Disclosure of Invention
The embodiment of the invention provides a card swallowing processing method, which is used for helping a user to efficiently and conveniently fetch a card when the user's bank card is swallowed, and comprises the following steps:
when the ATM swallows the card, reading card information of the swallowed bank card, determining and storing a card box identification of the swallowed bank card according to a preset scheduling strategy, transmitting the swallowed bank card into a card box corresponding to the identification, binding the card information and the card box identification to obtain a binding relationship, and transmitting the swallow card notification information to a bank background server; the card swallowing notification information comprises: card information and the binding relation; the ATM comprises a plurality of card boxes for storing the swallowed bank cards, wherein each card box is provided with a unique identifier;
the bank background server stores the binding relation, generates verification information for verifying the Bluetooth pairing according to card information, and adds the verification information for verifying the Bluetooth pairing into the card swallowing notification information; inquiring the mobile phone number of the card holder according to the card information; transmitting the card swallowing general information to a client of the holder according to the mobile phone number of the holder;
the client of the card holder receives the card swallowing card notification information;
when the ATM receives a card taking request of a user, acquiring verification information of verification Bluetooth pairing received by a client of a card holder, and sending the acquired verification information of the verification Bluetooth pairing to a bank background server;
the bank background server performs pairing processing on the acquired verification information of the verification Bluetooth pairing and the generated verification information of the verification Bluetooth pairing, if the pairing is successful, a card box identifier is found in a stored binding relationship according to card information in the verification information, and the card box identifier is sent to an ATM;
and outputting the bank card in the card box corresponding to the received card box identifier to the card outlet port by the ATM.
The embodiment of the invention also provides a card swallowing processing system which is used for helping a user to efficiently and conveniently fetch a card when the user's bank card is swallowed, and comprises the following components:
the ATM is used for reading card information of the swallowed bank card when the card is swallowed, determining and storing a card box identifier of the swallowed bank card according to a preset scheduling strategy, transmitting the swallowed bank card into a card box corresponding to the identifier, and binding the card information and the card box identifier to obtain a binding relationship; transmitting card swallowing general information to a bank background server, wherein the card swallowing general information comprises the following components: card information and the binding relation; the ATM comprises a plurality of card boxes for storing the swallowed bank cards, wherein each card box is provided with a unique identifier; when a card taking request of a user is received, acquiring verification information of verification Bluetooth pairing received by a client of a card holder, and sending the acquired verification information of the verification Bluetooth pairing to a bank background server; outputting the bank card in the card box corresponding to the received card box identifier to the card outlet port;
the bank background server stores the binding relation, generates verification information for verifying the Bluetooth pairing according to card information, and adds the verification information for verifying the Bluetooth pairing into the card swallowing notification information; inquiring the mobile phone number of the card holder according to the card information; transmitting the card swallowing general information to a client of the holder according to the mobile phone number of the holder; pairing the acquired verification information of the verification Bluetooth pairing with the generated verification information of the verification Bluetooth pairing, if the pairing is successful, searching a card box identifier from the stored binding relation according to card information in the verification information, and sending the card box identifier to an ATM;
and the client is used for receiving the card swallowing notification information.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the card swallowing processing method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, wherein the computer readable storage medium stores a computer program, and the computer program realizes the card swallowing processing method when being executed by a processor.
The embodiment of the invention also provides a computer program product, which comprises a computer program, and the computer program realizes the card swallowing processing method when being executed by a processor.
In the embodiment of the invention, the card swallowing processing scheme is as follows: when the ATM swallows the card, reading card information of the swallowed bank card, determining and storing a card box identification of the swallowed bank card according to a preset scheduling strategy, transmitting the swallowed bank card into a card box corresponding to the identification, binding the card information and the card box identification to obtain a binding relationship, and transmitting the swallow card notification information to a bank background server; the card swallowing notification information comprises: card information and the binding relation; the ATM comprises a plurality of card boxes for storing the swallowed bank cards, wherein each card box is provided with a unique identifier; the bank background server stores the binding relation, generates verification information for verifying the Bluetooth pairing according to card information, and adds the verification information for verifying the Bluetooth pairing into the card swallowing notification information; inquiring the mobile phone number of the card holder according to the card information; transmitting the card swallowing general information to a client of the holder according to the mobile phone number of the holder; the client of the card holder receives the card swallowing card notification information; when the ATM receives a card taking request of a user, acquiring verification information of verification Bluetooth pairing received by a client of a card holder, and sending the acquired verification information of the verification Bluetooth pairing to a bank background server; the bank background server performs pairing processing on the acquired verification information of the verification Bluetooth pairing and the generated verification information of the verification Bluetooth pairing, if the pairing is successful, a card box identifier is found in a stored binding relationship according to card information in the verification information, and the card box identifier is sent to an ATM; the ATM outputs the received bank card in the card box corresponding to the card box identification to the card outlet port, so that the user can be helped to efficiently and conveniently take the card when the user bank card is swallowed, and the user experience is improved.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention will be described in further detail with reference to the accompanying drawings. The exemplary embodiments of the present invention and their descriptions herein are for the purpose of explaining the present invention, but are not to be construed as limiting the invention.
The data acquisition, storage, use, processing and the like in the technical scheme meet the relevant regulations of national laws and regulations.
The term "and/or" is used herein to describe only one relationship, meaning that there may be three relationships, e.g., a and/or B, which may mean: a exists alone, A and B exist together, and B exists alone. In addition, the term "at least one" herein means any one of a plurality or any combination of at least two of a plurality, for example, including at least one of A, B, C, and may mean including any one or more elements selected from the group consisting of A, B and C.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are open-ended terms, meaning including, but not limited to. Reference to the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the present application. In this specification, schematic representations of the above terms do not necessarily refer to the same embodiments or examples. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is used to schematically illustrate the practice of the present application, and is not limited thereto and may be appropriately adjusted as desired.
Fig. 1 is a flow chart of a card swallowing processing method in an embodiment of the invention, as shown in fig. 1, the method includes the following steps:
step 101: when the ATM swallows the card, reading card information of the swallowed bank card, determining and storing a card box identification of the swallowed bank card according to a preset scheduling strategy, transmitting the swallowed bank card into a card box corresponding to the identification, binding the card information and the card box identification to obtain a binding relationship, and transmitting the swallow card notification information to a bank background server; the card swallowing notification information comprises: card information and the binding relation; the ATM comprises a plurality of card boxes for storing the swallowed bank cards, wherein each card box is provided with a unique identifier;
step 102: the bank background server stores the binding relation, generates verification information for verifying the Bluetooth pairing according to card information, and adds the verification information for verifying the Bluetooth pairing into the card swallowing notification information; inquiring the mobile phone number of the card holder according to the card information; transmitting the card swallowing general information to a client of the holder according to the mobile phone number of the holder;
step 103: the client of the card holder receives the card swallowing card notification information;
step 104: when the ATM receives a card taking request of a user, acquiring verification information of verification Bluetooth pairing received by a client of a card holder, and sending the acquired verification information of the verification Bluetooth pairing to a bank background server;
step 105: the bank background server performs pairing processing on the acquired verification information of the verification Bluetooth pairing and the generated verification information of the verification Bluetooth pairing, if the pairing is successful, a card box identifier is found in a stored binding relationship according to card information in the verification information, and the card box identifier is sent to an ATM;
step 106: and outputting the bank card in the card box corresponding to the received card box identifier to the card outlet port by the ATM.
The card swallowing processing method provided by the embodiment of the invention works as follows: when the ATM swallows the card, reading card information of the swallowed bank card, determining and storing a card box identification of the swallowed bank card according to a preset scheduling strategy, transmitting the swallowed bank card into a card box corresponding to the identification, binding the card information and the card box identification to obtain a binding relationship, and transmitting the swallow card notification information to a bank background server; the card swallowing notification information comprises: card information and the binding relation; the ATM comprises a plurality of card boxes for storing the swallowed bank cards, wherein each card box is provided with a unique identifier; the bank background server stores the binding relation, generates verification information for verifying the Bluetooth pairing according to card information, and adds the verification information for verifying the Bluetooth pairing into the card swallowing notification information; inquiring the mobile phone number of the card holder according to the card information; transmitting the card swallowing general information to a client of the holder according to the mobile phone number of the holder; the client of the card holder receives the card swallowing card notification information; when the ATM receives a card taking request of a user, acquiring verification information of verification Bluetooth pairing received by a client of a card holder, and sending the acquired verification information of the verification Bluetooth pairing to a bank background server; the bank background server performs pairing processing on the acquired verification information of the verification Bluetooth pairing and the generated verification information of the verification Bluetooth pairing, if the pairing is successful, a card box identifier is found in a stored binding relationship according to card information in the verification information, and the card box identifier is sent to an ATM; the ATM outputs the received bank card in the card box corresponding to the card box identification to the card outlet port, so that the user can be helped to efficiently and conveniently take the card when the user bank card is swallowed, and the user experience is improved. The method for handling the card is described in detail below.
The client mentioned in the embodiment of the invention can be a mobile phone, an ipad, a tablet personal computer and the like of the user. The method applied to the client may be a mobile banking APP installed at the client.
In the step 101, the determining the preset scheduling policy for storing the card box identifier of the swallowed bank card may be: and detecting which card box is not provided with a bank card, storing the bank card into which card box, and facilitating the card delivery to customers, or storing the bank card into the card box in the corresponding area according to the identified area to which the card belongs, thereby facilitating management, and the like.
In one embodiment, as shown in fig. 2, when the ATM receives a card-taking request from a user, the ATM acquires verification information for verifying the bluetooth pairing received by the client of the card holder, and sends the acquired verification information for verifying the bluetooth pairing to the bank background server, which may include:
step 1041: when the ATM receives a card taking request of a user, an identity verification request is initiated to a client of the user; the verification request comprises a verification code;
step 1042: the client receives a feedback verification code input by a user according to the verification request and sends the feedback verification code to the ATM;
step 1043: when the feedback verification code is consistent with the verification code in the verification request, the ATM acquires verification information of the verification Bluetooth pairing received by the client of the holder, and sends the acquired verification information of the verification Bluetooth pairing to a bank background server.
When a user takes a card, firstly, when the ATM receives a card taking request of the user, the ATM can initiate an identity verification request to a client of the user; the verification request comprises a verification code, such as 123456, when the client receives the verification code, a user can input 123456 as a feedback verification code through, for example, a mobile banking APP installed on the client, and the client sends the feedback verification code to the ATM; when the feedback verification code of the ATM is consistent with the verification code in the verification request, the ATM performs subsequent Bluetooth pairing processing after the authentication is passed, so that the safety of card taking operation is further improved.
In one embodiment, as shown in fig. 3, the card swallowing processing method may further include step 1044: and when the feedback verification code is inconsistent with the verification code in the verification request, the ATM provides a refusal card taking notification to the user.
In the specific implementation, when the feedback verification code is inconsistent with the verification code in the verification request (at the moment, the user is proved to input the verification code error or the user is not a card holder, and the like), the ATM provides a card taking refusal notification for the user, and particularly can send a card taking refusal notification to the client of the user or display the card taking refusal notification on an ATM display screen, so that the safety of card taking operation is further improved.
In one embodiment, as shown in fig. 4, the card swallowing processing method may further include:
step 201: when the acquired verification information of the verification Bluetooth pairing is unsuccessful in pairing with the generated verification information of the verification Bluetooth pairing, the bank background server sends a card refusing card access notice to the ATM;
step 202: the ATM displays a denial of access to the card notification to the user.
When the obtained verification information of the verification Bluetooth pairing is unsuccessful in the verification information pairing of the generated verification Bluetooth pairing, the bank background server proves that the user is not a cardholder or a card holder takes a wrong client side and sends a card taking refusal notice to an ATM, and the ATM displays the card taking refusal notice to the user, so that the safety of card taking operation is further improved.
The following examples are presented in detail to facilitate an understanding of how the invention may be practiced.
The invention provides a card swallowing processing method, which is a card swallowing method of a self-service cash recycling machine based on Bluetooth. According to the method, intelligent upgrading of the ATM is needed, a certain number of card boxes (for example, 10) are added to each ATM for storing the swallowed cards, when the cards are swallowed, the card box codes and the cards are bound, and the binding relation is recorded in an ATM background system.
The card is swallowed due to the reasons of excessive times of transaction or password input by a customer, for example, a self-service cash recycling machine detects that the card is not operated in the automatic cash recycling machine within a certain time A (the size of A is obtained by a bank according to statistics, and by analyzing historical data, the probability that the customer forgets to take the card after the waiting time exceeds 99%) is analyzed, at the moment, the card is triggered to be placed in a card box, and the binding relation (the binding relation between the code (mark) of the card box and card information) is recorded; meanwhile, card information is processed through an RFID read-write device of the self-service cash recycling machine, credit card or bank card information is obtained, the card information is read, filtered and integrated, the processed information is transmitted to a back-end system (a background server) of a bank, after the back-end system of the bank receives the information, the information of a card holder is inquired, and the card holder is immediately informed in a mode of pushing short messages and micro-bank messages (including verification information for verifying Bluetooth pairing).
When a customer receives a message to an ATM card swallowing and card taking module for taking a card, firstly authenticating the identity through a mobile phone bank, and if authentication fails, not allowing the customer to take the card; and if the authentication is passed, the ATM prompts the client to input verification information of Bluetooth pairing, and if the pairing is successful, the ATM background system inquires a card box code according to the pairing verification information, performs card-spitting scheduling and presents the card to the client.
The data acquisition, storage, use, processing and the like in the technical scheme meet the relevant regulations of national laws and regulations.
The embodiment of the invention also provides a card swallowing processing system, which is described in the following embodiment. Because the principle of the system for solving the problem is similar to that of the card swallowing processing method, the implementation of the system can refer to the implementation of the card swallowing processing method, and the repetition is omitted.
Fig. 5 is a schematic structural diagram of a card swallowing processing system according to an embodiment of the present invention, as shown in fig. 5, the system includes:
the ATM 01 is used for reading card information of a swallowed bank card when the card is swallowed, determining and storing a card box identifier of the swallowed bank card according to a preset scheduling strategy, transmitting the swallowed bank card into a card box corresponding to the identifier, and binding the card information and the card box identifier to obtain a binding relationship; transmitting card swallowing general information to a bank background server, wherein the card swallowing general information comprises the following components: card information and the binding relation; the ATM comprises a plurality of card boxes for storing the swallowed bank cards, wherein each card box is provided with a unique identifier; when a card taking request of a user is received, acquiring verification information of verification Bluetooth pairing received by a client of a card holder, and sending the acquired verification information of the verification Bluetooth pairing to a bank background server; outputting the bank card in the card box corresponding to the received card box identifier to the card outlet port;
the bank background server 02 is used for storing the binding relation, generating verification information for verifying the Bluetooth pairing according to card information, and adding the verification information for verifying the Bluetooth pairing into the card swallowing notification information; inquiring the mobile phone number of the card holder according to the card information; transmitting the card swallowing general information to a client of the holder according to the mobile phone number of the holder; pairing the acquired verification information of the verification Bluetooth pairing with the generated verification information of the verification Bluetooth pairing, if the pairing is successful, searching a card box identifier from the stored binding relation according to card information in the verification information, and sending the card box identifier to an ATM;
the client 03 is configured to receive the card swallowing notification information.
In one embodiment, the ATM machine is specifically configured to: when receiving a card taking request of a user, initiating an identity verification request to a client of the user; the verification request comprises a verification code; when the feedback verification code is consistent with the verification code in the verification request, verification information of the verification Bluetooth pairing received by the client of the holder is obtained, and the obtained verification information of the verification Bluetooth pairing is sent to a bank background server
The client is also used for receiving a feedback verification code input by the user according to the verification request and sending the feedback verification code to the ATM.
In one embodiment, the ATM is further configured to provide a denial of access to the card to the user when the feedback verification code does not match the verification code in the verification request.
In one embodiment, the bank background server is further configured to send a refusal card access notification to the ATM when the acquired verification information of the verification bluetooth pairing is unsuccessful with the generated verification information of the verification bluetooth pairing;
the ATM is also configured to display a denial of access to the card notification to the user.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the card swallowing processing method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, wherein the computer readable storage medium stores a computer program, and the computer program realizes the card swallowing processing method when being executed by a processor.
The embodiment of the invention also provides a computer program product, which comprises a computer program, and the computer program realizes the card swallowing processing method when being executed by a processor.
In the embodiment of the invention, the card swallowing processing scheme is as follows: when the ATM swallows the card, reading card information of the swallowed bank card, determining and storing a card box identification of the swallowed bank card according to a preset scheduling strategy, transmitting the swallowed bank card into a card box corresponding to the identification, binding the card information and the card box identification to obtain a binding relationship, and transmitting the swallow card notification information to a bank background server; the card swallowing notification information comprises: card information and the binding relation; the ATM comprises a plurality of card boxes for storing the swallowed bank cards, wherein each card box is provided with a unique identifier; the bank background server stores the binding relation, generates verification information for verifying the Bluetooth pairing according to card information, and adds the verification information for verifying the Bluetooth pairing into the card swallowing notification information; inquiring the mobile phone number of the card holder according to the card information; transmitting the card swallowing general information to a client of the holder according to the mobile phone number of the holder; the client of the card holder receives the card swallowing card notification information; when the ATM receives a card taking request of a user, acquiring verification information of verification Bluetooth pairing received by a client of a card holder, and sending the acquired verification information of the verification Bluetooth pairing to a bank background server; the bank background server performs pairing processing on the acquired verification information of the verification Bluetooth pairing and the generated verification information of the verification Bluetooth pairing, if the pairing is successful, a card box identifier is found in a stored binding relationship according to card information in the verification information, and the card box identifier is sent to an ATM; the ATM outputs the received bank card in the card box corresponding to the card box identification to the card outlet port, so that the user can be helped to efficiently and conveniently take the card when the user bank card is swallowed, and the user experience is improved.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. 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.
The foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.