WO2019205279A1 - Bank card authentication method, apparatus, device and readable storage medium - Google Patents

Abstract

A bank card authentication method, an apparatus, a device and a readable storage medium, the method comprising: receiving bank card information and a debit-credit identifier, and calling user information according to the debit-credit identifier after determining that the bank card information passes (S10); determining a reference bank card according to the user information, and determining whether an affiliated bank in the bank card information is a cooperating lending bank when determining according to the reference bank card that the bank card information is valid (S20); if the affiliated bank in the bank card information is a cooperating lending bank, sending a resource transfer instruction to a preset resource transfer system so as to transfer a resource to a bank account corresponding to the bank card information (S30); receiving a resource transfer-out amount fed back by the preset resource transfer system and a resource transfer-in amount fed back by a user corresponding to the user information, and authenticating the bank card according to the consistency between the resource transfer-out amount and the resource transfer-in amount (S40). The bank card authentication of the present method may guarantee that a bank card belongs to a user and is being used presently such that authentication is more comprehensive.

Description

 Bank card authentication method, device, device and readable storage medium

This application claims the priority of the Chinese patent application filed on April 25, 2018, the Chinese Patent Office, the application number is 201810378285.0, and the invention is entitled "Bank Card Authentication Method, Apparatus, Equipment, and Readable Storage Medium". The citation is incorporated in the application.

Technical field

The present application mainly relates to the technical field of financial risks, and in particular to a method, device, device and readable storage medium for bank card authentication.

Background technique

When a financial institution provides loans to users, it needs to bind the bank card and perform real-name authentication to lend money to the bank card with successful real-name authentication; however, the current certification is only for the validity of the bank card and the correctness of the user ID information. However, it cannot be ensured that the bundled bank card belongs to the user and is being used. The authentication of the bundled bank card is not comprehensive, and the risk of repayment is high.

Summary of the invention

The main purpose of the present application is to provide a bank card authentication method, device, device and readable storage medium, which aims to solve the problem that the bank card authentication in the prior art is not comprehensive and the repayment risk is high.

To achieve the above objective, the present application provides a bank card authentication method, and the bank card authentication method includes the following steps:

Receiving bank card information and a loan identifier, and after determining that the bank card information is qualified, invoking user information according to the loan identifier;

Determining, according to the user information, a reference bank card, and determining, according to the reference bank card, that the bank card information is valid, determining whether the home bank in the bank card information is a cooperative lending bank;

If the home bank in the bank card information is a cooperative lending bank, send a resource transfer instruction to the preset resource transfer system, so that the preset resource transfer system sends the bank account corresponding to the bank card information according to the resource transfer instruction. Carry out resource transfer;

Receiving the resource transfer amount fed back by the preset resource transfer system, and the resource transfer amount fed back by the user corresponding to the user information, according to the consistency of the resource transfer amount and the resource transfer amount to the bank The card is certified.

In addition, in order to achieve the above object, the present application further provides a bank card authentication apparatus, where the bank card authentication apparatus includes:

a receiving module, configured to receive bank card information and a loan identifier, and after determining that the bank card information is qualified, invoking user information according to the loan identifier;

a determining module, configured to determine a reference bank card according to the user information, and determine, when the bank card information is valid according to the reference bank card, whether the home bank in the bank card information is a cooperative lending bank;

a sending module, configured to: if the home bank in the bank card information is a cooperative lending bank, send a resource transfer instruction to the preset resource transfer system, so that the preset resource transfer system sends the resource transfer instruction to the bank card according to the resource transfer instruction The bank account corresponding to the information is used for resource transfer;

An authentication module, configured to receive a resource transfer amount fed back by the preset resource transfer system, and a resource transfer amount fed back by the user corresponding to the user information, according to the resource transfer amount and the resource transfer amount The consistency of the bank card is certified.

In addition, in order to achieve the above object, the present application further provides a bank card authentication device, where the bank card authentication device includes: a memory, a processor, a communication bus, and a bank card authentication program stored on the memory;

The communication bus is used to implement connection communication between a processor and a memory;

The processor is configured to execute the bank card authentication program to implement the following steps:

Receiving bank card information and a loan identifier, and after determining that the bank card information is qualified, invoking user information according to the loan identifier;

Determining, according to the user information, a reference bank card, and determining, according to the reference bank card, that the bank card information is valid, determining whether the home bank in the bank card information is a cooperative lending bank;

If the home bank in the bank card information is a cooperative lending bank, send a resource transfer instruction to the preset resource transfer system, so that the preset resource transfer system sends the bank account corresponding to the bank card information according to the resource transfer instruction. Carry out resource transfer;

Receiving the resource transfer amount fed back by the preset resource transfer system, and the resource transfer amount fed back by the user corresponding to the user information, according to the consistency of the resource transfer amount and the resource transfer amount to the bank The card is certified.

Moreover, to achieve the above objects, the present application also provides a readable storage medium storing one or more programs, the one or more programs being executable by one or more processors Used for:

Receiving bank card information and a loan identifier, and after determining that the bank card information is qualified, invoking user information according to the loan identifier;

Determining, according to the user information, a reference bank card, and determining, according to the reference bank card, that the bank card information is valid, determining whether the home bank in the bank card information is a cooperative lending bank;

If the home bank in the bank card information is a cooperative lending bank, send a resource transfer instruction to the preset resource transfer system, so that the preset resource transfer system sends the bank account corresponding to the bank card information according to the resource transfer instruction. Carry out resource transfer;

Receiving the resource transfer amount fed back by the preset resource transfer system, and the resource transfer amount fed back by the user corresponding to the user information, according to the consistency of the resource transfer amount and the resource transfer amount to the bank The card is certified.

The bank card authentication method of the embodiment, when receiving the bank card information and the loan identification, determines whether the bank card information is qualified, and after determining that the bank card information is qualified, invoking the user information according to the loan identifier; and according to the user information Determining the reference bank card to determine the validity of the bank card information according to the reference bank card. If the bank card information is valid according to the reference bank card, it is determined whether the home bank in the bank card information is a cooperative lending bank; if the bank card information is If the home bank is a cooperative lending bank, the resource transfer instruction is sent to the preset resource transfer system, so that the preset resource transfer system performs resource transfer to the bank account corresponding to the bank card information according to the resource transfer instruction; and receives the feedback of the preset resource transfer system. The amount of the resource transfer, and the amount of the resource transfered by the user corresponding to the user information, and the bank card is authenticated according to the consistency of the resource transfer amount and the amount of the resource transfer. The scheme determines the validity of the bank card information by referring to the bank card, and the reference bank card is determined by the user information, which characterizes the bank card possessed by the user, ensures that the bank account corresponding to the bank card information is owned by the user; When the vesting bank in the card information is a cooperative lending bank, the resource transfer is performed to the bank account corresponding to the bank card information, ensuring that the bank account belongs to the bank supporting the resource transfer; and the consistency of the resource transfer amount and the resource transfer amount is Explain that the user information corresponds to the user's knowledge of the amount of money transferred by the bank account, that is, whether the bank account is the bank account currently used by the user, to ensure that the bundled bank card belongs to the bank card that the user is using, and the bank card Conduct full certification to minimize the risk of repayment due to bank card certification.

DRAWINGS

1 is a schematic flow chart of a first embodiment of a bank card authentication method according to the present application;

2 is a schematic flow chart of a second embodiment of a bank card authentication method according to the present application;

3 is a schematic diagram of functional modules of a first embodiment of a bank card authentication apparatus of the present application;

4 is a schematic structural diagram of a device in a hardware operating environment involved in a method according to an embodiment of the present application;

FIG. 5 is a schematic diagram of an application scenario of the bank card authentication method of the present application.

The implementation, functional features and advantages of the present application will be further described with reference to the accompanying drawings.

detailed description

It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting.

The application provides a bank card authentication method.

Please refer to FIG. 1. FIG. 1 is a schematic flowchart diagram of a first embodiment of a bank card authentication method according to the present application. In this embodiment, the bank card authentication method includes:

Step S10: Receive bank card information and a loan identifier, and after determining that the bank card information is qualified, call user information according to the loan identifier;

The bank card authentication method of the present application is applied to an authentication server. Referring to FIG. 5, the authentication server is respectively connected to the information input terminal and the preset payment system. The manual agent records the bank card information to be authenticated through the information entry terminal and stores it in the authentication server, and the authentication server determines the validity of the bank card information; the default payment system is a preset resource transfer system for performing The resource transfer operation, wherein the resource transfer operation is essentially a deposit operation for making a payment to a bank account, that is, after receiving the instruction of the authentication server, the bank card with the authentication requirement is used for the payment, and the amount of the payment is the resource. The transferred amount is returned to the authentication server, and the authentication server authenticates the bank card according to the amount of money received by the user, that is, the amount of the resource transferred. Specifically, when there is an authentication requirement for the bank card bound in the lending process, the financial agent of the financial institution contacts the user who handles the loan business by means of face-to-face, telephone, short message or WeChat, and the user sets the bank card information and the loan identification. Inform the artificial seat. The bank card information includes a bank account provided by the user and a home bank to which the bank account belongs. The loan identifier may be a user's ID number or a loan service number, which is used to represent the uniqueness of the user in the loan business. The information input terminal is provided with a display interface. The display interface is provided with an input box for inputting bank card information and a loan identifier, and the obtained bank card information and the loan identifier are input into the corresponding input box in the display interface by the human agent, and then Transferred by the information entry terminal to the authentication server. The authentication server receives the bank card information and the loan identification, and judges the eligibility of the bank card information. The eligibility is mainly for judging the consistency of the bank account and the home bank in the bank card information, that is, judging the bank account in the bank card information. Whether it belongs to the home bank in the bank card information. Since the bank account and the home bank are provided by the user, the consistency between the two is a basic requirement. If the two are inconsistent, the user is unfamiliar with the bank card, not the bank card currently used by the user. If the bank account in the bank card information belongs to the home bank in the bank card information, that is, the bank card information is qualified, the user information is invoked according to the loan identifier, wherein the user information includes but is not limited to the user name, age, ID card number, mobile phone number Wait. When a user handles a loan business at a financial institution, the user information is inevitably filled in, and the loan identification characterizes the uniqueness of the user in the loan business. Information related to the user's loan business can be obtained through the loan identification query; After the user information is sent, the user information is called to facilitate subsequent authentication of the bank card.

Step S20: determining a reference bank card according to the user information, and determining, when the bank card information is valid according to the reference bank card, whether the home bank in the bank card information is a cooperative lending bank;

Further, after the user information is invoked, the reference bank card is determined according to the user information. Specifically, the user information includes the user's ID number, and the user needs to input the ID number when the bank card is processed, that is, the user's ID number has an association relationship with the bank card, thereby passing the ID number in the user information. You can query all the bank cards processed by the user and use all the bank cards as reference bank cards. According to the reference bank card, the validity of the bank card information is determined, and the validity of the bank card information is used to represent that the bank account corresponding to the bank card information is indeed owned by the user. The bank card is determined by the reference bank card, which includes the bank account, that is, each bank account of the bank card that the user has, and the bank card information also includes the bank account. Compare the bank account in the bank card information with the bank account of the reference bank card, and determine whether the bank account in the bank card information exists in the bank account of the reference bank card, and if so, the bank account corresponding to the bank card information is indeed For the user, the bank card information is valid. In addition, because financial institutions have restrictions on the transfer of funds supported by the lending business, that is, the lending banks, they only lend to the bank accounts of certain banks, and the banks that support lending are used as cooperative lending banks. Considering that the vesting bank in the bank card information may not support the lending, such as supporting the bank lending to A1, A2, and A3, the vesting bank in the bank card information is A4. Therefore, it is necessary to judge whether the attributable bank in the bank card information is a cooperative lending bank to determine whether the bank account corresponding to the bank card information provided by the user is available for lending of the lending business. Understandably, for a financial institution, the bank that supports the lending is determined. If the vesting bank in the bank card information determines that one of the cooperative lending banks is supported for this purpose, the vesting bank may be determined to be a cooperative lending bank; otherwise If the home bank is not one of the identified cooperative lending banks, it is determined that the home bank is not a cooperative lending bank.

Step S30, if the home bank in the bank card information is a cooperative lending bank, send a resource transfer instruction to the preset resource transfer system, so that the preset resource transfer system corresponds to the bank card information according to the resource transfer instruction. Bank account for resource transfer;

Further, if the home bank in the bank card information is one of the determined cooperative lending banks, and the home bank in the bank card information is a cooperative lending bank, the bank account corresponding to the bank card information provided by the user is available for the resource. Transfer, you can use it for lending, and further determine whether the card is the bank card currently used by the user. Specifically, the resource transfer instruction is sent to the preset payment system, and the resource transfer instruction is a payment instruction, and the amount of the random amount of the bank account corresponding to the bank card information is preset by the payment system. The payment instruction includes the bank account that needs to be paid, and the bank account is the bank account in the bank card information. After receiving the payment instruction, the default payment system will make a payment to the bank account, and the amount of the payment is a random amount within a certain amount of money, so as to verify whether the bank card is the bank card currently used by the user.

Step S40: Receive a resource transfer amount fed back by the preset resource transfer system, and a resource transfer amount fed back by the user corresponding to the user information, according to the consistency of the resource transfer amount and the resource transfer amount. Bank card for certification.

Further, the preset payment system, that is, the preset resource transfer system, after making a random amount of money to the bank account in the bank card information, returns the amount of the money, that is, the amount of the resource transferred, to the authentication server, and the authentication server receives The resource value returned by the default payment system is transferred out and stored in the storage unit. At the same time, the manual agent contacts the user corresponding to the user information, and the user feeds back the amount of the payment received by the user card through the user terminal, and the amount of the payment amount fed back by the user terminal is input to the display interface on the information input terminal by the manual agent. The information entry terminal transmits to the authentication server, and the authentication server transfers the amount of the feedback from the user as a resource, and authenticates the bank card according to the consistency of the resource transfer amount and the resource transfer amount. Understandably, for the bank card currently used by the user, the user should be aware of the amount of the amount received by the bank card, and the amount of the feedback should be the same as the amount of the deposit by the default payment system, that is, the default payment system. The amount of resource transfer returned is consistent with the amount of resource transfer returned by the user terminal. Therefore, the certification of the bank card can be achieved through the consistency of the amount of resource transfer and the amount of resource transfer, and the specific steps include:

In step S41, it is determined whether the resource transfer amount and the resource transfer amount are consistent. If the resource transfer amount is consistent with the resource transfer amount, the resource transfer is performed to the preset resource transfer system by a preset number of times. The steps of the instruction;

When the authentication server stores the resource transfer amount of the money punched by the default payment system, the authentication server adds a loan identifier to the stored resource transfer amount. When the human agent transfers the resource fed back by the user into the information input terminal, the same is entered according to the loan identifier, and the borrowing identifier is also carried in the resource transfer amount. Therefore, the resource transfer amount corresponding to the resource transfer amount is searched from the resource transfer amount stored by the authentication server according to the loan identifier, and the corresponding resource transfer amount and the resource transfer amount are compared to determine whether the two are consistent; Consistent means that the amount received by the bank card is indeed the amount of money sent by the payment system. The bank card is currently used by the user. In order to further ensure that the user's use of the bank card is not an accidental event, a mechanism for sending a deposit instruction to the preset payment system is set a plurality of times, and the number of specific payment is preset. That is, the default payment system makes a random amount of money to the card number in the bank card information according to the preset number of times, and judges whether the bank card is the current user according to the consistency of the resource transfer amount and the resource transfer amount of each payment. The bank card used.

Step S42, if the amount of the resource transfer out of the preset number of times is consistent with the amount of the resource transfer, determining that the bank card authentication is successful;

If the preset amount of resource transfer amount and the resource transfer amount are the same, the user knows the flow of funds in the bank card, and the bank account is determined to be the bank account the user is using, and the bank card authentication is successful. The consistency judgment of the amount of resource transfer and the amount of resource transfer can be judged in a single judgment or in a unified judgment. For a single judgment, it is judged whether the amount of resource transfer and the amount of resource transfer are consistent after each withdrawal operation. Then proceed to the next payment operation until the preset number of withdrawals is completed. In the unified judgment, after all the preset number of payment operations are completed, the resource transfer amount and the resource transfer amount are read each time, and it is determined whether the two are consistent each time. Since the unified judgment involves multiple resource transfer amounts and multiple resource transfer amounts, it is necessary to determine the correspondence between the resource transfer amount and the resource transfer amount, that is, the amount of resource transfer corresponding to each withdrawal operation and The amount of resources transferred. Considering that the preset number of deposit operations are performed in chronological order, when determining the correspondence between the resource transfer amount and the resource transfer amount, it may also be performed in chronological order, that is, the resource transfer amount before the time sequence. Corresponding to the amount of resource transfer before the chronological order corresponds to a withdrawal operation, and according to the corresponding relationship, the consistency of the resource transfer amount of each withdrawal operation and the amount of resource transfer is unified.

In step S43, if the resource transfer amount and the resource transfer amount are inconsistent in any one of the preset times, it is determined that the bank card authentication fails.

If there is any inconsistency between the amount of resource transfer and the amount of resource transfer in a predetermined number of resource transfer amounts and the amount of resource transfer, the user's use of the bank card is unstable, and the bank card is determined. Authentication failed. The judgment of consistency includes two methods: single judgment and unified judgment. In the single judgment, once the amount of resource transfer and the amount of resource transfer are inconsistent, the bank card authentication failure is directly judged, and the next time is not performed. In the case of unified judgment, once the amount of resource transfer and the amount of resource transfer are inconsistent, the amount of resource transfer and the amount of resource transfer that have not been consistently judged are not judged, and the bank card certification fails. In addition, considering the occurrence of a single inconsistency may be a contingency event of the user, thereby setting a judgment threshold; when the number of times the resource transfer amount and the resource transfer amount are inconsistent in the preset number of times is greater than the threshold, the bank is explained The card is not the bank card currently used by the user, and the bank card authentication failure is determined. The judgment threshold is set to improve the accuracy of the judgment.

The bank card authentication method of the embodiment, when receiving the bank card information and the loan identification, determines whether the bank card information is qualified, and after determining that the bank card information is qualified, invoking the user information according to the loan identifier; and according to the user information Determining the reference bank card to determine the validity of the bank card information according to the reference bank card. If the bank card information is valid according to the reference bank card, it is determined whether the home bank in the bank card information is a cooperative lending bank; if the bank card information is If the home bank is a cooperative lending bank, the resource transfer instruction is sent to the preset resource transfer system, so that the preset resource transfer system performs resource transfer to the bank account corresponding to the bank card information according to the resource transfer instruction; and receives the feedback of the preset resource transfer system. The amount of the resource transfer, and the amount of the resource transfered by the user corresponding to the user information, and the bank card is authenticated according to the consistency of the resource transfer amount and the amount of the resource transfer. The scheme determines the validity of the bank card information by referring to the bank card, and the reference bank card is determined by the user information, which characterizes the bank card possessed by the user, ensures that the bank account corresponding to the bank card information is owned by the user; When the vesting bank in the card information is a cooperative lending bank, the resource transfer is performed to the bank account corresponding to the bank card information, ensuring that the bank account belongs to the bank supporting the resource transfer; and the consistency of the resource transfer amount and the resource transfer amount is Explain that the user information corresponds to the user's knowledge of the amount of money transferred by the bank account, that is, whether the bank account is the bank account currently used by the user, to ensure that the bundled bank card belongs to the bank card that the user is using, and the bank card Conduct full certification to minimize the risk of repayment due to bank card certification.

Further, in another embodiment of the bank card authentication method of the present application, the determining a reference bank card according to the user information, and determining that the bank card information is valid according to the reference bank card, determining the bank card The steps in the information whether the attributable bank is a cooperative lending bank include:

Step S21, establishing a communication connection with a third-party querying institution, transmitting the user information to the third-party querying institution, and receiving the reference bank card obtained by the third-party querying institution to query the user information;

Further, the reference bank card is a bank card processed by the user ID number. When the reference bank card is determined according to the user information, the authentication server establishes a communication connection with the third-party inquiry institution, and the third-party inquiry institution has the identity card number and The institution that is associated with the bank card inquiry qualification. The authentication server transmits the user information to the third-party inquiry institution, and the user information is specifically an ID card number, and the third-party inquiry institution queries the ID card number, and obtains the bank card processed by the ID card number. The third-party inquiring agency returns the bank card obtained by the inquiry to the authentication server, and the authentication server receives the bank card and uses it as a reference bank card.

Step S22, determining, according to the reference bank card, whether the bank card information is valid, and if the bank card information is valid, comparing the home bank in the bank card information with a preset bank bank to determine the home bank Whether it exists in the preset lending bank library to determine whether the home bank in the bank card information is a cooperative lending bank.

Because the validity of the bank card information is used to represent the bank account corresponding to the bank card information for the user, and the reference bank card is obtained by the third-party inquiry institution, the bank card information possessed by the user can be accurately reflected, thereby The bank card can determine whether the bank card information is valid. The specific judgment steps include:

Determining whether an intersection between the card number in the bank card information and the reference card number of the reference bank card is a null value, and if the intersection between the card number and the reference card number is not null, determining the bank The card information is valid; otherwise, it is determined that the bank card information is invalid.

Further, the third-party inquiry institution obtains the information of the reference bank card while obtaining the reference bank card through the ID card number inquiry, wherein the information captured includes the bank account to which the reference bank card belongs, and the bank account of the reference bank card. Etc., and return such captured information to the authentication server. The authentication server judges the validity of the bank card information according to the information of the reference bank card. Specifically, the user may have multiple bank cards, that is, there are multiple reference bank cards, and the account of each reference bank card The information serves as a reference account for each reference bank card, and each reference account is used as an element in a collection. At the same time, the bank account in the bank card information is used as an element in another set, and the two sets are intersected, and it is judged whether the result of the two intersections is an empty set, that is, the reference of the bank account and the reference bank card in the bank card information is judged. Whether the intersection between accounts is null. If the value is null, the bank account in the bank card information provided by the user does not exist in the reference account of the reference bank card obtained by the third-party inquiry institution. The bank card information provided by the user is inaccurate, the bank card information is invalid, and the output is invalid. Replace the prompt information belonging to the user's own bank card. If it is not null, it means that the bank account in the bank card information provided by the user exists in the reference account of the reference bank card obtained by the third-party inquiry institution, and the bank card information provided by the user is accurate, and the bank card belongs to the user himself. Bank card information is valid.

Since the financial institution has restrictions on the bank that supports the loan, after determining that the bank card information provided by the user is valid, it is necessary to further determine whether the bank account corresponding to the bank card information is a bank supporting the loan. specifically. The cooperative lending bank that supports the lending by the financial institution forms a default lending bank, compares the vesting bank in the bank card information with the default lending bank, and determines whether the vesting bank exists in the default lending bank, if it exists in the pre- In the bank of the lending bank, the bank in the bank card information is the cooperative lending bank that supports the lending; if it does not exist in the default lending bank, the bank in the bank card information is not the cooperating bank that supports the lending. It is necessary to modify the bank card information and provide the bank card information of the cooperative lending bank that supports the lending.

Further, in another embodiment of the bank card authentication method of the present application, after the determining that the bank card information is qualified, the step of invoking user information according to the loan identifier includes:

Step S11, reading a pre-preset digit of the card number in the bank card information, comparing the pre-preset digit with a preset bank card encoding library, and determining a target bank corresponding to the preset digit;

Further, the eligibility of the bank card information in the embodiment is mainly for the consistency of the bank account and the home bank in the bank card information, that is, whether the bank account in the bank card information belongs to the home bank in the bank card information. After receiving the bank card information and the loan identification, the judgment on the eligibility of the bank card information is mainly judged by the bank account therein. Specifically, this embodiment describes the bank card number as a bank account, because the bank card numbers of the banks are different, but follow the unified regulations; the first six digits represent the issuer identification code; the middle digits are from the seventh The beginning of the number is the personal account identifier, defined by the bank, between 6-12 digits; the last digit is the check digit, which is calculated by each bank using a specific algorithm based on the previous multiple digits. The first six digits in the bank card number represent the issuer identification code, that is, the bank to which the bank card belongs, so that the home bank of the bank card can be determined according to the first six digits of the card number in the bank card information. The first 6 digits of each bank and the corresponding bank as elements form the default bank card number code library, such as 622260 for Bank of Communications Pacific Card Debit Card, 622200 for ICBC Peony Money Link Card Debit Card, 622280 for China The Construction Bank pays the Baolong Card Debit Card and pre-forms the bank card number code library for the banks represented by 622260, 622200, 622280 and their respective counterparts. Read the preset number of the card number in the bank card information. The preset digit indicates the bank to which the card number belongs. The corresponding setting is 6 digits, that is, reading the first 6 digits of the card number in the bank card information, and will The 6-digit number is compared with the preset bank card number encoding library, and the bank card number code corresponding to the first 6 digits is determined, and the bank corresponding to the corresponding bank card number code in the preset bank card number encoding library is determined as the target bank. That is, if the first 6 digits read is 622200, compare it with the bank card number code in the default bank card number code library, and determine the bank card number code 622200. The 622200 in the default bank card number code library indicates the ICBC Peony Money Link Card. The debit card is used to identify the Industrial and Commercial Bank of China as the target bank corresponding to the card number in the bank card information.

Step S12: determining whether the home bank and the target bank in the bank card information are consistent. If the home bank and the target bank are consistent, determining that the bank card information is qualified, and calling the User Info.

Further, after determining the target bank corresponding to the bank account in the bank card information, determining whether the home bank and the target bank in the bank card information are consistent, that is, determining the target bank to which the home bank and the bank account provided by the user actually belong. Is it consistent? If they are consistent, the user's bank and bank card information provided by the user are consistent with the target bank actually belonging to the bank account, and if the bank card information is qualified, the user information is further invoked according to the received loan identifier.

Further, referring to FIG. 2, based on the first embodiment of the bank card authentication method of the present application, a second embodiment of the bank card authentication method of the present application is proposed. In the second embodiment, the bank card information is determined. After the steps of whether the vesting bank is a cooperative lending bank includes:

Step S50: If the home bank in the bank card information is not the cooperative lending bank, read the home identifier of the reference bank card, and preset a reference identifier of each bank in the bank bank, and determine the reference identifier. Whether there is a target reference identifier consistent with the attribution identifier;

In the solution of the embodiment, when the home bank in the bank card information is judged as a cooperative lending bank, and it is determined that the home bank in the bank card information is not a cooperative lending bank, the bank card provided by the user is not supporting the lending. The bank needs to prompt the user to change the bank card information. In order to make the bank card information exchanged by the user a bank that supports the lending, the bank is prompted according to the bank that supports the lending, and the bank that supports the lending in the prompt information may not have the user, in order to prompt the user more accurately. , recommend the bank that the user has and supports the loan. Specifically, when the home bank in the bank card information is not a cooperative lending bank, the home identifier of the reference bank card is read, and the home identifier is used to indicate the bank to which the reference bank card owned by the user belongs, such as the reference bank card m. The attribution flag f1 indicates the bank M to which it belongs. At the same time, the reference identifiers of the banks in the preset lending bank library are read. The reference identifiers are used to indicate the types of banks to which the cooperative lending banks supporting the lending in the default lending bank library belong, such as the bank in the default cooperative lending bank card. It is characterized by reference identifier f2 that it belongs to bank type N. After that, each of the read home identifiers is compared with the reference identifier, and it is determined whether there is a target reference identifier that is consistent with the home identifier in the reference identifier. The bank indicated by the target reference identifier is a bank owned by the user and supports the loan.

Step S60: If the target reference identifier that is consistent with the home identifier exists in the reference identifier, obtain bank information of the bank corresponding to the target reference identifier, and use the bank information as a loan recommendation bank to replace the attribution The bank's prompt information is output.

Further, when the home identifiers are compared with the reference identifiers one by one, and the target reference identifiers that are consistent with the home identifiers are determined in the reference identifiers, that is, the banks that support the deposits exist in each bank card that the user has. Thereby, the bank information of the bank corresponding to the target reference identifier is obtained, and the bank information is a recommended bank supporting the loan, and the bank information is outputted as a loan recommendation bank in the prompt information for replacing the home bank. The output mode may be output to a display device that is in communication with the authentication server, and the user is notified by the artificial agent; or the prompt information may be output to the user's mobile phone number by means of a short message according to the user's mobile phone number in the user information. The prompt information is used to prompt the user to replace the bank card, and the bank information is added to the prompt information to represent the bank that the user has to support the loan; the user is convenient to directly change the original bank card information to the prompt information according to the prompt information. Bank information corresponding to the bank card. If the bank information in the prompt information is the bank recommendation bank B, the user changes the bank card information according to the prompt information to the bank account of the bank No. B of the loan recommendation bank, and the bank that recommends the bank B and the bank that recommends the bank with B The account is used as the new bank card information. By carrying the prompt information of the bank information, the user can conveniently and quickly replace the bank card information to support the loan.

In addition, referring to FIG. 3, the present application provides a bank card authentication apparatus. In the first embodiment of the bank card authentication apparatus of the present application, the bank card authentication apparatus includes:

The receiving module 10 is configured to receive the bank card information and the loan identifier, and after determining that the bank card information is qualified, call the user information according to the loan identifier;

The determining module 20 is configured to determine a reference bank card according to the user information, and determine, when the bank card information is valid according to the reference bank card, whether the home bank in the bank card information is a cooperative lending bank;

The sending module 30 is configured to: if the home bank in the bank card information is a cooperative lending bank, send a resource transfer instruction to the preset resource transfer system, so that the preset resource transfer system sends the resource transfer instruction to the bank according to the resource transfer instruction The bank account corresponding to the card information is used for resource transfer;

The authentication module 40 is configured to receive a resource transfer amount fed back by the preset resource transfer system, and a resource transfer amount fed back by the user corresponding to the user information, according to the resource transfer amount and the resource transfer The consistency of the amount is to certify the bank card.

The bank card authentication apparatus of the embodiment, when the receiving module 10 receives the bank card information and the loan identification, determines whether the bank card information is qualified, and after determining that the bank card information is qualified, calls the user information according to the loan identifier; Determining the reference bank card according to the user information to determine the validity of the bank card information according to the reference bank card. If the bank card information is determined according to the reference bank card, the determining module 20 determines whether the home bank in the bank card information is a cooperative lending bank; If the home bank in the bank card information is a cooperative lending bank, the sending module 30 sends a resource transfer instruction to the preset resource transfer system, so that the preset resource transfer system performs resource transfer to the bank account corresponding to the bank card information according to the resource transfer instruction. The authentication module 40 receives the resource transfer amount fed back by the preset resource transfer system, and the resource transfer amount fed back by the user corresponding to the user information, and performs the bank card according to the consistency of the resource transfer amount and the resource transfer amount. Certification. The scheme determines the validity of the bank card information by referring to the bank card, and the reference bank card is determined by the user information, which characterizes the bank card possessed by the user, ensures that the bank account corresponding to the bank card information is owned by the user; When the vesting bank in the card information is a cooperative lending bank, the resource transfer is performed to the bank account corresponding to the bank card information, ensuring that the bank account belongs to the bank supporting the resource transfer; and the consistency of the resource transfer amount and the resource transfer amount is Explain that the user information corresponds to the user's knowledge of the amount of money transferred by the bank account, that is, whether the bank account is the bank account currently used by the user, to ensure that the bundled bank card belongs to the bank card that the user is using, and the bank card Conduct full certification to minimize the risk of repayment due to bank card certification.

Further, in another embodiment of the bank card authentication apparatus of the present application, the authentication module is further configured to:

Determining whether the resource transfer amount is consistent with the resource transfer amount, and if the resource transfer amount is consistent with the resource transfer amount, performing the step of sending a resource transfer instruction to the preset resource transfer system for a preset number of times ;

If the amount of the resource transfer out of the preset number of times is consistent with the amount of the resource transfer, determining that the bank card authentication is successful;

If the amount of the resource transfer out of any one of the preset times is inconsistent with the amount of the resource transfer, it is determined that the bank card authentication fails.

The virtual function modules of the bank card authentication device are stored in the memory 1005 of the bank card authentication device shown in FIG. 4, and when the processor 1001 executes the bank card authentication program, the functions of the modules in the embodiment shown in FIG. 3 are implemented.

It should be noted that those skilled in the art can understand that all or part of the steps of implementing the above embodiments may be completed by hardware, or may be instructed by a program to execute related hardware, and the program may be stored in a computer readable state. In the storage medium, the above-mentioned storage medium may be a read only memory, a magnetic disk or an optical disk or the like.

Referring to FIG. 4, FIG. 4 is a schematic structural diagram of a device in a hardware operating environment involved in a method according to an embodiment of the present application.

The bank card authentication device in the embodiment of the present application may be a PC (personal computer) ), it can also be terminal devices such as smartphones, tablets, e-book readers, and portable computers.

As shown in FIG. 4, the bank card authentication device may include: a processor 1001, such as a CPU (Central Processing) Unit, central processing unit, memory 1005, communication bus 1002. The communication bus 1002 is used to implement connection communication between the processor 1001 and the memory 1005. The memory 1005 can be a high speed RAM (random Access memory, random access memory, or stable memory (non-volatile Memory), such as disk storage. The memory 1005 can also optionally be a storage device independent of the aforementioned processor 1001.

Optionally, the bank card authentication device may further include a user interface, a network interface, a camera, and an RF (Radio) Frequency, RF) circuit, sensor, audio circuit, WiFi (Wireless Fidelity, wireless broadband) modules and more. The user interface may include a display, an input unit such as a keyboard, and the optional user interface may also include a standard wired interface, a wireless interface. The network interface can optionally include a standard wired interface or a wireless interface (such as a WI-FI interface).

It will be understood by those skilled in the art that the bank card authentication device structure shown in FIG. 4 does not constitute a limitation of the bank card authentication device, and may include more or less components than the illustration, or combine some components, or different. Parts layout.

As shown in FIG. 4, an operating system, a network communication module, and a bank card authentication program may be included in the memory 1005 as a computer readable storage medium. The operating system is a program that manages and controls the hardware and software resources of the bank card authentication device, and supports the operation of the bank card authentication program and other software and/or programs. The network communication module is used to implement communication between components within the memory 1005 and to communicate with other hardware and software in the bank card authentication device.

In the bank card authentication device shown in FIG. 4, the processor 1001 is configured to execute the bank card authentication program stored in the memory 1005, and implement the steps in the embodiments of the bank card authentication method.

The application provides a readable storage medium storing one or more programs, the one or more programs being further executable by one or more processors for implementing the bank card described above The steps in the various embodiments of the authentication method.

It is also to be understood that the term "comprises", "comprising", or any other variants thereof is intended to encompass a non-exclusive inclusion, such that a process, method, article, or device that comprises a And includes other elements not explicitly listed, or elements that are inherent to such a process, method, article, or device. An element that is defined by the phrase "comprising a ..." does not exclude the presence of additional equivalent elements in the process, method, item, or device that comprises the element.

The serial numbers of the embodiments of the present application are merely for the description, and do not represent the advantages and disadvantages of the embodiments.

Through the description of the above embodiments, those skilled in the art can clearly understand that the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better. Implementation. Based on such understanding, portions of the technical solution of the present application that contribute substantially or to the prior art may be embodied in the form of a software product stored in a readable storage medium (such as a ROM as described above). /RAM, disk, CD-ROM includes a number of instructions for causing a terminal device (which may be a cell phone, a computer, a server, or a network device, etc.) to perform the methods described in various embodiments of the present application.

The above description is only a preferred embodiment of the present application, and is not intended to limit the scope of the patents of the present application, and the equivalent structural transformations made by the contents of the specification and the drawings of the present application, or directly/indirectly Other related technical fields are included in the patent protection scope of the present application.

Claims (20)

1.  A bank card authentication method, characterized in that the bank card authentication method comprises the following steps:

   Receiving bank card information and a loan identifier, and after determining that the bank card information is qualified, invoking user information according to the loan identifier;

   Determining, according to the user information, a reference bank card, and determining, according to the reference bank card, that the bank card information is valid, determining whether the home bank in the bank card information is a cooperative lending bank;

   If the home bank in the bank card information is a cooperative lending bank, send a resource transfer instruction to the preset resource transfer system, so that the preset resource transfer system sends the bank account corresponding to the bank card information according to the resource transfer instruction. Carry out resource transfer;

   Receiving the resource transfer amount fed back by the preset resource transfer system, and the resource transfer amount fed back by the user corresponding to the user information, according to the consistency of the resource transfer amount and the resource transfer amount to the bank The card is certified.
2. The bank card authentication method according to claim 1, wherein the step of authenticating the bank card according to the consistency of the resource transfer amount and the resource transfer amount comprises:

   Determining whether the resource transfer amount is consistent with the resource transfer amount, and if the resource transfer amount is consistent with the resource transfer amount, performing the step of sending a resource transfer instruction to the preset resource transfer system for a preset number of times ;

   If the amount of the resource transfer out of the preset number of times is consistent with the amount of the resource transfer, determining that the bank card authentication is successful;

   If the amount of the resource transfer out of any one of the preset times is inconsistent with the amount of the resource transfer, it is determined that the bank card authentication fails.
3. The bank card authentication method according to claim 1, wherein said determining a reference bank card based on said user information, and determining said bank card when said bank card information is valid according to said reference bank card The steps in the information whether the attributable bank is a cooperative lending bank include:

   Establishing a communication connection with the third-party querying institution, transmitting the user information to the third-party querying institution, and receiving the reference bank card obtained by the third-party querying institution to query the user information;

   Determining, according to the reference bank card, whether the bank card information is valid, and if the bank card information is valid, comparing the home bank in the bank card information with a preset lending bank library to determine whether the home bank exists The preset lending bank is configured to determine whether the home bank in the bank card information is a cooperative lending bank.
4. The method for authenticating a bank card according to claim 3, wherein the step of determining whether the bank card information is valid according to the reference bank card comprises:

   Determining whether an intersection between the card number in the bank card information and the reference card number of the reference bank card is a null value, and if the intersection between the card number and the reference card number is not null, determining the bank The card information is valid; otherwise, it is determined that the bank card information is invalid.
5. The bank card authentication method according to claim 1, wherein the step of calling the user information according to the loan identifier after determining that the bank card information is qualified comprises:

   Reading a pre-preset digit of the card number in the bank card information, comparing the pre-preset digit with a preset bank card encoding library, and determining a target bank corresponding to the preset digit;

   Determining whether the home bank and the target bank in the bank card information are consistent. If the home bank and the target bank are consistent, determining that the bank card information is qualified, and calling the user information according to the loan identifier.
6. The bank card authentication method according to claim 1, wherein the step of determining whether the home bank in the bank card information is a cooperative lending bank comprises:

   If the home bank in the bank card information is not the cooperative lending bank, reading the attribution identifier of the reference bank card, and presetting the reference identifier of each bank in the bank library, and determining whether the reference identifier exists a target reference identifier consistent with the attribution identifier;

   If the target reference identifier is consistent with the home identifier, the bank information of the bank corresponding to the target reference identifier is obtained, and the bank information is used as a prompt for the bank to replace the home bank Output in the message.
7. A bank card authentication device, wherein the bank card authentication device comprises:

   a receiving module, configured to receive bank card information and a loan identifier, and after determining that the bank card information is qualified, invoking user information according to the loan identifier;

   a determining module, configured to determine a reference bank card according to the user information, and determine, when the bank card information is valid according to the reference bank card, whether the home bank in the bank card information is a cooperative lending bank;

   a sending module, configured to: if the home bank in the bank card information is a cooperative lending bank, send a resource transfer instruction to the preset resource transfer system, so that the preset resource transfer system sends the resource transfer instruction to the bank card according to the resource transfer instruction The bank account corresponding to the information is used for resource transfer;

   An authentication module, configured to receive a resource transfer amount fed back by the preset resource transfer system, and a resource transfer amount fed back by the user corresponding to the user information, according to the resource transfer amount and the resource transfer amount The consistency of the bank card is certified.
8. The bank card authentication device according to claim 7, wherein the authentication module is further configured to:

   Determining whether the resource transfer amount is consistent with the resource transfer amount, and if the resource transfer amount is consistent with the resource transfer amount, performing the step of sending a resource transfer instruction to the preset resource transfer system for a preset number of times ;

   If the amount of the resource transfer out of the preset number of times is consistent with the amount of the resource transfer, determining that the bank card authentication is successful;

   If the amount of the resource transfer out of any one of the preset times is inconsistent with the amount of the resource transfer, it is determined that the bank card authentication fails.
9. A bank card authentication device, characterized in that: the bank card authentication device comprises: a memory, a processor, a communication bus, and a bank card authentication program stored on the memory;

   The communication bus is used to implement connection communication between a processor and a memory;

   The processor is configured to execute the bank card authentication program to implement the following steps:

   Receiving bank card information and a loan identifier, and after determining that the bank card information is qualified, invoking user information according to the loan identifier;

   Determining, according to the user information, a reference bank card, and determining, according to the reference bank card, that the bank card information is valid, determining whether the home bank in the bank card information is a cooperative lending bank;

   If the home bank in the bank card information is a cooperative lending bank, send a resource transfer instruction to the preset resource transfer system, so that the preset resource transfer system sends the bank account corresponding to the bank card information according to the resource transfer instruction. Carry out resource transfer;

   Receiving the resource transfer amount fed back by the preset resource transfer system, and the resource transfer amount fed back by the user corresponding to the user information, according to the consistency of the resource transfer amount and the resource transfer amount to the bank The card is certified.
10. The bank card authentication device according to claim 9, wherein the step of authenticating the bank card according to the consistency of the resource transfer amount and the resource transfer amount comprises:

    Determining whether the resource transfer amount is consistent with the resource transfer amount, and if the resource transfer amount is consistent with the resource transfer amount, performing the step of sending a resource transfer instruction to the preset resource transfer system for a preset number of times ;

    If the amount of the resource transfer out of the preset number of times is consistent with the amount of the resource transfer, determining that the bank card authentication is successful;

    If the amount of the resource transfer out of any one of the preset times is inconsistent with the amount of the resource transfer, it is determined that the bank card authentication fails.
11. The bank card authentication device according to claim 9, wherein said determining a reference bank card based on said user information, and determining that said bank card information is valid when said bank card information is valid according to said reference bank card The steps in the information whether the attributable bank is a cooperative lending bank include:

    Establishing a communication connection with the third-party querying institution, transmitting the user information to the third-party querying institution, and receiving the reference bank card obtained by the third-party querying institution to query the user information;

    Determining, according to the reference bank card, whether the bank card information is valid, and if the bank card information is valid, comparing the home bank in the bank card information with a preset lending bank library to determine whether the home bank exists The preset lending bank is configured to determine whether the home bank in the bank card information is a cooperative lending bank.
12. The bank card authentication device according to claim 11, wherein the step of determining whether the bank card information is valid according to the reference bank card comprises:

    Determining whether an intersection between the card number in the bank card information and the reference card number of the reference bank card is a null value, and if the intersection between the card number and the reference card number is not null, determining the bank The card information is valid; otherwise, it is determined that the bank card information is invalid.
13. The bank card authentication device according to claim 9, wherein the step of calling the user information according to the loan identifier after determining that the bank card information is qualified comprises:

    Reading a pre-preset digit of the card number in the bank card information, comparing the pre-preset digit with a preset bank card encoding library, and determining a target bank corresponding to the preset digit;

    Determining whether the home bank and the target bank in the bank card information are consistent. If the home bank and the target bank are consistent, determining that the bank card information is qualified, and calling the user information according to the loan identifier.
14. The bank card authentication device according to claim 9, wherein the step of determining whether the home bank in the bank card information is a cooperative lending bank comprises:

    If the home bank in the bank card information is not the cooperative lending bank, reading the attribution identifier of the reference bank card, and presetting the reference identifier of each bank in the bank library, and determining whether the reference identifier exists a target reference identifier consistent with the attribution identifier;

    If the target reference identifier is consistent with the home identifier, the bank information of the bank corresponding to the target reference identifier is obtained, and the bank information is used as a prompt for the bank to replace the home bank Output in the message.
15. A readable storage medium, characterized in that the readable storage medium stores a bank card authentication program, and the bank card authentication program is executed by a processor to implement the following steps:

    Receiving bank card information and a loan identifier, and after determining that the bank card information is qualified, invoking user information according to the loan identifier;

    Determining, according to the user information, a reference bank card, and determining, according to the reference bank card, that the bank card information is valid, determining whether the home bank in the bank card information is a cooperative lending bank;

    If the home bank in the bank card information is a cooperative lending bank, send a resource transfer instruction to the preset resource transfer system, so that the preset resource transfer system sends the bank account corresponding to the bank card information according to the resource transfer instruction. Carry out resource transfer;

    Receiving the resource transfer amount fed back by the preset resource transfer system, and the resource transfer amount fed back by the user corresponding to the user information, according to the consistency of the resource transfer amount and the resource transfer amount to the bank The card is certified.
16. The readable storage medium of claim 15, wherein the step of authenticating the bank card according to the consistency of the resource transfer amount and the resource transfer amount comprises:

    Determining whether the resource transfer amount is consistent with the resource transfer amount, and if the resource transfer amount is consistent with the resource transfer amount, performing the step of sending a resource transfer instruction to the preset resource transfer system for a preset number of times ;

    If the amount of the resource transfer out of the preset number of times is consistent with the amount of the resource transfer, determining that the bank card authentication is successful;

    If the amount of the resource transfer out of any one of the preset times is inconsistent with the amount of the resource transfer, it is determined that the bank card authentication fails.
17. The readable storage medium according to claim 15, wherein said determining a reference bank card based on said user information, and determining said bank card when said bank card information is valid according to said reference bank card The steps in the information whether the attributable bank is a cooperative lending bank include:

    Establishing a communication connection with the third-party querying institution, transmitting the user information to the third-party querying institution, and receiving the reference bank card obtained by the third-party querying institution to query the user information;

    Determining, according to the reference bank card, whether the bank card information is valid, and if the bank card information is valid, comparing the home bank in the bank card information with a preset lending bank library to determine whether the home bank exists The preset lending bank is configured to determine whether the home bank in the bank card information is a cooperative lending bank.
18. The readable storage medium according to claim 17, wherein the step of determining whether the bank card information is valid according to the reference bank card comprises:

    Determining whether an intersection between the card number in the bank card information and the reference card number of the reference bank card is a null value, and if the intersection between the card number and the reference card number is not null, determining the bank The card information is valid; otherwise, it is determined that the bank card information is invalid.
19. The readable storage medium according to claim 15, wherein the step of invoking user information according to the loan identification after determining that the bank card information is qualified comprises:

    Reading a pre-preset digit of the card number in the bank card information, comparing the pre-preset digit with a preset bank card encoding library, and determining a target bank corresponding to the preset digit;

    Determining whether the home bank and the target bank in the bank card information are consistent. If the home bank and the target bank are consistent, determining that the bank card information is qualified, and calling the user information according to the loan identifier.
20. The readable storage medium according to claim 15, wherein the step of determining whether the home bank in the bank card information is a cooperative lending bank comprises:

    If the home bank in the bank card information is not the cooperative lending bank, reading the attribution identifier of the reference bank card, and presetting the reference identifier of each bank in the bank library, and determining whether the reference identifier exists a target reference identifier consistent with the attribution identifier;

    If the target reference identifier is consistent with the home identifier, the bank information of the bank corresponding to the target reference identifier is obtained, and the bank information is used as a prompt for the bank to replace the home bank Output in the message.