WO2020258748A1 - Système, procédé et appareil de rattachement de carte bancaire, et dispositif et support de stockage - Google Patents

Système, procédé et appareil de rattachement de carte bancaire, et dispositif et support de stockage Download PDF

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Publication number
WO2020258748A1
WO2020258748A1 PCT/CN2019/124789 CN2019124789W WO2020258748A1 WO 2020258748 A1 WO2020258748 A1 WO 2020258748A1 CN 2019124789 W CN2019124789 W CN 2019124789W WO 2020258748 A1 WO2020258748 A1 WO 2020258748A1
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WIPO (PCT)
Prior art keywords
target
bank
bank card
target object
information
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PCT/CN2019/124789
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English (en)
Chinese (zh)
Inventor
冯湧
杨进京
杨勇
陆斌
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北京三快在线科技有限公司
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Publication of WO2020258748A1 publication Critical patent/WO2020258748A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/306—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using TV related infrastructures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/308—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using the Internet of Things
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

Definitions

  • the embodiments of the application relate to the field of Internet technology, and in particular to a system, method, device, device, and storage medium for bank card binding.
  • the embodiments of the present application provide a bank card binding system, method, device, device, and storage medium, which can be used to solve problems in related technologies.
  • the technical solution is as follows:
  • an embodiment of the present application provides a bank card binding system, the system includes: a target client and a server of the target bank;
  • the target client terminal is configured to obtain a bank card binding request, display a bank selection interface based on the bank card binding request, and the bank selection interface displays information of multiple banks; and receive information on the bank selection interface Operation, determine the target bank; call the first interface of the server of the target bank, and send the obtained identity information of the target object to the server of the target bank;
  • the server of the target bank is configured to obtain the identity information of the target object sent by the target client based on the first interface; and obtain the bank card information matching the identity information of the target object based on the identity information of the target object ; Sending the bank card information matching the identity information of the target object to the target client;
  • the target client is further configured to display the bank card information interface matching the target object's identity information in response to receiving the bank card information matching the target object's identity information sent by the target bank's server ; Determine the target bank card based on the operation of the bank card information interface, and bind the account of the target client to the target bank card.
  • the server of the target bank is further configured to send a first verification code to the terminal of the target object
  • the target client is further configured to display the verification code input box after receiving the bank card information that matches the identity information of the target object; and obtain the first input of the target object in the verification code input box Two verification code; calling the second interface of the server of the target bank, and sending the second verification code to the server of the target bank;
  • the server of the target bank is further configured to obtain a second verification code sent by the target client based on a second interface; in response to the first verification code being consistent with the second verification code, send to the target client Send a successful verification response;
  • the target client terminal is further configured to display the bank that matches the identity information of the target object in response to receiving the bank card information matching the identity information of the target object and receiving the response of successful verification Card information interface.
  • the target client is further configured to call a third interface of the server of the target bank, and send a contract request to the server of the target bank, the contract request including the account number of the target client and the target bank Card information;
  • the server of the target bank is further configured to obtain a contract request based on a third interface; based on the contract request, sign the account of the target client with the target bank card; and in response to a successful contract, send a contract to the target customer
  • the terminal sends a successful contract instruction
  • the target client terminal is further configured to bind the account number of the target client terminal with the target bank card in response to obtaining a successful contract instruction.
  • the target client is further configured to scramble the reference position in the bank card information that matches the identity information of the target object; display the scrambled identity information with the target object Matching bank card information interface.
  • the server of the target bank is further configured to encrypt the bank card information that matches the identity information of the target object; encrypt the bank card information that matches the identity information of the target object Sent to the target client;
  • the target client is also used to decrypt the encrypted bank card information that matches the identity information of the target object.
  • the embodiment of the present application provides a bank card binding method, which is used to perform bank card binding on a target client, and the method includes:
  • the target client obtains a bank card binding request, and displays a bank selection interface based on the bank card binding request, and the bank selection interface displays information of multiple banks;
  • the target client receives the operation on the bank selection interface, and determines the target bank
  • the target client calls the first interface of the server of the target bank, and sends the acquired identity information of the target object to the server of the target bank, and the server of the target bank is used to return the information related to the target object.
  • Bank card information with matching identity information
  • the target client In response to receiving the bank card information that matches the identity information of the target object, the target client displays a bank card information interface that matches the identity information of the target object;
  • the target client determines the target bank card based on the operation on the bank card information interface, and binds the account of the target client to the target bank card.
  • the method further includes:
  • the target client After the target client receives the bank card information that matches the identity information of the target object, it displays a verification code input box; the target client obtains the verification code input box by the target object The first verification code; the target client calls the second interface of the server of the target bank, and sends the first verification code to the server of the target bank, and the server of the target bank is used to verify the After the first verification code is consistent with the second verification code, return a successful verification response, where the second verification code is a verification code sent by the server of the target bank to the terminal of the target object;
  • the target client In response to receiving the bank card information matching the identity information of the target object, the target client displays a bank card information interface matching the identity information of the target object, including:
  • the target client In response to receiving the bank card information matching the identity information of the target object and receiving the response of successful verification, the target client displays a bank card information interface matching the identity information of the target object.
  • the binding the account of the target client to the target bank card includes:
  • the target client calls the third interface of the server of the target bank and sends a contract request to the server of the target bank, the contract request includes the account number of the target client and target bank card information; the target client In response to obtaining a successful contract instruction, bind the account number of the target client to the target bank card.
  • the displaying the bank card information interface that matches the identity information of the target object includes:
  • the bank card information that matches the identity information of the target object includes:
  • Encrypted bank card information that matches the identity information of the target object
  • the method further includes:
  • the embodiment of the present application also provides a method for bank card binding, which is used to perform bank card binding on a target client, and the method includes:
  • the server of the target bank obtains the identity information of the target object based on the first interface
  • the server of the target bank obtains bank card information matching the identity information of the target object based on the identity information of the target object;
  • the server of the target bank sends the bank card information matching the identity information of the target object to the target client, and the target client is configured to respond to receiving the identity of the target object.
  • Information matching bank card information showing the bank card information interface matching the identity information of the target object, determining the target bank card based on the operation of the bank card information interface, and comparing the account number of the target client with the target bank The card is bound.
  • the method further includes:
  • the server of the target bank sends a first verification code to the terminal of the target object
  • the server of the target bank obtains the second verification code sent by the target client based on the second interface
  • the server of the target bank sends a successful verification response to the target client, and the target client is configured to respond to receiving the and The bank card information matching the identity information of the target object and the response of the successful verification are received, and the bank card information interface matching the identity information of the target object is displayed.
  • the method further includes:
  • the server of the target bank obtains a contract request based on a third interface, and the contract request includes the account number of the target client and target bank card information;
  • the server of the target bank signs the account of the target client with the target bank card based on the contract request;
  • the server of the target bank sends an instruction of successful contract to the target client.
  • the method further includes:
  • the server of the target bank encrypts the bank card information matching the identity information of the target object
  • the server of the target bank sends the bank card information matching the identity information of the target object to the target client, including:
  • the server of the target bank sends the encrypted bank card information that matches the identity information of the target object to the target client.
  • a bank card binding device is provided.
  • the device is used to perform bank card binding on a target client.
  • the device includes:
  • the display module is configured to display a bank selection interface based on the bank card binding request, and the bank selection interface displays information of multiple banks;
  • the receiving module is used to receive operations on the bank selection interface
  • Confirmation module used to determine the target bank
  • the calling module is used to call the first interface of the server of the target bank
  • a sending module configured to send the acquired identity information of the target object to the server of the target bank, and the server of the target bank is used to return bank card information matching the identity information of the target object;
  • a display module configured to display a bank card information interface that matches the identity information of the target object in response to receiving the bank card information that matches the identity information of the target object;
  • the determining module is further configured to determine a target bank card based on the operation on the bank card information interface;
  • the binding module is used to bind the account of the target client to the target bank card.
  • the display module is further configured to display a verification code input box after receiving the bank card information that matches the identity information of the target object;
  • the obtaining module is further configured to obtain the first verification code input by the target object in the verification code input box;
  • the calling module is also used to call the second interface of the server of the target bank;
  • the sending module is further configured to send the first verification code to the server of the target bank, and the server of the target bank is used to return the verification code after verifying that the first verification code is consistent with the second verification code.
  • the second verification code is a verification code sent by the server of the target bank to the terminal of the target object;
  • the display module is configured to display the bank card information matching the identity information of the target object in response to receiving the bank card information matching the identity information of the target object and receiving the response of the verification success interface.
  • the calling module is also used to call a third interface of the server of the target bank;
  • the sending module is further configured to send a contract request to the server of the target bank, the contract request including the account number of the target client and target bank card information;
  • the binding module is configured to bind the account of the target client to the target bank card in response to obtaining a successful contract instruction.
  • the device further includes:
  • the scrambling module is used to scramble the reference location in the bank card information matching the identity information of the target object;
  • the display module is used to display the scrambled bank card information interface that matches the identity information of the target object.
  • the bank card information that matches the identity information of the target object includes:
  • Encrypted bank card information that matches the identity information of the target object
  • the device also includes:
  • the decryption module is used to decrypt the encrypted bank card information that matches the identity information of the target object.
  • the embodiment of the present application also provides a bank card binding device, the device is used to perform bank card binding on a target client, and the device includes:
  • the obtaining module is configured to obtain the identity information of the target object based on the first interface; obtain the bank card information that matches the identity information of the target object based on the identity information of the target object;
  • a sending module configured to send the bank card information that matches the identity information of the target object to the target client, and the target client is used to respond to receiving the identity information of the target object
  • the matched bank card information shows the bank card information interface that matches the identity information of the target object, determines the target bank card based on the operation of the bank card information interface, and compares the account number of the target client to the target bank card Binding.
  • the sending module is further configured to send a first verification code to the terminal of the target object
  • the obtaining module is further configured to obtain a second verification code sent by the target client based on a second interface
  • the sending module is configured to send a successful verification response to the target client in response to the first verification code being consistent with the second verification code, and the target client is configured to respond to receiving the and The bank card information matching the identity information of the target object and the response of the successful verification are received, and the bank card information interface matching the identity information of the target object is displayed.
  • the obtaining module is further configured to obtain a contract request based on a third interface, the contract request including the account number of the target client and target bank card information;
  • the device also includes:
  • the signing module is configured to sign the account of the target client and the target bank card based on the signing request;
  • the sending module is further configured to send a successful contract instruction to the target client in response to a successful contract.
  • the device further includes:
  • An encryption module used to encrypt the bank card information matching the identity information of the target object
  • the sending module is configured to send encrypted bank card information that matches the identity information of the target object to the target client.
  • a computer device in another aspect, includes a processor and a memory, and at least one instruction is stored in the memory. When the at least one instruction is executed by the processor, any one of the foregoing The method of bank card binding.
  • a computer-readable storage medium stores at least one instruction, and when executed, the at least one instruction realizes any of the above-mentioned bank card binding method.
  • the computer program product stores at least one section of computer program, and when executed, the at least one section of computer program implements any one of the above-mentioned bank card binding methods.
  • the target client calls the interface of the server of the target bank, sends the identity information of the target object to the server of the target bank, determines the target bank card based on the bank card information returned by the server of the target bank, and then compares the account number of the target client with the target bank card Bind.
  • the target client interacts with the server of the target bank by invoking the interface of the server of the target bank, so that the entire bank card binding process can be completed in the target client client, without installing other clients, bank card binding
  • the setting process is relatively simple, and the efficiency of bank card binding is higher.
  • the security of the bank card information is relatively high during the interaction between the target client and the server of the target bank.
  • FIG. 1 is a schematic diagram of an implementation environment provided by an embodiment of the present application.
  • Figure 2 is a flow chart of a method for bank card binding provided by an embodiment of the present application
  • FIG. 3 is a schematic diagram of an interface for obtaining a bank card binding request provided by an embodiment of the present application
  • FIG. 4 is a schematic diagram of a bank selection interface provided by an embodiment of the present application.
  • FIG. 5 is a schematic diagram of an interface for obtaining identity information of a target object provided by an embodiment of the present application
  • Fig. 6 is a schematic diagram of a bank card information interface provided by an embodiment of the present application.
  • FIG. 7 is a schematic diagram of a bank card binding device provided by an embodiment of the present application.
  • FIG. 8 is a schematic diagram of a bank card binding device provided by an embodiment of the present application.
  • FIG. 9 is a schematic diagram of a bank card binding device provided by an embodiment of the present application.
  • Figure 10 is a schematic diagram of a bank card binding device provided by an embodiment of the present application.
  • FIG. 11 is a schematic structural diagram of a bank card binding device provided by an embodiment of the present application.
  • Fig. 12 is a schematic structural diagram of a bank card binding device provided by an embodiment of the present application.
  • FIG. 1 shows a schematic diagram of the implementation environment of the method provided by the embodiment of the present application.
  • the implementation environment may include: a terminal 11 and a server 12.
  • the terminal 11 is installed with a client capable of online payment, and before the client performs online payment, the method provided in this embodiment of the present application can be applied to bind the account of the client with a bank card.
  • the terminal 11 may obtain the identity information of the target object and the account information of the client, and then send the identity information of the target object and the account information of the client to the server 12 for storage.
  • the server 12 may obtain the bank card information of the target object, and then send the bank card information to the terminal 11 for storage.
  • the terminal 11 may also store the target object's identity information and the client's account information
  • the server 12 may also store the target object's bank card information. Therefore, when bank card binding is required, the method provided in the embodiment of the present application can be used to realize the binding of the client's account and bank card.
  • the terminal 11 may be any electronic product that can interact with the user through one or more methods such as a keyboard, a touch panel, a touch screen, a remote control, voice interaction, or a handwriting device.
  • a keyboard a touch panel
  • a touch screen a remote control
  • voice interaction or a handwriting device.
  • personal computers mobile phones, smart phones, PDAs (Personal Digital Assistant), wearable devices, Pocket PCs (Pocket PC), tablets, smart cars, smart TVs, smart speakers, etc.
  • the server 12 may be one server, a server cluster composed of multiple servers, or a cloud computing service center. The terminal 11 and the server 12 establish a communication connection through a wired or wireless network.
  • terminal 11 and server 12 are only examples, and other existing or future terminals or servers that are applicable to this application should also be included in the scope of protection of this application.
  • the citation method is included here.
  • the embodiment of the application provides a bank card binding system, which can be used to perform bank card binding on a target client terminal, and the system includes: a target client terminal and a server of the target bank;
  • the target client is used to obtain the bank card binding request, and display the bank selection interface based on the bank card binding request, and the bank selection interface displays the information of multiple banks; receive operations on the bank selection interface to determine the target bank; Call the first interface of the server of the target bank, and send the obtained identity information of the target object to the server of the target bank;
  • the server of the target bank is used to obtain the identity information of the target object sent by the target client based on the first interface; to obtain the bank card information that matches the identity information of the target object based on the identity information of the target object; to match the identity information of the target object
  • the matching bank card information is sent to the target client;
  • the target client is also used to display the bank card information interface that matches the identity information of the target object in response to receiving the bank card information that matches the identity information of the target object sent by the server of the target bank; based on the bank card information interface The operation determines the target bank card, and binds the account of the target client to the target bank card.
  • the target client in the bank card binding system interacts with the server of the target bank by calling the interface of the server of the target bank, so that the entire bank card binding can be completed in the target client.
  • the process of bank card binding is relatively simple, and the efficiency of bank card binding is higher.
  • the security of the bank card information is relatively high during the interaction between the target client and the server of the target bank.
  • the embodiment of the present application also provides a bank card binding method, which is used to perform bank card binding on the target client. As shown in Figure 2, the method provided by the embodiment of the present application may include the following steps:
  • step 201 the target client obtains a bank card binding request, and displays a bank selection interface based on the bank card binding request, and the bank selection interface displays information of multiple banks.
  • the client to be bound with the bank card is used as the target client.
  • an entry for binding a bank card is provided.
  • the target client obtains a bank card binding request.
  • the option of "binding card immediately” is used as the entrance to bind the bank card.
  • the target client will get the bank card Card binding request.
  • the target client After the target client obtains the bank card binding request, it displays the bank selection interface based on the bank card binding request, and the bank selection interface displays the information of multiple banks.
  • the target object can select the information corresponding to the bank where the bank card is opened from the information of multiple banks.
  • Bank information refers to information that can accurately determine which bank the bank is, for example, one or more of the name of the bank, the code of the bank, and the icon of the bank.
  • bank For example, taking the bank’s information as the bank’s name as an example, as shown in Figure 4, there are eight bank names displayed on the target client’s bank selection interface for the target audience to choose from, namely, Agricultural Bank of China, Industrial and Commercial Bank of China, and China For banks, China Construction Bank, Bank of Communications, Hua Xia Bank, China Minsheng Bank, and China Merchants Bank, the target audience can choose the name of the bank that opens their bank card from the names of these eight banks.
  • step 202 the target client receives the operation on the bank selection interface and determines the target bank.
  • the target object browses the information of multiple banks displayed on the bank selection interface of the target client, he can select the information corresponding to the bank of his bank card, and use the information selected by the target object in the displayed multiple bank information as the target bank Information.
  • the target object selects the information of the target bank on the bank selection interface of the target client, the target client receives the operation on the bank selection interface.
  • operations on the bank selection interface may also be different.
  • the operation on the bank selection interface can be for the target object to perform pressure touch on the information of the target bank in the bank selection interface of the target client;
  • the operation of the bank selection interface can be the input of the target object through an external device, and the information of the target bank can be selected on the bank selection interface of the target client.
  • the target object can click on the information of the target bank with the mouse to complete the operation on the bank selection interface, or use the keyboard to select the information of the target bank by entering shortcut keys to complete the operation on the bank selection interface.
  • the target client can determine the information of the target bank based on the operation of the bank selection interface. Since the bank information can accurately determine which bank the bank is, the target client can determine the target bank corresponding to the target bank information according to the acquired target bank information. For example, as shown in Figure 4, the bank selection interface of the target client displays the names of the eight banks: Agricultural Bank of China, Industrial and Commercial Bank of China, Bank of China, China Construction Bank, Bank of Communications, Huaxia Bank, China Minsheng Bank, and China Merchants Bank . When the target object clicks "Bank of China" in the names of these eight banks and triggers the "OK" option, the target client can determine the target bank as "Bank of China".
  • step 203 the target client calls the first interface of the server of the target bank, and sends the acquired identity information of the target object to the server of the target bank.
  • Each bank has the bank’s server, and the bank’s server stores all the relevant information of the bank card issued by the bank, such as the card number of the bank card, the name of the card holder of the bank card, and the card holder of the bank card ID number, etc.
  • the server of the target bank can be determined.
  • the client can send information to the bank's server by calling the bank's server interface.
  • the target client can send the obtained target object’s identity information to the target bank’s server by calling the first interface of the target bank’s server, so that the target bank’s server can find out whether there is any identity information associated with the target bank’s server. Matching bank card information.
  • the server of the target bank has multiple interfaces, and different interfaces are used to receive different types of information.
  • the interface used to receive the identity information in the interface of the server of the target bank is used as the first of the server of the target bank.
  • One interface is used.
  • the servers of different banks may have different interfaces for receiving identity information.
  • the target client calls the first interface of the target bank’s server, it needs to be based on the type of the target bank. Determine the interface used to receive the identity information among the multiple interfaces, and use this interface as the first interface of the server of the target bank.
  • the identity information of the target object refers to information that can indicate the identity of the target object, for example, one or more of the name of the target object, the ID number of the target object, and the communication number of the target object.
  • the method for obtaining the identity information of the target object includes but is not limited to the following two:
  • Method 1 The target client directly extracts the identity information of the target object from the stored information, thereby obtaining the identity information of the target object. This method occurs when the target client's identity information has been stored in the target client. In other words, before obtaining the bank card binding request, the target client has obtained the target object's identity information and stored it.
  • the obtained identity information of the target object may be displayed for the target object to check whether the identity information is correct.
  • the identity information of the target object may be displayed before the bank selection interface is displayed, or the identity information of the target object may be displayed after the bank selection interface is displayed, which is not limited in the embodiment of the present application.
  • the target client displays the identity information of the target object in a desensitized manner, so as to improve the security of the identity information of the target object.
  • Desensitization refers to the process of deforming certain sensitive information through desensitization rules to achieve reliable protection of sensitive privacy data.
  • the desensitization rule is that when displaying the name of the target object, only the last word in the name is displayed, and other words are replaced with "*"; when displaying the ID number of the target object, only the first 3 digits of the ID number are displayed And the last 4 digits, other digits are replaced with "*"; when displaying the communication number of the target object, only the last 4 digits of the communication number are displayed, and other digits are replaced with "*".
  • the target client’s interface is desensitized to display the acquired target’s name, target’s ID number, and target’s communication number, and other identity information for the target to check .
  • the target object checks that the identity information is correct, the "OK" option in the interface can be triggered. At this time, it means that the target client's identity information obtained from the stored information is correct, and it can be executed according to the obtained identity information.
  • the target object checks the identity information incorrectly the "return” option in the interface can be triggered. At this time, it means that the target object's identity information obtained by the target client is incorrect, and the target object's identity information needs to be re-acquired to perform the follow-up step.
  • the identity information of the target object obtained according to the first method is incorrect, the identity information of the target object may be obtained again according to the second method.
  • Method 2 The target client displays the identity information input box for the target object to input identity information.
  • the target client obtains the identity information of the target object according to the identity information input by the target object. This method occurs when the identity information of the target object is not stored in the target client, or when the identity information of the target object obtained according to the first method is wrong.
  • the identity information input box may be displayed before the bank selection interface is displayed, or the identity information input box may be displayed after the bank selection interface is displayed, which is not limited in this embodiment of the application.
  • the identity information input box is displayed on the interface of the target client.
  • the target object enters the identity information such as name, ID number, and communication number in the identity information input box, the "OK" is triggered ”Option, the target client obtains the identity information of the target object.
  • method one can be used to obtain part of the stored identity information of the target object, and then method two can be used to obtain other identity information of the target object.
  • identity information required in the process of binding a bank card is the name, ID number and communication number, and only the name and ID number of the target object are stored in the target client.
  • the name of the target object can be obtained according to method 1.
  • ID number and then obtain the communication number entered by the target object according to the second method.
  • step 204 the server of the target bank obtains the identity information of the target object based on the first interface.
  • the server of the target bank has multiple interfaces, and different interfaces are used to receive different types of information.
  • the interface for receiving identity information in the interface of the server of the target bank is used as the first interface of the server of the target bank.
  • the server of the target bank obtains the identity information of the target object sent by the target client based on the first interface, for example, the name of the target object, the ID number of the target object, and the communication number of the target object.
  • the server of the target bank may search for the existence of bank card information matching the identity information according to the obtained identity information of the target object. For example, when the identity information of the target object is the ID number, the server of the target bank searches for all bank card related information stored for whether there is bank card information matching the ID number.
  • Bank card information refers to information related to each bank card itself, such as the card number of the bank card, the type of the bank card, the validity period of the bank card, the security code of the bank card, and so on.
  • the search result of searching whether there is bank card information matching the identity information of the target object includes the following two types:
  • Search result 1 There is no bank card information that matches the identity information of the target object.
  • the reason for this search result may be: the determined target bank is wrong, and/or the obtained target object’s identity information is wrong.
  • there is no bank card of the target object in the target bank and/or the identity information of the target object is entered incorrectly.
  • the target object does not have a bank card of Bank of China, but Bank of China is selected in the bank selection interface.
  • the search result is that there is no bank card information that matches the identity information of the target object; for another example, the target object The identity information of is the identity document number, but the entered identity document number is incorrect.
  • the search result is also that there is no bank card information matching the target object’s identity information.
  • the server of the target bank can send a response to the target client that the matching fails. After the target client receives the response of the matching failure, it can redisplay the bank selection interface for the target object to select the target bank again, or to obtain the identity information of the target object again.
  • Search result 2 There is bank card information that matches the identity information of the target object. Under such search results, step 205 is executed.
  • step 205 the server of the target bank obtains bank card information matching the identity information of the target object based on the identity information of the target object.
  • the server of the target bank obtains all bank card information that matches the identity information of the target object based on the identity information of the target object.
  • the target object may have one or more bank cards issued by the target bank, so all the bank card information obtained that matches the target object’s identity information may correspond to one or more bank cards Bank card information.
  • the bank card information corresponding to each bank card may include one or more types of information such as the card number of the bank card, the type of the bank card, the validity period of the bank card, and the security code of the bank card.
  • step 206 the server of the target bank sends the bank card information matching the identity information of the target object to the target client.
  • the bank card information that matches the identity information of the target object contains one or more bank card information, and each bank card information contains one or more pieces of information.
  • the information of any bank card may include information that can uniquely represent the bank card, such as the card number of the bank card, the security code of the bank card, etc., and information that cannot uniquely represent the bank card, for example, the The card type of the bank card, the validity period of the bank card, etc.
  • the server of the target bank sends the bank card information that matches the identity information of the target object to the target client, it can send all the bank card information that matches the identity information of the target object obtained to the target client. Only one type of bank card information that can uniquely represent a certain bank card among all the bank card information can be sent to the target client. For example, only the card numbers of all bank cards in all bank card information are sent to the target client, and the card number of each bank card uniquely represents a bank card.
  • the server of the target bank may encrypt the bank card information before sending the bank card information matching the identity information of the target object to the target client. Then, the encrypted bank card information that matches the identity information of the target object is sent to the target client.
  • the embodiment of the present application does not limit the encryption method, for example, symmetric encryption. This process can increase the security of the bank card information during transmission.
  • the method further includes: the server of the target bank sends the first verification code to the terminal of the target object; the target client receives After the bank card information that matches the identity information of the target object, the verification code input box is displayed; the target client obtains the second verification code entered by the target object in the verification code input box; the target client calls the second interface of the server of the target bank , Send the second verification code to the server of the target bank; the server of the target bank obtains the second verification code sent by the target client based on the second interface.
  • the terminal of the target object refers to a terminal that can verify the identity of the target object, for example, the terminal where the communication number of the target object is located.
  • the interface for receiving the verification code in the interface of the server of the target bank is used as the second interface of the server of the target bank.
  • the second interface may be the same as the first interface or different from the first interface, which is not limited in the embodiment of the present application.
  • the servers of different banks may have different interfaces for receiving verification codes.
  • the target client calls the second interface of the server of the target bank, it needs to be based on the type of the target bank. Determine the interface for receiving the verification code from the multiple interfaces of, and use this interface as the second interface of the server of the target bank.
  • the server of the target bank After obtaining the second verification code, the server of the target bank checks whether the first verification code is consistent with the second verification code. In response to the first verification code being consistent with the second verification code, the server of the target bank sends a response of successful verification to the target client. In response to the first verification code being inconsistent with the second verification code, the server of the target bank may send a response that the verification fails to the target client. Based on the response of the verification failure, the target client may display the verification code input box again, or directly return to the first interface of the target client, which is not limited in this embodiment of the application.
  • step 207 the target client, in response to receiving the bank card information matching the target object's identity information, displays a bank card information interface matching the target object's identity information.
  • the target client After receiving the bank card information matching the target object's identity information returned by the target bank's server, the target client displays the bank card information interface matching the target object's identity information.
  • the bank card information matching the identity information of the target object is displayed.
  • the server of the target bank sends all the bank card information obtained to the target client, all the bank card information is displayed on the bank card information interface; when the server of the target bank only displays all the bank card information uniquely
  • one type of bank card information of a certain bank card is sent to the target client, only that type of bank card information is displayed on the bank card information interface.
  • the bank card information belonging to the same bank card is displayed in association with each other.
  • the bank card information of the same bank card is displayed in the same row of the list.
  • the bank card information of bank card 1 is displayed on the first line of the list
  • the bank card information of bank card 2 is displayed on the second line of the list
  • the bank of bank card 3 is displayed on the third line of the list.
  • Card information, the bank card information of bank card 4 is displayed in the fourth row of the list.
  • the target client may respond to receiving bank card information matching the identity information of the target object and receiving a successful verification response, and display the same The identity information matches the bank card information interface.
  • the target client when the bank card information that matches the target object’s identity information received by the target client is encrypted bank card information, the target client first decrypts the encrypted bank card information, and then displays it with the target object The identity information matches the bank card information interface.
  • the method for the target client to display the bank card information interface matching the target object’s identity information is: the target client scrambles the reference position in the bank card information matching the target object’s identity information, and then displays the scrambled
  • the subsequent bank card information interface that matches the target object’s identity information can improve the security of the bank card information.
  • the situation of scrambling the reference location in the bank card information is also different.
  • the reference position may refer to the position corresponding to the fourth to tenth digit of the card number; for the security code of a bank card, the reference position may refer to the second digit corresponding to the security code The location and so on.
  • the embodiment of the present application does not limit the scrambling method.
  • the number of the reference position is replaced with "*".
  • the target client determines the target bank card based on the operation on the bank card information interface, and binds the account of the target client to the target bank card.
  • the operation on the bank card information interface may refer to the target object's selection operation of the target bank card information on the bank card information interface, and the target bank card can be determined based on the selection operation on the target bank card information.
  • the target object selects any bank card information in the bank card information displayed on the bank card information interface. Since the bank card information belonging to the same bank card is displayed in association with each other in the bank card information interface, it is selected according to the target object
  • the bank card information can determine the bank card to be bound corresponding to the bank card information, that is, the target bank card. For example, as shown in Figure 6, when the bank card information selected by the target object on the bank card information interface is card number 2, it can be determined that the target bank card is bank card 2.
  • the target client After determining the target bank card, the target client binds the account of the target client with the target bank card. This process does not require the target object to memorize complex information such as the card number of the target bank card, which improves the target object's bank card binding experience, and the efficiency of bank card binding is higher.
  • the target client binds the account of the target client to the target bank card, including: the target client calls the third interface of the server of the target bank, and sends a contract request to the server of the target bank.
  • the contract request includes the target client's Account number and target bank card information; the server of the target bank obtains the signing request based on the third interface, and then signs the account of the target client with the target bank card based on the signing request; in response to the successful signing, the server of the target bank sends to the target client Instruction for successful signing: In response to receiving the instruction for successful signing, the target client binds the account of the target client to the target bank card.
  • the third interface of the server of the target bank refers to an interface of the server of the target bank for receiving a contract request.
  • the third interface may be the same as the first interface and/or the second interface, or may be different from the first interface and the second interface, which is not limited in the embodiment of the present application.
  • the servers of different banks may have different interfaces for receiving contract requests.
  • the target client calls the third interface of the target bank’s server, it needs to be based on the target bank’s server type. Determine the interface used to receive the contract request among the multiple interfaces of, and use this interface as the third interface of the server of the target bank.
  • the process of binding the account of the target client to the target bank card includes two steps: signing and binding.
  • the contract is performed in the server of the target bank; the binding is performed in the target client.
  • Signing refers to the signing of a contract between the account of the target client and the target bank card.
  • the contract is used to stipulate that funds can be withdrawn from the account of the target bank card when online payments are made based on the account of the target client.
  • the instruction for successful signing sent by the server of the target bank to the target client includes the signing agreement number, and the signing agreement number is used to indicate that the signing is successful.
  • the target client binds the account of the target client with the target bank card. After the two steps of signing and binding, when online payment is based on the target client, funds can be withdrawn from the account of the target bank card bound to the account of the target client.
  • the bank card is bound The process is more complicated, and the efficiency of bank card binding is low. In addition, the security of bank card information is low during the jump process between the client and the client or the client and the webpage.
  • the interface of the target bank’s server is called, the identity information of the target object is sent to the target bank’s server, and then the target client’s interface
  • the bank card information that matches the identity information returned by the server of the target bank is displayed in, and then the target bank is determined in the bank card information, and the account number of the target client is bound to the target bank card. This process only involves the target client.
  • bank card binding is relatively simple. The binding efficiency is high.
  • security of the bank card information is high when the target client interacts with the bank's server by calling the bank's server interface.
  • the target client calls the interface of the server of the target bank, sends the identity information of the target object to the server of the target bank, determines the target bank card based on the bank card information returned by the server of the target bank, and then transfers the target customer
  • the account number of the terminal is bound to the target bank card.
  • the target client interacts with the server of the target bank by calling the interface of the server of the target bank, so that the entire bank card binding process can be completed in the target client client, without installing other clients, bank cards
  • the binding process is relatively simple, and the efficiency of bank card binding is high.
  • the security of the bank card information is relatively high during the interaction between the target client and the server of the target bank.
  • an embodiment of the present application provides a bank card binding device, which is applied to a target client, and realizes the bank card described in FIG. 2 through the following modules shown in FIG. The function performed by the target client in the bound method.
  • the device is used for bank card binding on the target client, the device includes:
  • the obtaining module 701 is used to obtain a bank card binding request
  • the display module 702 is configured to display a bank selection interface based on the bank card binding request, and the bank selection interface displays information of multiple banks;
  • the receiving module 703 is used to receive operations on the bank selection interface
  • the determination module 704 is used to determine the target bank
  • the calling module 705 is used to call the first interface of the server of the target bank
  • the sending module 706 is used to send the acquired identity information of the target object to the server of the target bank, and the server of the target bank is used to return bank card information matching the identity information of the target object;
  • the display module 707 is configured to display a bank card information interface matching the identity information of the target object in response to receiving the bank card information matching the identity information of the target object;
  • the determining module 704 is also used to determine the target bank card based on the operation on the bank card information interface;
  • the binding module 708 is used to bind the account of the target client to the target bank card.
  • the display module 707 is further configured to display the verification code input box after receiving the bank card information matching the identity information of the target object;
  • the obtaining module 701 is also used to obtain the first verification code entered by the target object in the verification code input box;
  • the calling module 705 is also used to call the second interface of the server of the target bank;
  • the sending module 706 is also used to send the first verification code to the server of the target bank.
  • the server of the target bank is used to return a successful verification response after verifying that the first verification code is consistent with the second verification code.
  • the second verification code is The verification code sent by the server of the target bank to the terminal of the target object.
  • the display module 707 is configured to display the bank card information interface matching the identity information of the target object in response to receiving the bank card information matching the identity information of the target object and receiving a response of successful verification.
  • the calling module 705 is also used to call the third interface of the server of the target bank;
  • the sending module 706 is also used to send a contract request to the server of the target bank, the contract request including the account number of the target client and target bank card information;
  • the binding module 708 is configured to bind the account of the target client to the target bank card in response to obtaining the instruction of successful signing.
  • the device further includes:
  • the scrambling module 709 is used to scramble the reference location in the bank card information matching the identity information of the target object;
  • the display module 707 is used to display the scrambled bank card information interface that matches the identity information of the target object.
  • the bank card information matching the identity information of the target object includes: encrypted bank card information matching the identity information of the target object;
  • the device also includes:
  • the decryption module 710 is configured to decrypt the encrypted bank card information that matches the identity information of the target object.
  • the target client calls the interface of the server of the target bank, sends the identity information of the target object to the server of the target bank, determines the target bank card based on the bank card information returned by the server of the target bank, and then transfers the target customer
  • the account number of the terminal is bound to the target bank card.
  • the target client interacts with the server of the target bank by invoking the interface of the server of the target bank, so that the entire bank card binding process can be completed in the target client client, without installing other clients, bank card binding
  • the setting process is relatively simple, and the efficiency of bank card binding is higher.
  • the security of the bank card information is relatively high during the interaction between the target client and the server of the target bank.
  • the embodiment of the present application also provides a bank card binding device, which is applied to the server of a target bank, and the target bank in the bank card binding method described in Figure 2 is realized through the following modules shown in Figure 9 The function performed by the server.
  • the device is used for bank card binding on the target client. See Figure 9.
  • the device includes:
  • the obtaining module 901 is configured to obtain the identity information of the target object based on the first interface; obtain the bank card information that matches the identity information of the target object based on the identity information of the target object;
  • the sending module 902 is used to send the bank card information matching the identity information of the target object to the target client, and the target client is used to display the bank card information matching the identity information of the target object in response to receiving the bank card information matching the identity information of the target object.
  • the bank card information interface that matches the identity information determines the target bank card based on the operation of the bank card information interface, and binds the account number of the target client to the target bank card.
  • the sending module 902 is further configured to send the first verification code to the terminal of the target object;
  • the obtaining module 901 is further configured to obtain the second verification code sent by the target client based on the second interface;
  • the sending module 902 is configured to send a successful verification response to the target client in response to the first verification code being consistent with the second verification code, and the target client is configured to respond to receiving bank card information matching the identity information of the target object and After receiving a successful verification response, the bank card information interface that matches the identity information of the target object is displayed.
  • the obtaining module 901 is further configured to obtain a contract request based on a third interface, the contract request including the account number of the target client and target bank card information;
  • the device further includes:
  • the signing module 903 is used to sign the account of the target client with the target bank card based on the signing request;
  • the sending module 902 is further configured to send a successful contract instruction to the target client in response to the successful contract.
  • the device further includes:
  • the encryption module 904 is used to encrypt the bank card information that matches the identity information of the target object
  • the sending module 902 is configured to send the encrypted bank card information that matches the identity information of the target object to the target client.
  • the target client calls the interface of the server of the target bank, sends the identity information of the target object to the server of the target bank, determines the target bank card based on the bank card information returned by the server of the target bank, and then transfers the target customer
  • the account number of the terminal is bound to the target bank card.
  • the target client interacts with the server of the target bank by invoking the interface of the server of the target bank, so that the entire bank card binding process can be completed in the target client client, without installing other clients, bank card binding
  • the setting process is relatively simple, and the efficiency of bank card binding is higher.
  • the security of the bank card information is relatively high during the interaction between the target client and the server of the target bank.
  • FIG. 11 is a schematic structural diagram of a bank card binding device provided by an embodiment of the present application.
  • the device may be a server, and the server may be a single server or a cluster server. Specifically:
  • the server includes a central processing unit (Central Processing Unit, CPU) 1101, a random access memory (Random Access Memory, RAM) 1102, a read only memory (Read Only Memory, ROM) 1103, and a system memory 1104 that connects the system memory 1104 and the central The system bus 1105 of the processing unit 1101.
  • the server also includes a basic input/output system (I/O system) 1106 that helps transfer information between various devices in the computer, and a mass storage device 1107 that stores the operating system 1113, application programs 1114, and other program modules 1115.
  • I/O system basic input/output system
  • the basic input/output system 1106 includes a display 1108 for displaying information and an input device 1109 such as a mouse and a keyboard for the user to input information.
  • the display 1108 and the input device 1109 are both connected to the central processing unit 1101 through the input/output controller 1110 connected to the system bus 1105.
  • the basic input/output system 1106 may also include an input/output controller 1110 for receiving and processing input from multiple other devices such as a keyboard, a mouse, or an electronic stylus.
  • the input/output controller 1110 also provides output to a display screen, a printer, or other types of output devices.
  • the mass storage device 1107 is connected to the central processing unit 1101 through a mass storage controller (not shown) connected to the system bus 1105.
  • the mass storage device 1107 and its associated computer readable medium provide non-volatile storage for the server. That is, the mass storage device 1107 may include a computer-readable medium (not shown) such as a hard disk or a CD-ROM (Compact-Disc Read Only Memory) drive.
  • Computer-readable media may include computer storage media and communication media.
  • Computer storage media includes volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storing information such as computer readable instructions, data structures, program modules or other data.
  • Computer storage media include RAM, ROM, EPROM (Erasable Programmable Read Only Memory), EEPROM (Electrically Erasable Programmable Read Only Memory, electronically erasable programmable read-only memory), flash memory or other Solid-state storage technology, CD-ROM, DVD (Digital Video Disc, Digital Universal Disc) or other optical storage, tape cartridges, magnetic tape, disk storage or other magnetic storage devices.
  • RAM random access memory
  • ROM read only Memory
  • EPROM Erasable Programmable Read Only Memory
  • EEPROM Electrical Erasable Programmable Read Only Memory
  • flash memory or other Solid-state storage technology
  • CD-ROM DVD (Digital Video Disc, Digital Universal Disc) or other optical storage, tape cartridges, magnetic tape, disk storage or other magnetic storage devices.
  • the server may also be connected to a remote computer on the network to run through a network such as the Internet. That is, the server can be connected to the network 1112 through the network interface unit 1111 connected to the system bus 1105, or in other words, the network interface unit 1111 can also be used to connect to other types of networks or remote computer systems (not shown).
  • the aforementioned memory also includes one or more programs, and one or more programs are stored in the memory and configured to be executed by the CPU.
  • the one or more programs include instructions for performing the bank card binding method provided in the embodiments of the present application.
  • Fig. 12 is a schematic structural diagram of a bank card binding device provided by an embodiment of the present application.
  • the device can be a terminal, for example: a smart phone, a tablet computer, an MP3 player (Moving Picture Experts Group Audio Layer III, dynamic image expert compression standard audio layer 3), MP4 (Moving Picture Experts Group Audio Layer IV, dynamic image Expert compression standard audio level 4) Player, laptop or desktop computer.
  • the terminal may also be called user equipment, portable terminal, laptop terminal, desktop terminal and other names.
  • the terminal includes a processor 1201 and a memory 1202.
  • the processor 1201 may include one or more processing cores, such as a 4-core processor, an 8-core processor, and so on.
  • the processor 1201 may adopt at least one hardware form among DSP (Digital Signal Processing), FPGA (Field-Programmable Gate Array), and PLA (Programmable Logic Array, Programmable Logic Array). achieve.
  • the processor 1201 may also include a main processor and a coprocessor.
  • the main processor is a processor used to process data in the awake state, also called a CPU (Central Processing Unit, central processing unit); the coprocessor is A low-power processor used to process data in the standby state.
  • the processor 1201 may be integrated with a GPU (Graphics Processing Unit, image processor), and the GPU is used for rendering and drawing content that needs to be displayed on the display screen.
  • the processor 1201 may also include an AI (Artificial Intelligence) processor, which is used to process computing operations related to machine learning.
  • AI Artificial Intelligence
  • the memory 1202 may include one or more computer-readable storage media, which may be non-transitory.
  • the memory 1202 may also include high-speed random access memory and non-volatile memory, such as one or more magnetic disk storage devices and flash memory storage devices.
  • the non-transitory computer-readable storage medium in the memory 1202 is used to store at least one instruction, and the at least one instruction is used to be executed by the processor 1201 to implement the bank card provided in the method embodiment of the present application.
  • the binding method is used to store at least one instruction, and the at least one instruction is used to be executed by the processor 1201 to implement the bank card provided in the method embodiment of the present application.
  • the terminal may optionally further include: a peripheral device interface 1203 and at least one peripheral device.
  • the processor 1201, the memory 1202, and the peripheral device interface 1203 may be connected by a bus or a signal line.
  • Each peripheral device can be connected to the peripheral device interface 1203 through a bus, a signal line or a circuit board.
  • the peripheral device includes: at least one of a radio frequency circuit 1204, a touch display screen 1205, a camera component 1206, an audio circuit 1207, a positioning component 1208, and a power supply 1209.
  • the peripheral device interface 1203 may be used to connect at least one peripheral device related to I/O (Input/Output) to the processor 1201 and the memory 1202.
  • the processor 1201, the memory 1202, and the peripheral device interface 1203 are integrated on the same chip or circuit board; in some other embodiments, any one of the processor 1201, the memory 1202, and the peripheral device interface 1203 or The two can be implemented on separate chips or circuit boards, which are not limited in this embodiment.
  • the radio frequency circuit 1204 is used for receiving and transmitting RF (Radio Frequency, radio frequency) signals, also called electromagnetic signals.
  • the radio frequency circuit 1204 communicates with a communication network and other communication devices through electromagnetic signals.
  • the radio frequency circuit 1204 converts electrical signals into electromagnetic signals for transmission, or converts received electromagnetic signals into electrical signals.
  • the radio frequency circuit 1204 includes: an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, a user identity module card, and so on.
  • the radio frequency circuit 1204 can communicate with other terminals through at least one wireless communication protocol.
  • the wireless communication protocol includes but is not limited to: metropolitan area network, various generations of mobile communication networks (2G, 3G, 4G, and 5G), wireless local area network and/or WiFi (Wireless Fidelity, wireless fidelity) network.
  • the radio frequency circuit 1204 may also include NFC (Near Field Communication) related circuits, which is not limited in this application.
  • the display screen 1205 is used to display a UI (User Interface, user interface).
  • the UI can include graphics, text, icons, videos, and any combination thereof.
  • the display screen 1205 also has the ability to collect touch signals on or above the surface of the display screen 1205.
  • the touch signal may be input to the processor 1201 as a control signal for processing.
  • the display screen 1205 may also be used to provide virtual buttons and/or virtual keyboards, also called soft buttons and/or soft keyboards.
  • the display screen 1205 may be a flexible display screen, which is arranged on a curved surface or a folding surface of the terminal. Furthermore, the display screen 1205 can also be set as a non-rectangular irregular pattern, that is, a special-shaped screen.
  • the display screen 1205 may be made of materials such as LCD (Liquid Crystal Display), OLED (Organic Light-Emitting Diode, organic light-emitting diode).
  • the camera assembly 1206 is used to capture images or videos.
  • the camera assembly 1206 includes a front camera and a rear camera.
  • the front camera is set on the front panel of the terminal, and the rear camera is set on the back of the terminal.
  • there are at least two rear cameras each of which is a main camera, a depth-of-field camera, a wide-angle camera, and a telephoto camera, to realize the fusion of the main camera and the depth-of-field camera to realize the background blur function, Integrate with the wide-angle camera to realize panoramic shooting and VR (Virtual Reality) shooting function or other fusion shooting functions.
  • the camera assembly 1206 may also include a flash.
  • the flash can be a single-color flash or a dual-color flash. Dual color temperature flash refers to a combination of warm light flash and cold light flash, which can be used for light compensation under different color temperatures.
  • the audio circuit 1207 may include a microphone and a speaker.
  • the microphone is used to collect sound waves of the user and the environment, and convert the sound waves into electrical signals and input them to the processor 1201 for processing, or input to the radio frequency circuit 1204 to implement voice communication. For the purpose of stereo collection or noise reduction, there may be multiple microphones, which are respectively set in different parts of the terminal.
  • the microphone can also be an array microphone or an omnidirectional acquisition microphone.
  • the speaker is used to convert the electrical signal from the processor 1201 or the radio frequency circuit 1204 into sound waves.
  • the speaker can be a traditional membrane speaker or a piezoelectric ceramic speaker.
  • the speaker When the speaker is a piezoelectric ceramic speaker, it can not only convert the electrical signal into human audible sound waves, but also convert the electrical signal into human inaudible sound waves for purposes such as distance measurement.
  • the audio circuit 1207 may also include a headphone jack.
  • the positioning component 1208 is used to locate the current geographic location of the terminal to implement navigation or LBS (Location Based Service, location-based service).
  • the positioning component 1208 may be a positioning component based on the GPS (Global Positioning System, Global Positioning System) of the United States, the Beidou system of China, the Granus system of Russia, or the Galileo system of the European Union.
  • GPS Global Positioning System, Global Positioning System
  • the power supply 1209 is used to supply power to various components in the terminal.
  • the power source 1209 may be alternating current, direct current, disposable batteries or rechargeable batteries.
  • the rechargeable battery may support wired charging or wireless charging.
  • the rechargeable battery can also be used to support fast charging technology.
  • the terminal further includes one or more sensors 1210.
  • the one or more sensors 1210 include, but are not limited to: an acceleration sensor 1211, a gyroscope sensor 1212, a pressure sensor 1213, a fingerprint sensor 1214, an optical sensor 1215, and a proximity sensor 1216.
  • the acceleration sensor 1211 can detect the magnitude of acceleration on the three coordinate axes of the coordinate system established by the terminal. For example, the acceleration sensor 1211 can be used to detect the components of the gravitational acceleration on three coordinate axes.
  • the processor 1201 may control the touch screen 1205 to display the user interface in a horizontal view or a vertical view according to the gravity acceleration signal collected by the acceleration sensor 1211.
  • the acceleration sensor 1211 can also be used for game or user motion data collection.
  • the gyroscope sensor 1212 can detect the body direction and rotation angle of the terminal, and the gyroscope sensor 1212 can cooperate with the acceleration sensor 1211 to collect the user's 3D actions on the terminal.
  • the processor 1201 can implement the following functions according to the data collected by the gyroscope sensor 1212: motion sensing (such as changing the UI according to the user's tilt operation), image stabilization during shooting, game control, and inertial navigation.
  • the pressure sensor 1213 may be arranged on the side frame of the terminal and/or the lower layer of the touch screen 1205.
  • the processor 1201 performs left and right hand recognition or quick operation according to the holding signal collected by the pressure sensor 1213.
  • the processor 1201 operates according to the user's pressure on the touch display screen 1205 to control the operability controls on the UI interface.
  • the operability control includes at least one of a button control, a scroll bar control, an icon control, and a menu control.
  • the fingerprint sensor 1214 is used to collect the user's fingerprint.
  • the processor 1201 identifies the user's identity according to the fingerprint collected by the fingerprint sensor 1214, or the fingerprint sensor 1214 identifies the user's identity according to the collected fingerprint. When it is recognized that the user's identity is a trusted identity, the processor 1201 authorizes the user to perform related sensitive operations, including unlocking the screen, viewing encrypted information, downloading software, paying, and changing settings.
  • the fingerprint sensor 1214 may be provided on the front, back or side of the terminal. When a physical button or manufacturer logo is provided on the terminal, the fingerprint sensor 1214 can be integrated with the physical button or manufacturer logo.
  • the optical sensor 1215 is used to collect the ambient light intensity.
  • the processor 1201 may control the display brightness of the touch screen 1205 according to the intensity of the ambient light collected by the optical sensor 1215. Specifically, when the ambient light intensity is high, the display brightness of the touch display screen 1205 is increased; when the ambient light intensity is low, the display brightness of the touch display screen 1205 is decreased.
  • the processor 1201 may also dynamically adjust the shooting parameters of the camera assembly 1206 according to the ambient light intensity collected by the optical sensor 1215.
  • the proximity sensor 1216 also called a distance sensor, is usually set on the front panel of the terminal.
  • the proximity sensor 1216 is used to collect the distance between the user and the front of the terminal.
  • the processor 1201 controls the touch screen 1205 to switch from the on-screen state to the off-screen state; when the proximity sensor 1216 detects When the distance between the user and the front of the terminal gradually increases, the processor 1201 controls the touch display screen 1205 to switch from the on-screen state to the on-screen state.
  • FIG. 12 does not constitute a limitation on the terminal, and may include more or fewer components than shown in the figure, or combine certain components, or adopt different component arrangements.
  • a computer device in an exemplary embodiment, includes a processor and a memory, and the memory stores at least one instruction, at least one program, code set, or instruction set.
  • the at least one instruction, at least one program, code set, or instruction set is configured to be executed by one or more processors, so as to implement any one of the foregoing bank card binding methods.
  • a computer-readable storage medium stores at least one instruction, at least one program, a code set, or an instruction set, the at least one instruction, the at least one program
  • the code set or the instruction set is executed by the processor of the computer device, any one of the bank card binding methods described above is implemented.
  • the aforementioned computer-readable storage medium may be ROM, random access memory (RAM), CD-ROM, magnetic tape, floppy disk, optical data storage device, etc.

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Abstract

L'invention concerne un système, un procédé et un appareil de rattachement de carte bancaire, ainsi qu'un dispositif et un support de stockage, se rapportant au domaine technique de l'Internet. Le procédé comporte les étapes consistant: pour un client cible, à obtenir une demande de rattachement de carte bancaire et à afficher une interface de sélection de banque sur la base de la demande de rattachement de carte bancaire; à recevoir une opération relative à l'interface de sélection de banque, et à déterminer une banque cible; à appeler une première interface d'un serveur de la banque cible, et à envoyer les informations d'identité obtenues d'un objet cible au serveur de la banque cible, le serveur de la banque cible étant utilisé pour renvoyer des informations de carte bancaire concordant avec les informations d'identité de l'objet cible; en réaction à la réception des informations de carte bancaire concordant avec les informations d'identité de l'objet cible, à afficher une interface des informations de carte bancaire concordant avec les informations d'identité de l'objet cible; et à déterminer une carte bancaire cible sur la base de l'opération relative à l'interface des informations de carte bancaire, et à rattacher le compte du client cible à la carte bancaire cible. L'ensemble du processus de rattachement de carte bancaire peut être accompli au niveau d'un seul client cible, et le rendement de rattachement de la carte bancaire est élevé.
PCT/CN2019/124789 2019-06-28 2019-12-12 Système, procédé et appareil de rattachement de carte bancaire, et dispositif et support de stockage WO2020258748A1 (fr)

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