CN115293768A - Method, device, server and medium for transaction by using entity card - Google Patents

Method, device, server and medium for transaction by using entity card Download PDF

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Publication number
CN115293768A
CN115293768A CN202210931544.4A CN202210931544A CN115293768A CN 115293768 A CN115293768 A CN 115293768A CN 202210931544 A CN202210931544 A CN 202210931544A CN 115293768 A CN115293768 A CN 115293768A
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card
transaction
card number
bank card
bank
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吕明明
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Bank of China Ltd
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Bank of China Ltd
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Priority to CN202210931544.4A priority Critical patent/CN115293768A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/388—Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-response
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The application discloses a method, a device, a server and a medium for carrying out transaction by using a physical card, which can be applied to the financial field or other fields. Under the condition that a user carries an additional card, if the user needs to use an entity bank card to carry out transaction but does not carry the entity bank card, the bank card number of the bank card and the card number information of the additional card can be bound, and the process of carrying out transaction operation on the additional card is the process of carrying out transaction operation on the bank card.

Description

Method, device, server and medium for transaction by using entity card
Technical Field
The present application relates to the field of financial technologies, and more particularly, to a method, an apparatus, a server, and a medium for performing a transaction using a physical card.
Background
In an application scenario that an entity card is needed to be used for transaction, if the entity card is forgotten to be carried, the transaction operation cannot be carried out, for example, if a user needs to logout the bank card, the user needs to carry the bank card to a bank outlet for logout, and if the user forgets to carry the bank card, the user cannot logout the bank card; if the user needs to use the bank card for payment, the user cannot use the bank card for payment if the user does not carry the bank card.
Disclosure of Invention
In view of the above, the present application provides a method, an apparatus, a server and a medium for performing a transaction by using a physical card.
In order to achieve the above purpose, the present application provides the following technical solutions:
according to a first aspect of embodiments of the present disclosure, there is provided a method of conducting a transaction using a physical card, comprising:
if a transaction request for performing transaction through an entity card is detected, acquiring the card type and card number information of the entity card;
if the card type is an additional card, acquiring a bank card number bound with the card number information;
wherein the add-in card is unable to set up a deposit account;
the transaction request is executed against a bank card having the bank card number.
With reference to the first aspect, in a first possible implementation manner, the method for binding the card number information and the bank card number includes:
determining the bank card number from the bank card number to be bound;
acquiring the acquired identity information;
and if the identity information is the same as the reserved identity information corresponding to the bank card number, determining to bind the bank card number and the card number information.
With reference to the first aspect, in a second possible implementation manner, the determining to bind the bank card number and the card number information if the identity information is the same as reserved identity information corresponding to the bank card number includes:
and if the identity information is the same as the reserved identity information corresponding to the bank card number and the identity information is the same as the reserved identity information corresponding to the additional card, determining to bind the bank card number and the card number information.
With reference to the first aspect, in a third possible implementation manner, the method further includes:
acquiring transaction times corresponding to the bank card number, wherein the transaction times refer to the times of performing transactions through the additional card;
and if the transaction times are less than or equal to the transaction time upper limit corresponding to the bank card number, executing the transaction request step aiming at the bank card with the bank card number.
With reference to the first aspect, in a fourth possible implementation manner, the method further includes:
obtaining a transaction amount from the transaction request;
and if the transaction amount is less than or equal to the upper limit of the transaction amount corresponding to the bank card number, executing the transaction request step aiming at the bank card with the bank card number.
With reference to the first aspect, in a fifth possible implementation manner, the method further includes:
determining a target transaction type carried by the transaction request;
and if the target transaction type belongs to the transaction type authority corresponding to the bank card number, executing the transaction request step aiming at the bank card with the bank card number.
According to a second aspect of embodiments of the present disclosure, there is provided an apparatus for conducting a transaction using a physical card, comprising:
the first acquisition module is used for acquiring the card type and the card number information of the entity card if a transaction request for performing transaction through the entity card is detected;
the second acquisition module is used for acquiring the bank card number bound with the card number information if the card type is an additional card;
wherein the add-in card is unable to set up a deposit account;
and the execution module is used for executing the transaction request aiming at the bank card with the bank card number.
With reference to the second aspect, in a first possible implementation manner, the method further includes:
the first determining module is used for determining the bank card number from the bank card numbers to be bound;
the third acquisition module is used for acquiring the acquired identity information;
and the second determining module is used for determining to bind the bank card number and the card number information if the identity information is the same as the reserved identity information corresponding to the bank card number.
According to a third aspect of the embodiments of the present disclosure, there is provided a server, including:
a processor;
a memory for storing the processor-executable instructions;
wherein the processor is configured to execute the instructions to implement a method of conducting a transaction with a physical card as described in the first aspect.
According to a fourth aspect of embodiments of the present disclosure, there is provided a computer-readable storage medium having instructions which, when executed by a processor of a server, enable the server to perform a method of conducting a transaction using a physical card as described in the first aspect.
According to the technical scheme, under the condition that the user carries the additional card, if the user needs to use the bank card of the entity to carry out transaction but does not carry the bank card of the entity, the bank card number of the bank card and the card number information of the additional card can be bound, and the process of carrying out transaction operation on the additional card is the process of carrying out transaction operation on the bank card.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only the embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a diagram illustrating a first hardware architecture disclosed in an embodiment of the present application;
FIG. 2 is a diagram illustrating a second hardware architecture disclosed in an embodiment of the present application;
FIG. 3 is a flow diagram illustrating a method of conducting a transaction using a physical card in accordance with an exemplary embodiment;
FIG. 4 is a block diagram illustrating an apparatus for conducting transactions using a physical card, according to an example embodiment;
fig. 5 is a block diagram illustrating an apparatus for a server in accordance with an example embodiment.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
The embodiment of the application provides a method, a device, a server and a medium for carrying out transaction by using a physical card. Before introducing the technical solution provided by the embodiment of the present application, an application scenario related to the present application is described first.
The application scenarios involved in the present application are various, and are described below by way of example.
The application scene one: and the user carries the entity card to a merchant for payment.
In an application scenario, a first hardware architecture related to the present application is shown in fig. 1, where the first hardware architecture includes, but is not limited to: a Point of sale (POS) machine 11, a physical card 12, and a server 13.
For example, the user may insert the physical card 12 into the POS machine 11, so that the physical card and the POS establish a connection, or the physical card 12 establishes a connection with the POS machine 11 through NFC (Near Field Communication).
The POS machine 11 may obtain a transaction request of the entity card 12, and send the transaction request to the server 13, so that the server 13 executes the method for performing a transaction by using the entity card according to the embodiment of the present disclosure.
Application scenario two: the user carries the entity card to a bank outlet to carry out transaction operations such as money withdrawal, deposit, account transfer or information change.
Illustratively, the alteration information includes: and changing the mobile phone number bound with the bank card.
In the second application scenario, a second hardware architecture related to the present application is as shown in fig. 2, and the second hardware architecture includes but is not limited to: a self-service device or bank teller machine 21, a physical card and a server 22.
Fig. 2 illustrates an example in which the self-service device is an ATM (Automated Teller Machine). The physical card is not shown in fig. 2.
After the entity card is connected to the self-service device or the bank teller machine 21, the self-service device or the bank teller machine 21 may obtain a transaction request of the entity card, and send the transaction request to the server 22, so that the server 22 executes the method for performing a transaction by using the entity card provided in the embodiment of the present application.
It will be understood by those skilled in the art that the above-described self-service device, bank teller machine, POS machine and server are only examples, and that other existing or future self-service devices, bank teller machines, POS machines and servers may be suitable for use with the present disclosure and are intended to be included within the scope of the present disclosure and are hereby incorporated by reference.
The following describes a method for performing a transaction by using a physical card according to an embodiment of the present application with reference to the above application scenarios.
Fig. 3 is a flowchart illustrating a method for performing a transaction using a physical card according to an exemplary embodiment, where the method for performing a transaction using a physical card is used in a server as shown in fig. 3, and includes the following steps S31 to S33.
Step S31: and if a transaction request for performing transaction through the entity card is detected, obtaining the card type and the card number information of the entity card.
Illustratively, the POS (Point of sale) machine 11 or the self-service device or the bank teller machine 21 may read the card type, the card number information, and the card owner information of the physical card.
Exemplary, card types include, but are not limited to: add-on cards, credit cards, savings cards.
The card number information refers to the card number of the entity card.
Step S32: and if the card type is an additional card, acquiring the bank card number bound with the card number information.
The additional card cannot establish a deposit account, for example, the additional card only has card number information and card owner information (information of a card issuer), and a user cannot deposit under the card number information corresponding to the additional card.
For example, the bank card number bound by the card number information may be a bank card number of a deposit card and/or a bank card number of a credit card.
For example, the number of the card number information bound bank card number may be one or more.
In practical applications, the card number information may be bound to the bank card number in the following scenarios, which are described as examples below.
Scene 1: the user needs to log off a plurality of bank cards, and the bank card numbers of the plurality of bank cards can be respectively bound with the card number information.
In scenario 1, if the additional card is bound to the bank card numbers of multiple bank cards at the same time, the additional card may log off the multiple bank cards at the same time.
Scene 2: the user needs to log off a plurality of bank cards and bind the card number information and the bank card number of one bank card each time, so that the additional card is equivalent to the bank card bound with the additional card.
In the scenario 1 and the scenario 2, the user does not need to carry all the bank cards that need to be logged off, but carries an additional card.
Scene 3: the user needs to pay with one or more bank cards without taking the corresponding bank card.
The bank card number and the card number information of the bank card A which is forgotten to be carried can be bound, so that the bank card A is operated through the additional card.
Step S33: executing the transaction request against a bank card having the bank card number.
In the embodiment of the application, when a user carries an additional card, if an entity bank card needs to be used for transaction but the entity bank card is not carried, the bank card number of the bank card and the card number information of the additional card may be bound, and a process of performing transaction operation on the additional card is a process of performing transaction operation on the bank card.
It will be appreciated that the issuer of the add-on card and the issuer of the bank card bound to the add-on card may be the same user or may be different users. Therefore, in order to avoid the abuse of the bank card bound with the additional card, the embodiment of the application also provides the following three limiting ways.
The first method includes the following steps a11 to a12.
Step A11: and acquiring the transaction times corresponding to the bank card number, wherein the transaction times refer to the times of transactions performed through the additional card.
An upper limit of the number of transactions may be set for each bank card, the number of transactions in step a11 = the number of successful transactions +1 that have been made by the additional card for the bank card with the bank card number.
Step A12: if the transaction number is less than or equal to the upper limit of the transaction number corresponding to the bank card number, step S33 is executed.
It is understood that, if the transaction number is higher than the upper limit of the transaction number corresponding to the bank card number, the step S33 is not executed, and the binding relationship between the card number information and the bank card number is released.
The second mode includes the following steps a21 to a22.
Step A21: a transaction amount is obtained from the transaction request.
A transaction amount upper limit may be set for each bank card.
Step A22: and if the transaction amount is less than or equal to the upper limit of the transaction amount corresponding to the bank card number, executing the step S33.
If the transaction amount is higher than the upper limit of the transaction amount corresponding to the bank card number, which indicates that there is a potential safety hazard, for example, a reminding short message may be sent to the issuer of the bank card with the bank card number.
The third mode includes the following steps a31 to a32.
Step A31: and determining the target transaction type carried by the transaction request.
For example, the target transaction type may be: at least one of a withdrawal transaction, a transfer transaction, a deposit transaction, and a change information transaction.
Step A32: and if the target transaction type belongs to the transaction type authority corresponding to the bank card number, executing the step S33.
For each bank card number, a transaction type, i.e. a transaction type right, can be set, by which the bank card having the bank card number can be transacted via the additional card. For example. The setting of the transaction type authority corresponding to the bank card number A comprises the following steps: transfer transaction and deposit transaction, if the target transaction type is withdrawal transaction, the target transaction type does not belong to the transaction type authority corresponding to the bank card number A, so the step S33 cannot be executed; if the target transaction type is a transfer transaction, the step S33 can be executed because the target transaction type belongs to the transaction type authority corresponding to the bank card number a.
The following describes a process of binding the bank card number and the card number information.
In an optional implementation manner, the user may carry the additional card and the bank card to be bound with the additional card to perform binding business transaction in a teller machine or self-service equipment of a banking outlet, so as to open the binding right between the additional card and the bank card.
For example, the user a carries an additional card and 3 bank cards (assuming that the 3 bank cards are a bank card A1, a bank card A2, and a bank card A3, respectively, the bank card A1 has a bank card number A1, the bank card A2 has a bank card number A2, and the bank card A3 has a bank card number A3) to a teller machine or a self-service device of a bank outlet to handle the binding service, and the teller machine or the self-service device can open the binding authority of the card number information of the additional card and the bank card number A1, the bank card number A2, and the bank card number A3. The subsequent user can change the binding relationship between the card number information of the additional card and at least one of the bank card number A1, the bank card number A2 and the bank card number A3 through the mobile banking application program.
In an optional implementation mode, the user can open the binding authority between the additional card and the bank card through the application program. There are various ways of opening the binding authority between the add-on card and the bank card through the application program, and the embodiment of the application provides, but is not limited to, the following two ways.
The first mode includes the following steps B11 to B13.
Step B11: and determining the bank card number from the bank card number to be bound.
It can be understood that the application program may bind a plurality of bank cards, the plurality of bank cards bound by the application program are to-be-bound bank cards, the bank card number of the to-be-bound bank card is the to-be-bound bank card number, and the user may select one or more bank card numbers from the plurality of to-be-bound bank card numbers and upload the selected bank card numbers to the server.
For example, if the application is a mobile banking application, the bank card number of the bank card bound with the mobile banking application is the bank card number to be bound.
Step B12: and acquiring the acquired identity information.
For example, the electronic device running the application program may collect the identity information of the user performing step B11 and upload the identity information to the server.
Exemplary identity information includes, but is not limited to: one or more of identification card number, mobile phone number and biological characteristic information.
Exemplary biometric information includes: fingerprint, iris, finger vein, walking gesture, and human face.
Step B13: and if the identity information is the same as the reserved identity information corresponding to the bank card number, determining to bind the bank card number and the card number information.
If the identity information is the same as the reserved identity information corresponding to the bank card number, the fact that the card number information of the additional card is bound with the bank card number is allowed by a card issuer of the bank card with the bank card number is indicated, so that the bank card number and the card number information are bound.
In an optional implementation manner, the card number information of the additional card and the bank card number of the bank card can be bound only when the issuer of the additional card is the same as the issuer of the bank card, and the step B13 specifically includes: and if the identity information is the same as the reserved identity information corresponding to the bank card number and the identity information is the same as the reserved identity information corresponding to the additional card, determining to bind the bank card number and the card number information.
The steps B11 to B13 may be applied to a server, or may be applied to an electronic device running an application program, and if the steps B11 to B13 are applied to the electronic device, the server may send the identity information corresponding to the bank card number to the electronic device, so that the electronic device executes the step B13.
Illustratively, the specific step of performing step B13 includes: acquiring a video recorded by a video recording module of the electronic equipment, wherein the video is a video of a content pushed by a server, and is a video of a user holding an additional card, a bank card to be bound and a personal identity card to be bound; acquiring multiple irregular random screenshots of the electronic equipment for the video to acquire multiple pictures; comparing whether the faces in the multiple pictures are consistent with the reserved faces corresponding to the bank card numbers; and if the voice content is consistent with the content pushed by the server, determining to bind the bank card number and the card number information.
If steps B11 to B13 are performed by the electronic device, after step B13, a 5g (5 th Generation Mobile Communication Technology) message module may be awakened, and then the video, the determination result, and the multiple pictures are transmitted back to the server.
In an alternative implementation, the issuer of the add-on card and the issuer of the bank card may be different.
The method is described in detail in the embodiments disclosed in the present application, and the method of the present application can be implemented by various types of apparatuses, so that an apparatus is also disclosed in the present application, and the following detailed description is given of specific embodiments.
Fig. 4 is a block diagram illustrating an apparatus for conducting transactions using a physical card, according to an example embodiment. Referring to fig. 4, the apparatus includes a first obtaining module 41, a second obtaining module 42, and an executing module 43.
A first obtaining module 41, configured to obtain a card type and card number information of an entity card if a transaction request for performing a transaction through the entity card is detected;
a second obtaining module 42, configured to obtain a bank card number bound to the card number information if the card type is an add-on card;
wherein the add-in card is unable to set up a deposit account;
an execution module 43, configured to execute the transaction request for the bank card with the bank card number.
In an optional implementation manner, the method further includes:
the first determining module is used for determining the bank card number from the bank card numbers to be bound;
the third acquisition module is used for acquiring the acquired identity information;
and the second determining module is used for determining to bind the bank card number and the card number information if the identity information is the same as the reserved identity information corresponding to the bank card number.
In an optional implementation manner, the second determining module is specifically configured to: and if the identity information is the same as the reserved identity information corresponding to the bank card number and the identity information is the same as the reserved identity information corresponding to the additional card, determining to bind the bank card number and the card number information.
In an optional implementation manner, the method further includes:
the fourth acquisition module is used for acquiring the transaction times corresponding to the bank card number, wherein the transaction times refer to the times of transaction through the additional card;
and the first triggering module is used for triggering the execution module if the transaction times are less than or equal to the upper limit of the transaction times corresponding to the bank card number.
In an optional implementation manner, the method further includes:
a fifth obtaining module, configured to obtain a transaction amount from the transaction request;
and the second triggering module is used for triggering the execution module if the transaction amount is less than or equal to the upper limit of the transaction amount corresponding to the bank card number.
In an optional implementation manner, the method further includes:
a third determining module, configured to determine a target transaction type carried by the transaction request;
and the third triggering module is used for triggering the execution module if the target transaction type belongs to the transaction type authority corresponding to the bank card number.
With regard to the apparatus in the above-described embodiment, the specific manner in which each module performs the operation has been described in detail in the embodiment related to the method, and will not be elaborated here.
Fig. 5 is a block diagram illustrating an apparatus for a server in accordance with an example embodiment.
Servers include, but are not limited to: a processor 51, a memory 52, a network interface 53, an I/O controller 54, and a communication bus 55.
It should be noted that the structure of the server shown in fig. 5 is not limited to the server, and the server may include more or less components than those shown in fig. 5, or some components may be combined, or a different arrangement of components may be used, as will be understood by those skilled in the art.
The following describes each component of the server in detail with reference to fig. 5:
the processor 51 is a control center of the server, connects various parts of the entire server using various interfaces and lines, and performs various functions of the server and processes data by running or executing software programs and/or modules stored in the memory 52 and calling data stored in the memory 52, thereby performing overall monitoring of the server. Processor 51 may include one or more processing units; illustratively, the processor 51 may integrate an application processor, which primarily handles operating systems, user interfaces, applications, etc., and a modem processor, which primarily handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 51.
The processor 51 may be a Central Processing Unit (CPU), or an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits configured to implement embodiments of the present invention, etc.;
the Memory 52 may include a Memory, such as a Random-Access Memory (RAM) 521 and a Read-Only Memory (ROM) 522, and may also include a mass storage device 523, such as at least 1 disk storage. Of course, the server may also include hardware needed for other services.
The memory 52 is used for storing the executable instructions of the processor 51. The processor 51 has the following functions: the function of executing a method of conducting a transaction using a physical card.
A wired or wireless network interface 53 is configured to connect the server to a network.
The processor 51, the memory 52, the network interface 53, and the I/O controller 54 may be connected to each other by a communication bus 55, which may be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc.
In an exemplary embodiment, the server may be implemented by one or more Application Specific Integrated Circuits (ASICs), digital Signal Processors (DSPs), digital Signal Processing Devices (DSPDs), programmable Logic Devices (PLDs), field Programmable Gate Arrays (FPGAs), controllers, micro-controllers, microprocessors or other electronic components for performing the above-described method of conducting transactions using physical cards.
In an exemplary embodiment, the disclosed embodiments provide a storage medium comprising instructions, such as a memory 52 comprising instructions, executable by a processor 51 of a server to perform the above-described method. Alternatively, the storage medium may be a non-transitory computer readable storage medium, which may be, for example, a ROM, a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.
In an exemplary embodiment, a computer readable storage medium is provided, which can be directly loaded into the internal memory of a computer, such as the memory 52, and contains software codes, and the computer program can be loaded into and executed by the computer to implement the method for performing transactions by using a physical card.
In an exemplary embodiment, a computer program product is also provided, which is directly loadable into an internal memory of a computer, such as a memory comprised by said server, and contains software code, and which, when loaded and executed by a computer, is able to carry out the above-mentioned method of conducting a transaction using a physical card.
The method, the device, the server and the medium for transaction by using the entity card can be used in the financial field or other fields, for example, can be used in transaction application scenes in the financial field. The other fields are arbitrary fields other than the financial field. The above description is only an example, and does not limit the application fields of the method, the apparatus, the server and the medium for performing transactions by using the entity card provided by the present invention.
Note that the features described in the embodiments in the present specification may be replaced with or combined with each other. For the device or system type embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, refer to the partial description of the method embodiment.
It is further noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising a … …" does not exclude the presence of another identical element in a process, method, article, or apparatus that comprises the element.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may reside in Random Access Memory (RAM), memory, read-only memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (10)

1. A method for conducting a transaction using a physical card, comprising:
if a transaction request for performing transaction through an entity card is detected, acquiring the card type and card number information of the entity card;
if the card type is an additional card, acquiring a bank card number bound with the card number information;
wherein the add-in card is unable to set up a deposit account;
the transaction request is executed against a bank card having the bank card number.
2. The method of conducting a transaction using a physical card of claim 1, wherein the method of binding the card number information to a bank card number comprises:
determining the bank card number from the bank card number to be bound;
acquiring acquired identity information;
and if the identity information is the same as the reserved identity information corresponding to the bank card number, determining to bind the bank card number and the card number information.
3. The method of claim 2, wherein the step of determining to bind the bank card number and the card number information if the identity information is the same as the reserved identity information corresponding to the bank card number comprises:
and if the identity information is the same as the reserved identity information corresponding to the bank card number and the identity information is the same as the reserved identity information corresponding to the additional card, determining to bind the bank card number and the card number information.
4. A method of conducting a transaction using a physical card according to any one of claims 1 to 3, further comprising:
acquiring transaction times corresponding to the bank card number, wherein the transaction times refer to the times of performing transactions through the additional card;
and if the transaction times are less than or equal to the upper limit of the transaction times corresponding to the bank card number, executing the transaction request step aiming at the bank card with the bank card number.
5. A method of conducting a transaction using a physical card according to any one of claims 1 to 3, further comprising:
obtaining a transaction amount from the transaction request;
and if the transaction amount is less than or equal to the upper limit of the transaction amount corresponding to the bank card number, executing the transaction request step aiming at the bank card with the bank card number.
6. A method of conducting a transaction using a physical card according to any one of claims 1 to 3, further comprising:
determining a target transaction type carried by the transaction request;
and if the target transaction type belongs to the transaction type authority corresponding to the bank card number, executing the transaction request step aiming at the bank card with the bank card number.
7. An apparatus for conducting transactions using a physical card, comprising:
the first acquisition module is used for acquiring the card type and the card number information of the entity card if a transaction request for performing transaction through the entity card is detected;
the second acquisition module is used for acquiring the bank card number bound with the card number information if the card type is an additional card;
wherein the add-in card is unable to set up a savings account;
and the execution module is used for executing the transaction request aiming at the bank card with the bank card number.
8. The apparatus for conducting a transaction using a physical card of claim 7, further comprising:
the first determining module is used for determining the bank card number from the bank card numbers to be bound;
the third acquisition module is used for acquiring the acquired identity information;
and the second determining module is used for determining to bind the bank card number and the card number information if the identity information is the same as the reserved identity information corresponding to the bank card number.
9. A server, comprising:
a processor;
a memory for storing the processor-executable instructions;
wherein the processor is configured to execute the instructions to implement a method of conducting a transaction using a physical card as claimed in any of claims 1 to 6.
10. A computer readable storage medium, the instructions in the storage medium, when executed by a processor of a server, enable the server to perform a method of conducting a transaction using a physical card as claimed in any of claims 1 to 6.
CN202210931544.4A 2022-08-03 2022-08-03 Method, device, server and medium for transaction by using entity card Pending CN115293768A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202210931544.4A CN115293768A (en) 2022-08-03 2022-08-03 Method, device, server and medium for transaction by using entity card

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202210931544.4A CN115293768A (en) 2022-08-03 2022-08-03 Method, device, server and medium for transaction by using entity card

Publications (1)

Publication Number Publication Date
CN115293768A true CN115293768A (en) 2022-11-04

Family

ID=83827144

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202210931544.4A Pending CN115293768A (en) 2022-08-03 2022-08-03 Method, device, server and medium for transaction by using entity card

Country Status (1)

Country Link
CN (1) CN115293768A (en)

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