CN116739585A - Slave card state monitoring method and device, electronic equipment and storage medium - Google Patents
Slave card state monitoring method and device, electronic equipment and storage medium Download PDFInfo
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- 230000008014 freezing Effects 0.000 claims abstract description 9
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4012—Verifying personal identification numbers [PIN]
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Abstract
The application provides a slave card state monitoring method, a slave card state monitoring device, electronic equipment and a storage medium, which can be used in the financial field or other fields. The method comprises the following steps: acquiring a target consumption record of a target slave card; if the consumption abnormality of the target slave card is determined according to the target consumption record, sending a warning prompt to a first target terminal bound by a master card to which the target slave card belongs; if the first indication information returned by the first target terminal in response to the warning prompt is received, the state verification indication information is sent to the second target terminal bound by the target slave card; the first indication information is used for indicating to perform state verification on the target slave card; receiving slave card state verification feedback information from a second target terminal, and freezing the target slave card when the target slave card state is determined to be abnormal according to the slave card state verification feedback information; and if the target slave card state is determined to be abnormal, sending prompt information for prompting that the slave card state is abnormal to the first target terminal. The method of the application improves the safety of the use of the slave card.
Description
Technical Field
The present application relates to the field of finance, and in particular, to a slave card status monitoring method, apparatus, electronic device, and storage medium.
Background
One master card (e.g., debit card) of the user may correspond to at least one slave card (e.g., accessory card, DPAN card, etc.). The auxiliary card, the DPAN card and the like are bound with the main card to be in the same account when the auxiliary card applies. The accounting activities such as consumer payments of the slave card are independent of the master card, and the slave card is generally indistinguishable in use and function from the master card.
However, the existing use mode of the slave card brings convenience to the user and also creates a certain risk for the security of the account of the user. For example, the slave card may be lost, stolen, or the like during use.
Disclosure of Invention
The application provides a slave card state monitoring method, a device, electronic equipment and a storage medium, which are used for solving the problem of poor use security of a slave card.
In a first aspect, the present application provides a slave card status monitoring method, the method comprising:
acquiring a target consumption record of a target slave card;
if the target slave card consumption abnormality is determined according to the target consumption record, sending a warning prompt to a first target terminal bound by a master card to which the target slave card belongs; the warning prompt is used for prompting that the consumption of the target slave card is abnormal;
If the first indication information returned by the first target terminal in response to the warning prompt is received, sending state verification indication information to a second target terminal bound by the target slave card; the first indication information is used for indicating to perform state verification on the target slave card;
receiving slave card state verification feedback information from the second target terminal, and freezing the target slave card when the target slave card state abnormality is determined according to the slave card state verification feedback information;
and if the target slave card state is determined to be abnormal according to the slave card state verification feedback information, sending prompt information for prompting that the slave card state is abnormal to the first target terminal.
In a second aspect, the present application provides a slave card status monitoring apparatus, the apparatus comprising:
the acquisition module is used for acquiring a target consumption record of the target slave card;
the first transmission module is used for sending a warning prompt to a first target terminal bound by a master card to which the target slave card belongs when the consumption abnormality of the target slave card is determined according to the target consumption record; when receiving first indication information returned by the first target terminal in response to the warning prompt, sending state verification indication information to a second target terminal bound by the target slave card; receiving slave card state verification feedback information from the second target terminal; the warning prompt is used for prompting that the consumption of the target slave card is abnormal; the first indication information is used for indicating to perform state verification on the target slave card;
The first processing module is used for freezing the target slave card when the state of the target slave card is abnormal according to the slave card state verification feedback information;
and the second transmission module is used for sending prompt information for prompting that the slave card state is not abnormal to the first target terminal when the slave card state verification feedback information determines that the target slave card state is not abnormal.
In a third aspect, the present application provides an electronic device comprising a memory and a processor;
the memory stores a computer program;
the processor is arranged to perform the method of any of the first aspects by means of the computer program.
In a fourth aspect, the present application provides a computer-readable storage medium having stored thereon computer-executable instructions which, when executed by a processor, implement the method of any of the first aspects.
In a fifth aspect, the application provides a computer program product comprising a computer program which, when executed by a processor, implements the method of any of the first aspects.
According to the slave card state monitoring method, the slave card state monitoring device, the electronic equipment and the storage medium, whether the target slave card has abnormal consumption can be determined through the target consumption record of the target slave card. When the consumption abnormality of the target slave card is determined, a warning prompt can be sent to a first target terminal bound with a master card to which the target slave card belongs, so that the first target terminal can respond to the warning prompt to return first indication information for indicating the state verification of the target slave card. By the method, the master card holder is prompted that the target slave card may have abnormality, user experience is improved, and state verification of the target slave card is triggered to continue to execute subsequent slave card state monitoring. By transmitting the status verification indication information to the second target terminal to which the target slave card is bound, it is possible to receive the slave card status verification feedback information from the second target terminal and freeze the target slave card when it is determined that the target slave card is abnormal in status according to the slave card status verification feedback information. By the method, when the state of the target slave card is abnormal, the target slave card is frozen, so that the use safety of the target slave card is improved, the safety of accounts corresponding to the target slave card and the main card is further improved, and the user experience is improved. When the target slave card state is determined to be abnormal, prompt information for prompting that the slave card state is abnormal can be sent to the first target terminal, so that a master card holder can know that the target slave card state is abnormal, and user experience is further improved.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and together with the description, serve to explain the principles of the application.
FIG. 1 is a schematic diagram of an application scenario of a slave card status monitoring method provided by the present application;
FIG. 2 is a schematic flow chart of a slave card status monitoring method according to the present application;
fig. 3 is an interface schematic diagram of a first target terminal according to the present application;
FIG. 4 is a schematic diagram of a slave card status monitoring device according to an embodiment of the present application;
fig. 5 is a schematic structural diagram of an electronic device according to the present application.
Specific embodiments of the present application have been shown by way of the above drawings and will be described in more detail below. The drawings and the written description are not intended to limit the scope of the inventive concepts in any way, but rather to illustrate the inventive concepts to those skilled in the art by reference to the specific embodiments.
Detailed Description
Reference will now be made in detail to exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numbers in different drawings refer to the same or similar elements, unless otherwise indicated. The implementations described in the following exemplary examples do not represent all implementations consistent with the application. Rather, they are merely examples of apparatus and methods consistent with aspects of the application as detailed in the accompanying claims.
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 fully authorized by each party, and the collection, use and processing of the related data need to comply with related laws and regulations and standards, and provide corresponding operation entries for the user to select authorization or rejection.
It should be noted that the slave card state monitoring method, device, electronic equipment and storage medium provided by the application can be used in the financial field, and can also be used in any field except the financial field, and the application fields of the slave card state monitoring method, device, electronic equipment and storage medium provided by the application are not limited.
The following first explains some of the noun concepts to which the present application relates:
debit card: a debit card refers to a bank card that has no credit line issued by an issuing bank to a cardholder. The cardholder needs to deposit first and then use, and cannot overdraft.
An accessory card: the accessory card may refer to the accessory card of the debit card described above. In this implementation, the debit card may also be referred to as a master card and the accessory card may also be referred to as a slave card. By way of example, the accessory card may be a bank card or the like that the host card-holder applies to open as a direct relative.
Device Primary Account Number (DPAN) card: the DPAN card refers to a debit device card, such as a mobile end card product that may be used for mobile payment, such as apple pay, samsung pay, etc., and the card medium of the DPAN card may be a cell phone device, etc.
Contract: when a user claims a card product, the user can know and wish to follow the agreement about the claims, the use and the like of the card product under the premise of jointly adhering to the related constraint.
The multi-purpose mechanism of an account of the user, that is, a master card (for example, debit card) of the user can be correspondingly provided with at least one slave card (for example, accessory card and DPAN card), so that the use mode of the same account is enriched. Currently, an accessory card, a DPAN card, etc. bind an account with a master card at the time of application. The accounting actions such as payment for consumption after the slave card are independent of the master card. That is, the slave card is generally indistinguishable in use and function from the master card.
However, the existing use mode of the slave card brings convenience to the user and also creates a certain risk for the security of the account of the user. For example, the slave card may be lost, stolen, or the like during use.
In view of the fact that the existing usage mode of the slave card may cause poor security of the slave card and the account of the master card to which the slave card belongs, the application provides a method for monitoring and controlling the usage state of the slave card, so as to improve the security of the slave card and the account of the master card to which the slave card belongs.
The application provides a slave card state monitoring method, which aims to solve the technical problems in the prior art.
Alternatively, the execution body of the slave card state monitoring method may be, for example, a terminal, or any electronic device with processing capability, such as a server. In some embodiments, the execution body of the slave card status monitoring method may be, for example, a background system corresponding to a mobile banking Application (APP).
Taking the execution body of the slave card state monitoring method as an example of an electronic device, fig. 1 is an exemplary schematic view of an application scenario of the slave card state monitoring method provided by the present application. As shown in fig. 1, the first target terminal may be a terminal device to which the master card to which the slave card belongs is bound. The second target terminal may be the terminal device bound by the slave card.
It should be understood that fig. 1 is merely an exemplary illustration of an application scenario of the slave card status monitoring method, taking a mobile phone (or tablet) as an example of both the first target terminal and the second target terminal. It should be understood that the present application is not limited to the types of the first and second target terminals described above. For example, the first target terminal and the second target terminal may be any terminal device such as a mobile phone, a tablet computer, and the like. Optionally, the type of the first target terminal may be the same as or different from the type of the second target terminal.
In some embodiments, the first target terminal and the second target terminal may also be the same terminal device. That is, the terminal device to which the master card is bound and the terminal device to which the slave card is bound may be the same terminal device. For example, the master card-holder and the slave card-holder may be the same user.
The above-mentioned terminal device to which the master card to which the slave card belongs is bound may refer to a terminal device using a "master card-bound" mobile phone number, for example. The above-described terminal device bound by the slave card may refer to, for example, a terminal device using a "mobile phone number bound by the slave card".
The electronic device may send a warning prompt to the first target terminal when it is determined that the target slave card is consumed abnormally according to the target consumption record of the target slave card, send status verification instruction information to the second target terminal when it receives the first instruction information from the first target terminal, and the like. The electronic device may freeze the target slave card when the slave card status verification feedback information from the second target terminal is received and the slave card status abnormality is determined according to the slave card status verification feedback information.
The following describes the technical scheme of the present application and how the technical scheme of the present application solves the above technical problems in detail with specific embodiments. The following embodiments may be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.
Fig. 2 is a flow chart of a slave card state monitoring method provided by the application. As shown in fig. 2, the method may include the steps of:
s101, acquiring a target consumption record of the target slave card.
For example, one master card may correspond to at least one slave card. The target slave card may be any slave card corresponding to the master card, which is not limited in the present application. Or the electronic device may receive, through the first target terminal, an identification of at least one slave card specified by a user, and use the at least one slave card as the target slave card. It should be understood that the present application is not limited to the type of target slave card and the type of master card to which the target slave card belongs. For example, the target slave card may be an accessory card, a DPAN card, or the like corresponding to the master card. The master card may be, for example, a debit card or the like.
For example, the target consumption record may be all consumption records of the target in a period of time before the current time from the card history consumption records. The period of time may be, for example, one day, or one week, or one month, which is not limited in the present application.
By way of example, the target consumption record may include, for example: at least one of a consumption amount sub-record, a consumption frequency sub-record within a target duration, and a total number of consumption sub-record within the target duration. Alternatively, in some embodiments, the target consumption record may further comprise, for example: transfer amount sub-records, consumption amount sub-records of the commodity of the consumption target class, and the like. The target category may be, for example, that the user passes through the first target terminal, or that the second target terminal is stored in the electronic device in advance. For example, the target category may be any commodity category such as cosmetics, restaurants, and the like.
Alternatively, the target consumption record of the target slave card may be stored in a database. The electronic device may, for example, obtain the target consumption record from the database. Alternatively, the target consumption record of the target slave card may be stored in the electronic device. In this implementation, the electronic device may obtain the target consumption record of the target slave card from the data stored by itself.
S102, if the consumption abnormality of the target slave card is determined according to the consumption record of the target, sending a warning prompt to a first target terminal bound by the master card to which the target slave card belongs.
Wherein the alert prompt may be used to prompt the target to consume anomalies from the card.
Optionally, taking the example that the target consumption record includes a consumption sub-record (such as a consumption amount, or a consumption frequency, or a total number of consumption, etc.), the electronic device may determine that the target consumption slave card is abnormal when the consumption sub-record corresponding value is greater than or equal to a preset value (the preset value may be used to represent a threshold that the target consumption slave card is not abnormal). If the electronic device determines that the consumption sub-record corresponding value is smaller than the preset value, it can be determined that the target slave card consumption is abnormal.
Taking the example that the target consumption record includes multiple consumption sub-records (such as multiple consumption amount, consumption frequency, total consumption times, etc.), optionally, the electronic device may determine, according to each consumption sub-record, a sub-probability that the target corresponding to the consumption sub-record is abnormal when consumed from the card. Then, the electronic device may obtain the probability of the target slave card consumption abnormality according to the sub-probability of the target slave card consumption abnormality corresponding to each consumption sub-record. Then, the electronic device may determine that the target slave card consumes an exception when the probability is greater than or equal to a preset consumption exception probability threshold. If the probability is smaller than a preset consumption abnormality probability threshold, the electronic device can determine that the target slave card consumption is not abnormal.
Or in some embodiments, for example, the electronic device may further determine that the target slave card consumption is abnormal when any one of the sub probabilities of the target slave card consumption abnormality corresponding to the consumption sub records is greater than or equal to a preset consumption abnormality probability threshold. If each sub-probability is smaller than a preset consumption anomaly probability threshold value, the electronic equipment can determine that the consumption of the target slave card is not anomaly.
Optionally, after sending the alert prompt to the first target terminal, the electronic device may display the alert prompt, for example, so that the host card-holder may view the alert prompt. It should be understood that the present application is not limited to how the first target terminal displays the warning prompt. For example, the electronic device may send the warning prompt to the first target terminal in a manner of a short message notification, so that the first target terminal may display the warning prompt in a manner of a short message. Alternatively, taking the first target terminal as an example of installing an Application (APP) that can be used to communicate with the electronic device, for example, a bank APP, the first target terminal may display a warning prompt through the APP.
And S103, if the first indication information returned by the first target terminal in response to the warning prompt is received, the state verification indication information is sent to the second target terminal bound by the target slave card.
The first indication information may be used to indicate status verification of the target slave card.
Fig. 3 is an interface schematic diagram of a first target terminal according to the present application. As shown in fig. 3, the first target terminal may display, for example, the alert prompts described above, as well as a "status verification" control and a "ignore" control. Wherein the slave card 1 may be an identification of the target slave card (e.g., a card number of the slave card, etc.). If the user clicks the "state verification" control, the first target terminal may send the first indication information to the electronic device. Accordingly, the electronic device may receive the first indication information.
After the electronic device sends the state verification indication information to the second target terminal, the second target terminal may receive the state verification indication information accordingly. The second target terminal may then, for example, display the status verification indicating information so that the user (e.g., from the card-holder) may view the status verification indicating information.
S104, receiving the slave card state verification feedback information from the second target terminal, and determining whether the target slave card state is abnormal according to the slave card state verification feedback information.
As a possible implementation manner, after receiving the status verification indication information, the second target terminal collects, for example, user biometric information (such as a face feature, etc.), and obtains, according to the user biometric information, status verification feedback information from the card and sends the feedback information to the electronic device. In this implementation, the electronic device may, for example, obtain the above-described user biometric information from the slave card status verification feedback information, and determine whether the user biometric information matches the pre-stored biometric information of the target slave card holder. If the user biometric information matches the pre-stored biometric information of the target slave card holder, the electronic device may determine that the target slave card status is not abnormal. If the user biometric information does not match the pre-stored biometric information of the target slave card holder, the electronic device may determine that there is an abnormality in the target slave card state.
As another possible implementation, taking as an example that the status verification indication information is used to prompt the target slave card to use the user to input the slave card verification key, the electronic device may obtain the verification key from the slave card status verification feedback information. If the slave card status verification feedback information does not include the target slave card verification key, or the target slave card verification key is different from the preset verification key, indicating that the user currently using the slave card is not the holder of the slave card, the electronic device may determine that the target slave card status is abnormal.
If the electronic device determines that the target slave card state is abnormal based on the slave card state verification feedback information, the electronic device may perform S105 to freeze the target slave card. If the electronic device determines that the slave card state of the target is not abnormal according to the slave card state verification feedback information, the electronic device may execute S106 to send a prompt message for prompting that the slave card state is not abnormal to the first target terminal.
S105, freezing the target slave card.
Optionally, the implementation manner of freezing the target slave card by the electronic device may refer to any existing slave card freezing method, and the present application is not described herein.
In some embodiments, after freezing the target slave card, the electronic device may also send a prompt message to the first target terminal, for example, to prompt that the target slave card is abnormal and has been frozen. By sending the prompt information to the first target terminal, the master card holder can know that the target slave card is abnormal in state and frozen, and user experience is improved.
S106, sending prompt information for prompting that the slave card state is not abnormal to the first target terminal.
Optionally, the electronic device may send the prompt information for prompting that the slave card state is not abnormal to the first target terminal, for example, by using a short message. Or the electronic device may, for example, further send the prompt message to the first target terminal, and display the prompt message through a banking APP installed in the first target terminal. By sending the prompt information for prompting that the slave card state is not abnormal to the first target terminal, the master card holder can know that the target slave card state is not abnormal, and user experience is further improved.
In this embodiment, by the target consumption record of the target slave card, it may be determined whether there is a consumption abnormality of the target slave card. When the consumption abnormality of the target slave card is determined, a warning prompt can be sent to a first target terminal bound with a master card to which the target slave card belongs, so that the first target terminal can respond to the warning prompt to return first indication information for indicating the state verification of the target slave card. By the method, the master card holder is prompted that the target slave card may have abnormality, user experience is improved, and state verification of the target slave card is triggered to continue to execute subsequent slave card state monitoring. By transmitting the status verification indication information to the second target terminal to which the target slave card is bound, it is possible to receive the slave card status verification feedback information from the second target terminal and freeze the target slave card when it is determined that the target slave card is abnormal in status according to the slave card status verification feedback information. By the method, when the state of the target slave card is abnormal, the target slave card is frozen, so that the use safety of the target slave card is improved, the safety of accounts corresponding to the target slave card and the main card is further improved, and the user experience is improved. When the target slave card state is determined to be abnormal, prompt information for prompting that the slave card state is abnormal can be sent to the first target terminal, so that a master card holder can know that the target slave card state is abnormal, and user experience is further improved.
The following target consumption records include: at least one of a consumption amount sub-record and a consumption frequency sub-record in a target duration and a total consumption number sub-record in the target duration is taken as an example, and details are described on how the electronic device determines that the consumption of the target slave card is abnormal according to the target consumption record:
as a possible implementation manner, for any sub-record, the electronic device may determine, according to the sub-record and a preset no-anomaly threshold corresponding to the sub-record, a sub-probability that the target consumption from the card is anomalous. Alternatively, the preset non-abnormal threshold value corresponding to each sub-record may be stored in the electronic device in advance, for example. For example, the preset non-abnormal threshold corresponding to each sub-record may be, for example, a security range (i.e., a range in which the slave card state is not abnormal) of the slave card consumption payment condition item (such as a consumption amount, a consumption frequency, a consumption number, etc.) that needs to be set in the slave card corresponding sub-contract when the target slave card is opened.
For example, the target consumption record includes: for example, the electronic device may obtain the sub-probability 1 of the consumption abnormality of the target slave card according to the consumption amount of the target slave card in the target time period and the preset consumption amount non-abnormal threshold. The electronic device may obtain the sub-probability 2 of the consumption abnormality of the target slave card according to the consumption frequency of the target slave card and a preset consumption frequency abnormality-free threshold. The electronic device may obtain the sub-probability 3 of the consumption abnormality of the target slave card according to, for example, the consumption number of the target slave card in the target duration and the preset consumption number without an abnormality threshold.
For example, the above sub-probability 1 may be positively correlated with a value of "the consumption amount of the target slave card within the target period exceeds the preset consumption amount no abnormality threshold", for example. The sub-probability 2 may be positively correlated with a value of "consumption frequency of the target slave card exceeds a preset consumption frequency no abnormality threshold", for example. The sub-probability 1 may be positively correlated with a value of "the number of times the target slave card consumes in the target period exceeds a preset consumption number no-abnormality threshold", for example.
After the electronic device obtains the sub-probabilities corresponding to the sub-records by the method, for example, the probability of abnormal consumption of the target slave card can be obtained according to the sub-probabilities corresponding to the sub-records. For example, taking the above sub-probability 1, sub-probability 2, and sub-probability 3 as examples, the electronic device may, for example, take a weighted sum of the sub-probabilities 1, 2, and 3 as a target for the probability of abnormal consumption from the card. The weights corresponding to the different sub-probabilities may be, for example, stored in the electronic device in advance. For example, the weights corresponding to the sub-probabilities 1 and 2 may be both 0.4, and the weight corresponding to the sub-probability 3 may be 0.2.
After the electronic device obtains the probability of the target slave card consumption abnormality, the electronic device can determine that the target slave card consumption abnormality when the probability of the target slave card consumption abnormality is greater than or equal to a preset consumption abnormality probability threshold. Alternatively, the preset consumption anomaly probability threshold may be stored in the electronic device in advance, for example. For example, the preset consumption anomaly probability threshold may be 80%, i.e., 0.8.
In some embodiments, the preset non-abnormal threshold corresponding to each sub-record may be, for example, a historical consumption record corresponding to the target slave card by the electronic device, or the preset target slave card holder's consumption habit is pre-generated and stored in the electronic device.
In this embodiment, the sub-probability of the abnormal consumption of the target slave card corresponding to each sub-record is determined through at least one sub-record, such as a consumption amount sub-record and a consumption frequency sub-record, in the target duration included in the target consumption record, and a total number of consumption sub-record in the target duration. And then obtaining the probability of consumption abnormality of the target slave card through the sub-probabilities corresponding to the sub-records, and determining whether the consumption abnormality exists in the target slave card or not based on the probability. By the method, whether the target slave card has consumption abnormality or not is determined based on at least one sub-record, accuracy of determining whether the target slave card has consumption abnormality or not is improved, possibility of sending a warning prompt to the first target terminal by mistake is reduced, and therefore user experience is further improved.
In some embodiments, the electronic device may further update the preset no-anomaly threshold corresponding to the sub-record, so as to further improve user experience.
For example, the electronic device may receive second indication information "including the modified preset no-abnormality threshold value corresponding to each sub-record" from the first target terminal, and then update the preset no-abnormality threshold value corresponding to the sub-record using the modified preset no-abnormality threshold value.
For example, the host card-holder may send the second instruction information to the electronic device through the first target terminal when it is necessary to reduce the number of times the first target terminal receives the warning prompt. In this example, the modified preset no-anomaly threshold value may be greater than the original preset no-anomaly threshold value. The master card holder may, for example, send the second instruction information to the electronic device via the first target terminal when it is desired to increase consumption control over target slave rights. In this example, the modified preset no-anomaly threshold value may be less than the original preset no-anomaly threshold value.
Alternatively, the warning prompt may be used to prompt whether to modify the preset no-anomaly threshold. In the implementation manner, the first target terminal may respond to the user-triggered modification operation of the preset non-abnormal threshold, and receive the modified preset non-abnormal threshold input by the user. And then the first target terminal can send second indication information comprising the modified preset abnormality-free threshold to the electronic equipment. In this implementation manner, the electronic device may execute the foregoing step of determining, according to the sub-record and the preset no-abnormality threshold corresponding to the sub-record, the sub-probability that the target consumption from the card is abnormal after updating the preset no-abnormality threshold corresponding to the sub-record using the modified preset no-abnormality threshold. By the method, the electronic equipment timely responds to the preset abnormal-free threshold value modified by the user, the user requirement is timely met, and the user experience is further improved.
By the method, the master card holder can flexibly adjust the preset abnormality-free threshold corresponding to the sub-record according to personal requirements, flexibility of determining whether consumption abnormality exists in the target slave card is improved, and user experience is further improved. For example, the master card holder can increase the preset non-abnormal threshold corresponding to the sub-record, so as to reduce the situation that the electronic device determines that the consumption abnormality exists in the target slave card, further reduce the number of times that the electronic device sends a warning prompt to the first target terminal, reduce the disturbance to the user (such as the master card holder) using the first target terminal, and improve the user experience.
The following describes in detail how the electronic device determines that the target slave card is abnormal according to the slave card status verification feedback information, taking the status verification instruction information for prompting the target slave card to use the user to input the slave card verification key as an example:
as one possible implementation, if the slave card status verification feedback information does not include the target slave card verification key, or the target slave card verification key is different from the preset verification key, it is indicated that the user consuming using the target slave card may not be the holder of the target slave card. Thus, the electronic device may determine that the target slave card state is abnormal. By the target slave card verification key, whether the state of the target slave card is abnormal can be determined, the state of the target slave card is monitored, and the use safety of the target slave card is improved. Alternatively, the preset verification key may be stored in the electronic device in advance.
In some embodiments, the electronic device may first obtain a mapping relationship between a main contract and a sub-contract, for example. Wherein the master contract is a contract of a master card to which the target slave card belongs. The sub-contract is a contract of the target slave card. The mapping relationship between the main contract and the sub contract may include: and the mapping sub-relationship between the identification of the target slave card and the preset verification key. Then, the electronic device may obtain the preset verification key from the mapping relationship. Alternatively, the identification of the target slave card may be obtained in advance for the electronic device, for example, a card number of the target slave card, or the like.
Illustratively, when a slave card applies for opening, it may be opened as a sub-contract of the master card, depending on the master contract. The main contract and the sub contract establish a link and agree on the above-mentioned preset authentication key for authentication from the card state.
In this embodiment, by the mapping relationship between the main contract and the sub contract, not only the information synchronization update between the main contract and the sub contract can be promoted, but also part of the information sharing between the main contract and the sub contract can be utilized. The verification mechanism of the slave card is provided for the master card, namely, the preset verification key is obtained from the mapping relation between the master contract and the sub contract, so that a foundation is laid for determining whether the state of the target slave card is abnormal, and the state monitoring of the target slave card is realized.
As a possible implementation manner, if the electronic device does not receive the first indication information within a preset period of time, it is indicated that the main cardholder (or called the holder) may not timely see the first indication information. Optionally, the electronic device may further send a warning prompt to the first target terminal again until the first indication information is received, or "third indication information for indicating that the status of the target slave card is not verified" is received.
The preset duration may be, for example, stored in the electronic device in advance.
For example, taking fig. 3 as an example, if the user clicks the "ignore" control, the first target terminal does not send the first indication information to the electronic device, but sends "third indication information for indicating that the status of the target slave card is not verified". Accordingly, the electronic device may receive the third indication information.
Alternatively, the electronic device may not perform status monitoring on the target slave card (e.g., not perform the foregoing steps S103-S106) in response to the third instruction information.
In some embodiments, if the electronic device does not receive the first indication information within a preset period of time, for example, the electronic device may further automatically dial a mobile phone number of the master card holder, so as to prompt the master card holder that the slave card may have abnormal consumption.
In this embodiment, when the first indication information is not received within the preset duration, by sending the warning prompt to the first target terminal again until the first indication information is received, or receiving the third indication information for indicating that the state verification is not performed on the target slave card, the probability that the master card holder sees the first indication information is improved, further, the state monitoring on the target slave card is continuously performed, and the user experience is improved.
As a possible implementation manner, the electronic device may further receive fourth indication information from the first target terminal, for indicating that the warning prompt is not received within the target period. Then, the electronic device may not transmit a warning prompt to the first target terminal for a target period of time in response to the fourth indication information. According to the method, the electronic equipment can not receive the warning prompt in the target time period according to the user requirement, so that the flexibility of monitoring the state of the slave card is improved, and the user experience is further improved.
For example, the user (e.g., the host card holder) may set the target time period through, for example, a setting interface of the bank APP installed in the first target terminal, and trigger the first target terminal to send the fourth indication information to the electronic device.
Optionally, after the target period of time has elapsed, the electronic device may, for example, continue to execute the method for monitoring the status of the slave card according to any of the foregoing embodiments, so as to improve the security of use of the slave card and the master card.
The following exemplifies the slave card status monitoring method by taking the electronic device through the sub-contract module, the warning triggering module and the status verification module as examples:
when a slave card (e.g., an accessory card and a DPAN card) applies for opening, it is opened as a sub-contract of the master card, depending on the master contract. The main contract and the sub-contracts establish a link and agree on a verification key for verification from the card state, while the sub-contracts need to set a security range (such as a preset no-anomaly threshold value corresponding to each of the aforementioned sub-records) of the sub-card consumption payment case items (such as consumption frequency, consumption amount, consumption number, etc.). The method is used as a sub-contract of the main card, the main contract and the sub-contract are opened depending on the main contract, the main contract and the sub-contract are linked, and meanwhile, the state verification key of the sub-card and the security range of the consumption payment condition are set. The electronic equipment can acquire a preset abnormality-free threshold value, a preset verification key and the like corresponding to each sub-record through the sub-contract module.
In a specific time interval, the electronic equipment can count the consumption payment condition of the slave card through the warning trigger module, determine the sub-probability of the consumption abnormality of the target slave card corresponding to each sub-record, and obtain the probability of the consumption abnormality of the target slave card according to the sub-probability corresponding to each sub-record. If the probability is greater than 0.8 (or 80% of the consumption behavior is not within the security range set when the subcontract is opened), the background processing system (or the electronic device) corresponding to the bank APP may issue a warning to the first target terminal of the main cardholder. When the master cardholder receives the alert, it may be chosen whether to initiate verification of the status of the slave card (i.e. the first indication as described above) or to manage the usage rights of the slave card (i.e. the second indication as described above).
When the master cardholder initiates the state verification of the slave card, the electronic device may indicate through the state verification module that the slave cardholder needs to complete the verification of the slave card state through a verification key (preset verification key) check recorded by a "master contract-sub contract" link. If the system information checks to fail, indicating that the slave card is in an abnormal state, the system may directly freeze the slave card and notify the master card holder. If the information check is successful, the system can inform the master card holder that the slave card is normal.
In this embodiment, first, when a slave card (for example, an accessory card and a DPAN card) applies for opening, not only the master account associated with the master card but also the slave card may be opened as a sub-contract of the master card depending on the master contract. The main contract and the sub contract are linked, so that the tight connection between the main card and the sub card is increased, the sub contract can synchronously update the modified content of the main contract of the main card, and can also jointly agree with part of key information including the state verification key, the consumption habit of the slave card holder and the like when the sub contract is opened, so that the key information can be used for the state verification of the main card to the slave card, and the accuracy of the state verification of the slave card is improved. Second, when the consumption payment condition (such as consumption frequency, consumption amount, consumption times) of the slave card does not accord with the aforementioned security range set when the slave card holder opens the sub-contract, the electronic device may issue a warning prompt to the master card holder according to the "sub-contract-master contract" link established when the sub-contract opens. The master cardholder may initiate a slave card status verification to verify whether the slave card status is normal or not in order to make corresponding administration measures based on the slave card status.
By the method, the master card can verify the use state of the slave card in the use process of the slave card (such as an accessory card and a DPAN card), and when the slave card has abnormal conditions (such as loss, embezzlement and the like), a master card holder can perceive and make corresponding limiting measures, so that an effective management mechanism for other users of the same account is provided for the master card holder, and the use safety of the master card and the slave card is improved.
Fig. 4 is a schematic structural diagram of a slave card status monitoring device according to an embodiment of the present application. As shown in fig. 4, the apparatus may include: the device comprises an acquisition module 21, a first transmission module 22, a first processing module 23 and a second transmission module 24. Wherein, the liquid crystal display device comprises a liquid crystal display device,
the obtaining module 21 is configured to obtain a target consumption record of the target slave card.
The first transmission module 22 is configured to send a warning prompt to a first target terminal bound to a master card to which the target slave card belongs when it is determined that the target slave card consumes abnormally according to the target consumption record; and when receiving first indication information returned by the first target terminal in response to the warning prompt, sending state verification indication information to a second target terminal bound by the target slave card, and receiving slave card state verification feedback information from the second target terminal. Wherein the alert prompt is for prompting that the target slave card consumes an exception. The first indication information is used for indicating to perform state verification on the target slave card.
The first processing module 23 is configured to freeze the target slave card when it is determined that the target slave card is abnormal according to the slave card status verification feedback information.
And the second transmission module 24 is used for sending prompt information for prompting that the slave card state is not abnormal to the first target terminal when the slave card state verification feedback information determines that the target slave card state is not abnormal.
Optionally, the apparatus may further include a second processing module 25 to record, with the target consumption, including: the second processing module 25 may be configured to determine, for at least one of the consumption amount sub-record and the consumption frequency sub-record in the target duration, and optionally, for any one of the sub-records in the target duration, a sub-probability of consumption abnormality of the target slave card according to the sub-record and a preset abnormality-free threshold corresponding to the sub-record; obtaining the probability of abnormal consumption of the target slave card according to the sub-probability corresponding to each sub-record; and when the consumption abnormality probability of the target slave card is greater than or equal to a preset consumption abnormality probability threshold, determining that the consumption of the target slave card is abnormal.
Optionally, the first transmission module 22 may be further configured to receive second indication information from the first target terminal. Wherein the second indication information includes: and the modified preset abnormal-free threshold value corresponding to each sub-record. Optionally, the second processing module 25 may be further configured to update the preset no-abnormality threshold corresponding to the sub-record using the modified preset no-abnormality threshold.
Taking the state verification indication information as an example for prompting the target slave card to use the user to input the slave card verification key, the first processing module 23 is specifically configured to determine that the target slave card state is abnormal when the slave card state verification feedback information does not include the target slave card verification key, or the target slave card verification key is different from a preset verification key.
Optionally, the first processing module 23 is further configured to obtain a mapping relationship between the main contract and the sub-contract; and acquiring the preset verification key from the mapping relation. Wherein the master combination is about a contract of a master card to which the target slave card belongs, and the sub combination is about a contract of the target slave card; the mapping relation comprises the following steps: and the mapping sub-relationship between the identification of the target slave card and the preset verification key.
Optionally, the first transmission module 22 is further configured to send the warning prompt to the first target terminal again when the first indication information is not received within a preset duration, until the first indication information is received, or is further configured to indicate a third indication information that does not perform state verification on the target slave card.
Optionally, the first transmission module 22 is further configured to receive fourth indication information from the first target terminal; and responding to the fourth indication information, and not sending the warning prompt to the first target terminal in the target time period. The fourth indication information is used for indicating that the warning prompt is not received in a target time period.
The slave card state monitoring device provided by the embodiment of the application can execute the slave card state monitoring method in the method embodiment, and the implementation principle and the technical effect are similar, and are not repeated here.
Fig. 5 is a schematic structural diagram of an electronic device according to the present application. The electronic device may be, for example, the aforementioned host device. As shown in fig. 5, the electronic device 300 may include: at least one processor 301 and a memory 302.
A memory 302 for storing a program. In particular, the program may include program code including computer-operating instructions.
Memory 302 may comprise high-speed RAM memory or may also include non-volatile memory (non-volatile memory), such as at least one disk memory.
The processor 301 is configured to execute computer-executable instructions stored in the memory 302 to implement the slave card status monitoring method described in the foregoing method embodiments. The processor 301 may be a central processing unit (Central Processing Unit, abbreviated as CPU), or an application specific integrated circuit (Application Specific Integrated Circuit, abbreviated as ASIC), or one or more integrated circuits configured to implement embodiments of the present application.
Optionally, the electronic device 300 may further comprise a communication interface 303. In a specific implementation, if the communication interface 303, the memory 302, and the processor 301 are implemented independently, the communication interface 303, the memory 302, and the processor 301 may be connected to each other and perform communication with each other through buses. The bus may be an industry standard architecture (Industry Standard Architecture, abbreviated ISA) bus, an external device interconnect (Peripheral Component, abbreviated PCI) bus, or an extended industry standard architecture (Extended Industry Standard Architecture, abbreviated EISA) bus, among others. Buses may be divided into address buses, data buses, control buses, etc., but do not represent only one bus or one type of bus.
Alternatively, in a specific implementation, if the communication interface 303, the memory 302, and the processor 301 are integrated on a chip, the communication interface 303, the memory 302, and the processor 301 may complete communication through internal interfaces.
The present application also provides a computer-readable storage medium, which may include: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a magnetic disk or an optical disk, etc., in which program codes may be stored, and in particular, the computer-readable storage medium stores program instructions for the methods in the above embodiments.
The present application also provides a program product comprising execution instructions stored in a readable storage medium. The at least one processor of the computing device may read the execution instructions from the readable storage medium, the execution instructions being executed by the at least one processor to cause the computing device to implement the slave card status monitoring method described above.
Other embodiments of the application will be apparent to those skilled in the art from consideration of the specification and practice of the application disclosed herein. This application is intended to cover any variations, uses, or adaptations of the application following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the application pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the application being indicated by the following claims.
It is to be understood that the application is not limited to the precise arrangements and instrumentalities shown in the drawings, which have been described above, and that various modifications and changes may be effected without departing from the scope thereof. The scope of the application is limited only by the appended claims.
Claims (10)
1. A slave card status monitoring method, the method comprising:
Acquiring a target consumption record of a target slave card;
if the target slave card consumption abnormality is determined according to the target consumption record, sending a warning prompt to a first target terminal bound by a master card to which the target slave card belongs; the warning prompt is used for prompting that the consumption of the target slave card is abnormal;
if the first indication information returned by the first target terminal in response to the warning prompt is received, sending state verification indication information to a second target terminal bound by the target slave card; the first indication information is used for indicating to perform state verification on the target slave card;
receiving slave card state verification feedback information from the second target terminal, and freezing the target slave card when the target slave card state abnormality is determined according to the slave card state verification feedback information;
and if the target slave card state is determined to be abnormal according to the slave card state verification feedback information, sending prompt information for prompting that the slave card state is abnormal to the first target terminal.
2. The method of claim 1, wherein the target consumption record comprises: at least one of a consumption amount sub-record and a consumption frequency sub-record in a target duration, and a total number of consumption sub-record in the target duration, wherein determining that the target slave card consumes abnormally according to the target consumption record comprises:
Aiming at any sub-record, determining the sub-probability of the consumption abnormality of the target slave card according to the sub-record and a preset abnormality-free threshold corresponding to the sub-record;
obtaining the probability of abnormal consumption of the target slave card according to the sub-probability corresponding to each sub-record;
and when the consumption abnormality probability of the target slave card is greater than or equal to a preset consumption abnormality probability threshold, determining that the consumption of the target slave card is abnormal.
3. The method according to claim 2, wherein the method further comprises:
receiving second indication information from the first target terminal, wherein the second indication information comprises: the modified preset abnormal-free threshold value corresponding to each sub-record;
and updating the preset non-abnormal threshold corresponding to the sub-record by using the modified preset non-abnormal threshold.
4. A method according to any one of claims 1-3, wherein the status verification indication information is used to prompt the target slave card to use a user input slave card verification key; the determining that the target slave card state is abnormal according to the slave card state verification feedback information comprises the following steps:
and if the slave card state verification feedback information does not comprise the target slave card verification key, or the target slave card verification key is different from a preset verification key, determining that the target slave card state is abnormal.
5. The method according to claim 4, wherein the method further comprises:
obtaining a mapping relation between a main contract and a sub contract; the master combination is about the contract of the master card to which the target slave card belongs, and the sub combination is about the contract of the target slave card; the mapping relation comprises the following steps: a mapping sub-relationship between the identification of the target slave card and the preset verification key;
and acquiring the preset verification key from the mapping relation.
6. A method according to any one of claims 1-3, wherein the method further comprises:
and if the first indication information is not received within the preset time, sending the warning prompt to the first target terminal again until the first indication information is received, or third indication information for indicating that the state verification of the target slave card is not performed.
7. A method according to any one of claims 1-3, wherein the method further comprises:
receiving fourth indication information from the first target terminal, wherein the fourth indication information is used for indicating that the warning prompt is not received in a target time period;
and responding to the fourth indication information, and not sending the warning prompt to the first target terminal in the target time period.
8. A slave card status monitoring apparatus, the apparatus comprising:
the acquisition module is used for acquiring a target consumption record of the target slave card;
the first transmission module is used for sending a warning prompt to a first target terminal bound by a master card to which the target slave card belongs when the consumption abnormality of the target slave card is determined according to the target consumption record; when receiving first indication information returned by the first target terminal in response to the warning prompt, sending state verification indication information to a second target terminal bound by the target slave card; receiving slave card state verification feedback information from the second target terminal; the warning prompt is used for prompting that the consumption of the target slave card is abnormal; the first indication information is used for indicating to perform state verification on the target slave card;
the first processing module is used for freezing the target slave card when the state of the target slave card is abnormal according to the slave card state verification feedback information;
and the second transmission module is used for sending prompt information for prompting that the slave card state is not abnormal to the first target terminal when the slave card state verification feedback information determines that the target slave card state is not abnormal.
9. An electronic device comprising a memory and a processor;
the memory stores a computer program;
the processor being arranged to perform the method of any of claims 1-7 by means of the computer program.
10. A computer readable storage medium having stored thereon computer executable instructions which, when executed by a processor, implement the method of any of claims 1-7.
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