CN115883139A - Method and device for issuing digital debit card - Google Patents
Method and device for issuing digital debit card Download PDFInfo
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- CN115883139A CN115883139A CN202211409641.3A CN202211409641A CN115883139A CN 115883139 A CN115883139 A CN 115883139A CN 202211409641 A CN202211409641 A CN 202211409641A CN 115883139 A CN115883139 A CN 115883139A
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Abstract
The invention discloses a method and a device for issuing a digital debit card, which relate to big data, and comprise the following steps: receiving a card opening request of a digital debit card sent from equipment, wherein the digital debit card uses a first authentication tool to perform security authentication when transacting business through an electronic bank, the equipment is terminal equipment with a second authentication tool, and the transaction limit when transacting business through the electronic bank by using the second authentication tool is higher than the transaction limit when transacting business through the electronic bank by using the first authentication tool; binding the digital debit card with a mobile phone bank; and binding the digital debit card with the second authentication tool to ensure that the equipment uses the second authentication tool to perform security authentication when transacting business through the electronic bank. The invention can improve the transaction limit of the digital debit card, can save card making cost for banks, does not need to carry out entity card heavy empty management, is convenient and quick, can meet the use in a large-amount transaction scene, and has complete bank card experience.
Description
Technical Field
The invention relates to the technical field of big data, in particular to a method and a device for issuing a digital debit card.
Background
The digital debit card is a bank card with only card number and no physical card, and has most functions of a common bank card.
The authentication tool is a security authentication mode when transaction functions such as transfer, payment and payment are handled through an electronic bank, and generally comprises a mobile phone transaction code, a USBKey, an ETOKEN and the like.
A disadvantage of the prior art is that the authentication tools that support digital debit cards allow the digital debit cards to support a lower limit of transactions.
Disclosure of Invention
The embodiment of the invention provides a method for issuing a digital debit card, which is used for solving the problem that an authentication tool supporting the digital debit card causes the transaction limit supported by the digital debit card to be lower, and comprises the following steps:
receiving a card opening request of a digital debit card sent from equipment, wherein the digital debit card uses a first authentication tool to perform security authentication when transacting business through an electronic bank, the equipment is terminal equipment with a second authentication tool, and the transaction limit when transacting business through the electronic bank by using the second authentication tool is higher than the transaction limit when transacting business through the electronic bank by using the first authentication tool;
binding the digital debit card with a mobile phone bank;
and binding the digital debit card with the second authentication tool, so that the equipment uses the second authentication tool to perform security authentication when transacting business through the electronic bank.
The embodiment of the invention also provides a device for issuing the digital debit card, which is used for solving the problem that the authentication tool supporting the digital debit card causes the transaction limit supported by the digital debit card to be lower, and the device comprises:
the request module is used for receiving a card opening request of a digital debit card sent from equipment, the digital debit card carries out security authentication by using a first authentication tool when transacting business through an electronic bank, the equipment is terminal equipment with a second authentication tool, and the transaction limit when transacting business through the electronic bank by using the second authentication tool is higher than the transaction limit when transacting business through the electronic bank by using the first authentication tool;
the card binding module is used for binding the digital debit card with a mobile phone bank;
and the authentication tool binding module is used for binding the digital debit card and the second authentication tool, so that the equipment uses the second authentication tool for security authentication when transacting business through the electronic bank.
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 issuing method of the digital debit card.
An embodiment of the present invention further provides a computer-readable storage medium, in which a computer program is stored, and the computer program, when executed by a processor, implements the method for issuing a digital debit card.
An embodiment of the present invention further provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the method for issuing a digital debit card is implemented.
In the embodiment of the invention, compared with the technical scheme that only a mobile phone is used for issuing the debit card through a mobile phone bank in the prior art, after the card opening request of the digital debit card is received, because the second authentication tool is bound with the digital debit card, the second authentication tool is finally used for carrying out security authentication when the transaction is handled, but not the original first authentication tool of the digital debit card, when the transaction limit when the second authentication tool is used for handling the transaction through the electronic bank is higher than the transaction limit when the first authentication tool is used for handling the transaction through the electronic bank, the transaction limit using the digital debit card is not subject to the transaction limit of the first authentication tool any more, so that the transaction limit of the digital debit card can be improved.
Furthermore, the digital debit card has the characteristics of difficult loss, free handling, safety and the like for customers, so that the card manufacturing cost can be saved for banks, the physical card empty management is not required, and the digital debit card is convenient and quick.
Furthermore, as the media-free digital debit card capable of being bound with the entity authentication tool is issued, the use in a large-amount transaction scene can be met, the limitation is avoided, and the complete bank card function is really experienced.
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 is a schematic flow chart illustrating an exemplary method for issuing a digital debit card according to the present invention;
FIG. 2 is a block diagram of the digital debit card issuance architecture in accordance with an embodiment of the present invention;
FIG. 3 is a schematic view of the process for issuing a digital debit card in accordance with an embodiment of the present invention;
FIG. 4 is a schematic structural diagram of an issuing device of a digital debit card in an embodiment of the present invention;
FIG. 5 is a diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The inventor notices in the process of invention that:
the authentication tool is a security authentication mode when transaction functions such as transfer, payment and payment are handled through an electronic bank, and generally comprises a mobile phone transaction code, a USBKey, an ETOKEN and the like.
The entity bank card is that the prefabricated card with card number is put into the entity card box, namely the issuing equipment in advance, after the issuing equipment clicks the operation, the functions of authentication tool binding, product signing and the like are carried out, and finally the entity bank card is sent out from the hardware.
When the mobile phone software issues the digital bank card, the mobile phone software operates to apply for the digital bank card, and the information such as the bank card number is displayed on the mobile phone software.
When the issuing equipment issues the entity bank card, the issued entity bank card needs a bank teller to prepare a prepared card in advance, the preparation period is long, the operation is complex, and the cost is high; the issued physical card is easily lost to the customer and requires payment of a cost of labor.
However, when the digital bank card is issued by using the mobile phone software, the digital bank card issued by the mobile phone software cannot be bound by the entity authentication tool, so that the transaction limit is low, large-amount transactions cannot be performed, and the customer experience is influenced. This is because each authentication tool supports different transaction limits, which is caused by the fact that a generic entity authentication tool supports higher transaction limits than a non-entity authentication tool.
Based on this, the embodiment of the invention provides a scheme for issuing a digital debit card with the functions of binding an authentication tool, signing a product and the like.
The following examples are given by way of illustration.
Fig. 1 is a schematic flow chart of an implementation of a method for issuing a digital debit card, as shown in fig. 1, which may include:
and 103, binding the digital debit card with a second authentication tool, so that the equipment uses the second authentication tool for security authentication when transacting business through the electronic bank.
In implementation, the business handled by the electronic bank includes one or a combination of the following businesses:
transferring accounts, paying fees and paying.
In an implementation, the second authentication tool is an entity authentication tool.
In particular, general entity authentication tools support higher transaction limits than entity-less authentication tools.
In an implementation, the entity authentication tool includes ETOKEN and/or USBkey.
ETOKEN is a USB authentication device based on smart card technology, which is used to enhance the security of public network and private network data. Can be used to generate and store digital certificates to enable key generation. The method can be used for identity authentication, PKI authentication, digital signature, encryption and the like to help realize identity authentication.
The USBKey digital security certificate is generally called USBKey for short, and is a high-level security authentication tool which takes the USBKey as a carrier, embeds a digital certificate, is commonly adopted by banks and meets the requirements of supervision departments.
The transfer quota is different for both ETOKEN and USBKey.
In practice, a digital debit card is a bank card having a status, and a limit, unique card number.
In particular, a specific, or specialized, product hierarchy can be established for the digital debit card, such that each bank debit card that is applied for has a unique card number, status, limit, etc. And opening the card by the self-service terminal under the line, sending authentication tools such as ETOKEN, USBKey and the like by the self-service terminal, automatically binding the authentication tools with the card, and automatically binding the digital debit card with software such as a mobile phone bank by the self-service terminal to ensure that the bank card is normally used.
In implementation of the scheme, a product system of the digital debit card can be established, wherein the product system comprises product attributes, a bank card number generation method, a card management method and the like, and each applied bank card has a unique card number, a state, a quota and the like. When the autonomous device realizes the issue of the digital debit card, a mobile phone bank can be automatically opened for a transacting client, and the bank card is bound with the mobile phone bank; autonomous devices may be provided with ETOKEN and USBkey entity authentication tools issuing, managing, encrypting, and binding functions.
The following is an example.
Fig. 2 is a schematic diagram of an issuing architecture of a digital debit card, and as shown in fig. 2, at least one functional architecture that can implement issuing of a digital debit card may include:
digital debit card management module: and the card reader is used for taking charge of functions of setting parameters of the digital debit card, generating a card number, changing a card state and the like. And providing data support for the card issuing process.
Digital debit card automatic issuing module: the system is used for serially connecting functions of customer information updating, card issuing, product signing, authentication tool binding and the like, so that a customer can automatically issue a bank card without a breakpoint on self-service equipment.
Entity authentication tool binding module: having ETOKEN and USBKey entity authentication tool issuing, managing, encrypting and binding functions, the digital debit card can bind the authentication tool.
Fig. 3 is a schematic diagram of an implementation flow of issuing a digital debit card, as shown in fig. 3, which may include:
after the bank card is inserted, performing card opening pre-inspection, and performing human face audit, networking audit, image uploading and other audit programs;
after the customer information is input, automatically signing a mobile phone bank, and associating with a digital debit card management system;
and selecting the authentication tool, wherein the selectable tools at least comprise one of the following modes: a mobile phone transaction code, an SIM shield, ETOKEN and USBKey;
interacting with a debit card management terminal at the debit card side, setting bank card passwords and other operations, and performing card opening transaction after customer information is updated to generate card numbers;
after the product is signed a contract, when the authentication tool is issued, the authentication tool is bound with the authentication tool selected previously;
the transaction is ended.
Embodiments of the present invention also provide an apparatus for issuing a digital debit card, as described in the following embodiments. Since the principle of solving the problem of the device is similar to the method for issuing the digital debit card, the implementation of the device can be referred to the implementation of the method for issuing the digital debit card, and the repeated description is omitted.
Fig. 4 is a schematic diagram of the structure of the issuing device of the digital debit card, as shown in fig. 4, which may include:
a request module 401, configured to receive a card opening request of a digital debit card sent from a device, where the digital debit card performs security authentication by using a first authentication tool when transacting business through an electronic bank, the device is a terminal device with a second authentication tool, and a transaction limit when transacting business through the electronic bank by using the second authentication tool is higher than a transaction limit when transacting business through the electronic bank by using the first authentication tool;
a card binding module 402, configured to bind the digital debit card with a mobile banking;
and an authentication tool binding module 403, configured to bind the digital debit card with a second authentication tool, so that the device uses the second authentication tool to perform security authentication when transacting business through the electronic bank.
In an implementation, the request module is further configured to transact a transaction including one or a combination of the following transactions via the electronic bank:
transferring accounts, paying fees and paying.
In an implementation, the authentication tool binding module is further configured to bind a second authentication tool that is an entity authentication tool.
In an implementation, the authentication tool binding module is further configured to bind an entity authentication tool comprising ETOKEN and/or USBkey.
In practice, the requesting module is further configured to request that the digital debit card be a bank card having a status, and a quota, unique card number.
When the technical scheme provided by the embodiment of the invention is implemented, the implementation can be carried out as follows.
Fig. 5 is a schematic diagram of a computer device, as shown in fig. 5, the computer device includes:
the processor 500, which is used to read the program in the memory 520, executes the following processes:
receiving a card opening request of a digital debit card sent from equipment, wherein the digital debit card uses a first authentication tool to perform security authentication when transacting business through an electronic bank, the equipment is terminal equipment with a second authentication tool, and the transaction limit when transacting business through the electronic bank by using the second authentication tool is higher than the transaction limit when transacting business through the electronic bank by using the first authentication tool;
binding the digital debit card with a mobile phone bank;
binding the digital debit card with a second authentication tool to ensure that the equipment uses the second authentication tool to perform security authentication when transacting business through the electronic bank;
a transceiver 510 for receiving and transmitting data under the control of the processor 500.
In implementation, the business handled by the electronic bank includes one or a combination of the following businesses:
transferring accounts, paying fees and paying.
In an implementation, the second authentication tool is an entity authentication tool.
In implementations, the entity authentication tool includes ETOKEN and/or USBkey.
In practice, a digital debit card is a bank card having a status, and a limit, unique card number.
Wherein in fig. 5, the bus architecture may include any number of interconnected buses and bridges, with one or more processors, represented by processor 500, and various circuits, represented by memory 520, being linked together. The bus architecture may also link together various other circuits such as peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, will not be described any further herein. The bus interface provides an interface. The transceiver 510 may be a plurality of elements including a transmitter and a receiver that provide a means for communicating with various other apparatus over a transmission medium. The processor 500 is responsible for managing the bus architecture and general processing, and the memory 520 may store data used by the processor 500 in performing operations.
An embodiment of the present invention further provides a computer-readable storage medium, in which a computer program is stored, and the computer program, when executed by a processor, implements the method for issuing a digital debit card.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the computer program implements the method for issuing a digital debit card.
In the embodiment of the invention, the digital debit card capable of binding the entity authentication tool can be issued by self, and the issued digital debit card is automatically bound with online software such as a mobile phone bank and the like.
The scheme has at least one of the following effects:
the digital debit card has the characteristics of difficult loss, free handling, safety and the like for customers. For banks, card manufacturing cost can be saved, entity card heavy-air management is not needed, and convenience and rapidness are achieved.
The media-free card capable of binding the entity authentication tool is issued, the use in a large-amount transaction scene can be met, limitation is avoided, and the complete bank card function is really experienced.
The self-service equipment is handled in a one-stop mode, queuing pressure of network points is released, the customer handling speed is increased, and time and labor are saved.
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 (13)
1. A method of issuing a digital debit card, comprising:
receiving a card opening request of a digital debit card sent from equipment, wherein the digital debit card uses a first authentication tool to perform security authentication when transacting business through an electronic bank, the equipment is terminal equipment with a second authentication tool, and the transaction limit when transacting business through the electronic bank by using the second authentication tool is higher than the transaction limit when transacting business through the electronic bank by using the first authentication tool;
binding the digital debit card with a mobile phone bank;
and binding the digital debit card with the second authentication tool, so that the equipment uses the second authentication tool to perform security authentication when transacting business through the electronic bank.
2. The method of claim 1, wherein the transactions transacted through electronic banking include one or a combination of the following transactions:
transferring accounts, paying fees and paying.
3. The method of claim 1, wherein the second authentication tool is an entity authentication tool.
4. The method of claim 3, in which entity authentication tools comprise ETOKEN and/or USBKey.
5. The method of claim 1, wherein the digital debit card is a bank card having a status, and a limit, unique card number.
6. An issuing apparatus for a digital debit card, comprising:
the request module is used for receiving a card opening request of a digital debit card sent from equipment, the digital debit card carries out security authentication by using a first authentication tool when transacting business through an electronic bank, the equipment is terminal equipment with a second authentication tool, and the transaction limit when transacting business through the electronic bank by using the second authentication tool is higher than the transaction limit when transacting business through the electronic bank by using the first authentication tool;
the card binding module is used for binding the digital debit card with a mobile phone bank;
and the authentication tool binding module is used for binding the digital debit card and the second authentication tool, so that the equipment uses the second authentication tool for security authentication when transacting business through the electronic bank.
7. The apparatus of claim 6, wherein the request module is further for transacting a transaction through electronic banking comprising one or a combination of:
transferring accounts, paying fees and paying.
8. The apparatus of claim 6, wherein the authentication tool binding module is further for binding a second authentication tool that is an entity authentication tool.
9. The apparatus of claim 8, in which the authentication tool binding module is further to bind an entity authentication tool comprising ETOKEN and/or USBkey.
10. The apparatus of claim 6, wherein the request module is further for requesting that the digital debit card be a bank card having a status, and a limit, unique card number.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1 to 5 when executing the computer program.
12. A computer-readable storage medium, characterized in that it stores a computer program which, when executed by a processor, implements the method of any one of claims 1 to 5.
13. 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 1 to 5.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211409641.3A CN115883139A (en) | 2022-11-10 | 2022-11-10 | Method and device for issuing digital debit card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211409641.3A CN115883139A (en) | 2022-11-10 | 2022-11-10 | Method and device for issuing digital debit card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN115883139A true CN115883139A (en) | 2023-03-31 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202211409641.3A Pending CN115883139A (en) | 2022-11-10 | 2022-11-10 | Method and device for issuing digital debit card |
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| Country | Link |
|---|---|
| CN (1) | CN115883139A (en) |
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2022
- 2022-11-10 CN CN202211409641.3A patent/CN115883139A/en active Pending
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