WO2021190018A1

WO2021190018A1 - Method for assisting in verifying international bank card and device thereof

Info

Publication number: WO2021190018A1
Application number: PCT/CN2020/139752
Authority: WO
Inventors: 叶青
Original assignee: 支付宝(杭州)信息技术有限公司
Priority date: 2020-03-24
Filing date: 2020-12-26
Publication date: 2021-09-30
Also published as: CN111415243A

Abstract

A method for assisting in verifying an international bank card and a device thereof. The method for assisting in verifying an international bank card comprises: according to an image of a bank card submitted by a user, extracting card face information of the bank card and a card BIN (202); determining whether the card face information matches historical card face information corresponding to the user and recorded by a transaction platform (204); if so, querying a template library, according to the card BIN, for a bank card template corresponding to the card BIN (206); and comparing the card face feature on the image of the bank card with that of the found bank card template, so as to complete the verification of the bank card (208).

Description

Method and device for assisting international bank card verification

Technical field

This manual relates to the field of e-commerce.

Background technique

The credit card channels of general large-scale international e-commerce platforms usually involve verification of the authenticity of bank card vouchers in various countries, because there are user transactions in hundreds of countries on the platform, bank cards of thousands of issuing banks, and bank cards of the same issuing bank. There are also different styles, and it is difficult to distinguish the authenticity of the various card faces involved.

For the identification of the authenticity of bank cards, the card organization has issued a card-making specification. However, the specification is a guiding document, which only makes the most basic provisions on the style of bank cards, which is general. However, when each issuing bank actually issues the card, the details have been deleted or added to varying degrees, which is unique. Therefore, the card-making specification does not have much effect on the authenticity verification of the uniqueness of the bank card.

At the same time, due to the sensitivity of bank cards, there are less template data related to physical cards on the Internet, which makes it difficult to verify bank card vouchers.

Summary of the invention

This manual provides a method and device for assisting international bank card review, providing standards and basis for bank card review, so that bank card review can be completed quickly, accurately and effectively.

In order to solve the above technical problems, the implementation of this specification discloses a method for assisting international bank card review, including: extracting the card face information and card BIN of the bank card according to the bank card photo submitted by the user; and judging the card Whether the face information matches the historical card face information corresponding to the user recorded by the transaction platform; if so, query the bank card template corresponding to the card BIN in the template library according to the card BIN; compare the bank card photo with the found The bank card template is compared with the features of the card face, so as to complete the verification of the bank card.

The embodiment of this specification also discloses a device for assisting international bank card review, including: an extraction module for extracting the card face information and card BIN of the bank card according to the bank card photo submitted by the user; the judgment module uses To determine whether the card information extracted by the extraction module matches the historical card information recorded by the transaction platform and corresponding to the user; the query module is used to determine the correspondence between the card information and the transaction platform record in the judgment module When the historical card face information of the user matches, the bank card template corresponding to the card BIN is searched in the template library according to the card BIN extracted by the extraction module; the verification module is used to compare the bank card photo with the query module The found bank card template is compared with card features, so as to complete the bank card review.

The embodiment of this specification also discloses a device for assisting in the verification of international bank cards, including: a memory for storing computer-executable instructions; and a processor for implementing the above method when the computer-executable instructions are executed. A step of.

The embodiments of this specification also disclose a computer-readable storage medium in which computer-executable instructions are stored, and when the computer-executable instructions are executed by a processor, the steps in the above-mentioned method are realized.

In the implementation of this specification, historical data is used to establish a template library, and templates are searched in the template library through the card BIN index, which can accurately locate the card face features of various bank cards, thereby quickly, accurately and effectively completing bank card review.

A large number of technical features are recorded in this specification, which are distributed in various technical solutions. If all possible combinations of technical features (ie, technical solutions) of this application are to be listed, the specification will be too long. In order to avoid this problem, the various technical features disclosed in the above-mentioned invention content of this specification, the various technical features disclosed in the various embodiments and examples below, and the various technical features disclosed in the drawings can be freely combined with each other to form Various new technical solutions (these technical solutions should be regarded as having been recorded in this specification), unless such a combination of technical features is technically infeasible. For example, in one example, the feature A+B+C is disclosed, and in another example, the feature A+B+D+E is disclosed, and the features C and D are equivalent technical means that play the same role. Technically, just choose It can be used once and cannot be used at the same time. Feature E can be combined with feature C technically. Then, the solution of A+B+C+D should not be regarded as recorded because it is technically infeasible, and A+B+ The C+E plan should be deemed to have been documented.

Description of the drawings

Figure 1 is a system architecture diagram of the technical solution of the present application;

Fig. 2 is a schematic flowchart of a method for assisting international bank card verification according to the first embodiment of this specification;

Fig. 3 is a schematic structural diagram of a device for assisting international bank card verification according to the second embodiment of the present specification.

Detailed ways

In the following description, many technical details are proposed in order to enable readers to better understand this application. However, those of ordinary skill in the art can understand that even without these technical details and various changes and modifications based on the following embodiments, the technical solution claimed in this application can be realized.

Card BIN: BIN is the English abbreviation of Bank Identification Number (Bank Identification Number). The card BIN is generally represented by 6 digits, appears in the first 6 digits of the card number, and is allocated by the International Organization for Standardization (ISO) to all bank card organizations that are engaged in inter-bank transfer and exchange. Card BIN is uniformly coordinated and allocated by a special organization. Therefore, card BINs between bank cards are not conflicting, and a card issuer can be uniquely identified based on the card BIN.

The card number of a bank card is a number that identifies the card issuing institution and cardholder information, and consists of the following three parts: the issuing bank's identification code (card BIN), the issuing bank's custom digits, and the verification code. At present, domestic credit cards belong to different bank card organizations according to their numbers. Bank cards starting with the BIN "4" belong to the VISA card organization, and those starting with "5" belong to the MASTERCARD card organization. "9", "62" and "60" begin with China UnionPay.

Figure 1 is a system architecture diagram of the technical solution of the present application. As shown in Figure 1, it includes the following steps.

1. The user submits the bank card certificate.

2. In the process of bank card voucher review, in addition to the general review, the template library is further inquired according to the card BIN (the first six digits) to compare the unique characteristics of the card face to complete the authenticity review.

3. For bank cards that have passed the review and are not disputed, the system records the card BIN and incorporates it into the template library, so that the template library is constantly updated.

The embodiments of this specification will be described in further detail below in conjunction with the accompanying drawings.

The first embodiment of this specification relates to a method for assisting international bank card verification. The process is shown in FIG. 2. The method includes steps 202 to 208.

In step 202, the card face information and card BIN of the bank card are extracted according to the bank card photo submitted by the user.

When the user needs to provide a bank card credential appeal, he submits a bank card photo as required to cover sensitive information, and leave the first six and last four digits of the card number for review.

In this embodiment, preferably, the card surface information includes: the first six and the last four digits of the card number, the card holder, the validity period, the card issuing bank, and other information.

After that, step 204 is entered to determine whether the card information matches the historical card information recorded by the transaction platform and corresponding to the user.

If yes, go to step 206; if no, then directly end this process.

It should be noted that the historical card face information corresponding to the user recorded by the transaction platform refers to the card face information of the bank card filled in (reserved) when the user registers or trades on the transaction platform.

Step 204 is the general review in the process of verifying the bank card certificate.

Further, preferably, step 204 includes the following sub-steps: judging whether the card face information is consistent with the historical card face information recorded by the transaction platform and corresponding to the user; judging whether the bank card photo has been modified by image processing software.

If the card information newly submitted by the user is inconsistent with the historical card information recorded by the transaction platform, the process will be ended directly, and the user will be notified that the bank card information submitted is incorrect and reminded to submit the correct bank card photo.

If the card face information newly submitted by the user is consistent with the historical card face information recorded by the transaction platform corresponding to the user, it is further determined whether the bank card photo has been modified by the image processing software. If the bank card photo submitted by the user has been modified by image processing software, the process will be ended directly and the user will be notified to submit the unmodified bank card photo.

Of course, it is also possible to first determine whether the bank card photo has been modified by image processing software, and then determine whether the card face information is consistent with the historical card face information recorded by the transaction platform and corresponding to the user. There is no restriction on the sequence of these two sub-steps.

In step 206, the bank card template corresponding to the card BIN is searched in the template library according to the card BIN.

After that, step 208 is entered to compare the bank card photo with the found bank card template for card face features, so as to complete the bank card review.

In this embodiment, preferably, the card surface features include: card surface background design, card issuing bank logo, card number distribution, cardholder name and position on the card surface, and other feature information in the form of partial patterns.

Further, preferably, step 208 includes the following sub-steps: judging whether the bank card photo is consistent with the features of the bank card template found; if so, the bank card passes the review; if not, the bank The card failed the review.

This process ends thereafter.

Furthermore, preferably, before step 206, the following steps may be further included: creating a template library using the approved historical bank card photos as a bank card template, and setting a card BIN index to the template library.

In addition, after step 208, the following step may be further included: adding the new bank card photo that has passed the review as a new template into the template library. It should be noted that the new bank card photo refers to the bank card photo that has not been added to the original template library.

In the process of bank card voucher review, in addition to the general review, the template library is further searched based on the card BIN (the first six digits), and the unique characteristics of the card face are compared to complete the authenticity review. The bank card information that has passed the review and is not disputed will be recorded by the system and incorporated into the template library, so that the template library is constantly updated.

From the above description, it can be seen that the technical solution of this application mainly includes two aspects.

(1) Use historical data to build a template library. In the past, bank card audits were generally based on the card-making specifications issued by the card organization. However, the specifications are guiding documents. Each card issuing bank has cuts and additions in actual card issuance, which makes the identification of bank card cases lack. There is no standard for the uniqueness and details of the card surface. Faced with this problem, the technical solution of this application uses historical data, which contains a large number of characteristic details. Make good use of historical data, use bank card information that has been approved in the past as a template library, and quickly locate a bank card template by setting an index to provide a wealth of reference for the unique review of bank cards. In addition, the new bank card information that has passed the review can be stored in the database as a new template for subsequent updates, enabling the template database to update itself.

(2) Quick query through the card BIN index. With the template library, how to accurately locate the required template, the key is how to find the best index keywords. Faced with this problem, the technical solution of this application adopts the method of card BIN retrieval to achieve the effect of accurate search. Because the card surface of the bank card issued by the same card may be different, but the card surface of the bank card of the same card BIN is basically the same. Based on this feature, it is determined to use the card BIN to search for similar templates.

In summary, this application uses historical data to establish a template library, and queries templates in the template library through the card BIN index, which can accurately locate the card face features of various bank cards, thereby quickly, accurately and effectively completing bank card review.

The second embodiment of this specification relates to a device for assisting in international bank card verification. Its structure is shown in Figure 3. The device for assisting in international bank card verification includes: an extraction module, a judgment module, an inquiry module, and an audit module.

The extraction module is used to extract the card face information and card BIN of the bank card according to the bank card photo submitted by the user.

In this embodiment, preferably, the card surface information includes: the first six and the last four digits of the card number, the card holder, the validity period, and the card issuing bank.

The judging module is used to judge whether the card information extracted by the extraction module matches the historical card information recorded by the transaction platform and corresponding to the user.

Further, preferably, the judging module includes the following sub-modules: a first judging sub-module for judging whether the card information is consistent with the historical card information recorded by the transaction platform and corresponding to the user; a second judgment The sub-module is used to determine whether the bank card photo has been modified by image processing software.

The query module is used to query the card corresponding to the card in the template library according to the card BIN extracted by the extraction module when the judgment module determines that the card information matches the historical card information recorded by the transaction platform. BIN bank card template.

The verification module is configured to compare the bank card photo with the bank card template found by the query module for card face features, so as to complete the bank card verification.

Further, preferably, the verification module includes the following sub-modules: a third judgment sub-module is used to judge whether the bank card photo is consistent with the card face features of the bank card template found by the query module; if so, The bank card passes the review; if not, the bank card fails the review.

Further, preferably, the apparatus for assisting international bank card review further includes: a creation module for creating a template library using historical bank card photos that have passed the review as a bank card template, and setting a card BIN index to the template library.

In addition, the creation module is also used to add the new bank card photo that has been approved as a new template to the template library. It should be noted that the new bank card photo refers to the bank card photo that has not been added to the original template library.

From the above description, it can be seen that the technical solution of this application mainly includes two aspects:

(2) Quick query through the card BIN index. With the template library, how to accurately locate the required template, the key is how to find the best index keywords. Faced with this problem, the technical solution of this application adopts the method of card BIN retrieval to achieve the effect of accurate search. Because the card surface of the bank card issued by the same card issuing bank may be different, but the card BIN is basically the same. In other words, the same card BIN may correspond to multiple bank card faces.

The first embodiment is a method embodiment corresponding to this embodiment. The technical details in the first embodiment can be applied to this embodiment, and the technical details in this embodiment can also be applied to the first embodiment.

It should be noted that those skilled in the art should understand that the implementation functions of the modules shown in the implementation of the above-mentioned apparatus for assisting international bank card verification can be understood with reference to the relevant description of the aforementioned method for assisting international bank card verification. The function of each module shown in the above implementation of the apparatus for assisting international bank card verification can be realized by a program (executable instruction) running on a processor, or can be realized by a specific logic circuit. If the device for assisting international bank card verification in the embodiment of this specification is implemented in the form of a software function module and sold or used as an independent product, it can also be stored in a computer readable storage medium. Based on this understanding, the technical solutions of the embodiments of the present specification can be embodied in the form of a software product in essence or a part that contributes to the prior art. The computer software product is stored in a storage medium and includes several instructions for A computer device (which may be a personal computer, a server, or a network device, etc.) executes all or part of the methods described in the various embodiments of this specification. The aforementioned storage media include: U disk, mobile hard disk, Read Only Memory (ROM, Read Only Memory), magnetic disk or optical disk and other media that can store program codes. In this way, the embodiments of this specification are not limited to any specific combination of hardware and software.

Correspondingly, the embodiments of this specification also provide a computer-readable storage medium in which computer-executable instructions are stored, and when the computer-executable instructions are executed by a processor, each method embodiment of this specification is implemented. Computer-readable storage media include permanent and non-permanent, removable and non-removable media, and information storage can be realized by any method or technology. The information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, CD-ROM, digital versatile disc (DVD) or other optical storage, Magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable storage media does not include transitory media, such as modulated data signals and carrier waves.

In addition, the embodiments of this specification also provide a device for assisting international bank card verification, which includes a memory for storing computer-executable instructions, and a processor; the processor is used to execute the computer-executable instructions in the memory. Implement the steps in the above-mentioned method implementations. Among them, the processor can be a central processing unit (Central Processing Unit, "CPU"), other general-purpose processors, digital signal processors (Digital Signal Processor, "DSP"), and application specific integrated circuits (Application Specific Integrated Circuits). Circuit, referred to as "ASIC") and so on. The aforementioned memory may be read-only memory (“ROM” for short), random access memory (“RAM” for short), flash memory (Flash), hard disk or solid state hard disk, etc. The steps of the method disclosed in each embodiment of the present invention may be directly embodied as being executed and completed by a hardware processor, or executed and completed by a combination of hardware and software modules in the processor.

It should be noted that in the application documents of this patent, relational terms such as first and second are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply these There is any such actual relationship or sequence between entities or operations. Moreover, the terms "include", "include" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements not only includes those elements, but also includes those that are not explicitly listed Other elements of, or also include elements inherent to this process, method, article or equipment. If there are no more restrictions, the element defined by the phrase "including one" does not exclude the existence of other same elements in the process, method, article, or equipment that includes the element. In the application documents of this patent, if it is mentioned that an act is performed based on a certain element, it means that the act is performed at least based on that element, which includes two situations: performing the act only based on the element, and performing the act based on the element and Other elements perform the behavior. Multiple, multiple, multiple, etc. expressions include two, two, two, and two or more, two or more, and two or more expressions.

All documents mentioned in this specification are considered to be included in the disclosure of this specification as a whole, so that they can be used as a basis for modification when necessary. In addition, it should be understood that the above descriptions are only preferred embodiments of this specification, and are not used to limit the protection scope of this specification. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of one or more embodiments of this specification shall be included in the protection scope of one or more embodiments of this specification.

The foregoing describes specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps described in the claims can be performed in a different order than in the embodiments and still achieve desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or sequential order shown in order to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

Claims

A method to assist in the verification of international bank cards, including:

Extract the card face information and card BIN of the bank card according to the bank card photo submitted by the user;

Judging whether the card information matches the historical card information recorded by the transaction platform and corresponding to the user;

If yes, query the bank card template corresponding to the card BIN in the template library according to the card BIN;

The bank card photo is compared with the found bank card template for card face features, so as to complete the bank card review.
The method according to claim 1, wherein the card surface information includes: the first six and the last four digits of the card number, the card holder, the validity period, and the card issuing bank.
The method according to claim 1, wherein the characteristics of the card surface include: card surface background design, card issuing bank logo, card number distribution, card holder name, and position on the card surface with expiration date.
The method according to claim 1, wherein, before the step of querying the bank card template corresponding to the card BIN in the template library according to the card BIN, the method further comprises:

A template library is created by using the approved historical bank card photos as a bank card template, and a card BIN index is set for the template library.
5. The method according to claim 1, wherein after the step of comparing the bank card photo with the found bank card template, to complete the verification of the bank card, the method further comprises:

Add the approved new bank card photo as a new template to the template library.
The method according to claim 1, wherein the step of determining whether the card information matches the historical card information recorded by the transaction platform and corresponding to the user includes the following sub-steps:

Judging whether the card information is consistent with the historical card information recorded by the transaction platform corresponding to the user;

Determine whether the bank card photo has been modified by image processing software.
8. The method according to claim 1, wherein the step of comparing the bank card photo with the found bank card template to complete the verification of the bank card includes the following sub-steps:

Determine whether the bank card photo is consistent with the card face features of the found bank card template;

If yes, the bank card passes the audit; if not, the bank card fails the audit.
A device for assisting international bank card verification, including:

The extraction module is used to extract the card face information and card BIN of the bank card according to the bank card photo submitted by the user;

A judging module, configured to judge whether the card information extracted by the extraction module matches the historical card information recorded by the transaction platform and corresponding to the user;

The query module is used to query the card corresponding to the card in the template library according to the card BIN extracted by the extraction module when the judgment module determines that the card information matches the historical card information recorded by the transaction platform. BIN bank card template;

The verification module is configured to compare the bank card photo with the bank card template found by the query module for card face features, so as to complete the bank card verification.
The device according to claim 8, wherein the card surface information includes: the first six and the last four digits of the card number, the card holder, the validity period, and the card issuing bank.
8. The device according to claim 8, wherein the features of the card surface include: card surface background design, card issuing bank logo, card number distribution, card holder name and position of validity period on the card surface.
The device according to claim 8, further comprising:

The creation module is used to create a template library using the approved historical bank card photos as a bank card template, and set a card BIN index for the template library.
8. The device according to claim 8, wherein the creation module is further used to add the new bank card photo that has passed the review as a new template into the template library.
The device according to claim 8, wherein the judgment module includes the following sub-modules:

The first judging sub-module is used to judge whether the card information is consistent with the historical card information recorded by the transaction platform and corresponding to the user;

The second judgment sub-module is used to judge whether the bank card photo has been modified by image processing software.
The device of claim 8, wherein the audit module includes the following sub-modules:

The third judging sub-module is used to judge whether the bank card photo is consistent with the card face features of the bank card template found by the query module;

If yes, the bank card passes the audit; if not, the bank card fails the audit.
A device that assists in the verification of international bank cards, including:

Memory for storing computer executable instructions; and,

The processor is configured to implement the steps in the method according to any one of claims 1 to 7 when executing the computer-executable instructions.
A computer-readable storage medium in which computer-executable instructions are stored, and when the computer-executable instructions are executed by a processor, the method according to any one of claims 1 to 7 is implemented A step of.