where the signing interface of the target issuing bank presents the user with a bank card that can be selected for signing, the signing interface of the target issuing bank may be referred to as a bank card plane information query page. In the above-described scenario where the user is prompted by the signing interface of the target card issuing bank to sign successfully or sign unsuccessfully, the signing interface of the target card issuing bank may be referred to as a signing confirmation page.

For example, the address corresponding to the signing interface of the target card issuing bank received by the client is the address of the bank card surface information inquiry page, and when the service end of the target card issuing bank confirms that the user is a client of the target card issuing bank according to the identity information of the user, the client is informed to jump to the bank card surface information inquiry page according to the address, and after the jump, the user selects the target bank card from the bank cards displayed on the bank card surface information inquiry page for signing. For another example, the address corresponding to the signing interface of the target card issuing bank received by the client is the address of the authentication page, when the service end of the target card issuing bank confirms that the user is a client of the target card issuing bank according to the identity information of the user, the client is informed to jump to the authentication page according to the address, the service end of the target card issuing bank performs authentication on the authentication page according to the user after jumping, and after the authentication is correct, the service end of the target card issuing bank controls the client to jump to the bank card plane information query page from the authentication page. And after the server side of the target card issuing bank obtains the signing result, the server side of the target card issuing bank controls the client side to skip and display a signing confirmation page.

It should be noted that, in this embodiment of the present application, when the signing interfaces of the target card issuing bank are different signing pages, the name of the signing page is only an example name, and may also be other names in a specific implementation, which is not specifically limited in this embodiment of the present application.

For S311, the server of the target card issuing bank sends the generated signing result to the server of the clearing institution.

Optionally, in this embodiment of the application, the server of the clearing house may store the received signing result, for example, to a database of the clearing house, so as to record the signing.

For S312, the server of the clearinghouse sends the signing result to the server of the payment house.

Optionally, in this embodiment of the application, the server of the payment mechanism may store the received signing result, for example, to a database of the payment mechanism, so as to prepare for a subsequent user to pay using a signed bank card.

In steps S301 to S312, the actions of the client, the server of the payment institution, the server of the clearing institution or the server of the destination card-issuing bank may be executed by the processor 21 in the service signing apparatus 20 shown in fig. 2 calling the application program code stored in the memory 23 to instruct the service signing apparatus to execute. This embodiment does not set any limit to this.

Optionally, after the server of the target card issuing bank confirms that the subscription is completed, the client may jump back to the foreground page of the payment mechanism from the subscription interface of the target card issuing bank.

In one possible implementation, the client may jump back from the signing interface of the target issuing bank to the foreground page of the payment authority in response to a user operation. For example, after confirming that the subscription is completed according to the subscription confirmation page displayed on the payment mechanism APP, the user clicks a close key on the subscription confirmation page, and the payment mechanism APP responds to a close request of the user and jumps back from the subscription confirmation page to a home page of the payment mechanism APP.

In the embodiment of the application, after the subscription is completed, the target bank card signed by the user can be used for the subsequent payment of the user through the payment mechanism. Alternatively, it may be for quick payment.

Optionally, in this embodiment of the application, each device may perform information interaction through a message. For example, the service end of the payment institution may send a message carrying the user identity information and the identification information of the target card issuing bank to the service end of the clearing institution through a message.

For convenience of understanding, the service subscription system and the service subscription method provided in the embodiment of the present application are described below with reference to fig. 4 by a specific example.

As shown in fig. 4, the service signing system provided in the embodiment of the present application includes a client, a server of a payment institution, a server of a clearing institution, and a server of a target card issuing bank. Suppose that the mobile phone of the user is a client, the user opens the APP of the payment mechanism on the mobile phone of the user, and decides to apply for the one-key card binding service provided by the APP of the signed payment mechanism.

S401, the client responds to the operation of the user and generates a signing application.

The user submits a signing application through a page 'apply for one-key binding card' displayed on the payment mechanism APP. Specifically, reference may be made to the above description of S301, which is not described herein again.

S402, the client sends the signing application to the server of the payment mechanism.

S403, the server side of the payment mechanism determines the identification information of the target card issuing bank and the identity information of the user.

In the embodiment of the application, the server of the payment mechanism responds to the received signing application, determines the identification information of the target card issuing bank (the mechanism number of the target card issuing bank), and determines the identity information of the user (the user name and the identity card number) according to the account of the user logged in the payment mechanism APP. Reference may be made to the above description of S303 and S308, which are not described herein again.

S404, the server side of the payment mechanism sends an identity authentication and signing application message to the server side of the clearing mechanism.

In the embodiment of the application, the server of the payment mechanism can carry the identity information of the user and the mechanism number of the target card issuing bank on the identity authentication and signing application message and send the identity authentication and signing application message to the server of the clearing mechanism. The identity authentication and signing application message is used for representing a user to apply for signing a signing target card issuing bank.

And S405, the server side of the clearing institution performs subscription processing.

In the embodiment of the application, the server side of the clearing institution determines the target card issuing bank according to the institution number of the target card issuing bank carried by the identity authentication and signing application message, and stores the identity information of the user carried by the identity authentication and signing application message for later use. Reference may be made to the above description of S304 and S308, which are not described herein again.

S406, the server side of the clearing institution sends the identity information of the user to the server side of the target card issuing bank.

In the embodiment of the application, the server of the clearing institution sends the identity information of the user to the server of the target card issuing bank, so that the server of the target card issuing bank performs identity verification on the user, for example, the server of the target card issuing bank verifies that the user is a bank client. Reference is specifically made to the above description of S308, which is not repeated herein.

S407, the server side of the clearing institution sends an identity authentication and signing skip message to the server side of the payment institution.

In the embodiment of the application, the server side of the clearing institution determines the address corresponding to the signing interface (identity verification page) of the target card issuing bank, and sends the address to the server side of the payment institution through the identity authentication and signing skip message. The identity authentication and signing skip message is used for indicating that the target card issuing bank is skipped to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank.

S408, the server side of the payment mechanism sends the identity authentication and signing skip message to the client side.

And S409, the client jumps to a signing interface of a target card issuing bank according to the identity authentication and signing skip message.

In the embodiment of the application, after receiving the identity authentication and subscription jump message, the mobile phone of the user jumps from the originally displayed page of 'applying for one-key binding card' of the payment mechanism APP to the identity verification page according to the address corresponding to the subscription interface of the target card issuing bank carried in the identity authentication and subscription jump message. Reference is specifically made to the above description of S308, which is not repeated herein.

And S410, submitting the signing information to a server of the target card issuing bank by the user through the client.

In the embodiment of the application, after the user confirms the sending of the verification code on the identity verification page, the server side of the target card issuing bank sends the short message verification code to the mobile phone number reserved by the user in the target card issuing bank. After the user inputs the received short message verification code on the authentication page, the server of the target card issuing bank confirms that the verification codes are consistent, controls the authentication page displayed on the mobile phone of the user to jump to a bank card surface information inquiry page, displays the bank cards valid under the user name, and selects the signed target bank card from the valid bank cards. Reference may be made to the above description of S309, which is not described herein again.

S411, the server side of the target card issuing bank carries out signing processing.

In the embodiment of the application, the server of the target card issuing bank determines the target bank card selected by the user according to the acquired signing information, performs signing processing, generates a signing protocol number, and completes signing. After the target card issuing bank finishes signing, the bank card surface information inquiry page displayed on the mobile phone of the user is controlled to jump to a signing confirmation page, and the user confirms that the signing is successful. Reference is made to the above description of S310, which is not repeated herein.

And S412, the client jumps back to the foreground page of the payment mechanism from the signing interface of the target card issuing bank.

In the embodiment of the application, in response to an operation of closing the subscription confirmation page by the user, the payment mechanism APP jumps back to an originally displayed foreground page of the payment mechanism from the subscription confirmation page (page displayed by the payment mechanism APP before S401).

And S413, the server side of the target card issuing bank sends an identity authentication and signing receipt message to the server side of the clearing institution.

In the embodiment of the application, the server of the target card issuing bank sends the signing agreement number, the card number of the signed target bank card and the mobile phone number of the user to the server of the clearing institution through the identity authentication and signing receipt message. The server of the clearing institution can confirm that the user finishes signing according to the received identity authentication and signing receipt messages, and stores the signing agreement number, the card number of the target bank card and the mobile phone number of the user in association with the previously received identity information of the user so as to monitor the payment finished by the subsequent user by using the signing bank card.

And S414, the server side of the clearing institution sends an identity authentication and signing receipt message to the server side of the payment institution.

In the embodiment of the application, the server of the clearing institution sends the identity authentication and signing receipt message to the server of the payment institution, and after receiving the identity authentication and signing receipt message, the server of the payment institution confirms that the user completes signing, and associates and stores the signing protocol number, the card number of the target bank card and the mobile phone number of the user with the previously acquired identity information of the user so as to prepare for the follow-up user to use the signed bank card for carrying out and payment.

The scheme provided by the embodiment of the application is mainly introduced from the perspective of a method. Correspondingly, the embodiment of the application also provides a service signing device, and the service signing device is used for realizing the various methods. The device may be a server of the payment institution, a client of the payment institution, a server of the clearing institution or a server of the target issuing bank in the above method embodiment, or a device including the server of the payment institution, the client of the payment institution, the server of the clearing institution or the server of the target issuing bank, or a component that can be used for the server of the payment institution, the client of the payment institution, the server of the clearing institution or the server of the target issuing bank. It is understood that, in order to implement the above functions, the service subscription apparatus includes a hardware structure and/or a software module corresponding to the execution of each function. Those of skill in the art would readily appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as hardware or combinations of hardware and computer software. Whether a function is performed as hardware or computer software drives hardware depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.

In the embodiment of the present application, the service subscription apparatus may be divided into the functional modules according to the method embodiments, for example, each functional module may be divided corresponding to each function, or two or more functions may be integrated into one processing module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. It should be noted that, in the embodiment of the present application, the division of the module is schematic, and is only one logic function division, and there may be another division manner in actual implementation.

Fig. 5 shows a schematic structural diagram of a service signing apparatus 50. The apparatus 50 comprises a processing module 501 and a transceiver module 502. The transceiver module 502, which may also be referred to as a transceiver unit, is used to implement a transceiving function, and may be, for example, a transceiving circuit, a transceiver, or a communication interface.

Taking the service signing apparatus 50 as the server of the payment mechanism in the above method embodiment as an example, the transceiver module 502 is configured to receive a signing application sent by a user through a client; the signing application is used for applying for a signing target card issuing bank; the processing module 501 is configured to determine, in response to a contract signing application, identification information of a target card issuing bank; the transceiver module 502 is further configured to send identification information of the target card issuing bank to a server of the clearing institution, where the identification information of the target card issuing bank is used to determine an address corresponding to a signing interface of the target card issuing bank; the transceiver module 502 is further configured to receive an address corresponding to a signing interface of a target card issuing bank from a server of a clearing institution, and send the address corresponding to the signing interface of the target card issuing bank to a client, so that the client jumps to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank, and sends, to the server of the target card issuing bank, a signing result to the server of the clearing institution after the signing information input by a user at the signing interface is sent by the server of the target card issuing bank; the transceiver module 502 is further configured to receive a subscription result from a server of a clearing house.

Optionally, the processing module 501 is further configured to obtain identity information of the user, where the identity information is used for the target card issuing bank to perform identity authentication on the user; the transceiver module 502 is further configured to send the identity information of the user to a server of the target card issuing bank through the server of the clearinghouse, and the server of the target card issuing bank notifies the client to jump to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank when the server of the target card issuing bank confirms that the user is a customer of the target card issuing bank according to the identity information of the user.

Optionally, the signing interface of the target card issuing bank includes a bank card surface information inquiry page; the transceiver module 502 is specifically configured to send the identity information of the user to a server of the target card issuing bank through a server of the clearing institution, and when the server of the target card issuing bank confirms that the user is a customer of the target card issuing bank according to the identity information of the user, the server notifies the client to jump to a bank card plane information query page according to an address corresponding to a signing interface of the target card issuing bank, and the user selects a target bank card from the bank cards displayed on the bank card plane information query page for signing.

Optionally, the signing interface of the target card issuing bank includes an identity verification page; the transceiver module 502 is specifically configured to send the identity information of the user to a server of a target card issuing bank through a server of a clearing institution, and the server of the target card issuing bank notifies the client to jump to an authentication page according to an address corresponding to a signing interface of the target card issuing bank when confirming that the user is a client of the target card issuing bank according to the identity information of the user, so that the client obtains an authentication code input by the user on the authentication page and verifies whether the authentication code is correct for the server of the target card issuing bank, and when the authentication code is correct for the server of the target card issuing bank, the client is notified to jump to a bank card plane information query page, and the user selects a target bank card from the bank cards displayed on the bank card plane information query page for signing.

Taking the service signing apparatus 50 as an example of a service end of a clearing institution in the above method embodiment, the transceiver module 502 is configured to receive identification information of a target card issuing bank from the service end of a payment institution; the processing module 501 is configured to determine, according to the identification information of the target card issuing bank, an address corresponding to a subscription interface of the target card issuing bank; the transceiver module 502 is further configured to send, to the client through the server of the payment mechanism, an address corresponding to the signing interface of the target card-issuing bank, so that the client jumps to the signing interface of the target card-issuing bank according to the address corresponding to the signing interface of the target card-issuing bank, and sends, to the server of the target card-issuing bank, the signing information input by the user on the signing interface; the transceiver module 502 is further configured to receive a subscription result from a server of the target card issuing bank, and send the subscription result to a server of the payment institution.

Optionally, the transceiver module 502 is further configured to receive identity information of a user from a service end of the payment mechanism; the transceiver module 502 is further configured to send the identity information of the user to a server of the target card issuing bank, and the server of the target card issuing bank notifies the client to jump to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank when the server of the target card issuing bank confirms that the user is a customer of the target card issuing bank according to the identity information of the user.

All relevant contents of each step related to the above method embodiment may be referred to the functional description of the corresponding functional module, and are not described herein again. Of course, the service subscription device 50 provided in the embodiment of the present application includes, but is not limited to, the above modules.

In this embodiment, the service contracting device 50 is presented in a form of dividing each functional module in an integrated manner. A "module" herein may refer to a particular ASIC, a circuit, a processor and memory that execute one or more software or firmware programs, an integrated logic circuit, and/or other device that provides the described functionality.

In a simple embodiment, the service contracting device 50 may take the form of the service contracting device 20 shown in fig. 2, as will be appreciated by those skilled in the art.

For example, the processor 21 in the service signing apparatus 20 shown in fig. 2 may call a computer stored in the memory 23 to execute the instructions, so that the service signing apparatus 20 executes the service signing method in the above-described method embodiment. Specifically, the functions/implementation processes of the transceiver module 502 and the processing module 501 in fig. 5 may be implemented by the processor 21 in the service signing apparatus 20 shown in fig. 2 calling a computer executing instruction stored in the memory 23. Alternatively, the function/implementation process of the processing module 501 in fig. 5 may be implemented by the processor 21 in the service signing apparatus 20 shown in fig. 2 calling a computer executing instruction stored in the memory 23, and the function/implementation process of the transceiver module 502 in fig. 5 may be implemented by the communication interface 24 in the service signing apparatus 20 shown in fig. 2.

Since the service subscription apparatus 50 provided in this embodiment can execute the service subscription method, the technical effect obtained by the service subscription apparatus can refer to the method embodiment, and will not be described herein again.

Another embodiment of the present application further provides a computer-readable storage medium, where a computer instruction is stored in the computer-readable storage medium, and when the computer instruction runs on an electronic device, the electronic device is enabled to perform the steps performed by the service subscription apparatus in the method flow shown in the foregoing method embodiment.

Another embodiment of the present application further provides a chip system, which is applied to an electronic device. The system-on-chip includes one or more interface circuits, and one or more processors. The interface circuit and the processor are interconnected by a line. The interface circuit is configured to receive signals from a memory of the electronic device and to send the signals to the processor, the signals including computer instructions stored in the memory. When the processor executes the computer instructions, the electronic device executes the steps executed by the service signing apparatus in the method flow shown in the above-mentioned embodiment of the method.

In another embodiment of the present application, a computer program product is further provided, where the computer program product includes instructions, and when the instructions are run on an electronic device, the instructions cause the electronic device to perform the steps performed by the service subscription apparatus in the method flow shown in the foregoing method embodiment.

In the above embodiments, the implementation may be wholly or partially realized by software, hardware, firmware, or any combination thereof. When implemented using a software program, may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. The processes or functions according to the embodiments of the present application are generated in whole or in part when the computer-executable instructions are loaded and executed on a computer. The computer may be a general purpose computer, a special purpose computer, a network of computers, or other programmable device. The computer instructions may be stored on a computer readable storage medium or transmitted from one computer readable storage medium to another computer readable storage medium, for example, the computer instructions may be transmitted from one website, computer, server, or data center to another website, computer, server, or data center via wire (e.g., coaxial cable, fiber optic, Digital Subscriber Line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.). Computer-readable storage media can be any available media that can be accessed by a computer or can comprise one or more data storage devices, such as servers, data centers, and the like, that can be integrated with the media. The usable medium may be a magnetic medium (e.g., floppy disk, hard disk, magnetic tape), an optical medium (e.g., DVD), or a semiconductor medium (e.g., Solid State Disk (SSD)), among others.

The foregoing is only illustrative of the present application. Those skilled in the art can conceive of changes or substitutions based on the specific embodiments provided in the present application, and all such changes or substitutions are intended to be included within the scope of the present application.

Claims

1. A service signing method is applied to a server side of a payment mechanism, and is characterized by comprising the following steps:

receiving a signing application sent by a user through a client; the signing application is used for applying for signing a target card issuing bank;

responding to the signing application, and determining the identification information of the target card issuing bank;

sending the identification information of the target card issuing bank to a server of a clearing institution, wherein the identification information of the target card issuing bank is used for determining an address corresponding to a signing interface of the target card issuing bank;

receiving an address corresponding to a signing interface of the target card issuing bank from a server of the clearing institution, and sending the address corresponding to the signing interface of the target card issuing bank to a client, so that the client jumps to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank, and after sending the signing information input by the user on the signing interface to the server of the target card issuing bank, the server of the target card issuing bank sends a signing result to the server of the clearing institution;

and receiving the signing result from the server side of the clearing institution.

2. The method of claim 1, further comprising:

acquiring identity information of the user, wherein the identity information is used for the target card issuing bank to carry out identity verification on the user;

and sending the identity information of the user to a server of the target card issuing bank through the server of the clearing institution, and informing the client of jumping to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank by the server of the target card issuing bank under the condition that the server of the target card issuing bank confirms that the user is a customer of the target card issuing bank according to the identity information of the user.

3. The method of claim 2, wherein the signing interface of the target issuing bank comprises a bank card face information query page;

when the server of the target card issuing bank confirms that the user is a customer of the target card issuing bank according to the identity information of the user, the server informs the client of skipping to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank, and the steps include:

and under the condition that the server of the target card issuing bank confirms that the user is a customer of the target card issuing bank according to the identity information of the user, the server informs the client to jump to the bank card surface information inquiry page according to the address corresponding to the signing interface of the target card issuing bank, and the user selects the target bank card from the bank cards displayed on the bank card surface information inquiry page for signing.

4. The method of claim 2, wherein the signing interface of the target issuing bank comprises an authentication page;

and under the condition that the server of the target card issuing bank confirms that the user is a client of the target card issuing bank according to the identity information of the user, the client is informed to jump to the identity verification page according to the address corresponding to the signing interface of the target card issuing bank, so that the client verifies whether the verification code is correct or not to the server of the target card issuing bank after acquiring the verification code input by the user on the identity verification page, under the condition that the server of the target card issuing bank verifies that the verification code is correct, the client is informed to jump to a bank card plane information inquiry page, and the user selects the target bank card from the bank cards displayed on the bank card plane information inquiry page for signing.

5. A service signing method is applied to a server side of a clearing institution, and is characterized by comprising the following steps:

receiving identification information of a target card issuing bank from a service end of a payment mechanism;

determining an address corresponding to a signing interface of the target card issuing bank according to the identification information of the target card issuing bank;

sending an address corresponding to a signing interface of the target card issuing bank to a client through a server of the payment mechanism, so that the client jumps to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank, and sending signing information input by a user on the signing interface to the server of the target card issuing bank;

and receiving the signing result from the server of the target card issuing bank, and sending the signing result to the server of the payment mechanism.

6. The method of claim 5, further comprising:

receiving identity information of a user from a server of the payment institution;

and the server of the target card issuing bank informs the client of skipping to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank under the condition that the server of the target card issuing bank confirms that the user is a customer of the target card issuing bank according to the identity information of the user.

7. A service subscription apparatus, characterized in that the apparatus comprises: the device comprises a processing module and a transmitting-receiving module;

the receiving and sending module is used for receiving a signing application sent by a user through a client; the signing application is used for applying for signing a target card issuing bank;

the processing module is used for responding to the signing application and determining the identification information of the target card issuing bank;

the receiving and sending module is further configured to send identification information of the target card issuing bank to a server of a clearing institution, where the identification information of the target card issuing bank is used to determine an address corresponding to a signing interface of the target card issuing bank;

the receiving and sending module is further configured to receive an address corresponding to the signing interface of the target card issuing bank from the server of the clearinghouse, and send the address corresponding to the signing interface of the target card issuing bank to the client, so that the client jumps to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank, and sends, to the server of the target card issuing bank, the signing information input by the user on the signing interface, and then the server of the target card issuing bank sends a signing result to the server of the clearinghouse;

the receiving and sending module is also used for receiving the signing result from the server side of the clearing institution.

8. The apparatus of claim 7,

the processing module is further configured to acquire identity information of the user, where the identity information is used for the target card issuing bank to authenticate the identity of the user;

the receiving and sending module is further configured to send the identity information of the user to a server of the target card-issuing bank through the server of the clearing institution, and the server of the target card-issuing bank notifies the client to jump to the signing interface of the target card-issuing bank according to the address corresponding to the signing interface of the target card-issuing bank when the server of the target card-issuing bank confirms that the user is a customer of the target card-issuing bank according to the identity information of the user.

9. The apparatus of claim 8, wherein the subscription interface of the target issuing bank comprises a bank card face information query page;

the receiving and sending module is specifically configured to send the identity information of the user to a server of the target card issuing bank through the server of the clearing institution, and the server of the target card issuing bank notifies the client to jump to the bank card plane information query page according to an address corresponding to a signing interface of the target card issuing bank when confirming that the user is a customer of the target card issuing bank according to the identity information of the user, and the user selects a target bank card from the bank cards displayed on the bank card plane information query page for signing.

10. The apparatus of claim 8, wherein the signing interface of the target issuing bank comprises an authentication page;

the receiving and sending module is specifically configured to send the identity information of the user to a service end of the target card issuing bank through the service end of the clearing institution, and when the service end of the target card issuing bank confirms that the user is a customer of the target card issuing bank according to the identity information of the user, informing the client to jump to the identity verification page according to the address corresponding to the signing interface of the target card issuing bank, so that the client side can verify whether the verification code is correct or not to the server side of the target card issuing bank after acquiring the verification code input by the user on the identity verification page, and under the condition that the server side of the target card issuing bank verifies that the verification code is correct, the client side is informed to jump to a bank card surface information inquiry page, and the user selects a target bank card from the bank cards displayed on the bank card surface information inquiry page for signing.

11. A service subscription apparatus, characterized in that the apparatus comprises: a transceiver module and a processing module;

the receiving and sending module is used for receiving the identification information of a target card issuing bank from a service end of a payment mechanism;

the processing module is used for determining an address corresponding to a signing interface of the target card issuing bank according to the identification information of the target card issuing bank;

the receiving and sending module is further configured to send, to a client through a server of the payment mechanism, an address corresponding to a signing interface of the target card issuing bank, so that the client jumps to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank, and sends, to the server of the target card issuing bank, signing information input by a user on the signing interface;

the receiving and sending module is further configured to receive the signing result from the server of the target card issuing bank and send the signing result to the server of the payment mechanism.

12. The apparatus of claim 10,

the receiving and sending module is also used for receiving the identity information of the user from the server side of the payment mechanism;

the receiving and sending module is further configured to send the identity information of the user to a server of the target card issuing bank, and the server of the target card issuing bank notifies the client to jump to the signing interface of the target card issuing bank according to an address corresponding to the signing interface of the target card issuing bank when the server of the target card issuing bank confirms that the user is a customer of the target card issuing bank according to the identity information of the user.

13. A service subscription system, the system comprising: the system comprises a client, a server of a payment mechanism, a server of a clearing mechanism and a server of a target card issuing bank;

the client is used for responding to the operation of a user, generating a signing application and sending the signing application to the server of the payment mechanism, wherein the signing application is used for applying for signing a target issuing bank;

the server of the payment mechanism is used for responding to the signing application after receiving the signing application, determining the identification information of the target card issuing bank and sending the identification information of the target card issuing bank to the server of the clearing mechanism;

the server of the clearing institution is used for sending the address corresponding to the signing interface of the target card issuing bank to the server of the payment institution after determining the address corresponding to the signing interface of the target card issuing bank according to the identification information of the target card issuing bank;

the server side of the payment mechanism is also used for sending an address corresponding to a signing interface of the target card issuing bank to the client side;

the client is further used for jumping to the signing interface of the target card issuing bank according to the address corresponding to the signing interface of the target card issuing bank, acquiring the signing information input by the user on the signing interface of the target card issuing bank, and sending the signing information to the server of the target card issuing bank;

the server of the target card issuing bank is used for acquiring a signing result according to the signing information and sending the signing result to the server of the clearing institution;

the server side of the clearing institution is also used for sending the signing result to the server side of the payment institution;

and the server side of the payment mechanism is also used for receiving the signing result from the server side of the clearing mechanism.