CN114943533A - Bank card surface setting method and device based on block chain - Google Patents

Bank card surface setting method and device based on block chain Download PDF

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CN114943533A
CN114943533A CN202210609314.6A CN202210609314A CN114943533A CN 114943533 A CN114943533 A CN 114943533A CN 202210609314 A CN202210609314 A CN 202210609314A CN 114943533 A CN114943533 A CN 114943533A
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bank
card
message
bank account
user
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刘娟
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Bank of China Ltd
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Bank of China Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355—Personalisation of cards for use
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
    • G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
    • G06F21/6245—Protecting personal data, e.g. for financial or medical purposes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures

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Abstract

The invention discloses a bank card surface setting method and a bank card surface setting device based on a block chain, wherein the method comprises the following steps: the 5G message client sends the first biological characteristic information of the user and the card surface setting request to a 5G message server by adopting a preset mobile phone account; the 5G message server searches the identity card number and the second biological characteristic information corresponding to the preset mobile phone account and verifies whether the biological characteristic information is matched or not; when the identification number is matched with the bank account number, the bank account number corresponding to the identification number is searched from the block chain and is sent to the 5G message client; the 5G message client acquires the bank account selected by the user and the uploaded image, and sends the bank account and the uploaded image to the compliance server through the 5G message server to perform compliance check; and when the compliance is met, the 5G message server sends a signature prompt, and sends the electronic signature, the image and the bank account sent by the preset mobile phone account to the associated bank side to change the electronic card surface. According to the scheme, the user does not need to input content, data interaction with a bank is less, and the safety of the user is improved.

Description

Bank card surface setting method and device based on block chain
Technical Field
The invention relates to the technical field of block chains, in particular to a bank card surface setting method and device based on a block chain.
Background
In order to enable a user to have a better service experience, when the APP or the electronic bank page of some banks presents the bank account number of the user, an electronic picture of a bank card is also displayed, and the electronic picture is a card surface of the bank card and is also called an electronic card surface. The card face of a bank card typically corresponds to the card face on the user's physical card, but in some cases may be altered by the user.
At present, a method for a user to change a card surface of a bank card is to open a bank APP, input an identity card number or a card number, input a password to log in the bank APP, and then find an entrance for changing the card surface of the bank card to set. In the process of inputting the identification card number or the card number and the password, the operation of inputting is easily recorded by surrounding people or cameras, and the user account number and the password are cracked according to the recorded content. Therefore, the security of the existing bank card surface setting method is low.
Disclosure of Invention
The embodiment of the invention provides a bank card surface setting method and device based on a block chain, which are used for solving the problem of lower safety of the conventional bank card surface setting method.
A first aspect of the present specification provides a bank card surface setting method based on a block chain, including: the method comprises the steps that a 5G message client acquires first biological characteristic information of a user, the first biological characteristic information and a card surface setting request are used as the content of a 5G message, and the 5G message is sent to a 5G message server by adopting a preset mobile phone account; the 5G message server searches the identity card number and the second biological characteristic information corresponding to the preset mobile phone account from a local database and verifies whether the first biological characteristic information is matched with the second biological characteristic information; under the condition of matching, searching a bank account corresponding to the identity card number from the block chain, and sending the bank account to the 5G message client; the 5G message client acquires the bank account number selected by the user and the uploaded image and sends the bank account number and the uploaded image to the 5G message server; the 5G message server sends the bank account selected by the user and the uploaded image to a compliance server for compliance check; the 5G message server receives the regularity checking result, and if the regularity checking result meets the regularity checking result, a signature prompt is sent to the 5G message client side to prompt a user to provide an electronic signature; the 5G message server sends the bank card surface setting information sent by the preset mobile phone account to the associated bank side so that the bank side can change the bank card surface; the card surface setting information of the bank card comprises an electronic signature, an image and a bank account number; and the 5G message server receives the change result sent by the cash register side, sends the change result to the 5G message client, and synchronizes the change result to the block chain.
In some embodiments, after the 5G message server receives the modification result sent by the cashier side, the method further includes: under the condition that the change result is successful, the 5G message server searches the bank account number related to the preset mobile phone account number and the group where the related bank account number is located from the block chain; sending a synchronous prompt to a 5G message client under the condition that the group exists, wherein the synchronous prompt is used for prompting a user that the card surface of the bank card with the changed result as success can be synchronized to each bank account number in the group; the 5G message client receives confirmation information of the user and the selected group, wherein the confirmation information indicates that the user determines to synchronize the bank card surface with the changed result as the success to each bank account number in the selected group; the 5G message server sends synchronous invitations to all the bank accounts in the selected group, wherein the synchronous invitations represent synchronous settings for inviting the bank accounts to participate in the card surfaces of the bank cards; and the 5G message server receives the reply of the client of each bank account in the group to the synchronous invitation, and if the reply is synchronous and an electronic signature is provided, the 5G message server sends the bank account corresponding to the reply, the electronic signature and the image sent by the preset mobile phone account to the bank side so that the bank side can change the card surface of the bank card.
In some embodiments, the method further comprises: when receiving a message which is sent by a bank and is related to a bank account, a 5G message server acquires a bank card surface corresponding to the bank account from a block chain; sending the information related to the bank account and the card surface of the bank card to a 5G information client; and the 5G message client presents the message related to the bank account by taking the card surface of the bank card as a background image.
In some embodiments, the 5G message client obtains a bank account selected by a user and an uploaded image, and sends the bank account and the uploaded image to the 5G message server, including: the 5G message client acquires a bank account selected by a user, a plurality of images uploaded by the bank account selected by the user, preset time set for the bank account selected by the user and the validity period of a card surface of a bank card; taking the preset time length and the validity period as the card surface setting information of the bank card; sending the card surface setting information of the bank card to a 5G message server; correspondingly, the bank side changes the bank card face, includes: and selecting one image from a plurality of images corresponding to the bank account as the card surface of the bank account every other preset time, and setting the card surface of the bank account as a default card surface after the card surface is valid.
In some embodiments, before collecting, at a 5G message client, first biometric information of a user, and using the first biometric information and a card setting request as content of a 5G message, and sending the 5G message to a 5G message server by using a preset mobile phone account, the method further includes: the 5G message server judges whether the changed amount reaches a preset value or not after acquiring balance change information of the bank account of the user from the block chain, and acquires a mobile phone account corresponding to the bank account of which the changed amount reaches the preset value under the condition of reaching the preset value; and sending a setting notice to the mobile phone account to remind a user that the bank account with the variable amount reaching a preset value obtains a chance of setting the card surface of the bank card.
A second aspect of the present specification provides a bank card surface setting method based on a block chain, including: acquiring first biological characteristic information of a user, taking the first biological characteristic information and a card surface setting request as the content of a 5G message, sending the 5G message to a 5G message server by adopting a preset mobile phone account number, so that the 5G message server searches an identity card number and second biological characteristic information corresponding to the preset mobile phone account number from a local database, verifies whether the first biological characteristic information is matched with the second biological characteristic information, searches a bank account number corresponding to the identity card number from a block chain under the matching condition, and sends the bank account number to a 5G message client; the method comprises the steps that a bank account selected by a user and an uploaded image are obtained and sent to a 5G message server, so that the 5G message server sends the bank account selected by the user and the uploaded image to a compliance server for compliance check, receives a compliance check result, and sends a signature prompt to a 5G message client terminal to prompt the user to provide an electronic signature if compliance is met; receiving and responding to the signature prompt, acquiring an electronic signature of the user, and sending the electronic signature to a 5G message server, so that the 5G message server sends the bank card surface setting information sent by the preset mobile phone account to an associated bank side, and the bank side can change the bank card surface; the bank card surface setting information comprises an electronic signature, an image and a bank account number; and receiving a change result sent by the cashier side through the 5G message server.
In some embodiments, after the 5G message server receives the change result sent by the bank side, the method further includes: receiving the group and synchronous prompt sent by the 5G message server: the group is a group in which the bank account number associated with the preset mobile phone account number and the associated bank account number are located, which are searched by the 5G message server from the block chain under the condition that the change result is successful; the synchronous reminding is sent to the 5G message client under the condition that the group exists, and is used for reminding the user that the card surface of the bank card with the changed result as success can be synchronized to each bank account number in the group; receiving confirmation information of a user and a selected group, sending the confirmation information of the user and the selected group to a 5G message server, so that the 5G message server sends a synchronous invitation to each bank account in the selected group, receiving a reply of a client of each bank account to the synchronous invitation, and if the reply is synchronous and an electronic signature is provided, sending an image sent by the bank account, the electronic signature and the preset mobile phone account corresponding to the reply to a bank side by the 5G message server so that the bank side can change a bank card; the confirmation information indicates that the user determines to synchronize the bank card surface with the successful change result to each bank account number in the selected group; the synchronous invitation represents the synchronous setting of inviting the bank account number to participate in the card surface of the bank card.
In some embodiments, the method further comprises: receiving a message which is sent by a 5G message server and is related to the bank account and the card surface of the bank card; the bank card face is the bank card face which is obtained from the block chain and corresponds to the bank account when the 5G message server receives a message which is sent by a bank and is related to the bank account; and presenting the information related to the bank account by taking the card surface of the bank card as a background image.
In some embodiments, the acquiring a bank account selected by a user and an uploaded image, and sending the acquired bank account and the uploaded image to a 5G message server includes: acquiring a bank account selected by a user, a plurality of images uploaded by the bank account selected by the user, preset time set for the bank account selected by the user and the validity period of a card surface of a bank card; taking the preset time length and the validity period as the card surface setting information of the bank card; sending the card surface setting information of the bank card to a 5G message server; correspondingly, when the bank side changes the card surface of the bank card, selecting one image from a plurality of images corresponding to the bank account at intervals of the preset time as the card surface of the bank account, and setting the card surface of the bank account as a default card surface after the card surface is valid.
A third aspect of the present specification provides a method for setting a card surface of a bank card based on a block chain, including: receiving first biological characteristic information and a card surface setting request sent by a 5G message client, wherein the first biological characteristic information is sent by the 5G message client, the first biological characteristic information and the card surface setting request are used as the content of a 5G message, and the 5G message is sent to a 5G message server by adopting a preset mobile phone account; searching an identity card number and second biological characteristic information corresponding to the preset mobile phone account from a local database, and verifying whether the first biological characteristic information is matched with the second biological characteristic information; under the condition of matching, searching a bank account corresponding to the identity card number from the block chain, sending the bank account to the 5G message client, so that the 5G message client can acquire the bank account and the uploaded image selected by the user and send the bank account and the uploaded image to the 5G message server; sending the bank account selected by the user and the uploaded image to a compliance server for compliance check; receiving a regulatory inspection result, and if the regulatory inspection result meets the regulatory requirement, sending a signature prompt to the 5G message client to prompt a user to provide an electronic signature; sending the card surface setting information of the bank card sent by the preset mobile phone account to an associated bank side so that the bank side can change the card surface of the bank card; the bank card surface setting information comprises an electronic signature, an image and a bank account number; and receiving the change result sent by the bank side, sending the change result to the 5G message client, and synchronizing the change result to the block chain.
In some embodiments, after receiving the change result sent by the bank side, the method further includes: searching a bank account number associated with the preset mobile phone account number and a group where the associated bank account number is located from the block chain under the condition that the change result is successful; under the condition that the group exists, sending a synchronous prompt to the 5G message client, so that the 5G message client receives the confirmation information of the user and the selected group and sends the confirmation information and the selected group to the 5G message server; the confirmation information indicates that the user determines to synchronize the bank card surface with the successful change result to each bank account number in the selected group; the synchronous prompt is used for reminding the user that the card surface of the bank card with the changed result being successful can be synchronized to each bank account number in the group; receiving confirmation information of the user and the selected group sent by the 5G message client; sending synchronous invitation to each bank account in the selected group, wherein the synchronous invitation indicates that the bank account is invited to participate in synchronous setting of a card surface of a bank card; and receiving the reply of the client of each bank account in the group to the synchronous invitation, and if the reply is synchronous and an electronic signature is provided, sending the bank account corresponding to the reply, the electronic signature and the image sent by the preset mobile phone account to the bank side so that the bank side can change the card surface of the bank card.
In some embodiments, the method further comprises: when receiving a message which is sent by a bank and is related to a bank account, acquiring a bank card surface corresponding to the bank account from a block chain; and sending the information related to the bank account and the card surface of the bank card to a 5G information client, so that the 5G information client presents the information related to the bank account by taking the card surface of the bank card as a background image.
In some embodiments, before receiving the first biometric information and the card surface setting request sent by the 5G message client, the method further includes: after balance change information of a user bank account is acquired from a block chain, whether the changed amount reaches a preset value or not is judged, and if the changed amount reaches the preset value, a mobile phone account corresponding to the bank account of which the changed amount reaches the preset value is acquired; and sending a setting notice to the mobile phone account to remind a user that the bank account with the variable amount reaching a preset value obtains a chance of setting the card surface of the bank card.
This specification fourth aspect provides a bank card face sets up device based on block chain, includes: the system comprises a first sending unit, a 5G message server and a 5G message client, wherein the first sending unit is used for collecting first biological characteristic information of a user, taking the first biological characteristic information and a card surface setting request as the content of a 5G message, sending the 5G message to the 5G message server by adopting a preset mobile phone account number, searching an identity card number and second biological characteristic information corresponding to the preset mobile phone account number from a local database by the 5G message server, verifying whether the first biological characteristic information is matched with the second biological characteristic information, searching a bank account number corresponding to the identity card number from a block chain under the condition of matching, and sending the bank account number to the 5G message client; the second sending unit is used for acquiring the bank account number selected by the user and the uploaded image, sending the bank account number selected by the user and the uploaded image to the 5G message server, sending the bank account number selected by the user and the uploaded image to the compliance server by the 5G message server for compliance check, receiving a compliance check result, and sending a signature prompt to the 5G message client to prompt the user to provide an electronic signature if the compliance is met; the third sending unit is used for receiving and responding to the signature prompt, acquiring the electronic signature of the user, and sending the electronic signature to the 5G message server, so that the 5G message server sends the bank card surface setting information sent by the preset mobile phone account to the associated bank side, and the bank side can change the bank card surface conveniently; the bank card surface setting information comprises an electronic signature, an image and a bank account number; and the first receiving unit is used for receiving the change result sent by the cashier side through the 5G message server.
In some embodiments, the apparatus further comprises: the second receiving unit is used for receiving the group and the synchronous reminder sent by the 5G message server: the group is a group in which the bank account number associated with the preset mobile phone account number and the associated bank account number are located, which are searched by the 5G message server from the block chain under the condition that the change result is successful; the synchronous reminding is sent to the 5G message client under the condition that the group exists, and is used for reminding the user that the card surface of the bank card with the changed result as success can be synchronized to each bank account number in the group; the fourth sending unit is used for receiving the confirmation information of the user and the selected group, sending the confirmation information of the user and the selected group to the 5G message server, sending a synchronous invitation to each bank account in the selected group by the 5G message server, receiving a reply of a client of each bank account to the synchronous invitation, and if the reply is synchronous and an electronic signature is provided, sending the image sent by the bank account, the electronic signature and the preset mobile phone account corresponding to the reply to the bank side by the 5G message server so that the bank side can change the bank card; the confirmation information indicates that the user determines to synchronize the bank card surface with the successful change result to each bank account number in the selected group; the synchronous invitation represents the synchronous setting of inviting the bank account number to participate in the card surface of the bank card.
In some embodiments, the apparatus further comprises: the third receiving unit is used for receiving the information related to the bank account and the card surface of the bank card, which are sent by the 5G message server; the bank card face is the bank card face which is obtained from the block chain and corresponds to the bank account when the 5G message server receives a message which is sent by a bank and is related to the bank account; and the presentation unit is used for presenting the information related to the bank account by taking the card surface of the bank card as a background image.
In some embodiments, the second transmitting unit comprises: the acquisition subunit is used for acquiring the bank account selected by the user, a plurality of images uploaded by the bank account selected by the user, the preset time set for the bank account selected by the user and the validity period of the card surface of the bank card; taking the preset time length and the validity period as the card surface setting information of the bank card; the sending subunit is used for sending the card surface setting information of the bank card to a 5G message server; correspondingly, when the bank side changes the card surface of the bank card, selecting one image from a plurality of images corresponding to the bank account at intervals of the preset time as the card surface of the bank account, and setting the card surface of the bank account as a default card surface after the card surface is valid.
A fifth aspect of the present specification provides a device for setting a card surface of a bank card based on a block chain, including: a fourth receiving unit, configured to receive first biometric information and a card surface setting request sent by a 5G message client, where the first biometric information is sent by the 5G message client, and the first biometric information and the card surface setting request are contents of a 5G message, and send the 5G message to a 5G message server by using a preset mobile phone account; the verification unit is used for searching the identity card number and the second biological characteristic information corresponding to the preset mobile phone account from a local database and verifying whether the first biological characteristic information is matched with the second biological characteristic information; a fifth sending unit, configured to search a bank account corresponding to the identification number from the block chain under the matching condition, and send the bank account to the 5G message client, so that the 5G message client obtains the bank account and the uploaded image selected by the user and sends the bank account and the uploaded image to the 5G message server; the sixth sending unit is used for sending the bank account selected by the user and the uploaded image to the compliance server for compliance check; a seventh sending unit, configured to receive the compliance check result, and if the compliance is met, send a signature reminder to the 5G message client to remind the user of providing an electronic signature; the eighth sending unit is used for sending the card surface setting information of the bank card sent by the preset mobile phone account to the associated bank side so that the bank side can change the card surface of the bank card conveniently; the bank card surface setting information comprises an electronic signature, an image and a bank account number; and the ninth sending unit is used for receiving the change result sent by the cashier side, sending the change result to the 5G message client, and synchronizing the change result to the block chain.
In some embodiments, the apparatus further comprises: the searching unit is used for searching the bank account number related to the preset mobile phone account number and the group of the related bank account number from the block chain under the condition that the changing result is successful; a tenth sending unit, configured to send a synchronization reminder to the 5G message client when the group exists, so that the 5G message client receives the confirmation information of the user and the selected group, and sends the confirmation information and the selected group to the 5G message server; the confirmation information indicates that the user determines to synchronize the bank card surface with the successful change result to each bank account number in the selected group; the synchronous prompt is used for reminding the user that the card surface of the bank card with the changed result being successful can be synchronized to each bank account number in the group; the fifth receiving unit is used for receiving the confirmation information of the user and the selected group sent by the 5G message client; an eleventh sending unit, configured to send a synchronous invitation to each bank account in the selected group, where the synchronous invitation indicates that the bank account is invited to participate in synchronous setting of a card surface of a bank card; and the twelfth sending unit is used for receiving the reply of the client side of each bank account in the group to the synchronous invitation, and if the reply is synchronous and an electronic signature is provided, sending the bank account corresponding to the reply, the electronic signature and the image sent by the preset mobile phone account number to the bank side so that the bank side can change the card surface of the bank card.
In some embodiments, the apparatus further comprises: the system comprises a first acquisition unit, a second acquisition unit and a third acquisition unit, wherein the first acquisition unit is used for acquiring a bank card surface corresponding to a bank account from a block chain when receiving a message which is sent by a bank and is related to the bank account; and the thirteenth sending unit is used for sending the information related to the bank account and the card surface of the bank card to a 5G message client, so that the 5G message client presents the information related to the bank account by taking the card surface of the bank card as a background image.
In some embodiments, the apparatus further comprises: the second obtaining unit is used for judging whether the changed amount reaches a preset value or not after balance change information of the bank account of the user is obtained from the block chain, and obtaining a mobile phone account corresponding to the bank account of which the changed amount reaches the preset value under the condition of reaching the preset value; and the notification unit is used for sending a setting notification to the mobile account so as to remind a user that the bank account with the variable amount reaching a preset value obtains a chance of setting the card surface of the bank card.
A sixth aspect of the present specification provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor executes the computer program to implement the bank card surface setting method based on the block chain.
A seventh aspect of the present specification provides a computer-readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the computer program implements the bank card face setting method based on a blockchain.
An eighth aspect of the present specification provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the computer program implements the above bank card face setting method based on the blockchain.
According to the bank card surface setting method and device based on the block chain, the first biological characteristic information and the card surface setting request of the user are sent to the 5G message server through the 5G message and the preset mobile phone account number, the user does not need to input content, the probability that the bank account information is stolen by others is reduced, and the security of the bank account is improved; the 5G message server of the mobile operator determines the identity card number of the user according to the corresponding relation between the mobile phone account and the identity card number acquired by the mobile operator, searches the bank account of the user from the block chain according to the identity card number, and sends the information to the bank side to change the bank card surface after acquiring the user information for setting the compliance of the bank card surface, so that the data interaction with the bank is less, and the workload and the attacked risk of the bank server are reduced.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 illustrates an application scenario diagram of a bank card face setting method based on a block chain provided in this specification;
fig. 2 is a flowchart illustrating a method of a bank card face setting method based on a block chain provided in the present specification;
FIG. 3 shows a schematic diagram of a 5G message client presenting a bank account message with a bank card face as a background image;
fig. 4 shows another schematic diagram of a 5G messaging client presenting a bank account message with the bank card face as a background image;
fig. 5 shows a schematic block diagram of a bank card face setting device based on a block chain provided in the present specification.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The specification provides a bank card surface setting method based on a block chain, and fig. 1 shows an application scene schematic diagram of the method. As shown in fig. 2, the method comprises the steps of:
s10: the 5G message client acquires first biological characteristic information of a user, uses the first biological characteristic information and the card surface setting request as the content of the 5G message, and sends the 5G message to the 5G message server by adopting a preset mobile phone account.
And sending the 5G message to the 5G message client by adopting a preset mobile phone account, namely sending a card surface setting request and first biological characteristic information to a 5G message server through the 5G message.
The 5G message is the upgrade of the short message service, is a basic telecommunication service of an operator, realizes the leap of service experience based on the IP technology, and has more supported media formats and richer expression forms. The 5G message can bear characters, pictures, audio, video, multimedia content forms such as positions and cards, also supports search, menu options and online payment, and has interaction capabilities such as man-machine conversation and webpage skipping. The content transmitted between the 5G message client and the 5G message server adopts 5G messages.
The first biological characteristic information may be a face image or characteristic information of the face image, a fingerprint image or characteristic information of the fingerprint image, an iris image or characteristic information of the iris image, and the like.
In some embodiments, the card face setting request may be initiated by the user actively operating the 5G message client when needed.
In some embodiments, the user can obtain the opportunity to change the card surface of the bank card only when the account balance of the user changes greatly, so that the opportunity to change the card surface of the bank card is used as a reward for a large-amount consumption or deposit behavior, the user experience is improved, and more large-amount consumption or storage is promoted.
Then, prior to step S10, the bank side or the consuming merchant may synchronize balance change information of the user' S bank account to the blockchain, where the balance change information includes the changed amount (consumption amount or deposit amount). After the 5G message server acquires balance change information of the bank account of the user from the blockchain, whether the changed amount reaches a preset value or not can be judged, if so, a mobile phone account corresponding to the bank account with the changed amount reaching the preset value is acquired (from the blockchain or from a database of the 5G message server), and a setting notice is sent to the mobile phone account and used for reminding the bank account with the changed amount reaching the preset value of the user to obtain a chance of setting a card surface of a bank card.
The user may respond to the setting reminder and initiate a card surface setting request, and specifically, after the 5G message client receives the setting reminder, the user clicks the setting reminder to trigger sending of the card surface setting request.
S20: and the 5G message server searches the identity card number and the second biological characteristic information corresponding to the preset mobile phone account number from a local database and verifies whether the first biological characteristic information is matched with the second biological characteristic information.
The local database here refers to a database on the 5G message server side. The 5G message server is generally a server of a mobile communication carrier, and the mobile communication carrier generally collects an identity card number and facial biometric information (e.g., a facial image or facial feature information) of a user in order to maintain mobile phone account information of the user. According to the scheme, the user identity authentication is performed by using the user information collected by the mobile communication operator instead of the user information collected by the bank side, so that the opportunity of disclosing bank data is reduced, and the security of the bank data is improved.
S30: and under the condition of matching, searching a bank account corresponding to the identity card number from the block chain, and sending the bank account to the 5G message client.
According to the scheme, the bank account number of the user is searched from the block chain by utilizing the user information query collected by the mobile communication operator, on one hand, the bank data disclosure opportunity is reduced, and the bank data security is improved, on the other hand, the user information input by the user through the 5G message client is reduced, the user information stealing opportunity is reduced, and the user information security is improved.
S40: and the 5G message client acquires the bank account number selected by the user and the uploaded image and sends the bank account number and the uploaded image to the 5G message server.
The image may be a picture, or may be a short video or a moving picture.
In some embodiments, the 5G message server obtains a bank account selected by the user and the uploaded image, may select one bank account, and may select multiple bank accounts.
Under the condition that a plurality of bank accounts are selected, images can be uploaded for each bank account, and the validity period of the card surface of the bank card can be set. One image can be uploaded for one bank account, multiple images can be uploaded for one bank account, preset time is set for the bank account, and the preset time is used as the preset time of the multiple images of the bank account. The preset time length refers to how often a picture is replaced as a new bank card surface. The predetermined time and the validity period of the card surface of the bank card can be used as part of the card surface setting information of the bank card.
Correspondingly, the bank card surface is changed on the bank card, and the method specifically comprises the following steps: and selecting one image from the plurality of images corresponding to the bank account as the card surface of the bank account every preset time, and setting the card surface of the bank account as a default card surface after the card surface is valid.
S50: and the 5G message server sends the bank account selected by the user and the uploaded image to a compliance server for compliance check.
S60: and the 5G message server receives the compliance check result, and if the compliance is met, a signature prompt is sent to the 5G message client side to prompt the user to provide the electronic signature.
S70: the 5G message server sends the card surface setting information of the bank card sent by the preset mobile phone account to the associated bank side so that the bank side can change the card surface of the bank card; the bank card surface setting information comprises an electronic signature, an image and a bank account number.
S70 is that after receiving the electronic signature sent by the preset mobile phone account, the method collects the bank account, the image used for setting the card surface of the bank card, and the electronic signature sent by the preset mobile phone account within a predetermined time (for example, three days), and sends these pieces of information to the bank side as the setting information of the card surface of the bank card.
The bank side sets up the electronic card face of information change bank account according to the bank card face, changes APP promptly and the card face picture that shows in the webpage, and when the user logs in APP or webpage, the card face that sees is the card face after the renewal.
S80: and the 5G message server receives the change result sent by the cash register side, sends the change result to the 5G message client, and synchronizes the change result to the block chain.
In some embodiments, the change result of the electronic card surface is synchronized to the blockchain, and the electronic card surface can be used for searching the latest electronic card surface from the blockchain and presenting the information of the bank account by using the electronic card surface as a background picture when receiving the information of the bank account sent by the bank.
For example, when receiving a message which is sent by a bank and is related to a bank account, the 5G message server obtains a bank card face corresponding to the bank account from the block chain; sending the information related to the bank account and the card surface of the bank card to a 5G information client; and the 5G message client presents the message of the associated bank account by taking the card surface of the bank card as a background image. Fig. 3 and 4 show two schematic diagrams of a 5G message client presenting a bank account message with a bank card face as a background image.
In some embodiments, a first card surface may be further set for balance reduction, a second card surface may be set for balance increase, and accordingly, when receiving a message sent by a bank and associated with a bank account, the 5G message server may determine whether the balance is reduced or increased according to keywords (e.g., income and expense) in the message content, and in a case that the balance is reduced, acquire the first card surface as a card surface of a bank card corresponding to the bank account, for example, as shown in fig. 3; and acquiring a second card surface as a bank card surface corresponding to the bank account under the condition that the balance is increased, for example, as shown in fig. 4. Then, the electronic card surface displayed at the 5G message client corresponds to the balance increase or decrease, and the user can distinguish whether the balance is increased or decreased according to the electronic card surface without mistaking the balance.
In some embodiments, after the 5G message server receives the change result sent by the bank side, the 5G message server may also search, from the block chain, a bank account associated with the preset mobile account and a group in which the associated bank account is located when the change result is successful; sending a synchronous prompt to the 5G message client under the condition that the group exists, wherein the synchronous prompt is used for prompting a user that the successfully changed bank card surface can be synchronized to each bank account number in the group; the 5G message client receives confirmation information of the user and the selected group, wherein the confirmation information indicates that the user determines to synchronize the bank card surface of which the change result is successful to each bank account number in the selected group; and the 5G message server receives the reply of the client of each bank account in the group to the synchronous invitation, and if the reply is synchronous and an electronic signature is provided, the 5G message server sends the bank account corresponding to the reply, the electronic signature and the image sent by the preset mobile phone account to the bank side so that the bank side can change the card surface of the bank card, and after the change is successful, the change result is synchronized to the block chain.
According to the bank card face setting method, after the card face of one bank account is successfully set, the successfully set card face can be synchronized to each bank account in a group where the bank account is located, and under the condition that a higher consumption or deposit requirement is needed to obtain the bank card face setting opportunity, the bank card face setting is synchronized to the bank accounts in the group, so that the viscosity between users corresponding to the bank accounts in the group can be increased.
According to the bank card face setting method based on the block chain, the first biological characteristic information and the card face setting request of the user are sent to the 5G message server through the 5G message and the preset mobile phone account number, the user does not need to input content, the probability that the bank account information is stolen by others is reduced, and the security of the bank account is improved; the 5G message server of the mobile operator determines the identity card number of the user according to the corresponding relation between the mobile phone account and the identity card number acquired by the mobile operator, searches the bank account of the user from the block chain according to the identity card number, and sends the information to the bank side to change the bank card surface after acquiring the user information for setting the compliance of the bank card surface, so that the data interaction with the bank is less, and the workload and the attacked risk of the bank server are reduced.
Based on the embodiment shown in fig. 2, the present specification provides a bank card face setting method based on a block chain from the perspective of a 5G message client, where the method includes the following steps:
s510: the method comprises the steps of collecting first biological characteristic information of a user, taking the first biological characteristic information and a card surface setting request as the content of a 5G message, sending the 5G message to a 5G message server by adopting a preset mobile phone account number, enabling the 5G message server to search an identity card number and second biological characteristic information corresponding to the preset mobile phone account number from a local database, verifying whether the first biological characteristic information is matched with the second biological characteristic information or not, searching a bank account number corresponding to the identity card number from a block chain under the condition of matching, and sending the bank account number to a 5G message client.
S520: the method comprises the steps of obtaining a bank account number selected by a user and an uploaded image, sending the bank account number and the uploaded image to a 5G message server, sending the bank account number selected by the user and the uploaded image to a compliance server by the 5G message server for compliance check, receiving a compliance check result, and sending a signature prompt to a 5G message client terminal if compliance is met so as to prompt the user to provide an electronic signature.
S530: receiving and responding to the signature prompt, acquiring an electronic signature of the user, and sending the electronic signature to a 5G message server, so that the 5G message server sends the bank card surface setting information sent by the preset mobile phone account to an associated bank side, and the bank side can change the bank card surface; the bank card surface setting information comprises an electronic signature, an image and a bank account number;
s540: and receiving a change result sent by the cashier side through the 5G message server.
In some embodiments, after the 5G message server receives the change result sent by the bank side, the method further includes: receiving the group and synchronous prompt sent by the 5G message server: the group is a group in which the bank account number associated with the preset mobile phone account number and the associated bank account number are located, which are searched by the 5G message server from the block chain under the condition that the change result is successful; the synchronous reminding is sent to the 5G message client under the condition that the group exists, and is used for reminding the user that the card surface of the bank card with the changed result as success can be synchronized to each bank account number in the group; receiving confirmation information of a user and a selected group, sending the confirmation information of the user and the selected group to a 5G message server, so that the 5G message server sends a synchronous invitation to each bank account in the selected group, receiving a reply of a client of each bank account to the synchronous invitation, and if the reply is synchronous and an electronic signature is provided, sending an image sent by the bank account, the electronic signature and the preset mobile phone account corresponding to the reply to a bank side by the 5G message server so that the bank side can change a bank card; the confirmation information indicates that the user determines to synchronize the bank card surface with the successful change result to each bank account number in the selected group; the synchronous invitation represents the synchronous setting of inviting the bank account number to participate in the card surface of the bank card.
In some embodiments, the method further comprises: receiving a message which is sent by a 5G message server and is related to the bank account and the card surface of the bank card; the bank card face is the bank card face which is obtained from the block chain and corresponds to the bank account when the 5G message server receives a message which is sent by a bank and is related to the bank account; and presenting the information related to the bank account by taking the card surface of the bank card as a background image.
In some embodiments, the acquiring a bank account number selected by a user and an uploaded image, and sending the bank account number and the uploaded image to a 5G message server includes: acquiring a bank account selected by a user, a plurality of images uploaded by the bank account selected by the user, preset time set for the bank account selected by the user and the validity period of the card surface of a bank card; the preset duration and the validity period are used as the card surface setting information of the bank card; sending the card surface setting information of the bank card to a 5G message server; correspondingly, when the bank side changes the card surface of the bank card, selecting one image from a plurality of images corresponding to the bank account at intervals of the preset time as the card surface of the bank account, and setting the card surface of the bank account as a default card surface after the card surface is valid.
Based on the embodiment shown in fig. 2, the present specification provides a bank card face setting method based on a block chain from the perspective of a 5G message client, where the method includes the following steps:
s610: receiving first biological characteristic information and a card surface setting request sent by a 5G message client, wherein the first biological characteristic information is sent by the 5G message client, the first biological characteristic information and the card surface setting request are used as the content of the 5G message, and the 5G message is sent to a 5G message server by adopting a preset mobile phone account.
S620: and searching the identity card number and the second biological characteristic information corresponding to the preset mobile phone account number from a local database, and verifying whether the first biological characteristic information is matched with the second biological characteristic information.
S630: and under the condition of matching, searching a bank account corresponding to the identity card number from the block chain, and sending the bank account to the 5G message client, so that the 5G message client acquires the bank account selected by the user and the uploaded image and sends the bank account and the uploaded image to the 5G message server.
S640: and sending the bank account selected by the user and the uploaded image to a compliance server for compliance check.
S650: and receiving the compliance check result, and if the compliance is met, sending a signature prompt to the 5G message client to prompt the user to provide the electronic signature.
S660: sending the card surface setting information of the bank card sent by the preset mobile phone account to an associated bank side so that the bank side can change the card surface of the bank card; the bank card surface setting information comprises an electronic signature, an image and a bank account number.
S670: and receiving the change result sent by the bank side, sending the change result to the 5G message client, and synchronizing the change result to the block chain.
In some embodiments, after receiving the change result sent by the bank side, the method further includes: searching a bank account number associated with the preset mobile phone account number and a group where the associated bank account number is located from the block chain under the condition that the change result is successful; under the condition that the group exists, sending a synchronous prompt to the 5G message client, so that the 5G message client receives the confirmation information of the user and the selected group and sends the confirmation information and the selected group to the 5G message server; the confirmation information indicates that the user determines to synchronize the bank card surface with the successful change result to each bank account number in the selected group; the synchronous prompt is used for reminding the user that the bank card surface with the changed result as success can be synchronized to each bank account number in the group; receiving confirmation information of the user and the selected group sent by the 5G message client; sending a synchronous invitation to each bank account in the selected group, wherein the synchronous invitation indicates that the bank account is invited to participate in the synchronous setting of the card surface of the bank card; and receiving the reply of the client of each bank account in the group to the synchronous invitation, and if the reply is synchronous and an electronic signature is provided, sending the bank account corresponding to the reply, the electronic signature and the image sent by the preset mobile phone account to the bank side so that the bank side can change the card surface of the bank card.
In some embodiments, the method further comprises: when receiving a message which is sent by a bank and is related to a bank account, acquiring a bank card surface corresponding to the bank account from a block chain; and sending the information related to the bank account and the card surface of the bank card to a 5G information client, so that the 5G information client presents the information related to the bank account by taking the card surface of the bank card as a background image.
In some embodiments, before receiving the first biometric information and the card surface setting request sent by the 5G message client, the method further includes: after balance change information of a user bank account is acquired from a block chain, whether the changed amount reaches a preset value or not is judged, and if the changed amount reaches the preset value, a mobile phone account corresponding to the bank account of which the changed amount reaches the preset value is acquired; and sending a setting notice to the mobile phone account to remind a user that the bank account with the variable amount reaching a preset value obtains a chance of setting the card surface of the bank card.
The present specification provides a bank card face setting device based on a block chain, as shown in fig. 5, including a first sending unit 10, a second sending unit 20, a third sending unit 30, and a first receiving unit 40.
The first sending unit 10 is configured to collect first biometric information of a user, use the first biometric information and a card surface setting request as content of a 5G message, send the 5G message to a 5G message server by using a preset mobile phone account, so that the 5G message server searches for an identity card number and second biometric information corresponding to the preset mobile phone account from a local database, verifies whether the first biometric information is matched with the second biometric information, searches for a bank account corresponding to the identity card number from a block chain in the case of matching, and sends the bank account to a 5G message client; the second sending unit 20 is configured to obtain the bank account and the uploaded image selected by the user, send the bank account and the uploaded image to the 5G message server, so that the 5G message server sends the bank account and the uploaded image selected by the user to the compliance server for compliance check, receive a compliance check result, and send a signature prompt to the 5G message client to prompt the user to provide an electronic signature if compliance is met; the third sending unit 30 is configured to receive and respond to the signature prompt, acquire an electronic signature of the user, and send the electronic signature to the 5G message server, so that the 5G message server sends the bank card surface setting information sent by the preset mobile account to the associated bank side, so that the bank side changes the bank card surface; the bank card surface setting information comprises an electronic signature, an image and a bank account number; the first receiving unit 40 is configured to receive a change result sent by the cashier side through the 5G message server.
In some embodiments, the apparatus further comprises: the second receiving unit is used for receiving the group and the synchronous reminder sent by the 5G message server: the group is a group in which the bank account number associated with the preset mobile phone account number and the associated bank account number are located, which are searched by the 5G message server from the block chain under the condition that the change result is successful; the synchronous reminding is sent to the 5G message client under the condition that the group exists, and is used for reminding the user that the card surface of the bank card with the changed result as success can be synchronized to each bank account number in the group; the fourth sending unit is used for receiving the confirmation information of the user and the selected group, sending the confirmation information of the user and the selected group to the 5G message server, sending a synchronous invitation to each bank account in the selected group by the 5G message server, receiving a reply of a client of each bank account to the synchronous invitation, and if the reply is synchronous and an electronic signature is provided, sending the image sent by the bank account, the electronic signature and the preset mobile phone account corresponding to the reply to the bank side by the 5G message server so that the bank side can change the bank card; the confirmation information indicates that the user determines to synchronize the bank card surface with the successful change result to each bank account number in the selected group; the synchronous invitation represents the synchronous setting of inviting the bank account number to participate in the card surface of the bank card.
In some embodiments, the apparatus further comprises: the third receiving unit is used for receiving the information related to the bank account and the card surface of the bank card, which are sent by the 5G message server; the bank card face is the bank card face which is obtained from the block chain and corresponds to the bank account when the 5G message server receives a message which is sent by a bank and is related to the bank account; and the presentation unit is used for presenting the information related to the bank account by taking the card surface of the bank card as a background image.
In some embodiments, the second transmitting unit comprises: the acquisition subunit is used for acquiring a bank account selected by a user, a plurality of images uploaded by the bank account selected by the user, preset time set for the bank account selected by the user and the validity period of the card surface of the bank card; taking the preset time length and the validity period as the card surface setting information of the bank card; the sending subunit is used for sending the card surface setting information of the bank card to a 5G message server; correspondingly, when the bank side changes the card surface of the bank card, selecting one image from a plurality of images corresponding to the bank account at intervals of the preset time as the card surface of the bank account, and setting the card surface of the bank account as a default card surface after the card surface is valid.
This specification provides a bank card face sets up device based on block chain, includes: a fourth receiving unit, configured to receive first biometric information and a card surface setting request sent by a 5G message client, where the first biometric information is sent by the 5G message client, and the first biometric information and the card surface setting request are contents of a 5G message, and send the 5G message to a 5G message server by using a preset mobile phone account; the verification unit is used for searching the identity card number and the second biological characteristic information corresponding to the preset mobile phone account from a local database and verifying whether the first biological characteristic information is matched with the second biological characteristic information; the fifth sending unit is used for searching a bank account corresponding to the identity card number from the block chain under the matching condition, sending the bank account to the 5G message client, obtaining the bank account selected by the user and the uploaded image by the 5G message client, and sending the bank account and the uploaded image to the 5G message server; the sixth sending unit is used for sending the bank account selected by the user and the uploaded image to the compliance server for compliance check; a seventh sending unit, configured to receive the compliance check result, and if the compliance is met, send a signature reminder to the 5G message client to remind the user of providing an electronic signature; the eighth sending unit is used for sending the card surface setting information of the bank card sent by the preset mobile phone account to the associated bank side so that the bank side can change the card surface of the bank card conveniently; the bank card surface setting information comprises an electronic signature, an image and a bank account number; and the ninth sending unit is used for receiving the change result sent by the cashier side, sending the change result to the 5G message client and synchronizing the change result to the block chain.
In some embodiments, the apparatus further comprises: the searching unit is used for searching the bank account number related to the preset mobile phone account number and the group where the related bank account number is located from the block chain under the condition that the changing result is successful; a tenth sending unit, configured to send a synchronization reminder to the 5G message client when the group exists, so that the 5G message client receives the confirmation information of the user and the selected group and sends the confirmation information and the selected group to the 5G message server; the confirmation information indicates that the user determines to synchronize the bank card surface with a successful change result to each bank account number in the selected group; the synchronous prompt is used for reminding the user that the card surface of the bank card with the changed result being successful can be synchronized to each bank account number in the group; the fifth receiving unit is used for receiving the confirmation information of the user and the selected group sent by the 5G message client; an eleventh sending unit, configured to send a synchronization invitation to each bank account in the selected group, where the synchronization invitation indicates that the bank account is invited to participate in a synchronization setting of a card surface of a bank card; and the twelfth sending unit is used for receiving the reply of the client side of each bank account in the group to the synchronous invitation, and if the reply is synchronous and an electronic signature is provided, sending the bank account corresponding to the reply, the electronic signature and the image sent by the preset mobile phone account number to the bank side so that the bank side can change the card surface of the bank card.
In some embodiments, the apparatus further comprises: the system comprises a first acquisition unit, a second acquisition unit and a third acquisition unit, wherein the first acquisition unit is used for acquiring a bank card surface corresponding to a bank account from a block chain when receiving a message which is sent by a bank and is related to the bank account; and the thirteenth sending unit is used for sending the information related to the bank account and the card surface of the bank card to a 5G message client, so that the 5G message client presents the information related to the bank account by taking the card surface of the bank card as a background image.
In some embodiments, the apparatus further comprises: the second obtaining unit is used for judging whether the changed amount reaches a preset value or not after balance change information of the bank account of the user is obtained from the block chain, and obtaining a mobile phone account corresponding to the bank account of which the changed amount reaches the preset value under the condition of reaching the preset value; and the notification unit is used for sending a setting notification to the mobile phone account so as to remind a user that the bank account with the variable amount reaching a preset value obtains a chance of setting the card surface of the bank card.
For the description and the beneficial effects of the device for setting the card surface of the bank card based on the block chain, please refer to the description and the beneficial effects of the corresponding method part, which is not described again.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the computer program to realize the bank card surface setting method based on the block chain.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the bank card surface setting method based on the block chain is realized.
The embodiment of the invention also provides a computer program product, which comprises a computer program, and when the computer program is executed by a processor, the bank card surface setting method based on the block chain is realized.
"the data acquisition, storage, use, processing and the like in the technical scheme of the application all conform to the relevant regulations of national laws and regulations".
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention has been described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (18)

1. A bank card surface setting method based on a block chain is characterized by comprising the following steps:
the method comprises the steps that a 5G message client acquires first biological characteristic information of a user, the first biological characteristic information and a card surface setting request are used as the content of a 5G message, and the 5G message is sent to a 5G message server by adopting a preset mobile phone account;
the 5G message server searches the identity card number and the second biological characteristic information corresponding to the preset mobile phone account from a local database and verifies whether the first biological characteristic information is matched with the second biological characteristic information;
under the condition of matching, searching a bank account corresponding to the identity card number from the block chain, and sending the bank account to the 5G message client;
the 5G message client acquires the bank account number selected by the user and the uploaded image and sends the bank account number and the uploaded image to the 5G message server;
the 5G message server sends the bank account selected by the user and the uploaded image to a compliance server for compliance check;
the 5G message server receives the regularity checking result, and if the regularity checking result meets the regularity checking result, a signature prompt is sent to the 5G message client side to prompt a user to provide an electronic signature;
the 5G message server sends the card surface setting information of the bank card sent by the preset mobile phone account to the associated bank side so that the bank side can change the card surface of the bank card conveniently; the bank card surface setting information comprises an electronic signature, an image and a bank account number;
and the 5G message server receives the change result sent by the cash register side, sends the change result to the 5G message client, and synchronizes the change result to the block chain.
2. The method of claim 1, wherein after the 5G message server receives the modification result sent by the cash bank side, further comprising:
under the condition that the change result is successful, the 5G message server searches the bank account number related to the preset mobile phone account number and the group where the related bank account number is located from the block chain;
sending a synchronous prompt to a 5G message client under the condition that the group exists, wherein the synchronous prompt is used for prompting a user that the card surface of the bank card with the changed result as success can be synchronized to each bank account number in the group;
the 5G message client receives confirmation information of the user and the selected group, wherein the confirmation information indicates that the user determines to synchronize the bank card surface with the changed result as the success to each bank account number in the selected group;
the 5G message server sends synchronous invitations to all the bank accounts in the selected group, wherein the synchronous invitations represent synchronous settings for inviting the bank accounts to participate in the card surfaces of the bank cards;
and the 5G message server receives the reply of the client of each bank account in the group to the synchronous invitation, and if the reply is synchronous and an electronic signature is provided, the 5G message server sends the bank account corresponding to the reply, the electronic signature and the image sent by the preset mobile phone account to the bank side so that the bank side can change the card surface of the bank card.
3. The method of claim 1, further comprising:
the method comprises the steps that when a 5G message server receives a message which is sent by a bank and is related to a bank account, a bank card surface corresponding to the bank account is obtained from a block chain;
sending the information related to the bank account and the card surface of the bank card to a 5G information client;
and the 5G message client presents the message related to the bank account by taking the card surface of the bank card as a background image.
4. The method according to claim 1, wherein the 5G message client acquires the bank account number selected by the user and the uploaded image, and sends the acquired image to the 5G message server, and the method comprises the following steps:
the 5G message client acquires a bank account selected by a user, a plurality of images uploaded by the bank account selected by the user, preset time set for the bank account selected by the user and the validity period of a card surface of a bank card; taking the preset time length and the validity period as the card surface setting information of the bank card;
sending the card surface setting information of the bank card to a 5G message server;
correspondingly, the bank side changes the bank card face, includes: and selecting one image from a plurality of images corresponding to the bank account as the card surface of the bank account every other preset time, and setting the card surface of the bank account as a default card surface after the card surface is valid.
5. The method according to claim 1, wherein before collecting first biometric information of a user at a 5G message client and using the first biometric information and a card surface setting request as contents of a 5G message and sending the 5G message to a 5G message server by using a preset mobile phone account, the method further comprises:
the 5G message server judges whether the changed amount reaches a preset value or not after acquiring balance change information of the bank account of the user from the block chain, and acquires a mobile phone account corresponding to the bank account of which the changed amount reaches the preset value under the condition of reaching the preset value;
and sending a setting notice to the mobile phone account to remind a user that the bank account with the variable amount reaching a preset value obtains a chance of setting the card surface of the bank card.
6. A bank card surface setting method based on a block chain is characterized by comprising the following steps:
acquiring first biological characteristic information of a user, taking the first biological characteristic information and a card surface setting request as the content of a 5G message, sending the 5G message to a 5G message server by adopting a preset mobile phone account number, so that the 5G message server searches an identity card number and second biological characteristic information corresponding to the preset mobile phone account number from a local database, verifies whether the first biological characteristic information is matched with the second biological characteristic information, searches a bank account number corresponding to the identity card number from a block chain under the matching condition and sends the bank account number to a 5G message client;
the method comprises the steps that a bank account selected by a user and an uploaded image are obtained and sent to a 5G message server, so that the 5G message server sends the bank account selected by the user and the uploaded image to a compliance server for compliance check, receives a compliance check result, and sends a signature prompt to a 5G message client end to prompt the user to provide an electronic signature if compliance is met;
receiving and responding to the signature prompt, acquiring an electronic signature of the user, and sending the electronic signature to a 5G message server, so that the 5G message server sends the bank card surface setting information sent by the preset mobile phone account to an associated bank side, and the bank side can change the bank card surface; the bank card surface setting information comprises an electronic signature, an image and a bank account number;
and receiving a change result sent by the cashier side through the 5G message server.
7. The method of claim 6, wherein after the 5G message server receives the modification result sent by the cashier side, the method further comprises:
receiving a group and synchronous prompt sent by a 5G message server: the group is a group in which the bank account number associated with the preset mobile phone account number and the associated bank account number are located, which are searched by the 5G message server from the block chain under the condition that the change result is successful; the synchronous reminding is sent to the 5G message client under the condition that the group exists, and is used for reminding the user that the card surface of the bank card with the changed result as success can be synchronized to each bank account number in the group;
receiving confirmation information of a user and a selected group, sending the confirmation information of the user and the selected group to a 5G message server, so that the 5G message server sends a synchronous invitation to each bank account in the selected group, receiving a reply of a client of each bank account to the synchronous invitation, and if the reply is synchronous and an electronic signature is provided, sending an image sent by the bank account, the electronic signature and the preset mobile phone account corresponding to the reply to a bank side by the 5G message server so that the bank side can change a bank card; the confirmation information indicates that the user determines to synchronize the bank card surface with a successful change result to each bank account number in the selected group; the synchronous invitation represents the synchronous setting of inviting the bank account number to participate in the card surface of the bank card.
8. The method of claim 6, further comprising:
receiving a message which is sent by a 5G message server and is related to the bank account and the card surface of the bank card; the bank card face is the bank card face which is obtained from the block chain and corresponds to the bank account when the 5G message server receives a message which is sent by a bank and is related to the bank account;
and presenting the information related to the bank account by taking the card surface of the bank card as a background image.
9. The method according to claim 6, wherein the step of obtaining the bank account number selected by the user and the uploaded image and sending the obtained image to the 5G message server comprises the following steps:
acquiring a bank account selected by a user, a plurality of images uploaded by the bank account selected by the user, preset time set for the bank account selected by the user and the validity period of a card surface of a bank card; taking the preset time length and the validity period as the card surface setting information of the bank card;
sending the card surface setting information of the bank card to a 5G message server;
correspondingly, when the bank side changes the card surface of the bank card, selecting one image from a plurality of images corresponding to the bank account at intervals of the preset time as the card surface of the bank account, and setting the card surface of the bank account as a default card surface after the card surface is valid.
10. A bank card surface setting method based on a block chain is characterized by comprising the following steps:
receiving first biological characteristic information and a card surface setting request sent by a 5G message client, wherein the first biological characteristic information is sent by the 5G message client, the first biological characteristic information and the card surface setting request are used as the content of a 5G message, and the 5G message is sent to a 5G message server by adopting a preset mobile phone account;
searching an identity card number and second biological characteristic information corresponding to the preset mobile phone account from a local database, and verifying whether the first biological characteristic information is matched with the second biological characteristic information;
under the condition of matching, searching a bank account corresponding to the identity card number from the block chain, sending the bank account to the 5G message client, so that the 5G message client can acquire the bank account and the uploaded image selected by the user and send the bank account and the uploaded image to the 5G message server;
sending the bank account selected by the user and the uploaded image to a compliance server for compliance check;
receiving a regulatory inspection result, and if the regulatory inspection result meets the regulatory requirement, sending a signature prompt to the 5G message client to prompt a user to provide an electronic signature;
sending the card surface setting information of the bank card sent by the preset mobile phone account to an associated bank side so that the bank side can change the card surface of the bank card; the bank card surface setting information comprises an electronic signature, an image and a bank account number;
and receiving the change result sent by the bank side, sending the change result to the 5G message client, and synchronizing the change result to the block chain.
11. The method of claim 10, after receiving the alteration result sent by the bank side, further comprising:
searching a bank account number associated with the preset mobile phone account number and a group of the associated bank account number from the block chain under the condition that the change result is successful;
under the condition that the group exists, sending a synchronous prompt to the 5G message client, so that the 5G message client receives the confirmation information of the user and the selected group and sends the confirmation information and the selected group to the 5G message server; the confirmation information indicates that the user determines to synchronize the bank card surface with the successful change result to each bank account number in the selected group; the synchronous prompt is used for reminding the user that the card surface of the bank card with the changed result being successful can be synchronized to each bank account number in the group;
receiving confirmation information of the user and the selected group sent by the 5G message client;
sending a synchronous invitation to each bank account in the selected group, wherein the synchronous invitation indicates that the bank account is invited to participate in the synchronous setting of the card surface of the bank card;
and receiving the reply of the client of each bank account in the group to the synchronous invitation, and if the reply is synchronous and an electronic signature is provided, sending the bank account corresponding to the reply, the electronic signature and the image sent by the preset mobile phone account to the bank side so that the bank side can change the card surface of the bank card.
12. The method of claim 10, further comprising:
when receiving a message which is sent by a bank and is related to a bank account, acquiring a bank card surface corresponding to the bank account from a block chain;
and sending the information related to the bank account and the card surface of the bank card to a 5G message client, so that the 5G message client presents the information related to the bank account by taking the card surface of the bank card as a background image.
13. The method of claim 9, before receiving the first biometric information and the card-plane setting request sent by the 5G messaging client, further comprising:
after balance change information of a user bank account is acquired from a block chain, whether the changed amount reaches a preset value or not is judged, and if the changed amount reaches the preset value, a mobile phone account corresponding to the bank account of which the changed amount reaches the preset value is acquired;
and sending a setting notice to the mobile phone account to remind a user that the bank account with the variable amount reaching a preset value obtains a chance of setting the card surface of the bank card.
14. The utility model provides a bank card face sets up device based on block chain which characterized in that includes:
the system comprises a first sending unit, a 5G message server and a 5G message client, wherein the first sending unit is used for collecting first biological characteristic information of a user, taking the first biological characteristic information and a card surface setting request as the content of a 5G message, sending the 5G message to the 5G message server by adopting a preset mobile phone account number, searching an identity card number and second biological characteristic information corresponding to the preset mobile phone account number from a local database by the 5G message server, verifying whether the first biological characteristic information is matched with the second biological characteristic information, searching a bank account number corresponding to the identity card number from a block chain under the condition of matching, and sending the bank account number to the 5G message client;
the second sending unit is used for acquiring the bank account number selected by the user and the uploaded image, sending the bank account number selected by the user and the uploaded image to the 5G message server, sending the bank account number selected by the user and the uploaded image to the compliance server by the 5G message server for compliance check, receiving a compliance check result, and sending a signature prompt to the 5G message client to prompt the user to provide an electronic signature if the compliance is met;
the third sending unit is used for receiving and responding to the signature prompt, acquiring the electronic signature of the user, and sending the electronic signature to the 5G message server, so that the 5G message server sends the bank card surface setting information sent by the preset mobile phone account to the associated bank side, and the bank side can change the bank card surface conveniently; the bank card surface setting information comprises an electronic signature, an image and a bank account number;
and the first receiving unit is used for receiving the change result sent by the cashier side through the 5G message server.
15. The utility model provides a bank card face sets up device based on block chain which characterized in that includes:
a fourth receiving unit, configured to receive first biometric information and a card surface setting request sent by a 5G message client, where the first biometric information is sent by the 5G message client, and the first biometric information and the card surface setting request are contents of a 5G message, and send the 5G message to a 5G message server by using a preset mobile phone account;
the verification unit is used for searching the identity card number and the second biological characteristic information corresponding to the preset mobile phone account from a local database and verifying whether the first biological characteristic information is matched with the second biological characteristic information;
a fifth sending unit, configured to search a bank account corresponding to the identification number from the block chain under the matching condition, and send the bank account to the 5G message client, so that the 5G message client obtains the bank account and the uploaded image selected by the user and sends the bank account and the uploaded image to the 5G message server;
the sixth sending unit is used for sending the bank account selected by the user and the uploaded image to the compliance server for compliance check;
a seventh sending unit, configured to receive the compliance check result, and if the compliance is met, send a signature reminder to the 5G message client to remind the user of providing an electronic signature;
the eighth sending unit is used for sending the card surface setting information of the bank card sent by the preset mobile phone account to the associated bank side so that the bank side can change the card surface of the bank card conveniently; the card surface setting information of the bank card comprises an electronic signature, an image and a bank account number;
and the ninth sending unit is used for receiving the change result sent by the cashier side, sending the change result to the 5G message client, and synchronizing the change result to the block chain.
16. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 6 to 13 when executing the computer program.
17. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any one of claims 6 to 13.
18. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 6 to 13.
CN202210609314.6A 2022-05-31 2022-05-31 Bank card surface setting method and device based on block chain Pending CN114943533A (en)

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Application Number Priority Date Filing Date Title
CN202210609314.6A CN114943533A (en) 2022-05-31 2022-05-31 Bank card surface setting method and device based on block chain

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202210609314.6A CN114943533A (en) 2022-05-31 2022-05-31 Bank card surface setting method and device based on block chain

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