Detailed Description
In order to better understand the technical solutions described above, the technical solutions of the embodiments of the present specification are described in detail below through the accompanying drawings and the specific embodiments, and it should be understood that the specific features of the embodiments of the present specification and the specific features of the embodiments of the present specification are detailed descriptions of the technical solutions of the embodiments of the present specification, and not limit the technical solutions of the present specification, and the technical features of the embodiments of the present specification may be combined without conflict.
In the process that the user signs up for the bank card by the third-party payment mechanism, the third-party payment mechanism needs to acquire the sign-up element information of the user, for example, the sign-up element information includes user identity information (user name, identity information, mobile phone number and the like) and bank card information (bank card number, validity period and the like). When a user registers, a third party payment mechanism often obtains user identity information and contact information, so how to quickly and accurately obtain bank card information is a relatively important factor affecting signing efficiency.
In the signing process, a user can input a bank card number on an operation page of a third-party payment mechanism, the interactive operation is troublesome, the user is easy to lose, or the signing efficiency is low due to the fact that the user inputs the bank card number slowly or in an incorrect manner.
In addition, the user can also operate at the bank APP end, and the bank APP sends the bank card number to the third party payment mechanism through page skip or background transmission and the like, and the third party payment mechanism reversely displays the bank card number on the subscription page, so that the operation of inputting the bank card number by the user is avoided. But this way requires the user to download and install the bank APP at the terminal and to switch and operate the APP between the bank APP and the third party payment mechanism, which is cumbersome and inefficient.
In addition, the bank can push information such as the bank card number of the user to a third-party payment mechanism in advance actively, singly or in batches for storage, and the bank card number can be directly found out when the user carries out the card binding operation. However, this method involves the problem of leakage of private information of the bank user, and has potential safety hazard and low feasibility.
Referring to fig. 1, an application scenario schematic diagram of a bank card signing method provided in an embodiment of the present disclosure is shown. In fig. 1, a user 10, a third party payment mechanism 20, an internet connection 30 and a banking system 40 are shown, wherein the internet connection 30 is an intermediate clearing mechanism between the third party payment mechanism 20 and the banking system 40, and it can be understood that the communication between the third party payment mechanism 20 and the banking system 40 needs to pass through it, so that the safety of funds and information can be ensured. For the bank card signing scheme provided in the embodiment of the present disclosure, the user 10 initiates a bank card signing application at the third party payment mechanism 20, and the link of inputting the bank card number is avoided during the application, the third party payment mechanism 20 communicates with the bank system 40 via the internet access 30, and the third party payment mechanism displays the bank skip page, so that the bank system can display the bank card information to the user, and the user only needs to confirm whether the bank card information is correct, without inputting the bank card number manually, which is convenient and efficient, and can ensure accuracy. Moreover, the user only needs to operate on the APP of the third-party payment mechanism, and the bank APP does not need to be additionally downloaded and installed to switch and operate among a plurality of APPs, so that the realization mode is simple and efficient.
In a first aspect, an embodiment of the present disclosure provides a method for signing a bank card, please refer to fig. 2, including steps S201 to S203.
S201: and the third-party payment mechanism receives a bank card signing application submitted by the user and confirms the legitimacy of the user according to the user identity information.
The third party payment mechanism is used as a platform for network payment and provides financial services such as payment, transfer and the like for users. For example, a user installs an Application (APP) of a third party payment mechanism on a terminal, and inputs information such as user identity information and contact information to complete registration, thereby establishing an account in the mechanism. After the third party payment mechanism completes registration, the user can perform an operation of signing up for the bank card (for example, the user selects an operation of binding the bank card on the APP), so as to pay or transfer using the signed bank card.
And the user initiates a bank card signing application to the third-party payment mechanism, and after the third-party payment mechanism receives the signing application, the user identity information is called, and the user legitimacy is judged according to the user identity information. User identity information generally refers to user real name information including, but not limited to, the user's name, credential type, and credential number.
There are various ways of implementing the user validity judgment according to the user identity information. For example, in an alternative manner (refer to the embodiment of fig. 3 below), the third party payment mechanism directly performs the user validity judgment inside the third party payment mechanism after receiving the user's bank card subscription request: and calling user identity information of the account corresponding to the user, and judging the legitimacy of the user by means of formats or word numbers of certificate numbers in the identity information or by means of searching a black-and-white list of the user. For another example, in another alternative (refer to the embodiment of fig. 4 below), after receiving a subscription request of a user's bank card, the third party payment mechanism invokes user identity information, sends a subscription request including the user identity information to the bank system through the internet, and the bank system performs user validity judgment and receives a judgment result returned by the bank system, where the bank system judges whether the user has a signable bank account and a communication account according to the user identity information, if so, it determines that the user is legal, otherwise, it determines that the user is illegal.
After the user legitimacy is judged, only the legal user is subjected to subsequent application processing, and the illegal user can be refused to apply for the legal user or ask the user to provide legal user identity information.
S202: after confirming that the user is legal, displaying a bank skip page in a third-party payment mechanism, and carrying out bank card signing processing by a bank system; and in the process of signing the bank card by the bank system, the bank card information is displayed to the user.
In order to accurately and efficiently acquire bank information such as a bank card number, the third party payment mechanism of the embodiment of the present disclosure adds a bank skip page, so that a user can communicate with a bank system on the bank skip page provided by the third party payment mechanism: the bank system can actively display the bank card information on the page for the user to confirm, so that the complicated operation of manually inputting the card number by the user is avoided, and the user can directly jump to the bank system on the third-party payment mechanism, so that the bank system is transparent to the user, and the user does not need to operate the bank APP and the like additionally.
The bank jump page can be understood as url (Uniform Resource Locator ) of the access banking system, and in order to facilitate the banking system to learn the user corresponding to the current subscription request, user identity information can be carried in url.
There are a number of ways in which the bank jump page may be presented at the third party payment authority. For example, in an alternative manner (refer to the embodiment of fig. 3 below), after the third party payment mechanism makes a user validity determination, the third party payment mechanism sends a subscription request carrying user identity information to the internet; the internet directly (without connecting with a banking system) returns a banking system access url carrying user identity information to a third party payment mechanism, and the third party payment mechanism displays a banking jump page to the user according to the url. In another alternative (refer to the embodiment of fig. 4), after determining that the user is legal, the banking system returns the banking system access url carrying the user identity information to the third party payment mechanism via the internet; and the third party payment mechanism displays a bank skip page to the user according to url.
The user can communicate with the bank system through the bank skip page displayed by the third-party payment mechanism, and the bank system processes the signing process, wherein in order to rapidly and accurately determine the bank card information of the user, the bank card information is displayed to the user in the process of carrying out the bank card signing process by the bank system, the user only needs to confirm whether the bank card information is correct or not, and complicated operations such as manual input or shooting uploading of the user are avoided.
The bank system processes the signing process, and mainly relates to checking the identity of a user and generating signing protocol information. For example, in one alternative (see fig. 3 below), the banking system determines from the user identity information that the user has a contractable bank account and a communication account; after the identity of the user is checked by the bank system according to the communication account, the bank card information is displayed to the user on a bank jump page; after the user confirms the bank card information, the bank system generates subscription agreement information according to the subscription factor information, and returns the subscription agreement information to the third-party payment mechanism. For another example, in another alternative (refer to the embodiment of fig. 4 below), after the identity of the user is checked by the banking system according to the communication account, the banking system displays the information of the bank card to the user on the bank subscription page; after the user confirms the bank card information, the bank system generates subscription agreement information according to the subscription factor information, and returns the subscription agreement information to the third-party payment mechanism.
S203: and jumping back to the third-party payment mechanism from the bank system to complete signing.
After receiving the subscription agreement information sent by the bank system, the third party payment mechanism knows that the bank system has completed subscription processing, and then the operation returns to the third party payment mechanism, so that the operation page of the third party payment mechanism needs to be returned from the bank skip page at this time, and prompt information such as subscription completion is displayed to the user, and subscription is completed.
Therefore, according to the bank card signing method provided by the embodiment of the specification, the bank jump page is displayed in the third-party payment mechanism, so that the bank system can display the bank card information to the user, the user only needs to confirm whether the bank card information is correct or not, the user does not need to manually input the bank card number, and the bank card signing method is convenient and efficient and can ensure accuracy. Moreover, the user only needs to operate on the APP of the third-party payment mechanism, and the bank APP does not need to be additionally downloaded and installed and the switching and the operation among a plurality of APPs are performed, so that the implementation mode is simple and efficient.
In a second aspect, an embodiment of the present disclosure provides a method for signing a bank card, please refer to fig. 3, including steps S301-S312.
S301: the user initiates a bank card signing application to a third party payment mechanism.
S302: and the third party payment mechanism invokes the user identity information and judges the validity of the user according to the user identity information. For legitimate users, the subsequent steps are performed. For an illegal user, the application is refused or the user is asked to reenter the user identification information (the operation for the illegal user is not shown in fig. 3).
S303: and the third party payment mechanism sends a bank card signing request carrying user identity information to the internet.
S304: the internet connection returns to the banking system to access url, wherein the url carries user identity information.
S305: the user communicates with the banking system by accessing the url.
S306: the bank system carries out user authentication through the user identity information carried in url: judging whether the user has a corresponding bank account and a corresponding communication account number (such as a mobile phone number or a mailbox account number for verification) in a bank system, if the user has the bank account and the communication account number, passing authentication and carrying out subsequent steps, otherwise, returning an error or failure prompt to the user (authentication failure is not shown in fig. 3).
S307: the banking system verifies the identity of the user. The user identity verification is generally performed by issuing a verification code (verification code) through a mobile phone number, for example, if it is determined that at least one mobile phone number is reserved in the authentication process in S306, the mobile phone number may be displayed directly in a page (a plurality of mobile phone numbers may be displayed and the user is requested to select one for verification), after the user confirms to perform verification, the verification code is issued to the mobile phone number, after the user inputs the verification code into a banking system, the banking system performs verification of the verification code, and if the verification is consistent, it is determined that the identity verification is passed and a subsequent step is performed, otherwise the identity verification is not passed (the identity verification is not passed, which is not shown in fig. 3).
S308: and displaying the bank card information to the user.
S309: the user confirms the bank card information.
For example, fig. 5 shows an example of a presentation of bank card information, in which the banking system is a transportation banking system (it will be understood that it is not limited to a specific bank), and the displayed bank card information includes: the VISA platinum credit card adopts the mode that the last four digits of the first four digits display the middle digit to be hidden, and after the user checks (or defaults to check) the back of the card number, the user clicks 'immediately binds', thus finishing the confirmation of the information of the bank card.
S310: the banking system generates subscription agreement information according to the subscription factor information.
S311: the bank system returns the subscription agreement information to the third party payment mechanism through internet connection.
S312: the third party payment mechanism confirms that the subscription is completed and displays a prompt such as "binding card successful" to the user.
In the embodiment shown in fig. 3, after receiving a subscription request of a user for a bank card, the third party payment mechanism directly performs validity judgment on the user, refuses the request for the illegal user or requests the user to input the user identity information again, and sends a subscription request carrying the user identity information to the internet for the legal user, and returns a banking system carrying the user identity information from the internet to access url, so that the user can communicate with the banking system by accessing the url, the banking system authenticates the user through the user identity information carried by the url in the process of operating the url, determines whether the user has a corresponding bank account and a corresponding communication account number, and if so, performs display of the bank card information after checking the user, thereby enabling the user to only perform operation of confirming the bank card information and avoiding tedious operation of inputting the bank card information by the user.
In a third aspect, an embodiment of the present disclosure provides a method for signing a bank card, please refer to fig. 4, including steps S401 to S411.
S401: the user initiates a bank card signing application to a third party payment mechanism.
S402: the third party payment mechanism invokes the user identity information and sends a signing request carrying the user identity information to the banking system through the internet.
S403: the bank system judges the legality of the user according to the identity information of the user: the banking system judges whether the user has a contractable bank account and a communication account number according to the user identity information, if so, determines that the user is legal, and performs the subsequent steps, otherwise, determines that the user is illegal, and notifies a third party payment mechanism through internet connection (operation for illegal users is not shown in fig. 4).
S404: the bank system returns a bank system access url to the third party payment mechanism through the internet, wherein the url carries user identity information.
S405: the user communicates with the banking system by accessing the url.
S406: the banking system verifies the identity of the user. The user identity verification is generally performed by means of issuing a verification code (verification code) by using a mobile phone number, for example, if it is determined that at least one mobile phone number is reserved by the user in the authentication process in S403, the mobile phone number may be displayed directly in the page (a plurality of mobile phone numbers may be displayed and the user is requested to select one for verification), after the user confirms to perform verification, the verification code is issued to the mobile phone number, after the user inputs the verification code into the bank system, the bank system performs verification of the verification code, and if the verification is consistent, it is determined that the identity verification is passed and the subsequent steps are performed, otherwise the identity verification is not passed (the identity verification is not passed, which is not shown in fig. 3).
S407: and displaying the bank card information to the user.
S408: the user confirms the bank card information.
Still referring to the example of fig. 5, in this example, the banking system is a transportation banking system (it will be appreciated that it is not limited to a particular bank), and the displayed card information includes: the VISA platinum credit card adopts the mode that the last four digits of the first four digits display the middle digit to be hidden, and after the user checks (or defaults to check) the back of the card number, the user clicks 'immediately binds', thus finishing the confirmation of the information of the bank card.
S409: the banking system generates subscription agreement information according to the subscription factor information.
S410: the bank system returns the subscription agreement information to the third party payment mechanism through internet connection.
S411: the third party payment mechanism confirms that the subscription is completed and displays a prompt such as "binding card successful" to the user.
In the embodiment shown in fig. 4, after receiving a subscription request of a user for a bank card, a third party payment mechanism invokes user identity information and sends a subscription request carrying the user identity information to a bank system through a network, the bank system judges the validity of the user, and for a legal user, the bank system returns a bank system access url carrying the user identity information to the third party payment mechanism through the network, so that the user can communicate with the bank system by accessing the url, and after the bank system checks the user, the bank card information is displayed, so that the user only needs to confirm the operation of the bank card information, and the complicated operation of inputting the bank card information by the user is avoided.
In a fourth aspect, based on the same inventive concept, embodiments of the present disclosure provide a bank card signing device, which is located in a third party payment mechanism, and may be a server or a functional module inside the server, for example. Referring to fig. 6, the apparatus includes:
a receiving unit 601, configured to receive a bank card subscription application submitted by a user;
A confirmation unit 602, configured to confirm the validity of the user according to the user identity information;
A jumping unit 603, configured to display a bank jumping page, and perform a card signing process by a banking system, where card information is displayed to a user in the card signing process;
And the rebound unit 604 is used for rebounding to the third party payment mechanism to complete subscription.
In an alternative manner, the confirmation unit 602 is specifically configured to: and acquiring user identity information, and judging the legality of the user according to certificate information in the user identity information.
In an alternative manner, the jumping unit 603 is specifically configured to: and sending a signing request carrying user identity information to a network connection, receiving a banking system access url carrying the user identity information from the network connection, and displaying a banking jump page to a user according to the url.
In one alternative, the first and second support members are,
The skip unit 603 is further configured to display bank card information to a user on the bank skip page;
The rebound unit 604 is further configured to receive subscription agreement information sent by the banking system from the network.
In an alternative manner, the confirmation unit 601 is specifically configured to: acquiring user identity information, and sending a signing request carrying the user identity information to the banking system through a network connection; and receiving a user validity judgment result returned by the bank system through the internet connection.
In an optional manner, the skip unit 603 is specifically configured to receive url accessed by a banking system carrying user identity information returned by the banking system through internet connection, and display a bank skip page to the user according to the url.
In one alternative, the first and second support members are,
The jumping unit 603 is further configured to display bank card information to a user on the bank subscription page;
The rebound unit 604 is further configured to receive subscription agreement information sent by the banking system from the network.
In a fifth aspect, embodiments of the present invention provide a bank card signing device, which is located in a banking system, for example, a server or a functional module inside the server in the banking system, based on the same inventive concept. Referring to fig. 7, the apparatus includes:
The payment mechanism skip processing unit 701 is configured to process a subscription of a bank card according to a bank skip page of a third party payment mechanism, and skip back to the third party payment mechanism after the subscription process is completed, where in the subscription process, the information of the bank card is displayed to a user.
In an alternative manner, the payment mechanism skip processing unit 701 further includes:
A user identity information obtaining subunit 7011, configured to obtain user identity information from the bank skip page;
the authentication subunit 7012 is configured to determine, according to the user identity information, that the user has a bank account and a communication account that can sign up;
A verification subunit 7013, configured to verify the identity of the user according to the communication account;
A bank card display and confirmation subunit 7014, configured to display the bank card information to the user on the bank skip page, and receive confirmation of the bank card information from the user;
The subscription agreement return subunit 7015 is configured to generate subscription agreement information according to the subscription factor information, and return the subscription agreement information to the third party payment mechanism through the internet.
In a sixth aspect, embodiments of the present invention provide a bank card signing device, which is located in a banking system, for example, a server or a functional module inside the server in the banking system, based on the same inventive concept. Referring to fig. 8, the apparatus includes:
in an alternative, referring to fig. 8, the apparatus further comprises:
The payment mechanism skip processing unit 801 is configured to process a subscription of a bank card according to a bank skip page of a third party payment mechanism, and skip back to the third party payment mechanism after the subscription process is completed, where in the subscription process, the information of the bank card is displayed to a user.
In one alternative, the apparatus further comprises:
a user identity information obtaining unit 802, configured to receive a subscription request initiated by a third party payment mechanism from a network, and obtain user identity information from the subscription request;
and the authentication unit 803 is configured to determine whether the user has a signable bank account and a communication account according to the user identity information, if so, determine that the user is legal, otherwise, determine that the user is illegal, and return the determination result to the third party payment mechanism through internet connection.
And the skip page returning unit 804 is configured to, after determining that the user is legal, return, to the third party payment mechanism through internet connection, a url accessed by a banking system carrying user identity information, so that the third party payment mechanism displays a bank skip page to the user according to the url.
In an alternative manner, the payment mechanism jump processing unit 801 further includes:
a verification subunit 8011, configured to verify the identity of the user according to the communication account;
the bank card display and confirmation subunit 8012 is configured to display the bank card information to the user on the bank skip page, and receive confirmation of the bank card information from the user;
The subscription agreement return subunit 8013 is configured to generate subscription agreement information according to the subscription factor information, and return the subscription agreement information to the third party payment mechanism through internet connection.
In a seventh aspect, based on the inventive concept of signing up with the bank card in the foregoing embodiment, the present invention further provides a server, as shown in fig. 9, including a memory 904, a processor 902, and a computer program stored on the memory 904 and executable on the processor 902, where the processor 902 implements the steps of any of the RDMA-based data transmission methods described above when the program is executed.
Where in FIG. 9 a bus architecture (represented by bus 900), bus 900 may include any number of interconnected buses and bridges, with bus 900 linking together various circuits, including one or more processors, represented by processor 902, and memory, represented by memory 904. Bus 900 may also link together various other circuits such as peripheral devices, voltage regulators, power management circuits, etc., as are well known in the art and, therefore, will not be described further herein. The bus interface 906 provides an interface between the bus 900 and the receiver 901 and the transmitter 903. The receiver 901 and the transmitter 903 may be the same element, i.e. a transceiver, providing a unit for communicating with various other apparatus over a transmission medium. The processor 902 is responsible for managing the bus 900 and general processing, while the memory 904 may be used to store data used by the processor 902 in performing operations.
In an eighth aspect, based on the inventive concept of the method for signing a contract with a bank card in the foregoing embodiment, the present invention further provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of any one of the methods for signing a contract with a bank card described above.
The present description is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the specification. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present description have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is therefore intended that the following claims be interpreted as including the preferred embodiments and all such alterations and modifications as fall within the scope of the disclosure.
It will be apparent to those skilled in the art that various modifications and variations can be made in the present specification without departing from the spirit or scope of the specification. Thus, if such modifications and variations of the present specification fall within the scope of the claims and the equivalents thereof, the present specification is also intended to include such modifications and variations.