TW202038165A - Data processing method and device - Google Patents

Abstract

The invention discloses a data processing method and device. The method comprises: obtaining a credit card opening request sent by a client side, the credit card opening request comprising a card identifier and a user identifier of a credit card, and generating the credit card opening request when the client side receives the rights and interests of a user in the AR card display process or when the client side requests to open the card; determining a card opening element of a card issuing bank corresponding to the credit card, and determining the identity information of the user according to the user identifier, generating a card opening application form according to the identity information and the card opening elements of the user, sending the card opening application form to the client, and sending the confirmed card opening application form to the card issuing bank for card opening after receiving the card opening confirmation information of the user sent by the client. Through the card opening application form generated through the identity information of the user and the card opening factors of the card issuing bank, the user filling process can be reduced, the card opening step of the user is simplified, and the user experience is improved.

Description

Method, device, computer readable storage medium and computing equipment for data processing

The invention belongs to the field of financial technology, and particularly relates to a data processing method, device, computer-readable storage medium and computing equipment.

With the deepening of China's reform and opening up and the development of the financial market, credit cards have become an important tool for urban and rural residents' daily consumption, payment and settlement, and credit management. It is one of the fastest growing product lines in China's personal financial service market. In the next 10 years, the average annual growth rate of China's credit card issuance will remain at about 14%. It is estimated that by 2020, the cumulative number of credit cards issued in China will exceed 800 million, and my country's credit card market has fully entered the era of "one person with multiple cards" . However, the number of cards is always only a base, and the number of corresponding active cards is where the bank really benefits. At present, the card-dead rate of commercial banks is not optimistic. How to effectively stimulate users to open cards has become an urgent problem to be solved.

At present, in order to further increase the card issuance and use rate, banks will launch various incentive measures for a long time, and rights and preferential activities are one of them. From discounts at partner merchants to credit card payments returned by banks, credit card activities are varied and varied. However, the effect of traditional information display methods is not satisfactory and still cannot solve the problem of high rate of deadlock.

On the other hand, with the increase in the number of credit cards per capita, the whole process of credit card management has become extremely inconvenient, and the process experience of card opening (starting) needs to be improved urgently. Currently, credit cards Online card opening mainly includes channels such as WeChat official account and bank APP. Each bank has its own different card opening entrance. If you choose to open the card online, when the cardholder has multiple credit cards from different banks, you need to download the corresponding APP or go to the official account of each bank to open the card according to the requirements of different banks. The operation is complicated and the experience is different. Reduce the user's interest in opening a card.

The embodiments of the present invention provide a data processing method, device, computer-readable storage medium, and computing equipment to simplify the card opening method and improve the user's card opening experience.

An embodiment of the present invention provides a data processing method, including: obtaining a credit card opening request sent by a user terminal, the credit card opening request includes a credit card ID and a user ID; the credit card opening request is received by the user terminal To the user during the AR card rights display process or when the user requests to open the card on the user side; according to the card ID of the credit card, determine the card issuance elements of the credit card corresponding to the credit card, and determine the use according to the user ID The identity information of the user; according to the user’s identity information and the card opening element, a card opening application form is generated, and the card opening application form is sent to the client, so that the client can display the card opening application to the user Form; after receiving the user’s card opening confirmation information sent by the user terminal, the confirmed card opening application form is sent to the issuing bank corresponding to the credit card for card opening; and after receiving the card issuing bank’s card opening After the result, the card opening result is sent to the user terminal, so that the user terminal displays the card opening result to the user.

In the above technical solution, the card issuance application form generated by the user's identity information and the card issuance elements of the card issuing bank can reduce the user's filling process and simplify the user's card opening steps Steps to improve user experience. At the same time, AR technology is used to display the rights and interests of the card, which can enhance the user's sensory experience and stimulate the user to open the card.

Optionally, before obtaining the request for opening a credit card, the method further includes: obtaining the user's login request sent by the user terminal, and performing identity authentication on the user; after the identity authentication is passed, sending the authentication login result to the user terminal Obtain the AR image data resource request sent by the client, the AR image data resource request includes the key word of the credit card; according to the key word of the credit card, the AR image data resource of the credit card is determined; The AR image data resource is sent to the client, so that the client displays the rights of the AR card to the user.

Optionally, determining the AR image data resource of the credit card according to the keywords of the credit card includes: determining the card information corresponding to the credit card, the rights and benefits information, and preset AR effect information according to the keywords of the credit card; The card information corresponding to the credit card, the rights and benefits information, and the preset AR effect information, extract the characteristic information and associate the business data; convert the characteristic information and the associated business data into AR image data resources supported by the 3D engine.

Optionally, generating a card opening application form based on the user's identity information and the card opening element includes: filling in the user's identity information and the card opening element into the form to generate a card opening application form.

Correspondingly, an embodiment of the present invention also provides a data processing method, including: acquiring a user's card opening request, the user's card opening request is the user's AR card rights display process Or generated when the user requests to open the card on the user side; generate the user's credit card opening request based on the user's credit card ID and user ID; send the user's credit card opening request to the card opening platform to Make the card opening platform generate a card opening application form according to the credit card opening request; after receiving the card opening application form sent by the card opening platform, display the card opening application form to the user; after receiving the user’s After confirming the information, send the confirmed card opening application form to the card opening platform so that the card opening platform can complete the card opening.

Optionally, before acquiring the user's card opening request, the method further includes: acquiring the user's login request, and sending the user's login request to the card opening platform, so that the card opening platform performs identity authentication; The image information of the user’s credit card; the key words of the credit card are identified according to the image information; the card issuance platform sends a request for obtaining AR image data resources according to the key words of the credit card; The keyword of determines the AR image data resource; receives the AR image data resource, and displays the AR card rights and interests for the user based on the AR image data resource.

Optionally, identifying the keyword of the credit card according to the image information includes: identifying the keyword of the credit card through AR technology or OCR technology.

Correspondingly, an embodiment of the present invention also provides a data processing device, including: an acquiring unit, configured to acquire a credit card opening request sent by a user terminal, in the credit card opening request Including the card ID and user ID of the credit card; the credit card opening request is generated by the user terminal when the user clicks on the card opening entry in the AR card rights display or the user clicks the card opening button on the user side; the processing unit is used for The card ID of the credit card determines the card issuance factors of the issuing bank corresponding to the credit card, and the user's identity information is determined according to the user ID; the card issuance application is generated based on the user's identity information and the card issuance factors And send the card opening application form to the client, so that the user terminal will show the card opening application form to the user; after receiving the user’s card opening confirmation information sent by the client, it will confirm The subsequent card opening application form is sent to the issuing bank corresponding to the credit card to open the card; and after receiving the card opening result of the issuing bank, the card opening result is sent to the user terminal so that the user terminal can display it to the user The result of the card opening.

Optionally, the processing unit is further configured to: before the acquiring the credit card opening request, control the acquiring unit to acquire the user's login request sent by the user terminal, and perform identity authentication on the user; after the identity authentication is passed, Send the authentication login result to the client; control the acquisition unit to acquire the AR image data resource acquisition request sent by the client, the AR image data resource acquisition request includes the key word of the credit card; the key word of the credit card is determined The AR image data resource of the credit card; the AR image data resource of the credit card is sent to the client, so that the client displays the rights of the AR card to the user.

Optionally, the processing unit is specifically configured to: determine the card information corresponding to the credit card, the rights and benefits information, and the preset AR effect information according to the keywords of the credit card; According to the card information corresponding to the credit card, the rights and benefits information, and the preset AR effect information, feature information is extracted and associated business data; the feature information and associated business data are converted into AR image data resources supported by the 3D engine.

Optionally, the processing unit is specifically configured to: fill in the user's identity information and the card opening element into a form to generate a card opening application form.

Correspondingly, an embodiment of the present invention also provides a data processing device, including: an acquisition unit for acquiring a user's card opening request, the user's card opening request is when the user clicks on the card opening in the AR card rights display Generated when the entrance or the user clicks the card opening button on the user side; the processing unit is used to generate the user's credit card opening request based on the user's credit card ID and user ID; sending the user's credit card opening request To the card opening platform so that the card opening platform generates a card opening application form according to the credit card opening request; after receiving the card opening application form sent by the card opening platform, the card opening application form is displayed to the user; After receiving the user's confirmation information, send the confirmed card opening application form to the card opening platform so that the card opening platform can complete the card opening.

Optionally, the processing unit is further configured to: before obtaining the user's card opening request, control the obtaining unit to obtain the user's login request, and send the user's login request to the card opening platform, so that the The card issuance platform performs identity authentication; collects the image information of the user's credit card; identifies the key word of the credit card according to the image information; sends a request for acquiring AR image data resources to the card issuance platform according to the key word of the credit card; So that the card issuance platform determines the AR image data resource according to the key words of the credit card; The AR image data resource is received, and the AR card rights and interests are displayed for the user based on the AR image data resource.

Optionally, the processing unit is specifically configured to identify the key word of the credit card through AR technology or OCR technology.

Correspondingly, an embodiment of the present invention also provides a computer-readable storage medium, the computer-readable storage medium stores computer-executable instructions, and the computer-executable instructions are used to make the computer execute the aforementioned data processing method.

Correspondingly, an embodiment of the present invention also provides a computing device, including: a memory for storing program instructions; a processor for calling the program instructions stored in the memory, and executing the above data processing method according to the obtained program .

100: client

200: card opening platform

300: Card issuing bank

501: get unit

502: Processing Unit

601: Get Unit

602: Processing Unit

201-212: Step

FIG. 1 is a schematic diagram of a system architecture provided by an embodiment of the present invention;

2 is a schematic flowchart of a data processing method provided by an embodiment of the present invention;

Figure 3 is a schematic structural diagram of a card opening platform provided by an embodiment of the present invention;

FIG. 4 is a schematic structural diagram of a user terminal provided by an embodiment of the present invention;

5 is a schematic structural diagram of a data processing device provided by an embodiment of the present invention;

FIG. 6 is a schematic structural diagram of a data processing device provided by an embodiment of the present invention.

In order to facilitate the reviewers to understand the technical features, content and advantages of the present invention and its achievable effects, the present invention is described in detail in the form of embodiments with accompanying drawings and accessories as follows, and the diagrams used therein , The subject matter is only for the purpose of illustration and auxiliary manual, and may not be the true proportions and precise configuration after the implementation of the present invention. Therefore, it should not be interpreted in terms of the proportions and configuration relationships of the attached drawings, and applications that limit the practical implementation of the present invention The scope is stated first.

In the description of the present invention, it should be understood that the terms "center", "horizontal", "upper", "lower", "left", "right", "top", "bottom", "inner", " The orientation or positional relationship of indications such as "outside" is based on the orientation or positional relationship shown in the diagram, which is only for the convenience of describing the present invention and simplifying the description, and does not indicate or imply that the device or element referred to must have a specific orientation to The specific azimuth structure and operation cannot be understood as a limitation of the present invention.

Fig. 1 is a system architecture applicable to an embodiment of the present invention. As shown in FIG. 1, the system architecture may include multiple user terminals 100, a card issuing platform 200 and multiple card issuing banks 300. The user terminal 100 can be connected to the card issuing platform 200 through the network, and the card issuing platform 200 can be connected to the card issuing bank 300 through the network.

The multiple client terminals 100 may be terminal devices held by different users, and may communicate with the card issuing platform 200 through the client terminals 100.

The card opening platform 200 communicates with multiple card issuing banks 300, and after confirming the card issuing bank 300 to which the user's credit card is to be opened, the card issuing information is sent to the card issuing bank 300 to open the card.

It should be noted that the structure shown in FIG. 1 is only an example, which is not limited in the embodiment of the present invention.

Based on the foregoing description, FIG. 2 exemplarily shows a flow of a data processing method provided by an embodiment of the present invention, and the flow can be executed by a data processing device. The following will pass The user terminal interacts with the card issuance platform to describe the data processing flow. In the embodiment of the present invention, the process of data processing in the card opening process will be described in the manner of credit card opening.

As shown in Figure 2, the process specifically includes:

Step 201: The user terminal obtains the user's card opening request.

The user's card opening request is generated by the user during the AR card rights display process or when the user requests the card opening on the user side. Therefore, the user terminal needs to show the AR card rights and interests to the user before obtaining the user's card opening request. When the AR card rights and interests are displayed, the corresponding card opening entrance will be set. The user can click the card opening entrance in the AR card rights display to request the card opening, or click the opening on the user terminal instead of clicking the card opening entrance in the AR card rights display. The card button is used to realize the card opening request. The card opening button may be a function button corresponding to the application on the user terminal.

Specifically, the user terminal needs to first obtain the user's login request and send the user's login request to the card issuance platform so that the card issuance platform performs identity authentication. After the card opening platform receives the user's login request, it can perform identity authentication on the user, and after the identity authentication is passed, it sends the authentication login result to the user end.

Then, the user terminal collects the image information of the user's credit card, identifies the key words of the credit card based on the image information, and then sends a request for acquiring AR image data resources to the card issuing platform based on the key words of the credit card. The request for acquiring AR graphics data resources includes the keywords of the credit card. After the card opening platform receives the key words of the credit card, it can determine the AR image data resources of the credit card according to the key words of the credit card, and send the AR image data resources of the credit card to the client. After receiving the AR image data resources of the credit card, the user terminal can display the rights and interests of the AR card to the user. Specifically, when the user terminal recognizes the key word of the credit card according to the image information, the key word of the credit card may be recognized through AR technology or OCR technology.

Among them, when the card issuance platform determines the AR image data resource of the credit card, it mainly determines the card information corresponding to the credit card, the rights and benefits information, and the preset AR effect information according to the keywords of the credit card. Then according to the card information corresponding to the credit card, the rights and benefits information, and the preset AR effect information, the characteristic information is extracted and the business data is associated. Finally, the feature information and related business data are converted into AR image data resources supported by the 3D engine. When extracting feature information, it is mainly to extract the card information corresponding to the credit card, the benefit and discount information, and the feature information in the preset AR effect information. For example, the feature information can be the font used in the display, the display effect, the display layout, and the display Feature information such as style can be set based on experience in specific applications.

In step 202, the user terminal generates the user's credit card opening request based on the user's credit card identification and user identification.

The user terminal can compose a user's credit card opening request based on the user's credit card ID and user ID, so as to send it to the card opening platform. In the embodiment of the present invention, the card identifier may be the card number of the credit card, or other identifiers of the credit card used as unique distinguishing features. The user identification can be the user's mobile phone number or ID number or the user's account number and other information, which is used to find the user's identity information.

Step 203: The user terminal sends the user's credit card opening request to the card opening platform.

Step 204: The card issuance platform determines the card issuance elements of the issuing bank corresponding to the credit card according to the card ID of the credit card, and determines the user's identity information according to the user ID.

The card issuance platform can query the card issuance elements of the issuing bank corresponding to the credit card according to the card ID of the credit card, and query the user's identity information according to the user ID.

Step 205: The card opening platform generates a card opening application form according to the user's identity information and the card opening elements.

Specifically, the card opening platform fills in the user's identity information and card opening elements into the form to generate a card opening application form.

Step 206: The card opening platform sends a card opening application form to the user terminal.

Step 207: The user terminal displays the card opening application form to the user.

The user side can display the card opening application form to the user through the 3D engine with AR technology.

Step 208: The user terminal sends a confirmed card opening application form to the card opening platform.

After the user terminal receives the card opening application form confirmed by the user, it directly sends it to the card opening platform. The card opening application form confirmed here can be the user's unmodified application form, or the user's modified application form for the card opening application form.

Step 209: The card issuance platform sends a confirmed card application form to the card issuing bank.

Step 210: The card issuing bank sends the card issuing result to the card issuing platform.

Step 211: The card opening platform sends the card opening result to the user terminal.

In step 212, the user terminal displays the card opening result to the user.

The user side can display the card opening result to the user through the 3D engine with AR technology.

In order to better explain the embodiments of the present invention, the above process will be described below in specific implementation scenarios.

When opening the card, the user needs to complete the login and AR recognition in the mobile terminal application, and supplement and modify the card opening elements and information submission. The card opening platform performs internal logic processing for the user’s specific operations to complete identity information authentication and opening. Card element configuration and acquisition, and pass Transaction routing sends the card opening request to the bank background of the corresponding card issuing bank to complete the card opening.

Among them, the structure of the card opening platform can be as shown in Figure 3, which mainly includes an access layer, a service layer, and a data layer. The access layer mainly maintains the network connection with the client and the bank, and manages the network status. It is responsible for receiving user network access requests and forwarding user data requests to the corresponding modules of the service layer. At the same time, the access layer also needs to maintain a session with the card opening system of each docking bank to optimize the network experience.

The service layer mainly processes the data business logic. It encapsulates the system business control logic. In this system, it is mainly composed of several modules such as message unpacking, user authentication, business template, transaction routing, and message grouping. Among them, the message is unpacked. Message unpacking is used to parse external request or response messages and extract business elements such as bank card number identification codes. User Authentication. User authentication is used to verify user identity information. In this system, it mainly includes the user's mobile phone number, password or fingerprint. Business template. After different banking institutions are connected, the system will configure their card opening element templates. This module will obtain the card opening elements of the corresponding bank for users to fill in the required information. Transaction routing. Transaction routing, as an important logical unit of the system, is responsible for bank relationship mapping and obtains the specific bank that will ultimately send the card opening request. Packet packet. The system performs message processing according to different request message formats and different message specifications of each bank to make it meet the bank interface requirements.

The data layer mainly provides business data management functions, including user information, transaction information, and configuration information. The user information includes basic information such as the user's mobile phone number, ID card, and password. The transaction information includes the business flow information of the user's card opening request. The configuration information is the card opening element of different banks and is managed by the operation configuration staff.

When the user is ready to open the card online, the input can be minimized or even zero input. Among them, the process of the credit card opening method can include:

1) The user opens the application on the user terminal, fills in the mobile phone number on the login page, and then the system will send the SMS verification code to the mobile number, complete the SMS verification and password verification, and start the subsequent card activation operation;

2) According to the analysis of the card face information identified during the AR card rights display process, the card number and other information can be obtained. If the card is opened directly without AR display, you can also use OCR and other recognition technologies to recognize the card surface;

3) The application sends the parsed card information to the card issuance platform. The card issuance platform obtains the card issuance elements of the bank in the configuration pool according to the card issuing bank matching, and returns the identity information such as the ID and name entered by the user to the user together End, displayed in the form of a form on the front page;

4) After the system automatically completes the card information, mobile phone number, ID card and other information in the form, the user can verify and modify it again. If there are other card opening elements that need to be filled in, just add it. In the embodiment of the present invention, the elements required for bank card opening basically consist of AR identification and existing personal information, and only a few personalized elements of the bank need to be filled in by the user, which greatly improves the card opening efficiency;

5) The card issuance platform preprocesses the information submitted by the user through the transaction routing, and sends it to the bank card issuance system according to the message requirements of different banks. After receiving the bank's response, the card opening result will be shown to the user. At this point, the card opening process is over;

6) After opening the card, complete the follow-up function implementation according to different product designs. For example, you can directly bind the card, and you can query transaction records and credit card repayment after the card is tied.

The foregoing process of displaying the rights and interests of the AR card can be implemented by the user terminal, and the structure of the user terminal can be shown in FIG. 4, and the mobile phone on the user terminal scans the credit card to display the AR image. The user terminal may include a card information management unit, a data storage unit, a card identification unit, a data retrieval unit, a data processing unit, and an AR display unit, a total of 6 unit modules.

Among them, the card information management unit. Enter, modify, review, delete and query basic bank card information, rights and benefits information, and the corresponding AR effect data, and associate the bank card with rights and benefits information. Data storage unit. Receive and store core data such as basic bank card information, rights and benefits information, and AR effect display information from the card information management unit. Card recognition unit. The bank card is scanned on the terminal equipment to identify basic card information including the card number, and parse it into keywords that can be used for data retrieval. Data retrieval unit. According to the keyword received from the card identification unit, the keyword is matched with the bank card equity-related information in the data storage unit to obtain specific information of the card.

In the final AR display effect, the user can perform basic interactions. If the card is a credit card and is not activated, you can set an entry in the image, and then click to enter the card opening process to achieve one-click card opening.

The embodiment of the present invention provides a method for displaying bank card rights and benefits based on AR technology, which specifically includes:

1. The user opens the mobile phone client terminal, uses the built-in camera to scan the bank card to obtain a realistic image effect, then reduces the dimensions of the information, extracts the keywords, and initiates a request to the server to obtain AR image data resources. Often use bank card number as a key word;

2. After receiving the request from the client, the server searches the data storage center based on the keywords, and obtains the card information corresponding to the bank card, the benefit information, and the pre-set AR effect information, including the theme, duration and other information, and package To the data processing unit;

3. The server unpacks the search results, performs further processing and analysis, extracts characteristic information and associates business data, converts them into data resources supported by the Unity3D engine, and returns them to the client in the form of messages;

Fourth, the user terminal receives AR data resources, performs optimization processing, and then uses the three-party Unity3D engine to achieve the final visual effect display.

When using AR to display card rights and benefits in the embodiment of the present invention, in addition to bank cards, the same solution can also be used for other card types such as membership cards. AR display and card opening entrances include but are not limited to cloud QuickPass APP, and can also be other banks or third parties.

In international application scenarios, the embodiments of the present invention can still be applied to the identification and activation process of bank cards issued by various card organizations including UnionPay.

The above embodiment shows that the credit card opening request sent by the user terminal is obtained. The credit card opening request includes the card ID of the credit card and the user ID. The credit card opening request is the opening card in the AR card rights display upon receiving the user click It is generated when the user enters or clicks the card opening button on the user side. According to the card ID of the credit card, determine the card issuance elements of the issuing bank corresponding to the credit card, determine the user's identity information according to the user ID, and generate a card application form based on the user's identity information and card issuance elements, and then issue the card The application form is sent to the client. After receiving the user's card opening confirmation information sent by the client, the confirmed card opening application form is sent to the issuing bank for card opening. The card opening application form generated by the user's identity information and the card issuing bank's card opening elements can reduce the user's filling process, simplify the user's card opening steps, and improve the user experience.

The embodiment of the present invention uses the AR technology to apply the analogy simulation of the rights and benefits information of the card to the real world, creating an intuitive, lifelike, and entertaining visual effect, thereby achieving a sensory experience of augmented reality, increasing the information conversion rate, and stimulating users to open Card, use card. If the bank card is in the state of waiting to be opened, through the card opening entrance in the AR image, you can directly jump to the unified card opening entrance of this proposal, one-click card opening and binding, providing one-stop card service.

At the same time, by providing a secure credit card issuance solution with built-in identity information, it solves the problems of downloading multiple bank mobile apps, paying attention to multiple official accounts, repeatedly inputting identity authentication information, and SMS verification, and unifying all bank credit card opening problems. Card entrance, unified user card opening experience, reduces user operating costs and the threshold for obtaining financial services, and realizes the whole process of "zero input" card opening in seconds.

Based on the same technical concept, FIG. 5 exemplarily shows a data processing device provided by an embodiment of the present invention, which can execute a data processing flow.

As shown in Figure 5, the device may include:

The obtaining unit 501 is configured to obtain a credit card opening request sent by the user terminal, the credit card opening request includes the card ID of the credit card and the user ID; the credit card opening request is the process of the user terminal receiving the user’s rights and interests in the AR card Or generated when the user requests to open the card on the user side;

The processing unit 502 is used to determine the card issuance elements of the issuing bank corresponding to the credit card according to the card identifier of the credit card, and determine the user’s identity information according to the user’s identity; according to the user’s identity information and the issuer Card element, generate a card opening application form, and send the card opening application form to the user terminal so that the user terminal displays the card opening application form to the user; upon receiving the user’s opening application form sent by the user terminal After confirming the card information, send the confirmed card opening application form to the card issuing bank corresponding to the credit card to open the card; and after receiving the card issuing bank’s card opening result, the card opening result is sent to the user terminal so that The user terminal displays the card opening result to the user.

Optionally, the processing unit 502 is further configured to: before the obtaining the credit card opening request, control the obtaining unit 501 to obtain the login request of the user sent by the client, and perform identity authentication on the user; Then, send the authentication login result to the client; Control the acquisition unit 501 to acquire the AR image data resource acquisition request sent by the client, the AR image data resource acquisition request includes the key word of the credit card; the AR image data resource of the credit card is determined according to the key word of the credit card; The AR image data resource of the credit card is sent to the client, so that the client displays the rights and interests of the AR card to the user.

Optionally, the processing unit 502 is specifically configured to: determine the card information, rights and benefits discount information, and preset AR effect information corresponding to the credit card according to the keywords of the credit card; and according to the card information, rights and benefits discount information, and preset AR effect information corresponding to the credit card Set AR effect information, extract characteristic characters and associate business data; convert the characteristic characters and associated business data into AR image data resources supported by the 3D engine.

Optionally, the processing unit 502 is specifically configured to: fill in the user's identity information and the card opening element into a form to generate a card opening application form.

Based on the same technical concept, FIG. 6 exemplarily shows a data processing device provided by an embodiment of the present invention, which can execute a data processing flow.

As shown in Figure 6, the device includes:

The obtaining unit 601 is configured to obtain a user's card opening request, which is generated by the user during the AR card rights display process or when the user requests the card opening on the user side;

The processing unit 602 is configured to generate a credit card opening request of the user according to the user's credit card identification and user identification; send the user's credit card opening request to the card opening platform so that the card opening platform can The credit card opening request generates a card opening application form; after receiving the card opening application form sent by the card opening platform, the card opening application form is displayed to the user; after receiving the card opening application form After the user confirms the information, the confirmed card opening application form is sent to the card opening platform so that the card opening platform can complete the card opening.

Optionally, the processing unit 602 is further configured to: before obtaining the user's card opening request, control the obtaining unit 601 to obtain the user's login request, and send the user's login request to the card opening platform to Make the card issuance platform perform identity authentication; collect the image information of the user's credit card; identify the key words of the credit card according to the image information; send to the card issuance platform to obtain AR image data resources according to the key words of the credit card Request; so that the card opening platform determines the AR image data resource according to the key of the credit card; receives the AR image data resource, and displays the AR card rights and interests for the user based on the AR image data resource.

Optionally, the processing unit 602 is specifically configured to identify the key word of the credit card through AR technology or OCR technology.

Based on the same technical concept, the embodiments of the present invention also provide a computer-readable storage medium, the computer-readable storage medium stores computer-executable instructions, and the computer-executable instructions are used to make the computer execute the aforementioned data processing method.

Based on the same technical concept, an embodiment of the present invention also provides a computing device, including: a memory for storing program instructions; a processor for calling the program instructions stored in the memory, and executing the data according to the obtained program Processing method.

The present invention is described with reference to flowcharts and/or block diagrams of methods, equipment (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and/or block in the flowchart and/or block diagram, and the combination of processes and/or blocks in the flowchart and/or block diagram can be realized by computer program instructions. These computer program instructions can be provided to the processors of general-purpose computers, dedicated computers, embedded processors, or other programmable data processing equipment to generate a machine that can be executed by the processor of the computer or other programmable data processing equipment A device for realizing the functions specified in one flow or multiple flows in the flowchart and/or one block or multiple blocks in the block diagram is generated.

These computer program instructions can also be stored in a computer readable memory that can guide a computer or other programmable data processing equipment to work in a specific manner, so that the instructions stored in the computer readable memory produce a manufactured product including the instruction device , The instruction device realizes the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

These computer program instructions can also be loaded on a computer or other programmable data processing equipment, so that a series of operation steps are executed on the computer or other programmable equipment to generate computer-implemented processing, so that the computer or other programmable equipment The instructions executed above provide steps for implementing functions specified in one or more processes in the flowchart and/or one or more blocks in the block diagram.

The above are only preferred embodiments of the present invention, and are not used to limit the scope of implementation of the present invention. Any modification or equivalent replacement of the present invention without departing from the spirit and scope of the present invention shall be covered by the scope of the patent application of the present invention. In the range.

201-212: Step

Claims (16)

A method of data processing, including: Obtain the credit card opening request sent by the user terminal. The credit card opening request includes the card ID of the credit card and the user ID; the credit card opening request is when the user terminal receives the user's AR card rights and interests display process or the user is in the user terminal Generated when the card is requested; According to the card ID of the credit card, determine the card issuance elements of the issuing bank corresponding to the credit card, and determine the user's identity information according to the user ID; According to the user's identity information and the card opening elements, generate a card opening application form, and send the card opening application form to the user terminal so that the user terminal displays the card opening application form to the user; After receiving the user's card opening confirmation information sent by the client, the confirmed card opening application form is sent to the card issuing bank corresponding to the credit card for card opening; and after receiving the card issuing bank's card opening result The card opening result is sent to the user terminal, so that the user terminal displays the card opening result to the user. For example, the data processing method described in item 1 of the scope of patent application, before the request to obtain a credit card, also includes: Obtain the user's login request sent by the client, and perform identity authentication on the user; After the identity authentication is passed, the authentication login result is sent to the client; Acquiring an AR image data resource acquisition request sent by the client, where the AR image data resource acquisition request includes the key word of the credit card; Determine the AR image data resource of the credit card according to the key words of the credit card; The AR image data resource of the credit card is sent to the client, so that the client displays the rights and interests of the AR card to the user. For example, the data processing method described in item 2 of the scope of patent application, the determination of the AR image data resource of the credit card according to the key words of the credit card includes: According to the key words of the credit card, determine the corresponding card information, benefit and discount information and preset AR effect information of the credit card; Extract characteristic information and associate business data based on the card information, rights and benefits information and preset AR effect information corresponding to the credit card; Convert the feature information and related business data into AR image data resources supported by the 3D engine. For example, the data processing method described in any one of items 1 to 3 in the scope of patent application, the card opening application form is generated based on the user's identity information and the card opening elements, including: Fill in the user’s identity information and the card opening elements into the form to generate a card opening application form. A method of data processing, including: Obtain the user's card opening request, which is generated by the user during the AR card rights display process or when the user requests to open the card; Generate the user's credit card opening request based on the user's credit card ID and user ID; Sending the user's credit card opening request to the card opening platform, so that the card opening platform generates a card opening application form according to the credit card opening request; After receiving the card opening application form sent by the card opening platform, display the card opening application form to the user; After receiving the user's confirmation information, send the confirmed card opening application form to the card opening platform, so that the card opening platform can complete the card opening. For example, the data processing method described in item 5 of the scope of patent application, before obtaining the user's card opening request, also includes: Obtain the login request of the user, and send the login request of the user to the card issuance platform so that the card issuance platform performs identity authentication; Collect image information of the user's credit card; Identify the keywords of the credit card based on the image information; Send a request for acquiring AR image data resources to the card issuance platform according to the keywords of the credit card; So that the card issuance platform determines the AR image data resource according to the key words of the credit card; The AR image data resource is received, and the AR card rights and interests are displayed for the user based on the AR image data resource. For example, the data processing method described in item 6 of the scope of the patent application, the key words identifying the credit card based on the image information include: Identify the key words of the credit card through AR technology or OCR technology. A data processing device includes: The acquiring unit is used to acquire the credit card opening request sent by the user terminal. The credit card opening request includes the card ID of the credit card and the user ID; the credit card opening request is when the user terminal receives the user’s rights and interests in the AR card. Or generated when the user requests to open the card on the user side; The processing unit is used to determine the card issuance elements of the issuing bank corresponding to the credit card according to the card ID of the credit card, and determine the user's identity information according to the user ID; according to the user's identity information and the card issuance Element, generate a card opening application form, and send the card opening application form to the user terminal, so that the user terminal displays the card opening application form to the user; After receiving the user’s card opening confirmation information sent by the user terminal, send the confirmed card opening application form to the card issuing bank corresponding to the credit card for card opening; and after receiving the card issuing bank’s card opening result The card opening result is sent to the user terminal, so that the user terminal displays the card opening result to the user. Such as the data processing device described in item 8 of the scope of patent application, the processing unit is also used for: Before obtaining the request for opening a credit card, controlling the obtaining unit to obtain the user's login request sent by the user terminal, and perform identity authentication on the user; After the identity authentication is passed, the authentication login result is sent to the client; Controlling the acquiring unit to acquire the AR image data resource acquisition request sent by the user terminal, where the AR image data resource acquisition request includes the key word of the credit card; Determine the AR image data resource of the credit card according to the key words of the credit card; The AR image data resource of the credit card is sent to the client, so that the client displays the rights and interests of the AR card to the user. For example, the data processing device described in item 9 of the scope of patent application, the processing unit is specifically used for: According to the key words of the credit card, determine the corresponding card information, benefit and discount information and preset AR effect information of the credit card; Extract characteristic information and associate business data based on the card information, rights and benefits information and preset AR effect information corresponding to the credit card; Convert the feature information and related business data into AR image data resources supported by the 3D engine. For example, the data processing device described in any one of items 8 to 10 in the scope of patent application, the processing unit is specifically used for: Fill in the user’s identity information and the card opening elements into the form to generate a card opening application form. A data processing device includes: The acquiring unit is used to acquire the user's card opening request, which is generated by the user during the AR card rights display process or when the user requests the card opening on the user side; The processing unit is used to generate the user's credit card opening request according to the user's credit card identification and user identification; send the user's credit card opening request to the card opening platform, so that the card opening platform can use the A credit card opening request generates a card opening application form; after receiving the card opening application form sent by the card opening platform, the card opening application form is shown to the user; after receiving the user’s confirmation information, the card opening application form will be confirmed Send the card opening application form to the card opening platform so that the card opening platform can complete the card opening. Such as the data processing device described in item 12 of the scope of patent application, the processing unit is also used for: Before obtaining the user's card opening request, control the obtaining unit to obtain the user's login request, and send the user's login request to the card opening platform, so that the card opening platform performs identity authentication; Collect image information of the user's credit card; Identify the keywords of the credit card based on the image information; Send a request for acquiring AR image data resources to the card issuance platform according to the keywords of the credit card; So that the card issuance platform determines the AR image data resource according to the key words of the credit card; The AR image data resource is received, and the AR card rights and interests are displayed for the user based on the AR image data resource. For example, the data processing device described in item 13 of the scope of patent application, the processing unit is specifically used for: Identify the key words of the credit card through AR technology or OCR technology. A computer-readable storage medium that stores computer-executable instructions that are used to make the computer execute data processing as described in any one of items 1 to 7 in the scope of the patent application method. A computing device including: Memory, used to store program instructions; The processor is used to call the program instructions stored in the memory, and execute the data processing method described in any one of items 1 to 7 in the scope of the patent application according to the obtained program.

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