CN116709299A

CN116709299A - Auxiliary card opening method, device, computer equipment and storage medium

Info

Publication number: CN116709299A
Application number: CN202310658390.0A
Authority: CN
Inventors: 李�昊
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2023-06-05
Filing date: 2023-06-05
Publication date: 2023-09-05

Abstract

The present application relates to an accessory card opening method, an accessory card opening device, a computer apparatus, a storage medium and a computer program product. The method comprises the following steps: acquiring a family object set corresponding to a target object; the family object set comprises an authenticated family object set and an unauthenticated family object set; the family object set is sent to target equipment corresponding to the target object; acquiring a card opening object which is returned by the target equipment and is determined from the family object set, and sending card opening information to be confirmed, which corresponds to the object type of the card opening object, to the target equipment; and acquiring confirmed card opening information obtained by signing card opening information to be confirmed returned by the target equipment, and opening a proprietary card corresponding to the card opening object based on the confirmed card opening information, wherein the proprietary card is a target affiliated card of a target main card corresponding to the target object. The card opening equipment and the target equipment in the method can communicate through 5G information, belong to the technical field of 5G, and can improve the auxiliary card opening efficiency.

Description

Auxiliary card opening method, device, computer equipment and storage medium

Technical Field

The present application relates to the field of computer technology, and in particular, to an accessory card method, an apparatus, a computer device, a storage medium, and a computer program product.

Background

The main card holder can apply for the auxiliary card for the relative, and when the auxiliary card is applied for the auxiliary card, the main card holder must provide the effective identity document, the family directory and other relative certificates of the applicant of the auxiliary card, and sign and confirm the output business certificate of the system, so as to complete the auxiliary card.

In the traditional auxiliary card opening process, the application for opening the auxiliary card is required to be transacted by a main card holder through a counter in business hours of a website, however, in the offline transaction process, the main card holder is required to actively provide the identification information of the applicant of the auxiliary card, and the problem of low auxiliary card opening efficiency exists.

Disclosure of Invention

In view of the foregoing, it is desirable to provide a method, apparatus, computer device, computer-readable storage medium, and computer program product for opening an accessory card that can improve the efficiency of opening an accessory card.

The application provides an accessory card opening method. The method comprises the following steps:

acquiring a family object set corresponding to a target object; the family object set comprises an authenticated family object set and an unauthenticated family object set;

the family object set is sent to target equipment corresponding to the target object;

Acquiring a card opening object which is returned by the target equipment and is determined from the family object set, and sending card opening information to be confirmed, which corresponds to the object type of the card opening object, to the target equipment;

and acquiring confirmed card opening information obtained by signing card opening information to be confirmed returned by the target equipment, and opening a proprietary card corresponding to the card opening object based on the confirmed card opening information, wherein the proprietary card is a target affiliated card of a target main card corresponding to the target object.

The application also provides an auxiliary card opening device. The device comprises:

the family object set acquisition module is used for acquiring a family object set corresponding to the target object; the family object set comprises an authenticated family object set and an unauthenticated family object set;

the home object set sending module is used for sending the home object set to target equipment corresponding to the target object;

the card opening information sending module is used for obtaining a card opening object which is returned by the target equipment and is determined from the family object set, and sending card opening information to be confirmed, corresponding to the object type to which the card opening object belongs, to the target equipment;

the auxiliary card issuing module is used for acquiring confirmed card issuing information obtained by signing card issuing information to be confirmed, returned by the target equipment, and issuing an exclusive card corresponding to a card issuing object based on the confirmed card issuing information, wherein the exclusive card is a target auxiliary card of a target main card corresponding to the target object.

A computer device comprising a memory storing a computer program and a processor implementing the steps of the accessory card opening method described above when the processor executes the computer program.

A computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of the accessory card opening method described above.

A computer program product comprising a computer program which, when executed by a processor, performs the steps of the accessory card opening method described above.

The method, the device, the computer equipment, the storage medium and the computer program product for opening the accessory card are characterized in that a family object set corresponding to a target object is obtained, and the family object set comprises an authenticated family object set and an unauthenticated family object set. And sending the family object set to target equipment corresponding to the target object, receiving the card opening object determined by the target equipment from the family object set, and returning card opening information to be confirmed corresponding to the object type of the card opening object to the target equipment. And further acquiring confirmed card opening information which is returned by the target equipment and is obtained after the card opening information to be confirmed is signed, and opening the exclusive card corresponding to the card opening object based on the confirmed card opening information, wherein the exclusive card is a target affiliated card of the target main card corresponding to the target object. In this way, in the process of opening the auxiliary card, after the card opening object determined by the target object is received, the card opening information to be confirmed corresponding to the object type to which the card opening object belongs is returned to the target device, and the exclusive card corresponding to the card opening object is opened based on the confirmed card opening information returned by the target device, so that the target object can complete the opening of the auxiliary card only by confirming the card opening information to be confirmed after selecting the card opening object, the auxiliary card opening process is simplified, and the efficiency of opening the auxiliary card is improved.

Drawings

FIG. 1 is a diagram of an application environment for an accessory card opening method in one embodiment;

FIG. 2 is a flow chart of a method of opening an accessory card in one embodiment;

FIG. 3 is a flow diagram of acquiring a collection of home objects in one embodiment;

FIG. 4 is a block diagram of an accessory card opening device in one embodiment;

FIG. 5 is a block diagram of an accessory card opening device in another embodiment;

FIG. 6 is an internal block diagram of a computer device in one embodiment;

fig. 7 is an internal structural view of a computer device in another embodiment.

Detailed Description

The present application will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present application more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the application.

The method for opening the auxiliary card provided by the embodiment of the application can be applied to an application environment shown in figure 1. Wherein the target device 102 communicates with the card opening device 104 via a network. The data storage system may store data that the card opening device 104 needs to process. The data storage system may be integrated on the card opening device 104 or may be located on the cloud or other network server. The target device 102 is a terminal, which may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, internet of things devices, and portable wearable devices, and the internet of things devices may be smart televisions, smart vehicle devices, and the like. The portable wearable device may be a smart watch, smart bracelet, headset, or the like. The card opening device 104 may be a server, a terminal, or a combination of a server and a terminal, where the server may be implemented by a separate server or a server cluster formed by multiple servers. The target device 102 and the card opening device 104 may be directly or indirectly connected by wired or wireless communication, and the application is not limited herein.

Both the terminal and the server can be used separately to execute the method for opening the affiliated card provided in the embodiment of the application.

For example, the terminal acquires a family object set corresponding to the target object, where the family object set includes an authenticated family object set and an unauthenticated family object set. And the terminal sends the family object set to target equipment corresponding to the target object. The terminal acquires the card opening object which is returned by the target device and is determined from the family object set, and sends card opening information to be confirmed, which corresponds to the object type to which the card opening object belongs, to the target device. The terminal obtains confirmed card opening information obtained by signing card opening information to be confirmed and returned by the target equipment, and opens a special card corresponding to the card opening object based on the confirmed card opening information, wherein the special card is a target auxiliary card of a target main card corresponding to the target object.

The terminal and the server may also cooperate to perform the method for opening the accessory card provided in the embodiments of the present application.

For example, the terminal sends a home object acquisition request carrying a target object identifier to the server, and the server acquires a home object set corresponding to the target object based on the target object identifier, where the home object set includes an authenticated home object set and an unauthenticated home object set. And the server sends the family object set to target equipment corresponding to the target object. The server acquires the card opening object which is returned by the target device and is determined from the family object set, and sends card opening information to be confirmed, which corresponds to the object type to which the card opening object belongs, to the target device. The method comprises the steps that a server obtains confirmed card opening information obtained by signing card opening information to be confirmed and returned by target equipment, the confirmed card opening information is sent to a terminal, the terminal opens a special card corresponding to a card opening object based on the confirmed card opening information, and the special card is a target auxiliary card of a target main card corresponding to the target object.

In one embodiment, as shown in fig. 2, an auxiliary card opening method is provided, and the method is applied to card opening equipment, which is exemplified by a terminal or a server, and is independently executed by the terminal or the server, or can be implemented through interaction between the terminal and the server. The auxiliary card opening method comprises the following steps:

step S202, acquiring a family object set corresponding to a target object; the set of home objects includes a set of authenticated home objects and a set of unauthenticated home objects.

The target object refers to an object that needs to open an auxiliary card, for example, when the auxiliary card is a credit card a, the target object is a cardholder corresponding to the credit card a; when the corresponding affiliated card is opened for the membership card B, the target object is the cardholder corresponding to the membership card B. The family object set is a set including each family object corresponding to the target object, and the family object is an object having a family relationship with the target object acquired based on a family service handled by the target object. For example, the home object may be an object corresponding to a home number associated with a mobile phone number corresponding to the target object; the home object may be an object corresponding to a home account associated with a target account corresponding to the target object; etc.

The authenticated home object refers to a home object that performs a relationship authentication with a target object in a home object set. The unauthorized home object refers to a home object that does not undergo relative authentication with the target object in the home object set. The authenticated family object set refers to a set including each authenticated family object in the family object set. The set of unauthorized home objects refers to a set including individual unauthorized home objects in the set of home objects.

For example, in order to simplify the auxiliary card opening flow and improve the auxiliary card opening efficiency, when the target object requests to open the auxiliary card, the card opening device obtains each home object corresponding to the target object based on the home service handled by the target object. And taking the home object which is subjected to relative authentication with the target object as an authenticated home object to obtain an authenticated home object set, and taking the home object which is not subjected to relative authentication with the target object as an unauthenticated home object to obtain an unauthenticated home object set. And obtaining a family object set corresponding to the target object based on the authenticated family object set and the unauthenticated family object set corresponding to the target object.

Step S204, the family object set is sent to target equipment corresponding to the target object.

The target device corresponding to the target object is a device for logging in a target account corresponding to the target object, and may be, for example, various personal computers, notebook computers, smart phones, tablet computers, self-service terminals, and the like.

The card opening device sends the obtained home object set corresponding to the target object to the target device corresponding to the target object, so that the target device displays each home object in the home object set, and the target object can select the card opening object from the home objects.

Step S206, obtaining the card opening object determined from the family object set returned by the target device, and sending card opening information to be confirmed corresponding to the object type to which the card opening object belongs to the target device.

The card opening object refers to a cardholder corresponding to an accessory card to be opened by the target object. The object type refers to a type determined based on a relatedness authentication condition between the home object and the target object, and for example, the object type may be two types of authenticated or unauthenticated objects. The card opening information to be confirmed is generated by the card opening object selected for the target object, and the card opening information to be confirmed needs to be signed and confirmed by the target object, and comprises target main card information and auxiliary card information corresponding to the target object. The accessory card information refers to information related to the accessory card holder required for opening the accessory card, such as an identification card of the accessory card holder, a proof of relatedness between the accessory card holder and the main card holder, and the like.

Illustratively, the target object selects an opening object from the family object set sent by the opening device, and sends the selected opening object information to the opening device through the target device. After the card opening device obtains the card opening object returned by the target device, corresponding card opening information to be confirmed is generated based on the card opening object and the object type corresponding to the card opening object. Specifically, when the card opening object is an authenticated family object, the relative verification information uploaded during relative authentication between the card opening object and the target object is queried, and card opening information to be confirmed is generated based on the queried relative verification information. When the card opening object is an unauthorized family object, the fact that the target object does not upload the relative relation proving information between the card opening object and the target object can not be queried, and after the relative relation proving information provided by the target object is obtained, the card opening information to be confirmed is generated based on the relative relation proving information. And then sending the card opening information to be confirmed to target equipment corresponding to the target object.

Step S208, obtaining confirmed card opening information obtained by signing card opening information to be confirmed and returned by the target equipment, and opening a proprietary card corresponding to the card opening object based on the confirmed card opening information, wherein the proprietary card is a target affiliated card of a target main card corresponding to the target object.

The confirmed card opening information refers to card opening information obtained after the card opening information to be confirmed is confirmed through the signature of the target object. The exclusive card corresponding to the object is an auxiliary card of a target main card opened for the card opening object, and the exclusive card can be a credit card, a membership card, a debit card and the like. The target main card is a main card which is determined to be required to open an auxiliary card in each main card held by the target object. The target auxiliary card is an auxiliary card belonging to the target main card and opened for the card opening object.

The target object signs the card opening information to be confirmed, which is sent by the card opening device, through the target device to obtain the card opening information to be confirmed, and sends the card opening information to the card opening device. The card opening device acquires the confirmed card opening information returned by the target device, performs auditing and archiving on the confirmed card opening information, and opens the corresponding exclusive card, namely the auxiliary card corresponding to the target main card, for the card opening object based on the confirmed card opening information.

In the method for opening the affiliated card, the home object set corresponding to the target object is obtained, and the home object set comprises an authenticated home object set and an unauthenticated home object set. And sending the family object set to target equipment corresponding to the target object, receiving the card opening object determined by the target equipment from the family object set, and returning card opening information to be confirmed corresponding to the object type of the card opening object to the target equipment. And further acquiring confirmed card opening information which is returned by the target equipment and is obtained after the card opening information to be confirmed is signed, and opening the exclusive card corresponding to the card opening object based on the confirmed card opening information, wherein the exclusive card is a target affiliated card of the target main card corresponding to the target object. In this way, in the process of opening the auxiliary card, after the card opening object determined by the target object is received, the card opening information to be confirmed corresponding to the object type to which the card opening object belongs is returned to the target device, and the exclusive card corresponding to the card opening object is opened based on the confirmed card opening information returned by the target device, so that the target object can complete the opening of the auxiliary card only by confirming the card opening information to be confirmed after selecting the card opening object, the auxiliary card opening process is simplified, and the efficiency of opening the auxiliary card is improved.

In one embodiment, as shown in fig. 3, obtaining a family object set corresponding to a target object includes:

step S302, a target account number of a target device corresponding to the login target object is obtained.

Step S304, taking the family object corresponding to the family account with the associated payment of the target account as an authenticated family object, and obtaining an authenticated family object set.

Step S306, taking the family object corresponding to the family account with which the target account does not have the associated payment as an unauthenticated family object, and obtaining an unauthenticated family object set.

Step S308, obtaining a family object set corresponding to the target object based on the authenticated family object set and the unauthenticated family object set.

The target account number refers to a login account number corresponding to a target host card of the target object, for example, when the target host card is a debit card, the target account number may be a mobile phone number bound by the debit card; when the target main card is a membership card, the target account number can be a login account number of the membership card or a mobile phone number bound by the membership card; etc.

The home account is a login account corresponding to a home object associated with the target object, the main card account can select to set an associated payment for the home account, the target account can uniformly pay the fees generated by the home account with the associated payment set, and when the associated payment is set for the home account corresponding to the target account, the relatives between the home object corresponding to the home account and the target object need to be authenticated.

The method includes that after receiving an auxiliary card opening request sent by target equipment corresponding to a target object, the card opening equipment determines a target account number used by the target object to log in the target equipment based on target account number information carried by the auxiliary card opening request. And acquiring each family account related to the target account based on the family number business transacted by the target account. After the target account is associated with the home account, the target account can also select to transact the associated payment service for the associated home account. And then inquiring a family object corresponding to the family account with the associated payment with the target account as an authenticated family object to obtain an authenticated family object set, and taking the family object corresponding to the family account without the associated payment between the target accounts as an unauthenticated family object to obtain an unauthenticated family object set.

In the above embodiment, a home account having an associated payment with a target account is queried to obtain an authenticated home object set, a home account having no associated payment with the target account is queried to obtain an unauthenticated home object set, and a home object set corresponding to the target object is obtained based on the authenticated home object set and the unauthenticated home object set. And the family object set is further sent to target equipment corresponding to the target objects, the card opening objects are determined among the target objects in the family object set, the target objects do not need to provide card opening object information, the auxiliary card opening process is simplified, and the auxiliary card opening efficiency is improved.

In one embodiment, before the family object set corresponding to the target object is obtained, the method for opening the affiliated card further includes:

if the insurance object set corresponding to the target object is queried, the insurance object set is sent to target equipment corresponding to the target object, the card opening object which is returned by the target equipment and is determined from the insurance object set is obtained, and the step of sending the card opening information to be confirmed corresponding to the object type to which the card opening object belongs is carried out; the application object is an authenticated object; if the application object set corresponding to the target object is not queried, entering the step of acquiring the family object set corresponding to the target object for execution.

The application object is an insured person corresponding to an insurance product handled by the target object, and when the target object purchases the insurance product, the relatives between the application object and the target object need to be authenticated. The authenticated object refers to an object that has undergone a relationship authentication with the target object. The set of the application objects refers to a set including respective application objects corresponding to the target object.

For example, before acquiring the family object set corresponding to the target object, the card opening device may query the application object set corresponding to the target object based on the insurance product handled by the target object, where each application object in the application object set is an authenticated object.

If the application object set corresponding to the target object is queried, the application object set is sent to target equipment corresponding to the target object, so that the target equipment displays all application objects in the application object set, and the target object can select a card opening object from all application objects. And selecting the card opening object from the insurance object set by the target object, and sending the card opening object information to the card opening device through the target device. After the card opening device acquires the card opening object returned by the target device, sending card opening information to be confirmed corresponding to the object type of the card opening object to the target device. After the confirmed card opening information obtained after the card opening information to be confirmed returned by the target equipment is signed is obtained, the exclusive card corresponding to the card opening object is opened based on the confirmed card opening information.

If the application object set corresponding to the target object is not queried, acquiring the family object set corresponding to the target object, and sending the family object set to target equipment corresponding to the target object. And further acquiring the card opening object which is returned by the target equipment and is determined from the family object set, and sending card opening information to be confirmed, which corresponds to the object type to which the card opening object belongs, to the target equipment. And acquiring confirmed card opening information obtained by signing card opening information to be confirmed returned by the target equipment, and opening the exclusive card corresponding to the card opening object based on the confirmed card opening information.

In the above embodiment, before the family object set corresponding to the target object is obtained, the application object set corresponding to the target object is obtained first, because the application objects are authenticated objects, if the target object determines the card opening object from the application object set, the related information proving information uploaded during the related authentication of the card opening object and the target object can be directly queried, and further the card opening information to be confirmed is generated based on the related information proving information, the related information proving information does not need to be provided by the target user, and the efficiency of opening the affiliated card can be further improved.

In one embodiment, the target associated object set is a family object set or an application object set, and the obtaining the target associated object set corresponding to the target object includes:

acquiring a card opening relative range corresponding to a target main card corresponding to a target object; acquiring an initial association object set corresponding to a target object; and filtering each associated object in the initial associated object set based on the open card relative range to obtain a target associated object set corresponding to the target object.

The relative opening range corresponding to the target main card refers to a relative range which is determined based on the relative opening condition of the auxiliary card corresponding to the target main card and can be provided for opening, for example, when the target main card is a debit card a, the relative opening condition corresponding to the debit card a is a relative which can be a direct relative of a main card holder of an auxiliary card holder, and the age of the auxiliary card holder is 14 years old, at this time, the relative opening range corresponding to the target main card is a relative which is 14 years old in the direct relative corresponding to the cardholder of the target main card. The initial association object refers to a home object or an application object corresponding to the target object. The initial association object set refers to a family object set containing a family object corresponding to the target object or an application object set containing an application object corresponding to the target object. The target associated object set is an associated object set obtained by filtering associated objects which do not belong to the open card relative range in the initial object set.

The card opening device obtains a card opening relative range corresponding to the target main card based on the auxiliary card opening condition corresponding to the target main card. The method comprises the steps of obtaining an initial association object set corresponding to a target object, wherein the initial association object set comprises at least one initial association object associated with the target object, and the relatives of the initial association objects and the target object respectively. And filtering initial association objects of which the relative does not belong to the open card relative range corresponding to the target main card from the initial association object set based on the open card relative range to obtain a target association object set corresponding to the target object.

In the above embodiment, the target associated object set is obtained by obtaining the open card relative range corresponding to the target main card, and filtering the initial associated objects which do not meet the open card condition of the affiliated card based on the open card relative range. And then the target associated object set is sent to target equipment corresponding to the target object, and the card opening object is determined in the target associated object set by the target object. In this way, the initial association objects which do not accord with the card opening conditions of the accessory card are filtered in advance, so that the target association object set sent to the target object is more accurate, the accuracy of pushing the association object set can be improved, and the accuracy and efficiency of opening the accessory card are improved.

In one embodiment, sending to the target device card opening information to be confirmed corresponding to an object type to which the card opening object belongs includes:

acquiring an accessory card opening template corresponding to a target main card corresponding to a target object; when the card opening object is an authenticated object, filling the auxiliary card opening template based on the relatives proving information between the card opening object and the target object to obtain an auxiliary card opening application form, and sending card opening information to be confirmed carrying the auxiliary card opening application form to target equipment corresponding to the target object; when the card opening object is an unauthorized object, the auxiliary card opening template is sent to target equipment corresponding to the target object, an auxiliary card opening application form obtained by filling the auxiliary card opening template and returned by the target equipment is received, and card opening information to be confirmed carrying the auxiliary card opening application form is sent to the target equipment corresponding to the target object.

The accessory card opening template refers to an accessory card application form which needs to perfect application information when an accessory card is applied for opening. The auxiliary card opening application form refers to an opening application form obtained after filling information required to be perfected in an auxiliary card opening template, namely, an auxiliary card application form with the application information perfected. The card opening information to be confirmed refers to card opening information which carries an affiliated card application form and is provided for a target object to carry out signature confirmation.

The relatedness proof information refers to proof information capable of proving relatedness between the card opening object and the target object, and may include, for example, valid identity documents, family books, and the like, to which the card opening object and the target object correspond respectively.

The authenticated object refers to an object that has undergone a relationship authentication with the target object. The unauthenticated object refers to an object that is not authenticated with respect to the target object.

The card opening device obtains an accessory card opening template corresponding to the target main card based on the main card identifier corresponding to the target main card.

When the card opening object is an authenticated object, the card opening equipment inquires relative evidence information uploaded when the card opening object performs relative authentication with the target object, fills information required in the auxiliary card opening template based on the relative evidence information to obtain an auxiliary card opening application form, and sends card opening information to be confirmed, which carries the auxiliary card opening application form, to target equipment corresponding to the target object.

When the card opening object is an unauthorized object, the card opening device sends the auxiliary card opening template to target equipment corresponding to the target object, and the target object fills the auxiliary card opening template on the target equipment to obtain an auxiliary card opening application form. Specifically, the target object provides information required by card opening such as relative information between the target object and the card opening object according to requirements of the auxiliary card opening template, and fills the information into the auxiliary card opening template according to a corresponding format to obtain an auxiliary card opening application form, and then the auxiliary card opening application form is sent to the card opening equipment through the target equipment. After receiving the auxiliary card opening application form sent by the target equipment, the card opening equipment generates card opening information to be confirmed carrying the auxiliary card opening application form, and sends the card opening information to be confirmed to the target equipment.

In the above embodiment, when the card opening object is an authenticated object, the related information proving information uploaded when the card opening object and the target object perform related authentication is directly queried, and further, the card opening information to be confirmed is generated based on the related information proving information, and the target user does not need to provide the related information proving information, so that the efficiency of opening the affiliated card can be further improved. When the card opening object is an unauthorized object, the auxiliary card opening template is sent to target equipment corresponding to the target object, an auxiliary card opening application form obtained by filling the auxiliary card opening template by the target object is received, and further card opening information to be confirmed is generated based on the auxiliary card opening application form, so that universality of auxiliary card opening can be improved.

In one embodiment, the accessory card opening method further comprises:

acquiring an affiliated card opening request sent by target equipment corresponding to a target object; acquiring a plurality of initial main cards corresponding to a target object based on an object identifier corresponding to the target object carried by an auxiliary card opening request; acquiring the associated number of the auxiliary cards and the upper limit of the auxiliary cards corresponding to each initial main card respectively; filtering the initial main cards of which the associated quantity of the auxiliary cards reaches the upper limit of the corresponding auxiliary cards from all the initial main cards to obtain candidate main cards; sending each candidate main card to target equipment corresponding to the target object; and acquiring a target main card which is returned by the target equipment and is determined from the candidate main cards, and entering a home object set corresponding to the acquired target object to execute.

The auxiliary card opening request refers to a request for opening an auxiliary card. The object identifier refers to an identifier for distinguishing different objects, and the object identifiers respectively corresponding to different cardholders are unique. The initial main card refers to a main card transacted by the target object. The candidate host card refers to an initial host card for which the number of associated accessory cards does not reach the upper limit of the corresponding accessory card. The number of attached card associations refers to the number of attached cards to which the master card is currently associated. The upper limit of the accessory card refers to the maximum number of accessory cards that the main card can open.

The card opening device obtains an auxiliary card opening request sent by a target device corresponding to a target object, and queries all initial main cards corresponding to the object identifier, namely all main cards handled by the target object, and the auxiliary card upper limit and the auxiliary card association number corresponding to each initial main card respectively based on the object identifier corresponding to the target object carried by the auxiliary card opening request. And filtering the initial main cards of which the auxiliary card association number reaches the corresponding auxiliary card upper limit based on the auxiliary card upper limit and the auxiliary card association number respectively corresponding to the initial main cards, and taking the initial main cards of which the auxiliary card association number is smaller than the corresponding auxiliary card upper limit as candidate main cards. And sending each candidate main card to target equipment corresponding to the target object, and further acquiring the target main card selected from each candidate main card returned by the target equipment.

And then acquiring a family object set corresponding to the target object, sending the family object set to target equipment corresponding to the target object, acquiring a card opening object which is returned by the target equipment and is determined from the family object set, and sending card opening information to be confirmed corresponding to the object type to which the card opening object belongs to the target equipment. And further acquiring confirmed card opening information obtained by signing the card opening information to be confirmed, which is returned by the target equipment, and opening the exclusive card corresponding to the card opening object based on the confirmed card opening information.

In the above embodiment, after each initial main card corresponding to the target object is obtained, the candidate main cards are obtained by filtering the initial main cards of which the associated number of the auxiliary cards has reached the upper limit of the corresponding auxiliary cards, and then each candidate main card is sent to the target device corresponding to the target object, and the target object selects the target main card from the candidate main cards. Therefore, the initial main cards of which the associated quantity of the auxiliary cards reaches the upper limit of the corresponding auxiliary cards are filtered in advance, so that candidate main cards sent to a target object are main cards capable of opening the auxiliary cards, the accuracy of pushing the main cards can be improved, and the accuracy and the efficiency of opening the auxiliary cards are improved.

In one embodiment, communication is performed between the card opening device and the target device via 5G messages.

The card opening device refers to a device for providing auxiliary card opening service for a target object, and can be a terminal or a server, and the server can be an independent server or a server cluster formed by a plurality of servers. The 5G message is the upgrade of the short message service, is a basic telecommunication service provided by an operator, realizes the leap of service experience based on the IP technology (Internet Protocol ), supports more media formats and has more expression forms. The core function of the 5G message is MaaP (Messaging as a Platform, a message is a platform), besides supporting the sending of rich media messages, the service interaction mode between enterprises and individual users is comprehensively upgraded, the enterprises push personalized services to the users in rich media modes such as graphics, videos, cards and menus, the users do not need to download, install, register, log in and pay attention to enterprise numbers, and one-stop service experience such as service discovery, search, interaction and payment can be completed in a message window.

In the whole process of opening the auxiliary card, the opening device and the target device are in communication through 5G messages, and the method belongs to the technical field of 5G. Specifically, the target object first sends an affiliated card opening request to the card opening device in the form of a 5G message through the target device. And after the card opening device acquires each candidate main card based on the auxiliary card opening request, each candidate main card is sent to the target device in the form of a 5G message. The target device transmits the target master card determined from the respective candidate master cards to the card opening device in the form of a 5G message. And after the card opening device acquires the family object set corresponding to the target object, the family object set is sent to the target device in the form of a 5G message. After the target object determines the card opening object from the family object set, the target device sends the card opening object information to the card opening device in the form of a 5G message. After the card opening device obtains the card opening object, the corresponding card opening information to be confirmed is sent to the target device in the form of a 5G message. After signing the card opening information to be confirmed by the target object to obtain the confirmed card opening information, the confirmed card opening information is sent to the card opening equipment in a 5G message mode through the target equipment.

In one embodiment, the 5G message is a short message, and the card opening device and the target device communicate through the short message.

In the above embodiment, the opening of the auxiliary card is realized by communicating the 5G message between the card opening device and the target device, so that the target object does not need to download an application program or pay attention to public numbers, and can open the auxiliary card on line only by logging in the target device through a mobile phone number, thereby simplifying the process of opening the auxiliary card and saving the storage resources of the target device. Meanwhile, because the 5G message has low time delay characteristic, the efficiency of opening the accessory card can be effectively improved by communicating the 5G message.

In a specific embodiment, the method for opening the auxiliary card provided by the application can be applied to a background system of a bank, and the auxiliary card is opened for a debit card, and the method for opening the auxiliary card comprises the following steps of:

1. determining a target host card

The bank background system acquires a 5G message which is sent by target equipment corresponding to a target customer and is kept in login, wherein the 5G message carries login name and fingerprint information, and if the login name is matched with the fingerprint information, the air control is released. Inquiring a client unique identifier corresponding to the target client and sending the client unique identifier to an account opening information center in a bank background system. And inquiring all debit cards under the target client name in the account opening information center based on the client unique identification, and sending the debit cards to a target terminal corresponding to the target client in a 5G message form. And after the target main card information which is returned by the target terminal and is determined from each debit card is obtained, the target main card information is sent to a card management center in a bank background system. Inquiring the number of auxiliary cards related to a target main card, if the number of the auxiliary cards reaches an upper limit, indicating that the target main card cannot open the auxiliary cards, if the number of the auxiliary cards does not reach the upper limit, sending a 5G message for strengthening authentication to target equipment corresponding to a target client so as to enable the target client to carry out living body detection, after the detection is passed, sending the photo information of a current operation object corresponding to the shot target equipment to a networking checking system in a 5G message mode, and carrying out real-person authentication.

2. Determining an object to open a card

After the authentication of the real person is passed, the bank background system inquires the available card relative range corresponding to the target main card based on the debit card type corresponding to the target main card. And then inquiring an initial insuring object set corresponding to the target client, and filtering the initial insuring object set corresponding to the target client based on the available card relative range corresponding to the target main card to obtain a target insuring object set, wherein each insuring object in the insuring object set is an authenticated object. If the target insuring object set contains at least one insuring object, the target insuring object set is sent to a target terminal corresponding to a target client in the form of a 5G message, and card opening object information returned by the target client is received.

And if the target insurance object set is empty, the bank background system inquires the home number associated with the target mobile phone number used by the target client for logging in the target equipment from the operator in the form of a 5G message. And when the target mobile phone number is associated with the family number, inquiring relative information corresponding to the family numbers with associated payment set between the family numbers and the target mobile phone number to obtain authenticated family object sets, and obtaining unauthenticated family object sets based on the relative information corresponding to the other family numbers. And sending the authenticated family object set and the unauthenticated family object set to the target terminal corresponding to the target object in the form of a 5G message. And receiving card opening object information returned by the target client.

3. Card opening information confirmation

When the card opening object is an authenticated object, the bank background system inquires relative relation proving information between the card opening object and the target object, and sends a 5G message of 'auxiliary card opening application confirmation' to target equipment corresponding to a target client based on the relative relation proving information, wherein the 5G message of 'auxiliary card opening application confirmation' carries an auxiliary card opening application form.

When the card opening object is an unauthenticated object, the bank background system prompts the target customer to upload the relative proving information in the form of a 5G message, and sends a 5G message of 'affiliated card opening application confirmation' to the target equipment corresponding to the target customer based on the relative proving information returned by the target equipment corresponding to the target customer in the form of the 5G message, wherein the 5G message of 'affiliated card opening application confirmation' carries an affiliated card opening application form.

After signature confirmation is carried out on the 'auxiliary card opening application confirmation' through the target equipment by the target client, the bank background system carries out auditing and archiving on the confirmed auxiliary card opening information carried in the 5G message of the 'auxiliary card opening application confirmation' which is returned by the target equipment and is signed and confirmed.

4. Card making

The bank background system sends a starting instruction to the card center module, prompts a target customer to fill in the shipping information such as the consignee of the affiliated card, the mobile phone number, the shipping address and the like in a 5G message form, and sends the manufactured affiliated card to the shipping address filled in by the target customer through an express company capable of timely tracking logistics information. Meanwhile, a logistics tracking module can be arranged, and when logistics information corresponding to the auxiliary card is changed, the current logistics state of the auxiliary card of the target customer is prompted in a 5G message mode.

In the above embodiment, the affiliated card opening is performed by querying the carrier family number associated with the mobile phone number of the target client and the application object set associated with the target client, so that the client can directly determine the card opening object from the target application object set or the family object set, the target client does not need to provide card opening object information, the affiliated card opening flow is simplified, and the affiliated card opening efficiency is improved. When the card opening object is an authenticated object, the relative relationship proving information between the card opening object and the target object can be directly inquired, the target client does not need to provide the relative relationship proving information, and the efficiency of opening the affiliated card can be further improved.

It should be understood that, although the steps in the flowcharts related to the embodiments described above are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.

Based on the same inventive concept, the embodiment of the application also provides an auxiliary card opening device for realizing the auxiliary card opening method. The implementation of the solution provided by the device is similar to that described in the above method, so the specific limitations in the embodiments of the one or more accessory card opening devices provided below can be referred to above for the limitations of the accessory card opening method, and are not repeated here.

In one embodiment, as shown in fig. 4, there is provided an accessory card opening device comprising: a home object set acquisition module 402, a home object set transmission module 404, an opening card information transmission module 406, and an affiliated card opening module 408, wherein:

a home object set acquisition module 402, configured to acquire a home object set corresponding to a target object; the set of home objects includes a set of authenticated home objects and a set of unauthenticated home objects.

And the home object set sending module 404 is configured to send the home object set to a target device corresponding to the target object.

And the card opening information sending module 406 is configured to obtain a card opening object determined from the family object set and returned by the target device, and send card opening information to be confirmed corresponding to an object type to which the card opening object belongs to the target device.

The affiliated card opening module 408 is configured to obtain confirmed card opening information obtained by signing card opening information to be confirmed, which is returned by the target device, and open an exclusive card corresponding to the card opening object based on the confirmed card opening information, where the exclusive card is a target affiliated card of the target main card corresponding to the target object.

In one embodiment, the home object set acquisition module 402 is further configured to:

acquiring a target account number of target equipment corresponding to a login target object; taking a home object corresponding to a home account with which the target account has associated payment as an authenticated home object to obtain an authenticated home object set; taking a home object corresponding to a home account for which the target account does not have associated payment as an unauthenticated home object, and obtaining an unauthenticated home object set; and obtaining a family object set corresponding to the target object based on the authenticated family object set and the unauthenticated family object set.

In one embodiment, the card opening information sending module 406 is further configured to:

In one embodiment, as shown in fig. 5, the accessory card opening device further includes:

the application object query module 502 is configured to, if an application object set corresponding to a target object is queried, send the application object set to a target device corresponding to the target object, obtain an opening object returned by the target device and determined from the application object set, and enter into execution of a step of sending to-be-confirmed opening information corresponding to an object type to which the opening object belongs to the target device; the application object is an authenticated object; if the application object set corresponding to the target object is not queried, entering the step of acquiring the family object set corresponding to the target object for execution.

The object set obtaining module 504 is configured to obtain a card opening relatives range corresponding to a target main card corresponding to a target object; acquiring an initial association object set corresponding to a target object; and filtering each associated object in the initial associated object set based on the open card relative range to obtain a target associated object set corresponding to the target object.

The target main card determining module 506 is configured to obtain an auxiliary card opening request sent by a target device corresponding to a target object; acquiring a plurality of initial main cards corresponding to a target object based on an object identifier corresponding to the target object carried by an auxiliary card opening request; acquiring the associated number of the auxiliary cards and the upper limit of the auxiliary cards corresponding to each initial main card respectively; filtering the initial main cards of which the associated quantity of the auxiliary cards reaches the upper limit of the corresponding auxiliary cards from all the initial main cards to obtain candidate main cards; sending each candidate main card to target equipment corresponding to the target object; and acquiring a target main card which is returned by the target equipment and is determined from the candidate main cards, and entering a home object set corresponding to the acquired target object to execute.

According to the accessory card opening device, the family object set corresponding to the target object is obtained, and the family object set comprises an authenticated family object set and an unauthenticated family object set. And sending the family object set to target equipment corresponding to the target object, receiving the card opening object determined by the target equipment from the family object set, and returning card opening information to be confirmed corresponding to the object type of the card opening object to the target equipment. And further acquiring confirmed card opening information which is returned by the target equipment and is obtained after the card opening information to be confirmed is signed, and opening the exclusive card corresponding to the card opening object based on the confirmed card opening information, wherein the exclusive card is a target affiliated card of the target main card corresponding to the target object. In this way, in the process of opening the auxiliary card, after the card opening object determined by the target object is received, the card opening information to be confirmed corresponding to the object type to which the card opening object belongs is returned to the target device, and the exclusive card corresponding to the card opening object is opened based on the confirmed card opening information returned by the target device, so that the target object can complete the opening of the auxiliary card only by confirming the card opening information to be confirmed after selecting the card opening object, the auxiliary card opening process is simplified, and the efficiency of opening the auxiliary card is improved.

The above-mentioned respective modules in the accessory card opening device may be implemented in whole or in part by software, hardware, and a combination thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.

In one embodiment, a computer device is provided, which may be a server, the internal structure of which may be as shown in fig. 6. The computer device includes a processor, a memory, an Input/Output interface (I/O) and a communication interface. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface is connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer equipment is used for storing data such as family object sets, card opening information to be confirmed and the like. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for communicating with an external terminal through a network connection. The computer program, when executed by a processor, implements a method for opening an accessory card.

In one embodiment, a computer device is provided, which may be a terminal, and the internal structure of which may be as shown in fig. 7. The computer device includes a processor, a memory, an input/output interface, a communication interface, a display unit, and an input means. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface, the display unit and the input device are connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless mode can be realized through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. The computer program, when executed by a processor, implements a method for opening an accessory card. The display unit of the computer device is used for forming a visual picture, and can be a display screen, a projection device or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, can also be a key, a track ball or a touch pad arranged on the shell of the computer equipment, and can also be an external keyboard, a touch pad or a mouse and the like.

It will be appreciated by persons skilled in the art that the structures shown in fig. 6 and 7 are merely block diagrams of portions of structures associated with aspects of the application and are not intended to limit the computer apparatus to which aspects of the application may be applied, and that a particular computer apparatus may include more or less components than those shown, or may combine some of the components, or have a different arrangement of components.

In one embodiment, a computer device is provided, comprising a memory and a processor, the memory having stored therein a computer program, the processor implementing the steps of the method embodiments described above when the computer program is executed.

In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored which, when executed by a processor, implements the steps of the method embodiments described above.

In one embodiment, a computer program product or computer program is provided that includes computer instructions stored in a computer readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device performs the steps in the above-described method embodiments.

It should be noted that, the user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) related to the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use and processing of the related data need to comply with the related laws and regulations and standards of the related country and region.

Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high density embedded nonvolatile Memory, resistive random access Memory (ReRAM), magnetic random access Memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric Memory (Ferroelectric Random Access Memory, FRAM), phase change Memory (Phase Change Memory, PCM), graphene Memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in the form of a variety of forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), and the like. The databases referred to in the embodiments provided herein may include at least one of a relational database and a non-relational database. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processor referred to in the embodiments provided in the present application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic unit, a data processing logic unit based on quantum computing, or the like, but is not limited thereto.

The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.

The foregoing examples illustrate only a few embodiments of the application and are described in detail herein without thereby limiting the scope of the application. It should be noted that it will be apparent to those skilled in the art that several variations and modifications can be made without departing from the spirit of the application, which are all within the scope of the application. Accordingly, the scope of the application should be assessed as that of the appended claims.

Claims

1. A method of opening an accessory card, applied to an opening device, the method comprising:

acquiring a card opening object which is returned by the target equipment and is determined from the family object set, and sending card opening information to be confirmed, corresponding to an object type to which the card opening object belongs, to the target equipment;

And acquiring confirmed card opening information which is returned by the target equipment and obtained by signing the card opening information to be confirmed, and opening an exclusive card corresponding to the card opening object based on the confirmed card opening information, wherein the exclusive card is a target auxiliary card of a target main card corresponding to the target object.

2. The method according to claim 1, wherein the obtaining the family object set corresponding to the target object includes:

acquiring a target account number of target equipment corresponding to a login target object;

taking a home object corresponding to a home account with which the target account has associated payment as an authenticated home object to obtain an authenticated home object set;

taking a home object corresponding to a home account for which the target account does not have associated payment as an unauthenticated home object, and obtaining an unauthenticated home object set;

and obtaining a family object set corresponding to the target object based on the authenticated family object set and the unauthenticated family object set.

3. The method according to claim 1, wherein before the obtaining the family object set corresponding to the target object, the method further includes:

if an insurance object set corresponding to a target object is queried, the insurance object set is sent to target equipment corresponding to the target object, a card opening object which is returned by the target equipment and is determined from the insurance object set is obtained, and the step of sending to the target equipment card opening information to be confirmed corresponding to the object type to which the card opening object belongs is carried out; the application object is an authenticated object;

And if the application object set corresponding to the target object is not queried, entering the step of acquiring the family object set corresponding to the target object to execute.

4. A method according to claim 3, wherein the target associated object set is the family object set or the application object set, and obtaining the target associated object set corresponding to the target object includes:

acquiring a card opening relative range corresponding to a target main card corresponding to the target object;

acquiring an initial association object set corresponding to the target object;

and filtering each associated object in the initial associated object set based on the open card relative range to obtain a target associated object set corresponding to the target object.

5. The method of claim 1, wherein the sending, to the target device, card opening information to be confirmed corresponding to an object type to which the card opening object belongs, includes:

acquiring an accessory card opening template corresponding to a target main card corresponding to the target object;

when the card opening object is an authenticated object, filling the auxiliary card opening template based on the relative relationship proving information between the card opening object and the target object to obtain an auxiliary card opening application form, and sending card opening information to be confirmed carrying the auxiliary card opening application form to target equipment corresponding to the target object;

When the card opening object is an unauthorized object, the auxiliary card opening template is sent to target equipment corresponding to the target object, an auxiliary card opening application form which is returned by the target equipment and is obtained by filling the auxiliary card opening template is received, and card opening information to be confirmed, which carries the auxiliary card opening application form, is sent to the target equipment corresponding to the target object.

6. The method according to claim 1, wherein the method further comprises:

acquiring an affiliated card opening request sent by target equipment corresponding to the target object;

acquiring a plurality of initial main cards corresponding to the target object based on the object identifiers corresponding to the target object carried by the auxiliary card opening request;

acquiring the associated number of the auxiliary cards and the upper limit of the auxiliary cards corresponding to the initial main cards respectively;

filtering the initial main cards of which the associated quantity of the auxiliary cards reaches the upper limit of the corresponding auxiliary cards from the initial main cards to obtain candidate main cards;

sending each candidate main card to target equipment corresponding to the target object;

and acquiring a target main card which is returned by the target equipment and is determined from the candidate main cards, and executing the step of entering the family object set corresponding to the acquired target object.

7. The method according to any one of claims 1 to 6, wherein the card opening device and the target device communicate via 5G messages.

8. An accessory card opening device, the device comprising:

the family object set sending module is used for sending the family object set to target equipment corresponding to the target object;

the auxiliary card issuing module is used for acquiring confirmed card issuing information which is returned by the target equipment and obtained by signing the card issuing information to be confirmed, and issuing an exclusive card corresponding to the card issuing object based on the confirmed card issuing information, wherein the exclusive card is a target auxiliary card of a target main card corresponding to the target object.

9. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any of claims 1 to 7 when the computer program is executed.

10. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 7.