CN116842980A - Mobile card issuing method, system, medium and equipment based on NFC communication of mobile phone - Google Patents
Mobile card issuing method, system, medium and equipment based on NFC communication of mobile phone Download PDFInfo
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- CN116842980A CN116842980A CN202310112853.3A CN202310112853A CN116842980A CN 116842980 A CN116842980 A CN 116842980A CN 202310112853 A CN202310112853 A CN 202310112853A CN 116842980 A CN116842980 A CN 116842980A
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- 238000004891 communication Methods 0.000 title claims abstract description 31
- 238000000034 method Methods 0.000 title claims abstract description 31
- 238000012545 processing Methods 0.000 claims abstract description 44
- 238000012795 verification Methods 0.000 claims abstract description 18
- 238000013475 authorization Methods 0.000 claims abstract description 8
- 238000004590 computer program Methods 0.000 claims description 10
- 238000001574 biopsy Methods 0.000 claims description 8
- 230000008569 process Effects 0.000 claims description 8
- 238000005516 engineering process Methods 0.000 abstract description 6
- 238000012015 optical character recognition Methods 0.000 description 21
- RWSOTUBLDIXVET-UHFFFAOYSA-N Dihydrogen sulfide Chemical compound S RWSOTUBLDIXVET-UHFFFAOYSA-N 0.000 description 3
- 230000007547 defect Effects 0.000 description 3
- 230000006870 function Effects 0.000 description 3
- 230000002093 peripheral effect Effects 0.000 description 3
- 238000011161 development Methods 0.000 description 2
- 230000003993 interaction Effects 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 230000006978 adaptation Effects 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 238000012423 maintenance Methods 0.000 description 1
Abstract
The application provides a mobile card issuing method, a mobile card issuing system, a mobile card issuing medium and mobile card issuing equipment based on NFC communication of a mobile phone, comprising the following steps: entering a debit card opening main interface; the OCR unit recognizes the customer certificate information, and the face recognition unit performs customer identity verification; the NFC bank card reading unit reads the debit card number and the card encryption information, and sets a card password through the security keyboard; the mobile card-issuing terminal image acquisition control acquires photo information of the front side of the identity card, the back side of the identity card, the identity card license held by a client and the site photo; the mobile card-issuing terminal invokes a handwritten signature uploading unit to collect client signature information; and the information data processing server completes card opening transaction for the client according to the card opening authorization information. According to the application, the NFC technology of the mobile equipment is adopted, and the PBOC protocol is adopted to interact with the financial IC card to obtain the IC card number and the IC card encryption verification information, so that the problems of inconvenient carrying and unstable Bluetooth connection of the traditional back clamp in the exhibition industry are solved.
Description
Technical Field
The application relates to the technical field of banking business, in particular to a mobile card issuing method, a mobile card issuing system, a mobile card issuing medium and mobile card issuing equipment based on NFC communication of a mobile phone.
Background
In a strong market competition environment, the difficulty of getting customers from small and medium commercial banks becomes a pain point for the development of banking business. Traditional banking requires customers to transact at banking sites. In order to improve the service level and the service quality, a service manager needs a tool for serving clients anytime and anywhere, and a palm business hall mode is to hold a mobile phone to directly transact the service for the clients, so that the palm business hall mode becomes a general service mode of a modern service type enterprise.
However, when the customer manager expands the business outdoors and transacts the business for the customer, the customer is often required to transact the card issuing and account opening business first. At this time, the business personnel needs to carry the portable peripheral equipment again to finish the IC card reading operation. However, the existing peripheral mode of adding back clamps to a tablet personal computer has the defects of heavy weight and limited equipment quantity, and cannot achieve the aim of handling at any time and any place immediately.
Patent document with publication number CN111178873a discloses a payment method and device based on near field communication technology NFC, which are used for performing payment and payment operations based on NFC while not increasing cost, and improving convenience of payment and payment operations based on NFC. The NFC-based collection method comprises the following steps: acquiring payment order information, wherein the payment order information comprises order amount; requesting a payment user to select a financial integrated circuit IC card for payment; after determining that connection is established with a financial IC card of the payment user based on NFC, acquiring a payment password of the financial IC card and transaction data of the financial IC card; digitally signing transaction data of the financial IC card, the order amount and a payment password of the financial IC card by utilizing a signing key obtained from a payment platform in advance to generate a transaction message; and sending the transaction message to a payment platform for payment.
Aiming at the related technology, the inventor considers that the traditional back clamp for the exhibition industry is inconvenient to carry, the Bluetooth connection is unstable, and the mobile equipment and the back clamp cannot be universally adapted. Therefore, a new solution is needed to improve the above technical problems.
Disclosure of Invention
Aiming at the defects in the prior art, the application aims to provide a mobile card issuing method, a mobile card issuing system, a mobile card issuing medium and mobile card issuing equipment based on NFC communication of a mobile phone.
The application provides a mobile card issuing method based on NFC communication of a mobile phone, which comprises the following steps:
step S1: entering a debit card opening main interface through a debit card opening unit of the mobile card sending terminal;
step S2: the OCR unit of the mobile card sending terminal recognizes the customer certificate information, and the face recognition unit performs customer identity verification;
step S3: the NFC bank card reading unit of the mobile card issuing terminal reads the debit card number and the card encryption information, and sets a card password through the security keyboard;
step S4: the mobile card-issuing terminal image acquisition control acquires photo information of the front side of the identity card, the back side of the identity card, the identity card license held by a client and the site photo;
step S5: the mobile card-issuing terminal invokes a handwritten signature uploading unit to collect client signature information;
step S6: and the information data processing server completes card opening transaction for the client according to the card opening authorization information.
Preferably, the mobile card issuing terminal in the step S2 includes an OCR certificate recognition unit, a face recognition unit, an NFC bank card reading unit and a handwritten signature uploading unit;
the OCR certificate recognition unit sends the recognized information to the information data processing server, and the information data processing server processes the recognized information and feeds back the customer identity information to the mobile card issuing terminal for display.
Preferably, the face recognition unit collects the client biopsy information, and cooperates with the client certificate information to send to the information data processing server, the information processor uses the face verification system to check, and returns the checking result to the mobile card issuing terminal; and the mobile card issuing terminal judges whether the card can be opened according to the checking.
Preferably, the information data processing server in the step S6 includes an OCR document recognition unit, a face recognition unit, a card system card issuing unit, an ATM and online banking subscription processing unit.
The application also provides a mobile card issuing system based on NFC communication of the mobile phone, which comprises the following modules:
module M1: entering a debit card opening main interface through a debit card opening unit of the mobile card sending terminal;
module M2: the OCR unit of the mobile card sending terminal recognizes the customer certificate information, and the face recognition unit performs customer identity verification;
module M3: the NFC bank card reading unit of the mobile card issuing terminal reads the debit card number and the card encryption information, and sets a card password through the security keyboard;
module M4: the mobile card-issuing terminal image acquisition control acquires photo information of the front side of the identity card, the back side of the identity card, the identity card license held by a client and the site photo;
module M5: the mobile card-issuing terminal invokes a handwritten signature uploading unit to collect client signature information;
module M6: and the information data processing server completes card opening transaction for the client according to the card opening authorization information.
Preferably, the mobile card issuing terminal in the module M2 includes an OCR certificate recognition unit, a face recognition unit, an NFC bank card reading unit and a handwritten signature uploading unit;
the OCR certificate recognition unit sends the recognized information to the information data processing server, and the information data processing server processes the recognized information and feeds back the customer identity information to the mobile card issuing terminal for display.
Preferably, the face recognition unit collects the client biopsy information, and cooperates with the client certificate information to send to the information data processing server, the information processor uses the face verification system to check, and returns the checking result to the mobile card issuing terminal; and the mobile card issuing terminal judges whether the card can be opened according to the checking.
Preferably, the information data processing server in the module M6 includes an OCR document recognition unit, a face recognition unit, a card system card issuing unit, an ATM and online banking subscription processing unit.
The application also provides a computer readable storage medium storing a computer program, which when being executed by a processor, realizes the steps of the mobile card issuing method based on mobile phone NFC communication.
The application also provides an electronic device, which comprises a memory, a processor and a computer program stored in the memory and capable of running on the processor, wherein the computer program realizes the steps of the mobile card issuing method based on the NFC communication of the mobile phone when being executed by the processor.
Compared with the prior art, the application has the following beneficial effects:
1. according to the application, a NFC near field communication technology of the mobile equipment is adopted, and command interaction is carried out with a financial IC card through a PBOC protocol, so that an IC card number and IC card encryption verification information are obtained, the problems that a traditional back clamp in the exhibition industry is inconvenient to carry, bluetooth connection is unstable and the like are solved, and the mobile equipment and the back clamp cannot be universally adapted, so that the mobile equipment is replaced without re-adapting and developing the back clamp communication protocol;
2. according to the application, the NFC bank card reading module of the mobile device is called, and the financial IC card information is read through a standard protocol, so that the problem that the traditional mobile card opening system depends on external Bluetooth back clamp equipment and the system universality is low is solved, and the integrity, confidentiality, safety and traceability of the whole card issuing process are ensured by adopting the digital signature.
Drawings
Other features, objects and advantages of the present application will become more apparent upon reading of the detailed description of non-limiting embodiments, given with reference to the accompanying drawings in which:
fig. 1 is a flow schematic of the present application.
Detailed Description
The present application will be described in detail with reference to specific examples. The following examples will assist those skilled in the art in further understanding the present application, but are not intended to limit the application in any way. It should be noted that variations and modifications could be made by those skilled in the art without departing from the inventive concept. These are all within the scope of the present application.
Example 1:
the application provides a mobile card issuing method based on NFC communication of a mobile phone, which comprises the following steps:
step S1: entering a debit card opening main interface through a debit card opening unit of the mobile card sending terminal;
step S2: the OCR unit of the mobile card sending terminal recognizes the customer certificate information, and the face recognition unit performs customer identity verification;
step S3: the NFC bank card reading unit of the mobile card issuing terminal reads the debit card number and the card encryption information, and sets a card password through the security keyboard;
step S4: the mobile card-issuing terminal image acquisition control acquires photo information of the front side of the identity card, the back side of the identity card, the identity card license held by a client and the site photo;
step S5: the mobile card-issuing terminal invokes a handwritten signature uploading unit to collect client signature information;
step S6: and the information data processing server completes card opening transaction for the client according to the card opening authorization information.
The mobile card issuing terminal in the step S2 comprises an OCR certificate recognition unit, a face recognition unit, an NFC bank card reading unit and a handwriting signature uploading unit;
the OCR certificate recognition unit sends the recognized information to the information data processing server, and the information data processing server processes the recognized information and feeds back the customer identity information to the mobile card issuing terminal for display.
The face recognition unit collects the client biopsy information, and cooperates with the client certificate information to send to the information data processing server, and the information processor calls the face verification system to check and returns the checking result to the mobile card issuing terminal; and the mobile card issuing terminal judges whether the card can be opened according to the checking.
The information data processing server in the step S6 comprises an OCR certificate recognition unit, a face recognition unit, a card system card issuing unit, an ATM and an online banking signing processing unit.
The application also provides a computer readable storage medium storing a computer program, which when being executed by a processor, realizes the steps of the mobile card issuing method based on mobile phone NFC communication.
The application also provides an electronic device, which comprises a memory, a processor and a computer program stored in the memory and capable of running on the processor, wherein the computer program realizes the steps of the mobile card issuing method based on the NFC communication of the mobile phone when being executed by the processor.
The application also provides a mobile card issuing system based on the mobile NFC communication, which can be realized by executing the flow steps of the mobile card issuing method based on the mobile NFC communication, namely, a person skilled in the art can understand the mobile card issuing method based on the mobile NFC communication as a preferred implementation mode of the mobile card issuing system based on the mobile NFC communication.
Example 2:
the application also provides a mobile card issuing system based on NFC communication of the mobile phone, which comprises the following modules:
module M1: entering a debit card opening main interface through a debit card opening unit of the mobile card sending terminal;
module M2: the OCR unit of the mobile card sending terminal recognizes the customer certificate information, and the face recognition unit performs customer identity verification;
module M3: the NFC bank card reading unit of the mobile card issuing terminal reads the debit card number and the card encryption information, and sets a card password through the security keyboard;
module M4: the mobile card-issuing terminal image acquisition control acquires photo information of the front side of the identity card, the back side of the identity card, the identity card license held by a client and the site photo;
module M5: the mobile card-issuing terminal invokes a handwritten signature uploading unit to collect client signature information;
module M6: and the information data processing server completes card opening transaction for the client according to the card opening authorization information.
The mobile card issuing terminal in the module M2 comprises an OCR certificate recognition unit, a face recognition unit, an NFC bank card reading unit and a handwriting signature uploading unit;
the OCR certificate recognition unit sends the recognized information to the information data processing server, and the information data processing server processes the recognized information and feeds back the customer identity information to the mobile card issuing terminal for display.
The face recognition unit collects the client biopsy information, and cooperates with the client certificate information to send to the information data processing server, and the information processor calls the face verification system to check and returns the checking result to the mobile card issuing terminal; and the mobile card issuing terminal judges whether the card can be opened according to the checking.
The information data processing server in the module M6 comprises an OCR certificate recognition unit, a face recognition unit, a card system card issuing unit, an ATM and online banking signing processing unit.
Example 3:
the application is used for business bank debit card business transaction and mobile business transaction expansion. The portable type portable hardware device aims at solving the problem that the traditional hardware device is inconvenient to carry when going out. And under the condition of no card reader peripheral equipment, reading IC card information by using a mobile phone NFC bank card reading module, and finishing card opening business transaction.
According to the application, the NFC near field communication technology of the mobile device is adopted, the PBOC protocol is adopted to interact with the financial IC card to obtain the IC card number and the IC card encryption verification information, so that the problems that the traditional back clamp for the exhibition industry is inconvenient to carry, the Bluetooth connection is unstable and the like are solved, and the mobile device and the back clamp cannot be universally adapted, so that the mobile device is replaced without re-adapting and developing the back clamp communication protocol.
A bank card opening system based on a mobile equipment NFC bank card reading module comprises a mobile card issuing terminal and an information data processing server.
The mobile card-issuing terminal card-issuing function mainly comprises an OCR certificate recognition module, a face recognition module, an NFC bank card reading module and a handwritten signature uploading module.
And the OCR certificate recognition module of the mobile card-issuing terminal sends the recognized information to the information data processing server, and the information data processing server processes the recognized information and feeds back the client identity information to the mobile card-issuing terminal for display.
The mobile card issuing terminal face recognition module collects the client biopsy information, and sends the client biopsy information to the information data processing server in cooperation with the client certificate information, and the information processor is used for checking by using a face verification system and returning a checking result to the mobile card issuing terminal. The terminal judges whether a financial IC card can be opened according to the checking.
The information data processing server comprises an OCR (optical character recognition) module, a face recognition module, a card system card issuing module, an ATM (automatic teller machine) and online banking subscription processing module and the like.
A bank card opening system based on a mobile equipment NFC bank card reading module is applied to commercial bank mobile business expansion.
1. The user clicks the main interface "debit card open" module to enter the debit card open main interface.
2. And the OCR module of the mobile card issuing terminal recognizes the client certificate information, and the face recognition module performs client identity verification.
3. And the NFC bank card reading module of the mobile card issuing terminal reads the debit card number and the card encryption information, and sets a card password through the security keyboard.
4. The mobile card-issuing terminal image acquisition control acquires photo information such as the front side of the identity card, the back side of the identity card, the identity card license held by a client, the site photo and the like.
5. And the mobile card issuing terminal invokes a handwritten signature uploading module to collect the client signature information.
6. And the information data processing server completes card opening transaction for the client according to the card opening authorization information.
Most of the mobile exhibition industry systems on the market currently rely on independent Bluetooth back splint equipment, and the equipment is heavy and inconvenient to carry. The customer manager needs to carry the matched intelligent mobile terminal besides carrying the Bluetooth back splint equipment. If the back splint equipment model is replaced, additional code adaptation development is needed, and the maintenance workload of the system is increased.
Aiming at the defect that the prior art relies on the traditional Bluetooth back splint equipment, the application provides a paperless, wireless and portable mobile card opening system based on an NFC terminal, which comprises a mobile terminal with an NFC bank card reading module, a financial IC card which adopts an integrated circuit technology and can store information such as keys, digital certificates, fingerprints and the like, and a mobile exhibition program comprises APDU command interaction of EMV standard with the financial IC through the NFC bank card reading module in the NFC terminal.
The present embodiment will be understood by those skilled in the art as more specific descriptions of embodiment 1 and embodiment 2.
Those skilled in the art will appreciate that the application provides a system and its individual devices, modules, units, etc. that can be implemented entirely by logic programming of method steps, in addition to being implemented as pure computer readable program code, in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Therefore, the system and various devices, modules and units thereof provided by the application can be regarded as a hardware component, and the devices, modules and units for realizing various functions included in the system can also be regarded as structures in the hardware component; means, modules, and units for implementing the various functions may also be considered as either software modules for implementing the methods or structures within hardware components.
The foregoing describes specific embodiments of the present application. It is to be understood that the application is not limited to the particular embodiments described above, and that various changes or modifications may be made by those skilled in the art within the scope of the appended claims without affecting the spirit of the application. The embodiments of the application and the features of the embodiments may be combined with each other arbitrarily without conflict.
Claims (10)
1. The mobile card issuing method based on the NFC communication of the mobile phone is characterized by comprising the following steps of:
step S1: entering a debit card opening main interface through a debit card opening unit of the mobile card sending terminal;
step S2: the OCR unit of the mobile card sending terminal recognizes the customer certificate information, and the face recognition unit performs customer identity verification;
step S3: the NFC bank card reading unit of the mobile card issuing terminal reads the debit card number and the card encryption information, and sets a card password through the security keyboard;
step S4: the mobile card-issuing terminal image acquisition control acquires photo information of the front side of the identity card, the back side of the identity card, the identity card license held by a client and the site photo;
step S5: the mobile card-issuing terminal invokes a handwritten signature uploading unit to collect client signature information;
step S6: and the information data processing server completes card opening transaction for the client according to the card opening authorization information.
2. The mobile card issuing method based on the mobile phone NFC communication according to claim 1, wherein the mobile card issuing terminal in step S2 includes an OCR document recognition unit, a face recognition unit, an NFC bank card reading unit and a handwritten signature uploading unit;
the OCR certificate recognition unit sends the recognized information to the information data processing server, and the information data processing server processes the recognized information and feeds back the customer identity information to the mobile card issuing terminal for display.
3. The mobile card issuing method based on NFC communication of a mobile phone according to claim 2, wherein the face recognition unit collects the client biopsy information and cooperates with the client certificate information to send to the information data processing server, and the information processor calls the user face verification system to check and returns the checking result to the mobile card issuing terminal; and the mobile card issuing terminal judges whether the card can be opened according to the checking.
4. The mobile card issuing method based on the mobile phone NFC communication according to claim 1, wherein the information data processing server in step S6 includes an OCR document recognition unit, a face recognition unit, a card system card issuing unit, an ATM and an online banking subscription processing unit.
5. The mobile card issuing system based on NFC communication of a mobile phone is characterized by comprising the following modules:
module M1: entering a debit card opening main interface through a debit card opening unit of the mobile card sending terminal;
module M2: the OCR unit of the mobile card sending terminal recognizes the customer certificate information, and the face recognition unit performs customer identity verification;
module M3: the NFC bank card reading unit of the mobile card issuing terminal reads the debit card number and the card encryption information, and sets a card password through the security keyboard;
module M4: the mobile card-issuing terminal image acquisition control acquires photo information of the front side of the identity card, the back side of the identity card, the identity card license held by a client and the site photo;
module M5: the mobile card-issuing terminal invokes a handwritten signature uploading unit to collect client signature information;
module M6: and the information data processing server completes card opening transaction for the client according to the card opening authorization information.
6. The mobile card issuing system based on mobile phone NFC communication according to claim 5, wherein the mobile card issuing terminal in the module M2 includes an OCR document recognition unit, a face recognition unit, an NFC bank card reading unit and a handwritten signature uploading unit;
the OCR certificate recognition unit sends the recognized information to the information data processing server, and the information data processing server processes the recognized information and feeds back the customer identity information to the mobile card issuing terminal for display.
7. The mobile card issuing system based on NFC communication of a mobile phone according to claim 6, wherein the face recognition unit collects the client biopsy information and cooperates with the client certificate information to send to the information data processing server, and the information processor calls the user face verification system to check and returns the checking result to the mobile card issuing terminal; and the mobile card issuing terminal judges whether the card can be opened according to the checking.
8. The mobile card issuing system based on mobile phone NFC according to claim 5, wherein the information data processing server in the module M6 includes an OCR document recognition unit, a face recognition unit, a card issuing unit of a card system, an ATM and an online banking subscription processing unit.
9. A computer readable storage medium storing a computer program, wherein the computer program when executed by a processor implements the steps of the mobile card issuing method based on mobile NFC communication according to any one of claims 1 to 4.
10. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the computer program when executed by the processor implements the steps of the mobile issuer method based on mobile NFC communication according to any of claims 1 to 4.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202310112853.3A CN116842980A (en) | 2023-02-14 | 2023-02-14 | Mobile card issuing method, system, medium and equipment based on NFC communication of mobile phone |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202310112853.3A CN116842980A (en) | 2023-02-14 | 2023-02-14 | Mobile card issuing method, system, medium and equipment based on NFC communication of mobile phone |
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| CN116842980A true CN116842980A (en) | 2023-10-03 |
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| CN202310112853.3A Pending CN116842980A (en) | 2023-02-14 | 2023-02-14 | Mobile card issuing method, system, medium and equipment based on NFC communication of mobile phone |
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| CN (1) | CN116842980A (en) |
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- 2023-02-14 CN CN202310112853.3A patent/CN116842980A/en active Pending
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