CN117151718A - Bank card substitution method and device - Google Patents

Bank card substitution method and device Download PDF

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Publication number
CN117151718A
CN117151718A CN202311013775.8A CN202311013775A CN117151718A CN 117151718 A CN117151718 A CN 117151718A CN 202311013775 A CN202311013775 A CN 202311013775A CN 117151718 A CN117151718 A CN 117151718A
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China
Prior art keywords
information
bank card
client
customer
integrated medium
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Pending
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CN202311013775.8A
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Chinese (zh)
Inventor
周津平
谭文琦
张昕
郭玉伟
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Industrial and Commercial Bank of China Ltd ICBC
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Industrial and Commercial Bank of China Ltd ICBC
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Application filed by Industrial and Commercial Bank of China Ltd ICBC filed Critical Industrial and Commercial Bank of China Ltd ICBC
Priority to CN202311013775.8A priority Critical patent/CN117151718A/en
Publication of CN117151718A publication Critical patent/CN117151718A/en
Pending legal-status Critical Current

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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
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking

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

Abstract

The application provides a method and a device for replacing a bank card, which can be used in the financial field or other technical fields. The method comprises the following steps: acquiring identity card information and biological identification information of a client; an authentication request is sent to a background server, wherein the authentication request comprises the identity card information and the biological identification information of the client; if the authentication passing information is received, writing the information of the customer bank card into an integrated medium; the authentication passing information and the client bank card information are sent by the background server after the authentication of the identity card information and the biological identification information of the client is passed; the integrated medium is used for temporarily replacing the bank card of the customer to conduct the transaction of banking business. The device is used for executing the method. The substitution method and the substitution device for the bank card improve convenience in handling banking business.

Description

Bank card substitution method and device
Technical Field
The application relates to the technical field of information processing, in particular to a method and a device for replacing a bank card.
Background
A bank card is a card issued by a bank for depositing and withdrawing money and making electronic payment. The customer can transact business at the bank through the bank card, withdraw money and inquire balance on the ATM, pay at the merchant, and the like.
In order to facilitate the business handling of the clients, banks are provided with card-free business, so that the clients can handle part of the business without carrying a bank card. However, for some businesses such as large-amount withdrawal and password resetting, the customers still need to carry the bank card to the bank counter for business, if the customers forget to carry the bank card, the customers cannot conduct business, and inconvenience is brought to the business handling of the customers. Therefore, even if the customer does not carry a bank card, the transaction of the business such as large-amount withdrawal and password resetting can be performed, which is a problem to be solved in the art.
Disclosure of Invention
Aiming at the problems in the prior art, the embodiment of the application provides a method and a device for replacing a bank card, which can at least partially solve the problems in the prior art.
In a first aspect, the present application proposes an alternative method for a bank card, comprising:
acquiring identity card information and biological identification information of a client;
an authentication request is sent to a background server, wherein the authentication request comprises the identity card information and the biological identification information of the client;
if the authentication passing information is received, writing the information of the customer bank card into an integrated medium; the authentication passing information and the client bank card information are sent by the background server after the authentication of the identity card information and the biological identification information of the client is passed; the integrated medium is used for temporarily replacing the bank card of the customer to conduct the transaction of banking business.
In a second aspect, the present application provides an alternative system for a bank card, including an integrated medium providing device and a background server, where the integrated medium providing device includes an information acquisition unit, a processing unit, a communication unit, and an information writing unit, and where:
the processing unit is respectively in communication connection with the information acquisition unit, the communication unit and the information writing unit; the processing unit is in communication connection with the background server through the communication unit;
the information acquisition unit is used for acquiring the identity card information and the biological identification information of the client;
the processing unit is used for sending an authentication request to a background server through the communication unit, wherein the authentication request comprises the identity card information and the biological identification information of the client, and after receiving the authentication passing information, the information writing unit is used for writing the client bank card information into an integrated medium; the authentication passing information and the client bank card information are sent by the background server after the authentication of the identity card information and the biological identification information of the client is passed; the integrated medium is used for temporarily replacing the bank card of the customer to conduct the transaction of banking business.
In a third aspect, the present application provides an alternative apparatus for a bank card, comprising:
the acquisition module is used for acquiring the identity card information and the biological identification information of the client;
the sending module is used for sending an identity verification request to a background server, wherein the verification request comprises the identity card information and the biological identification information of the client;
the writing module is used for writing the information of the customer bank card into the integrated medium after receiving the authentication passing information; the authentication passing information and the client bank card information are sent by the background server after the authentication of the identity card information and the biological identification information of the client is passed; the integrated medium is used for temporarily replacing the bank card of the customer to conduct the transaction of banking business.
In a fourth aspect, the application provides a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing an alternative method to a bank card as described in any of the embodiments above when the program is executed.
In a fifth aspect, the present application provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements an alternative method to a bank card as described in any of the embodiments above.
In a sixth aspect, the application provides a computer program product comprising a computer program which, when executed by a processor, implements an alternative method to a bank card as described in any of the embodiments above.
The method and the device for replacing the bank card acquire the identity card information and the biological identification information of the client; an authentication request is sent to a background server, wherein the authentication request comprises the identity card information and the biological identification information of the client; if the authentication passing information is received, writing the information of the customer bank card into an integrated medium; the integrated medium is used for temporarily replacing the bank card of the customer to conduct the transaction of the banking business, and the integrated medium is used for replacing the bank card to complete the transaction of the banking business under the condition that the customer does not carry the bank card, so that the convenience of the transaction of the banking business is improved.
Drawings
In order to more clearly illustrate the embodiments of the application or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the application, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. In the drawings:
fig. 1 is a schematic structural diagram of an alternative system of a bank card according to a first embodiment of the present application.
Fig. 2 is a flow chart of an alternative method of the bank card according to the second embodiment of the present application.
Fig. 3 is a flow chart of an alternative method of the bank card according to the third embodiment of the present application.
Fig. 4 is a flowchart of an alternative method of a bank card according to a fourth embodiment of the present application.
Fig. 5 is a schematic structural view of an alternative device for a bank card according to a fifth embodiment of the present application.
Fig. 6 is a schematic structural diagram of an alternative device for a bank card according to a sixth embodiment of the present application.
Fig. 7 is a schematic structural diagram of an alternative device for a bank card according to a seventh embodiment of the present application.
Fig. 8 is a schematic structural view of an alternative device for a bank card according to an eighth embodiment of the present application.
Fig. 9 is a schematic physical structure of an electronic device according to a ninth embodiment of the present application.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present application more apparent, the embodiments of the present application will be described in further detail with reference to the accompanying drawings. The exemplary embodiments of the present application and their descriptions herein are for the purpose of explaining the present application, but are not to be construed as limiting the application. It should be noted that, without conflict, the embodiments of the present application and features of the embodiments may be arbitrarily combined with each other. In the technical scheme of the application, the acquisition, storage, use, processing and the like of the data all accord with the relevant regulations of laws and regulations. The user information in the embodiment of the application is obtained through legal compliance approaches, and the user information is obtained, stored, used, processed and the like through the approval of the client.
In order to facilitate understanding of the technical scheme provided by the application, the following description will explain relevant contents of the technical scheme of the application.
The customer goes to the bank to transact business but does not carry the bank card, and the situation that the customer cannot transact business due to the fact that the bank card is not carried exists. Therefore, the application provides the integrated medium, which temporarily replaces the bank card by the integrated medium aiming at the situation that the customer needs to transact business but does not carry the bank card, so that the customer can complete the transaction of the bank business under the situation that the customer does not carry the bank card, and the business transaction convenience is improved. The integrated medium has a storage function, can store the bank card information of the client, and temporarily replaces the bank card to transact the bank business when the client transacts the business at the banking website; after the client transacts the banking business, the integrated medium is returned to the bank and the information of the bank card of the client is erased. For the case where a customer has multiple bank cards at one bank, the integrated medium may store information of the customer's multiple bank cards.
The integrated medium can adopt a bank card-like appearance structure and adopts a reusable information storage chip. And storing the bank card information of the customer through the information storage chip.
Fig. 1 is a schematic structural diagram of an alternative system for a bank card according to a first embodiment of the present application, and as shown in fig. 1, the alternative system for a bank card according to an embodiment of the present application includes an integrated medium providing apparatus 100 and a background server 200, where the integrated medium providing apparatus 100 includes an information acquisition unit 101, a processing unit 102, a communication unit 103, and an information writing unit 104, and the integrated medium providing apparatus includes:
the processing unit 102 is respectively in communication connection with the information acquisition unit 101, the communication unit 103 and the information writing unit 104, and the processing unit 102 is in communication connection with the background server 200 through the communication unit 103;
the information acquisition unit 101 is used for acquiring identity card information and biometric information of a customer;
the processing unit 102 is configured to send an authentication request to the background server 200 through the communication unit 103, where the authentication request includes the identification card information and the biometric information of the customer, and after receiving the authentication passing information, write the customer bank card information into the integrated medium through the information writing unit 104; wherein the authentication passing information and the customer bank card information are transmitted by the background server 200 after the authentication of the identification card information and the biometric information of the customer is passed; the integrated medium is used for temporarily replacing the bank card of the customer to conduct the transaction of banking business.
Specifically, the information collecting unit 101 may include an identification card reader for collecting identification card information of a customer through an identification card of the customer, and a biometric information collector for collecting biometric information of the customer. The biometric information includes, but is not limited to, fingerprint information, face information, iris information, etc. For example, the biological information collector is a fingerprint collector for collecting fingerprint information of clients; the biological information collector is a camera and collects face information of a client.
The information acquisition unit 101 transmits the acquired identification card information and biometric information to the processing unit 102. The processing unit 102 transmits an authentication request carrying the identification card information and the biometric information of the client to the backend server 200 through the communication unit 103. The communication unit 103 may be a wireless communication module or a wired communication module, and is selected according to actual needs, which is not limited in the embodiment of the present application.
The background server 200 verifies the identification card information and the biometric information of the client after receiving the authentication request, and if the identification card information included in the authentication request is identical to the identification card information reserved by the client and the biometric information included in the authentication request is matched with the biometric information reserved by the client, the identification card information and the biometric information included in the authentication request pass the verification. After the authentication request includes the identification card information and the biometric information, the background server 200 may query and obtain the customer bank card information according to the identification card information of the customer, and then send the authentication passing information and the customer bank card information to the communication unit 103.
The communication unit 103 forwards the received authentication passing information and customer bank card information to the processing unit 102. The communication unit 103, after receiving the authentication passing information, writes the customer bank card information into the integrated medium through the information writing unit 104. The information writing unit 104 may use a card reader to write the information of the customer bank card into the integrated medium with the memory chip. For example, the reader-writer may be a contact type IC card reader-writer or a radio frequency IC card reader-writer, which is used for reading or writing data of an inserted IC card; the radio frequency IC card reader/writer is used for reading or writing data of the IC card in a noncontact manner.
The integrated media is provided by a bank. For example, the customer forgets to carry the bank card, but needs to transact business, and inquires about the solution to the hall manager of the banking website, and the hall manager can acquire the integrated medium to assist the customer in using the alternative system of the bank card, and transact the integrated medium of the bank card of the alternative customer. The customers carry the integrated media and can complete business transaction on a bank counter or a self-service terminal. The specific process of conducting business through the integrated medium can adopt the same process of conducting business through the bank card.
The system for replacing the bank card comprises an integrated medium providing device and a background server, wherein the integrated medium providing device comprises an information acquisition unit, a processing unit, a communication unit and an information writing-in unit, the processing unit is respectively in communication connection with the information acquisition unit, the communication unit and the information writing-in unit, and the processing unit is connected with the background server through the communication unit; the information acquisition unit is used for acquiring the identity card information and the biological identification information of the client; the processing unit is used for sending an identity verification request to the background server through the communication unit, the verification request comprises the identity card information and the biological identification information of the client, after the identity verification passing information is received, the client bank card information is written into the integrated medium through the information writing unit, the integrated medium is used for temporarily replacing the bank card of the client to conduct banking business, and under the condition that the client does not carry the bank card, the integrated medium is used for replacing the bank card, business transaction can be completed, the client does not need to return to take the card and conduct business transaction again, time of the client is saved, and convenience in banking business transaction is improved.
Further, the processing unit 102 is further configured to erase, through the information writing unit 104, the customer bank card information stored in the integrated medium.
Specifically, after the customer completes the business through the integrated medium, the integrated medium needs to be returned. In order to prevent leakage of the customer bank card information, the processing unit 102 erases the customer bank card information stored by the integrated medium through the information writing unit 104.
The following describes a specific implementation procedure of an alternative method of a bank card provided in the embodiment of the present application, taking an integrated medium providing device as an execution subject.
Fig. 2 is a flow chart of an alternative method of a bank card according to a second embodiment of the present application, and as shown in fig. 2, the alternative method of a bank card according to the embodiment of the present application includes:
s201, acquiring identity card information and biological identification information of a client;
specifically, the integrated medium providing device can acquire the identity card information of the client through the identity card of the client, and acquire biological information of the client to acquire the biological identification information of the client. Wherein the biometric information includes, but is not limited to, fingerprint information, face information, iris information, etc.
S202, sending an identity verification request to a background server, wherein the verification request comprises the identity card information and the biological identification information of the client;
specifically, the integrated medium providing device carries the identity card information and the biological identification information of the client in an identity verification request and sends the identity card information and the biological identification information to a background server. The background server receives the authentication request.
S203, if the authentication passing information is received, writing the information of the customer bank card into the integrated medium; the authentication passing information and the client bank card information are sent by the background server after the authentication of the identity card information and the biological identification information of the client is passed; the integrated medium is used for temporarily replacing the bank card of the customer to conduct the transaction of banking business.
Specifically, after the background server receives the authentication request, authentication is performed on the identity card information and the biometric information included in the authentication request, and after the authentication of the identity card information and the biometric information included in the authentication request is passed, authentication passing information and customer bank card information are sent to the integrated medium providing device. And after receiving the authentication passing information, the integrated medium providing device writes the information of the customer bank card into the integrated medium. The integrated medium can replace a bank card of the client to help the client to transact banking business.
The alternative method of the bank card provided by the embodiment of the application obtains the identity card information and the biological identification information of the customer; an authentication request is sent to a background server, wherein the authentication request comprises the identity card information and the biological identification information of the client; if the authentication passing information is received, writing the information of the customer bank card into an integrated medium; the integrated medium is used for temporarily replacing the bank card of the customer to conduct the transaction of the banking business, and the integrated medium is used for replacing the bank card to complete the transaction of the banking business under the condition that the customer does not carry the bank card, so that the convenience of the transaction of the banking business is improved.
Based on the above embodiments, further, the method for replacing a bank card according to the embodiment of the present application further includes:
and erasing the customer bank card information stored by the integrated medium.
Specifically, after the customer completes the transaction of banking business through the integrated medium, the integrated medium providing device can erase the customer bank card information stored by the integrated medium, so as to protect the security of the customer bank card information. In addition, the integrated medium for erasing the customer bank card information can be reused.
Fig. 3 is a flow chart of an alternative method of a bank card according to a third embodiment of the present application, as shown in fig. 3, further, based on the foregoing embodiments, the alternative method of a bank card according to the embodiment of the present application further includes:
s301, acquiring position information of the integrated medium based on a positioning chip of the integrated medium;
specifically, a positioning chip may be disposed in the integrated medium, where the positioning chip is in wireless communication connection with the integrated medium providing device, and the integrated medium providing device may obtain the position information of the integrated medium based on the positioning chip of the integrated medium. Because the integrated media is distributed to the customers, the location information of the integrated media represents the location of the customers.
S302, if the position information of the integrated medium is judged to be in an abnormal area, abnormal early warning is carried out.
In particular, a customer carrying the integrated media may wait for a transaction in a lobby of a banking outlet. If the integrated medium providing device judges that the position information of the integrated medium is in the abnormal area, the integrated medium providing device can perform abnormal early warning to prompt a bank worker that a customer carrying the integrated medium is in the abnormal area. The abnormal area is preset and is set according to actual requirements.
For example, a non-office area of a bank is set as an abnormal area, and when a customer carrying an integrated medium is in the non-office area, abnormal early warning is performed.
For example, since the integrated medium stores customer bank card information, the integrated medium is not allowed to be taken away from a bank outlet, and an area other than the bank outlet is set as an abnormal area. When the customer carrying the integrated medium leaves the banking website, abnormal early warning is carried out to prompt the customer to bring the integrated medium out of the banking website.
Fig. 4 is a flow chart of an alternative method of a bank card according to a fourth embodiment of the present application, as shown in fig. 4, further, based on the foregoing embodiments, the alternative method of a bank card according to the embodiment of the present application further includes:
s401, collecting a moving track of a customer in a banking website based on a positioning chip of an integrated medium;
specifically, the integrated medium providing device can collect the moving track of the client in the banking website based on the positioning chip of the integrated medium.
S402, optimizing the positions of the articles in the banking outlets based on the moving tracks of the customers in the banking outlets.
Specifically, the integrated medium providing device optimizes the position of the articles in the banking outlets based on the moving track of each customer in the banking outlets, so as to facilitate the customers to use self-service terminals in the banking outlets and avoid the articles in the banking outlets from blocking the moving route of the customers. Articles in banking sites include, but are not limited to, self-service terminals, shelves for placing product brochures, and the like.
For example, according to the movement track of the customer and the positions of the self-service terminals in the banking website, the positions of the customer at which the customer stays can be counted, the self-service terminal with the highest customer stay frequency is obtained, and the self-service terminal with the highest customer stay frequency is arranged at the position with the distance from the entrance of the banking website smaller than the preset distance, so that the customer can use conveniently. The preset distance is selected according to actual needs, and the embodiment of the application is not limited.
Further, on the basis of the above embodiments, the customer bank card information includes information of a plurality of bank cards of the customer.
Specifically, the client bank card information comprises information of a plurality of bank cards of the client, and the integrated medium can store the information of the plurality of bank cards of the client, so that the client handles business of the plurality of bank cards of the client through one integrated medium under the condition that the client does not carry any bank card, and service experience of the client is improved.
It can be understood that when a customer owns a plurality of bank cards of different banks, the customer can conveniently transact the business when he wants to go to a certain bank to transact the business without searching the bank card of the certain bank from the different bank cards.
The alternative method of the bank card provided by the embodiment of the application can be applied to the scene that the customer needs to reset the password. For example, a customer uses a mobile phone bank to transfer money to a bank account, but because of misoperation, the password is wrongly transferred more than the bank specified times, so that the password needs to be reset. If the customer does not carry the bank card to come to the bank website, in the prior art, the customer needs to return to home to take the bank card and then return to the bank website to conduct business transaction of resetting the password because the bank card needs to be used for resetting the password. By applying the alternative method of the bank card, the integrated medium providing device can acquire the identity card information and the biological identification information of the client and then send an identity verification request to the background server, wherein the verification request comprises the identity card information and the biological identification information of the client. The integrated medium providing device writes the customer bank card information into the integrated medium after receiving the authentication passing information. The customer performs the business transaction of resetting the password through the integrated medium without going home to take the bank card.
The alternative method of the bank card provided by the embodiment of the application can be applied to the scene of printing the bank receipt for the public client. The financial staff of enterprise need to print the bank receipt to different banks, among the prior art, print the bank receipt and need the customer to carry the bank, and different banks just need carry many bank cards, if forget to carry the bank card or take wrong bank card, will return with no effort, waste time. By applying the alternative method of the bank card, the financial staff of the enterprise can not need to carry any bank card. The printing of the bank receipt can be finished by replacing the integrated medium of the bank card, and the convenience of handling the bank receipt is improved.
A banking business processing method adopting the alternative method of the banking card in any embodiment comprises the following steps:
if the fact that the current banking business needs to carry out identity verification and the integrated medium is used for handling the current banking business is judged, the step of identity verification is skipped.
Specifically, if the client handles the integrated medium used by the current banking business and the current banking business needs to be authenticated when handled through the bank card, the client can skip the step of authentication when handling the current banking business because the client already performs the authentication when acquiring the integrated medium, thereby reducing the flow of handling the banking business and improving the handling efficiency of the banking business.
The banking business is handled through the integrated medium, so that the authentication link in the existing banking business handling process can be skipped, the customer business handling time is shortened, and the satisfaction degree of customer business handling is improved. In addition, because the integrated medium is adopted to replace the bank card, the flow of transacting business through the bank in the prior art does not need to be changed, the flow of transacting business through the existing bank counter can not be changed, and the cost of the bank applying the method for replacing the bank card provided by the embodiment of the application is low.
The integrated medium replaces a bank card of a customer to transact business, so that the problem that the customer cannot transact business because the customer does not carry the card can be well solved, the banking service level and efficiency are improved, and better financial service experience is brought to the customer.
Fig. 5 is a schematic structural diagram of an alternative device for a bank card according to a fifth embodiment of the present application, and as shown in fig. 5, the alternative device for a bank card according to an embodiment of the present application includes an obtaining module 501, a sending module 502, and a writing module 503, where:
the acquisition module 501 is used for acquiring identity card information and biometric information of a customer; the sending module 502 is configured to send an authentication request to a background server, where the authentication request includes identification card information and biometric information of the client; the writing module 503 is configured to write the customer bank card information into the integrated medium after receiving the authentication passing information; the authentication passing information and the client bank card information are sent by the background server after the authentication of the identity card information and the biological identification information of the client is passed; the integrated medium is used for temporarily replacing the bank card of the customer to conduct the transaction of banking business.
Specifically, the obtaining module 501 may obtain the identity card information of the client through the identity card of the client, and collect the biological information of the client to obtain the biological identification information of the client. Wherein the biometric information includes, but is not limited to, fingerprint information, face information, iris information, etc.
The sending module 502 carries the identification card information and the biometric information of the client in the authentication request, and sends the authentication request to the background server. The background server receives the authentication request.
After receiving the authentication request, the background server verifies the identity card information and the biometric information included in the authentication request, and after the identity card information and the biometric information included in the authentication request pass the verification, sends the authentication passing information and the customer bank card information to the writing module 503. After receiving the authentication passing information, the writing module 503 writes the customer bank card information into the integrated medium. The integrated medium can replace a bank card of the client to help the client to transact banking business.
The device for replacing the bank card acquires the identity card information and the biological identification information of the customer; an authentication request is sent to a background server, wherein the authentication request comprises the identity card information and the biological identification information of the client; if the authentication passing information is received, writing the information of the customer bank card into an integrated medium; the integrated medium is used for temporarily replacing the bank card of the customer to conduct the transaction of the banking business, and the integrated medium is used for replacing the bank card to complete the transaction of the banking business under the condition that the customer does not carry the bank card, so that the convenience of the transaction of the banking business is improved.
Fig. 6 is a schematic structural view of an alternative device for a bank card according to a sixth embodiment of the present application, as shown in fig. 6, further, based on the above embodiments, the alternative device for a bank card according to the embodiment of the present application further includes:
the erasing module 504 is configured to erase the customer bank card information stored in the integrated medium.
Fig. 7 is a schematic structural diagram of an alternative device for a bank card according to a seventh embodiment of the present application, as shown in fig. 7, further, based on the foregoing embodiments, the alternative device for a bank card according to the embodiment of the present application further includes an obtaining module 505 and an early warning module 506, where:
the obtaining module 505 is configured to obtain location information of the integrated medium based on the positioning chip of the integrated medium; the early warning module 506 is configured to perform an abnormal early warning after determining that the location information of the integrated medium is in an abnormal area.
Fig. 8 is a schematic structural diagram of an alternative device for a bank card according to an eighth embodiment of the present application, as shown in fig. 8, further, based on the foregoing embodiments, the alternative device for a bank card according to the embodiment of the present application further includes a collecting module 507 and an optimizing module 508, where:
the collecting module 507 is used for collecting the moving track of the customer in the banking website based on the positioning chip of the integrated medium; the optimizing module 508 is used for optimizing the position of the article in the banking website based on the moving track of each customer in the banking website.
Further, on the basis of the above embodiments, the customer bank card information includes information of a plurality of bank cards of the customer.
The embodiment of the apparatus provided in the embodiment of the present application may be specifically used to execute the processing flow of each method embodiment, and the functions thereof are not described herein again, and may refer to the detailed description of the method embodiments.
It should be noted that, the method and the device for replacing the bank card provided by the embodiment of the application can be used in the financial field and also can be used in any technical field except the financial field, and the application field of the method and the device for replacing the bank card is not limited.
Fig. 9 is a schematic physical structure of an electronic device according to an embodiment of the present application, as shown in fig. 9, the electronic device may include: processor 901, communication interface (Communications Interface) 902, memory 903 and communication bus 904, wherein processor 901, communication interface 902 and memory 903 communicate with each other via communication bus 904. The processor 901 may call logic instructions in the memory 903 to perform the following method: acquiring identity card information and biological identification information of a client; an authentication request is sent to a background server, wherein the authentication request comprises the identity card information and the biological identification information of the client; if the authentication passing information is received, writing the information of the customer bank card into an integrated medium; the authentication passing information and the client bank card information are sent by the background server after the authentication of the identity card information and the biological identification information of the client is passed; the integrated medium is used for temporarily replacing the bank card of the customer to conduct the transaction of banking business.
Further, the logic instructions in the memory 903 described above may be implemented in the form of software functional units and may be stored in a computer readable storage medium when sold or used as a stand alone product. Based on this understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art or in a part of the technical solution, in the form of a software product stored in a storage medium, comprising several instructions for causing a computer device (which may be a personal computer, a server, a network device, etc.) to perform all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: 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, or other various media capable of storing program codes.
The present embodiment discloses a computer program product comprising a computer program stored on a computer readable storage medium, the computer program comprising program instructions which, when executed by a computer, enable the computer to perform the methods provided by the above-described method embodiments, for example comprising: acquiring identity card information and biological identification information of a client; an authentication request is sent to a background server, wherein the authentication request comprises the identity card information and the biological identification information of the client; if the authentication passing information is received, writing the information of the customer bank card into an integrated medium; the authentication passing information and the client bank card information are sent by the background server after the authentication of the identity card information and the biological identification information of the client is passed; the integrated medium is used for temporarily replacing the bank card of the customer to conduct the transaction of banking business.
The present embodiment provides a computer-readable storage medium storing a computer program that causes the computer to execute the methods provided by the above-described method embodiments, for example, including: acquiring identity card information and biological identification information of a client; an authentication request is sent to a background server, wherein the authentication request comprises the identity card information and the biological identification information of the client; if the authentication passing information is received, writing the information of the customer bank card into an integrated medium; the authentication passing information and the client bank card information are sent by the background server after the authentication of the identity card information and the biological identification information of the client is passed; the integrated medium is used for temporarily replacing the bank card of the customer to conduct the transaction of banking business.
It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In the description of the present specification, reference to the terms "one embodiment," "one particular embodiment," "some embodiments," "for example," "an example," "a particular example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, schematic representations of the above terms do not necessarily refer to the same embodiments or examples. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
The foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the application, and is not meant to limit the scope of the application, but to limit the application to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the application are intended to be included within the scope of the application.

Claims (11)

1. An alternative method of a bank card, comprising:
acquiring identity card information and biological identification information of a client;
an authentication request is sent to a background server, wherein the authentication request comprises the identity card information and the biological identification information of the client;
if the authentication passing information is received, writing the information of the customer bank card into an integrated medium; the authentication passing information and the client bank card information are sent by the background server after the authentication of the identity card information and the biological identification information of the client is passed; the integrated medium is used for temporarily replacing the bank card of the customer to conduct the transaction of banking business.
2. The method as recited in claim 1, further comprising:
and erasing the customer bank card information stored by the integrated medium.
3. The method as recited in claim 1, further comprising:
acquiring position information of the integrated medium based on a positioning chip of the integrated medium;
and if the position information of the integrated medium is judged to be in the abnormal area, carrying out abnormal early warning.
4. The method as recited in claim 1, further comprising:
collecting a moving track of a customer in a banking website based on a positioning chip of an integrated medium;
and (3) optimizing the positions of the articles in the banking outlets based on the moving tracks of the customers in the banking outlets.
5. The method of any one of claims 1 to 4, wherein the customer banking card information includes information of a plurality of banking cards of the customer.
6. The system for replacing the bank card is characterized by comprising an integrated medium providing device and a background server, wherein the integrated medium providing device comprises an information acquisition unit, a processing unit, a communication unit and an information writing unit, and the integrated medium providing device comprises the following components:
the processing unit is respectively in communication connection with the information acquisition unit, the communication unit and the information writing unit; the processing unit is in communication connection with the background server through the communication unit;
the information acquisition unit is used for acquiring the identity card information and the biological identification information of the client;
the processing unit is used for sending an authentication request to a background server through the communication unit, wherein the authentication request comprises the identity card information and the biological identification information of the client, and after receiving the authentication passing information, the information writing unit is used for writing the client bank card information into an integrated medium; the authentication passing information and the client bank card information are sent by the background server after the authentication of the identity card information and the biological identification information of the client is passed; the integrated medium is used for temporarily replacing the bank card of the customer to conduct the transaction of banking business.
7. The system of claim 6, wherein the processing unit is further configured to erase customer bank card information stored by the integrated media through the information writing unit.
8. An alternate device for a bank card, comprising:
the acquisition module is used for acquiring the identity card information and the biological identification information of the client;
the sending module is used for sending an identity verification request to a background server, wherein the verification request comprises the identity card information and the biological identification information of the client;
the writing module is used for writing the information of the customer bank card into the integrated medium after receiving the authentication passing information; the authentication passing information and the client bank card information are sent by the background server after the authentication of the identity card information and the biological identification information of the client is passed; the integrated medium is used for temporarily replacing the bank card of the customer to conduct the transaction of banking business.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 5 when executing the computer program.
10. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program which, when executed by a processor, implements the method of any one of claims 1 to 5.
11. A computer program product, characterized in that the computer program product comprises a computer program which, when executed by a processor, implements the method of any one of claims 1 to 5.
CN202311013775.8A 2023-08-11 2023-08-11 Bank card substitution method and device Pending CN117151718A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202311013775.8A CN117151718A (en) 2023-08-11 2023-08-11 Bank card substitution method and device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202311013775.8A CN117151718A (en) 2023-08-11 2023-08-11 Bank card substitution method and device

Publications (1)

Publication Number Publication Date
CN117151718A true CN117151718A (en) 2023-12-01

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
CN202311013775.8A Pending CN117151718A (en) 2023-08-11 2023-08-11 Bank card substitution method and device

Country Status (1)

Country Link
CN (1) CN117151718A (en)

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