Network payment service opening method, device, equipment, system and medium

Abstract

This application discloses a method, apparatus, device, system, and medium for activating online payment services, belonging to the field of data processing. The method includes: receiving service activation information transmitted by a card-issuing institution platform through a preset information interface. The service activation information includes user identity information and resource card service information. The service activation information is generated by the card-issuing institution platform in response to a resource card application message after activating a resource card for a user. The resource card application message includes user identity information and payment service activation authorization information. Based on the user identity information, user matching is performed in a first database, and the resource card service information is bound to a service user identifier in the first database corresponding to the user identity information, thereby activating the resource card's online payment service on the payment service platform. Embodiments of this application can improve the efficiency of activating online payment services.

Description

Technical Field

[0001] This application belongs to the field of data processing, and in particular relates to a method, apparatus, equipment, system and medium for activating online payment services. Background Technology

[0002] With the continuous development of payment technology, online payment has become one of the most important payment methods. To use online payment, users need to actively apply for a bank card from a bank or other institution and provide personal information to the payment platform to register an account. After successful account registration, the bank card must be linked to the registered account before online payments can be made. In other words, users need to manually apply for a bank card, register a payment platform account, and link their bank card to activate online payment services. The entire process is relatively cumbersome, resulting in low efficiency in activating online payment services. Summary of the Invention

[0003] This application provides a method, apparatus, device, system, and medium for activating online payment services, which can improve the efficiency of activating online payment services.

[0004] In a first aspect, embodiments of this application provide a method for activating online payment services, applied to a payment service platform. The payment service platform has a first database. The method includes: receiving service activation information transmitted by a card-issuing institution platform through a preset information interface. The service activation information includes user identity information and resource card service information. The service activation information is generated by the card-issuing institution platform in response to a resource card application message after activating a resource card for a user. The resource card application message includes user identity information and payment service activation authorization information. Based on the user identity information, user matching is performed in the first database, and the resource card service information is bound to the service user identifier corresponding to the user identity information in the first database to activate the online payment service of the resource card on the payment service platform.

[0005] Secondly, this application provides a method for activating online payment services, applied to a card issuing institution platform. The method includes: activating a resource card for a user in response to a resource card application message, the resource card application message including user identity information and payment service activation authorization information; and transmitting service activation information to a payment service platform through a preset information interface in response to the payment service activation authorization information, the service activation information including user identity information and resource card service information, so that the payment service platform performs user matching based on the user identity information in a first database, and binds the resource card service information with the service user identifier corresponding to the user identity information in the first database, thereby activating the online payment service of the resource card on the payment service platform, where the payment service platform has the first database.

[0006] Thirdly, this application provides a network payment service activation device applied to a payment service platform. The payment service platform has a first database. The device includes: a receiving module, used to receive service activation information transmitted by a card issuing institution platform through a preset information interface. The service activation information includes user identity information and resource card service information. The service activation information is generated by the card issuing institution platform in response to a resource card application message after activating a resource card for a user. The resource card application message includes user identity information and payment service activation authorization information. The service activation module is used to perform user matching based on the user identity information in the first database and bind the resource card service information and the service user identifier corresponding to the user identity information in the first database to activate the network payment service of the resource card on the payment service platform.

[0007] Fourthly, this application provides a network payment service activation device applied to a card issuing institution platform. The device includes: a card activation module, used to activate a resource card for a user in response to a resource card application message, the resource card application message including user identity information and payment service activation authorization information; and a sending module, used to transmit service activation information to the payment service platform through a preset information interface in response to the payment service activation authorization information, the service activation information including user identity information and resource card service information, so that the payment service platform performs user matching based on the user identity information in a first database, and binds the resource card service information with the service user identifier corresponding to the user identity information in the first database, thereby activating the network payment service of the resource card on the payment service platform. The payment service platform has a first database.

[0008] Fifthly, embodiments of this application provide an electronic device applied to a payment service platform. The electronic device includes a processor and a memory storing computer program instructions. When the processor executes the computer program instructions, it implements the network payment service activation method of the first aspect.

[0009] In a sixth aspect, embodiments of this application provide an electronic device applied to a card issuing institution platform. The electronic device includes a processor and a memory storing computer program instructions. When the processor executes the computer program instructions, it implements the network payment service activation method of the second aspect.

[0010] In a seventh aspect, embodiments of this application provide a network payment service activation system, comprising: a payment service platform for executing the network payment service activation method of the first aspect; and a card issuing institution platform for executing the network payment service activation method of the second aspect.

[0011] Eighthly, embodiments of this application provide a computer-readable storage medium storing computer program instructions, which, when executed by a processor, implement the network payment service activation method of the first aspect or the network payment service activation method of the second aspect.

[0012] This application provides a method, apparatus, device, system, and medium for activating online payment services. In response to a user's resource card application message, the issuing institution platform activates the resource card for the user. After activation, resource card service information is obtained. The payment service platform receives service activation information transmitted by the issuing institution platform through a preset information interface. This service activation information includes user identity information and resource card service information. Based on the user identity information in the service activation information, the payment service platform performs user matching in a first database, binding the resource card service information in the service activation information with the service user identifier corresponding to the user identity information in the first database, thereby activating the resource card's online payment service on the payment service platform. This process eliminates the need for users to manually register a payment platform account and bind a bank card, simplifying the resource card activation process and improving the efficiency of online payment service activation. Attached Figure Description

[0013] To more clearly illustrate the technical solutions of the embodiments of this application, the accompanying drawings used in the embodiments of this application will be briefly introduced below. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0014] Figure 1 A schematic diagram illustrating an application scenario of the online payment service activation method provided in this application embodiment;

[0015] Figure 2 A flowchart illustrating a method for activating online payment services according to an embodiment of the first aspect of this application;

[0016] Figure 3 A schematic diagram illustrating an example of how service activation information provided in this application is transmitted via an information interface;

[0017] Figure 4 A flowchart illustrating a method for activating online payment services provided in another embodiment of the first aspect of this application;

[0018] Figure 5 A flowchart of a method for activating online payment services provided in yet another embodiment of the first aspect of this application;

[0019] Figure 6 A flowchart illustrating a method for activating online payment services provided in an embodiment of the second aspect of this application;

[0020] Figure 7 A flowchart illustrating an example of the online payment service activation process provided in this application embodiment;

[0021] Figure 8 A schematic diagram of the structure of a network payment service activation device provided in an embodiment of the third aspect of this application;

[0022] Figure 9 A schematic diagram of the structure of a network payment service activation device provided in an embodiment of the fourth aspect of this application;

[0023] Figure 10 This is a schematic diagram of the structure of an electronic device provided according to an embodiment of the fifth aspect of this application. Detailed Implementation

[0024] The features and exemplary embodiments of various aspects of this application will be described in detail below. To make the objectives, technical solutions, and advantages of this application clearer, the application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain this application and not to limit it. For those skilled in the art, this application can be implemented without some of these specific details. The following description of the embodiments is merely to provide a better understanding of this application by illustrating examples.

[0025] With the continuous development of payment technology, online payment has become one of the most important payment methods. To use online payment, users need to actively apply for a bank card from a bank or other institution and provide personal information to the payment platform to register an account. After successful account registration, the bank card must be linked to the registered account before online payments can be made. In other words, users need to manually apply for a bank card, register a payment platform account, and link their bank card to activate online payment services. The entire process is relatively cumbersome, resulting in low efficiency in activating online payment services.

[0026] This application provides a method, apparatus, device, system, and medium for activating online payment services. When a user applies for a resource card, online payment services can be authorized for activation. Through the exchange of user identity information, the issuing institution platform and the payment service platform can match users in the payment service platform's database. The information required for activating online payment services is bound to the user's unique identifier in the payment service platform's database, thus activating online payment services for the user's applied resource card. This process eliminates the need for users to manually register a payment platform account and bind a bank card, simplifying the resource card activation process and improving the efficiency of online payment service activation.

[0027] Figure 1This is a schematic diagram illustrating an example application scenario of the online payment service activation method provided in this application embodiment. For example... Figure 1 As shown, the online payment service activation system using the online payment service activation method may include an issuing institution platform 11 and a payment service platform 12, which can communicate and interact. In some cases, the issuing institution platform 11 and the payment service platform 12 can transmit information through an information interface 13. In some embodiments, the payment service platform 12 can also communicate and interact with the backend system 14 of the payment application in the user terminal to keep at least some information in the backend system 14 of the payment application synchronized with the information in the payment service platform 12.

[0028] The issuing institution platform 11 serves as the resource card management system for the issuing institution, enabling functions such as activating resource cards for users, managing resource cards, and managing the resources within those cards. Each issuing institution has its own issuing institution platform 11; that is, different issuing institutions have different issuing institution platforms 11. The issuing institution platform 11 may include multiple electronic devices such as servers, but the type and number of electronic devices in the issuing institution platform 11 are not limited here.

[0029] The payment service platform 12 can be a payment service management system for card organizations, capable of providing online payment services and processing online and offline payment requests. In this embodiment, the payment service platform 12 can realize network-wide payment services. Multiple card issuer platforms 11 can be connected to the payment service platform 12, enabling online payments for resource cards from each connected card issuer. A user has a unique identifier in the payment service platform, and information about different resource cards opened by the user at multiple card issuers can be bound to this unique identifier. After a user opens a resource card, they also need to activate the online payment service for the resource card before it can be used for online payments. The payment service platform 12 may include multiple electronic devices such as servers; the type and number of electronic devices in the payment service platform 12 are not limited herein.

[0030] Card issuers, card organizations, or other authorized entities may develop and provide payment applications to users. These payment applications can be installed on users' terminals. In this embodiment, card organizations may develop a Software Development Kit (SDK) and, with authorization from users and the payment application software, integrate the SDK into the payment application. The SDK integrated into the payment application may also provide services such as applying for resource cards and online payments, and is not limited thereto.

[0031] The following describes the methods, devices, equipment, systems, and media for activating online payment services provided in this application.

[0032] The first aspect of this application provides a method for activating online payment services, which can be applied to a payment service platform, i.e., the method for activating online payment services can be executed by the payment service platform. Figure 2 A flowchart illustrating a method for activating online payment services according to an embodiment of the first aspect of this application. Figure 2 As shown, the method for activating online payment services may include steps S201 and S202.

[0033] In step S201, the service activation information transmitted by the card issuing institution platform through a preset information interface is received.

[0034] The information interface can be pre-configured. In some examples, the information interface can reuse the original interface used by the card issuer platform and card organization for ordinary payments. The format of the service activation information can be adapted to the original interface, or the original interface can be adjusted to adapt to the service activation information. The number of information interfaces is not limited here; one information interface or two or more information interfaces can be used to transmit service activation information.

[0035] The service activation information includes user identity information and resource card service information. This information is generated by the issuing institution's platform in response to the resource card application message after activating the resource card for the user. The resource card application message includes user identity information and payment service activation authorization information.

[0036] Users can send resource card application messages to the issuing institution's platform through the payment application on their user terminal; alternatively, users can go to the issuing institution's facilities, such as bank counters, to provide their identity information and payment service activation authorization information, and the issuing institution's facilities can send resource card application messages to the issuing institution's platform through installed electronic devices; or, users can send resource card application messages to the issuing institution's platform through the software development kit integrated into the payment application on their user terminal.

[0037] The issuing institution platform responds to the resource card application message and activates the resource card for the user. The resource card has payment functionality, allowing users to make payments using its resources; for example, the resource card may be a bank card. User identity information includes information that identifies the user, such as the user's name, mobile phone number, and ID number, etc., which are not limited here. The user identity information in the service activation information is the same as the user identity information in the resource card application message. Payment service activation authorization information is the authorization information for the user to activate online payment services simultaneously with the activation of the resource card. The issuing institution platform will only transmit service activation information to the payment service platform if the resource card application message includes payment service activation authorization information. Along with the activation of the resource card, resource card service information can be generated. Resource card service information includes service information related to the resource card, such as one or more of the following: resource card number, issuing institution identifier, payment application identifier, resource card type, issuing institution user identifier, and service activation authorization identifier, etc., which are not limited here. The issuing institution identifier is used to identify the issuing institution of the resource card. The issuing institution user identifier is the user identifier on the issuing institution's platform, used to identify the user within the issuing institution's platform. The same user will have a different issuing institution user identifier on different issuing institution platforms. The service activation authorization identifier identifies the authorization to activate, deactivate, or reactivate online payment services. When multiple online payment services are activated on the same resource card, each activation's authorization identifier is unique, and different identifiers are used for different activations. Similarly, the authorization identifier for deactivating online payment services is different from the authorization for activating them. Again, when multiple online payment services are deactivated on the same resource card, each deactivation's authorization identifier is unique, and different identifiers are used for different deactivations.

[0038] In some embodiments, service activation information, including user identity information from different sources, can be transmitted through different information interfaces.

[0039] In some examples, user identity information includes first user identity information, which is obtained from the user by the card issuer platform. That is, the first user identity information is the user identity information obtained by the card issuer platform from the user. This user identity information obtained by the card issuer platform from the user includes user identity information obtained from the user by software programs or hardware devices related to the card issuer. For example, user identity information obtained by the card issuer platform from the payment application of the card issuer platform in the user's terminal can be considered as the first user identity information, as can user identity information obtained by the card issuer platform from electronic devices in the card issuer's related facilities. The information interface may include a first interface, which is used to transmit service activation information including the first user identity information.

[0040] In some examples, user identity information includes second user identity information, which is obtained from the user by a software development kit (SDK) integrated into the payment application on the user's terminal. This SSD and the payment service platform belong to the same entity, both being card organizations. In other words, the second user identity information is the user identity information obtained by the issuing institution's platform from the SSD integrated into the payment application. The information interface may include a second interface for transmitting service activation information including the second user identity information.

[0041] The information interface may include a first interface and a second interface to match service activation information that includes user identity information from different sources. For example, Figure 3 A schematic diagram illustrating an example of how service activation information provided in this application is transmitted via an information interface, as shown in the example. Figure 3 As shown, the card issuing institution platform A and the payment business platform B have a first interface quickBindCard and a second interface binduser. The business activation information C1, which includes the first identity information, is transmitted from the card issuing institution platform A to the payment business platform B through the first interface quickBindCard, and the business activation information C2, which includes the second identity information, is transmitted from the card issuing institution A to the payment business platform B through the second interface binduser.

[0042] In step S202, user matching is performed in the first database based on user identity information, and the resource card business information is bound to the business user identifier corresponding to the user identity information in the first database to enable the resource card to perform online payment business on the payment business platform.

[0043] The payment service platform has a primary database, which is maintained by the platform. The data storage method in the primary database is not limited; for example, data can be stored in tables. The primary database stores user-related information and business user identifiers, with a corresponding relationship between the same user's information and business user identifier. The business user identifier is the user's unique identifier on the payment service platform; it can be used to uniquely identify a user. The business user identifier can be a user number, but this is not limited. User matching is achieved by matching the user's information in the primary database with the user's identity information. If the user's information in the primary database matches the user's identity information, the user is successfully matched, meaning the user applying for the resource card exists in the primary database. If the user's information in the primary database does not match the user's identity information, the user is not matched, meaning the user applying for the resource card does not exist in the primary database.

[0044] If a user is successfully matched, the resource card service information in the service activation information is bound to the service user identifier corresponding to the successfully matched information. This service user identifier is the same as the service user identifier corresponding to the user's identity information in the first database. If a user is not successfully matched, the payment platform can generate a new service user identifier and bind the resource card service information in the service activation information to the new service user identifier. This new service identifier is the same as the service user identifier corresponding to the user's identity information in the first database.

[0045] By binding the resource card business information with the business user identifier corresponding to the user identity information in the first database, the resource card can be enabled to make online payments on the payment business platform, meaning that the resource card has the authority to make online payments through the payment business platform.

[0046] In some examples, the payment platform may receive an authorization retrospective request. In response to this request, the payment platform may provide the bound resource card service information and the service user identifier. The specific content of the resource card service information can be found in the relevant descriptions in the above embodiments, and will not be repeated here.

[0047] In this embodiment, the issuing institution platform responds to the user's resource card application message and activates the resource card for the user. After activation, resource card service information is available. The payment service platform receives service activation information transmitted by the issuing institution platform through a preset information interface. This service activation information includes user identity information and resource card service information. Based on the user identity information in the service activation information, the payment service platform performs user matching in its first database, binding the resource card service information in the service activation information with the service user identifier corresponding to the user identity information in the first database, thereby activating the resource card's online payment service on the payment service platform. This process eliminates the need for users to manually register a payment platform account and bind a bank card, simplifying the resource card activation process and improving the efficiency of online payment service activation.

[0048] In some embodiments, the payment service platform may use different information processing modes to process the service activation information. For example, the information processing mode may include a first mode and / or a second mode. Figure 4 A flowchart of a method for activating online payment services provided in another embodiment of the first aspect of this application. Figure 4 and Figure 2 The difference is that, Figure 4 The online payment service activation method shown may also include steps S203 and S204.

[0049] In step S203, the information processing mode corresponding to the information interface is determined according to the information interface.

[0050] In step S204, business activation information is sent to the back-end system of the payment application on the card issuing institution platform, so that the back-end system of the payment application can perform user matching in the second database based on the user identity information and bind the resource card business information with the corresponding payment application user identifier in the second database.

[0051] Information interfaces and information processing modes have a corresponding relationship. An information interface may include a first interface and / or a second interface, and an information processing mode may include a first mode and / or a second mode. An information interface can be configured with one or two information processing modes, and different information interfaces can be configured with the same or different information processing modes. The correspondence between information interfaces and information processing modes can be determined according to scenarios, requirements, etc., and is not limited here. For example, if the first interface is configured with the first mode and the second interface is configured with the second mode, correspondingly, the service activation information transmitted through the first interface is processed using the first mode, and the service activation information transmitted through the second interface is processed using the second mode. Another example is that if both the first and second interfaces are configured with the first mode, correspondingly, the service activation information transmitted through the first interface and the service activation information transmitted through the second interface are both processed using the first mode. Yet another example is that if the first interface is configured with the first mode and the second interface is configured with both the first and second modes, correspondingly, the service activation information transmitted through the first interface is processed using the first mode, and the service activation information transmitted through the first interface is processed using both the first and second modes.

[0052] The first mode described above involves executing step S202. The second mode described above involves executing steps S202 and S204. The first mode does not execute step S204.

[0053] In step S204, the service activation information is transmitted to the backend system of the payment application. The backend system can perform user matching in the second database based on user identity information, binding the resource card service information with the corresponding payment application user identifier in the second database. The backend system of the payment application has a second database, meaning it is maintained by the backend system. The second database is independent of the first database. The data storage method in the second database is not limited here; for example, data in the second database can be stored in the form of tables. The second database stores relevant information of users registered in the payment application and card issuer user identifiers. If the payment application belongs to a card issuer, the card issuer user identifiers in the second database include the card issuer user identifiers of the card issuer to which the payment application belongs. If the payment application belongs to a card organization, the card issuer user identifiers in the second database may include the card issuer user identifiers of multiple card issuers. The card issuer user identifier in the second database can be bound to resource card business information. The resource card business information can indicate the resource card. The card issuer user identifier in the second database can be bound to the resource card business information of multiple resource cards. Multiple resource cards may include existing resource cards and / or resource cards that have opened the network payment business of the payment business platform in this embodiment of the application.

[0054] The second database stores user-related information and payment application user identifiers, with a corresponding relationship between the same user's information and payment application user identifier. The payment application user identifier is the user's identifier within the payment application. In some examples, the payment application user identifier and the card issuer's user identifier may be the same, but this is not a limitation here. User matching can be achieved by matching the user's information in the second database with the user's identity information. If the user's information in the second database matches the user's identity information, the user matching is successful, meaning the user applying for the resource card exists in the second database; if the user's information in the second database does not match the user's identity information, the user matching fails, meaning the user applying for the resource card does not exist in the second database.

[0055] If a user is successfully matched, the resource card service information in the service activation information is bound to the payment application user identifier corresponding to the successfully matched information. This payment application user identifier is the same as the payment application user identifier corresponding to the user's identity information in the second database. If a user is not successfully matched, the payment service platform can generate a new payment application user identifier and bind the resource card service information in the service activation information to the new payment application user identifier. This new payment application user identifier is the same as the payment application user identifier corresponding to the user's identity information in the second database.

[0056] The first mode is used to process service activation information. The user's information and resource card information corresponding to the service activation information are bound, stored, and managed in the first database of the service payment platform. The first mode is independent of the payment application's backend system and the second database.

[0057] The second mode is used to process business activation information. The relevant information of the user and the relevant information of the resource card corresponding to the business activation information are not only bound, stored and managed in the first database of the business payment platform, but also bound, stored and managed in the second database of the back-end system of the payment application.

[0058] When using the second mode to process service activation information, it is equivalent to mapping the binding relationships of some information in the first database to the second database, ensuring that the service activation information processed in the second mode remains synchronized between the first and second databases.

[0059] In some embodiments, the payment service platform may also set the correspondence between information interfaces and information processing modes in response to interface mode configuration information obtained from the card issuer platform.

[0060] Interface mode configuration information can be used to configure the information processing method for an information interface, that is, to configure the correspondence between the information interface and the information processing method. After configuring the information processing mode for an information interface, the service activation information transmitted through that information interface will be processed according to the corresponding information processing mode.

[0061] In some embodiments, user information in the first database can be stored as user information items. One user information item corresponds to one user; that is, one user information item may include various types of information about that user. For example, a user information item may include a business user identifier and user information. The business user identifier is used to uniquely identify the user. The same user applying for different resource cards from different card issuers will have the same business user identifier on the payment voucher. User information is used to characterize the user and may include the user's name, mobile phone number, ID number, etc., but is not limited thereto. The user information items can be matched with the identity information in the business activation information to bind the information and enable the activation of online payment services for the resource card. Figure 5 A flowchart of a method for activating online payment services provided in another embodiment of the first aspect of this application. Figure 5 and Figure 2 The difference is that, Figure 2 Step S202 can be further refined as follows: Figure 5 Steps S2021 to S2023 in the process.

[0062] In step S2021, a user information item matching the user identity information is searched in the first database.

[0063] The system can search the first database for user information entries that match the user's identity information. If a matching user information entry exists in the first database, it means that a matching user information entry exists in the first database. If no matching user information entry exists in the first database, it means that no matching user information entry exists in the first database.

[0064] In step S2022, if a user information item matching the user identity information exists in the first database, the resource card service information is bound to the service user identifier in the user information item, and the user information item is updated.

[0065] If a user information item matching the user's identity information exists in the first database, it means that the user applying for the resource card already exists in the first database. The resource card service information can be bound to the service user identifier, and the resource card service information can be added to this user information item. The updated user information item includes the resource card service information from the service activation information.

[0066] In step S2023, if there is no user information item matching the user identity information in the first database, a new business user identifier is generated, and the resource card business information is bound to the new business user identifier to form a new user information item.

[0067] If no matching user information item exists in the first database, it means the user applying for the resource card does not exist in the first database and a new user needs to be created. This can be achieved by generating a new business user identifier. The bound resource card business information and the new business user identifier will form a new user information item. In other words, the new user information item includes the bound resource card business information and the new business user identifier.

[0068] In some embodiments, after binding the resource card business information with the business user identifier corresponding to the user identity information in the first database, a payment password for the online payment service can also be set so that the user can use the activated online payment service through the payment password. The payment service platform can interact with the card issuing institution platform to determine the authenticator of the target payment password for the resource card. The target payment password is the payment password used by the applied resource card to make payments using the activated online payment service. The authenticator is the party that authenticates the target payment password during the process of making payments using the applied resource card through the activated online payment service. The authenticator may include the card issuing institution platform or the payment service platform, that is, the authentication of the target payment password can be performed by the card issuing institution platform or by the payment service platform. The target payment password can reuse the payment password in the payment application of the card issuing institution platform, that is, the target payment password can directly adopt the payment password set by the user in the payment application of the card issuing institution platform, without requiring the user to reset the target payment password. Alternatively, the target payment password can be a newly created payment password, requiring the user to set a new payment password as the target payment password.

[0069] For example, if the authenticator is the card issuer platform, after the payment service platform activates online payment services for the resource card, the payment service platform can, with user authorization, obtain the user's payment password in the payment application of the card issuer to which the resource card belongs, and use this payment password as the target payment password for the resource card to make payments using the activated online payment service. Alternatively, if the authenticator is the card issuer platform, after the payment service platform activates online payment services for the resource card, the user terminal can obtain the new payment password entered by the user and send the new payment password to the card issuer platform. The card issuer will then use this new payment password as the target payment password. During the process of the resource card making payments using the online payment service, the card issuer platform can receive the payment password sent by the user terminal, authenticate the payment password (i.e., determine whether the payment password matches the target payment password), and send the authentication result to the payment service platform. The authentication result indicates whether the payment password authentication was successful.

[0070] For example, if the authenticator is a payment service platform, after the payment service platform activates online payment services for the resource card, it can interact with the user terminal, or through the card issuer's platform, to obtain the new payment password entered by the user and use this new password as the target payment password. During the process of the resource card making a payment using the online payment service, the payment service platform receives the payment password sent by the user terminal, authenticates the payment password (i.e., determines whether the payment password matches the target payment password), and generates an authentication result. The authentication result indicates whether the payment password authentication was successful.

[0071] In some embodiments, the payment service platform stores a set of bound card issuer identifiers. The set of bound card issuer identifiers includes card issuer identifiers that can be bound to business user identifiers in the first database. Resource card service information includes the card issuer identifier of the resource card. Step S202 can be further refined as follows: if an identifier matching the card issuer identifier exists in the set of bound card issuer identifiers, the resource card service information is bound to the business user identifier corresponding to the user identity information in the first database. By binding the set of bound card issuer identifiers, the card issuer to which the resource card with the online payment function belongs, i.e., the resource card bound to the business user identifier in the first database, can be set.

[0072] In some examples, if the set of card issuer identifiers is empty, it can be assumed that the card issuer to which the resource card to which the online payment service belongs is not limited, that is, any resource card issued by any card issuer can open the online payment service.

[0073] In some examples, if the issuing institution identifier from the resource card business information exists in the set of binding issuing institution identifiers, it is determined that the resource card corresponding to the resource card business information has the authority to activate online payment services. The resource card business information is then bound to the business user identifier corresponding to the user identity information in the first database, and the online payment service of the resource card is activated. If the issuing institution identifier from the resource card business information does not exist in the set of binding issuing institution identifiers, it is determined that the resource card corresponding to the resource card business information does not have the authority to activate online payment services. No further binding action will be performed, and the online payment service will not be activated for the resource card.

[0074] In some embodiments, the payment service platform may store a set of issuing institution identifiers for notification. This set includes the identifiers of issuing institutions that are permitted to be notified after the online payment service is activated. Resource card service information includes the issuing institution identifier of the resource card. If a matching identifier exists in the set of issuing institution identifiers, the payment platform sends the activation result information of the online payment service for the resource card to the issuing institution platform corresponding to that identifier. The activation result information indicates whether the online payment service was successfully activated or not. The set of issuing institution identifiers allows the setting of issuing institution platforms that are required to send activation result information.

[0075] In some examples, if the set of card issuer identifiers is empty, it can be assumed that there is no limitation on the card issuer platform with the permission to receive activation result information, that is, any card issuer platform has the permission to receive activation result information.

[0076] In some examples, if the issuing institution identifier in the resource card business information exists in the notification issuing institution identifier set, it is determined that the issuing institution platform corresponding to the issuing institution identifier has the authority to receive activation result information, and the activation result information is sent to the issuing institution platform; if the issuing institution identifier in the resource card business information does not exist in the notification issuing institution identifier set, it is determined that the issuing institution platform corresponding to the issuing institution identifier does not have the authority to receive activation result information, and the activation result information will not be sent to the issuing institution platform.

[0077] In some examples, if the issuing institution identifier from the resource card business information exists in the set of issuing institution identifiers, it is determined that the issuing institution platform corresponding to that identifier has the authority to receive activation result information, and the activation result information is sent to that issuing institution platform. If the issuing institution identifier from the resource card business information does not exist in the set of issuing institution identifiers, an identifier whose first four characters match the first four characters of the issuing institution identifier in the resource card business information is searched in the set of issuing institution identifiers. If an identifier whose first four characters match the first four characters of the issuing institution identifier in the resource card business information exists in the set of issuing institution identifiers, it is considered that the issuing institution platform corresponding to that identifier has the authority to receive activation result information, and the activation result information is sent to that issuing institution platform. If an identifier whose first four characters match the first four characters of the issuing institution identifier in the resource card business information does not exist in the set of issuing institution identifiers, it is considered that the issuing institution platform corresponding to that identifier does not have the authority to receive activation result information, and the activation result information is not sent to that issuing institution platform.

[0078] The second aspect of this application provides a method for activating online payment services, which is applied to a card issuing institution platform, i.e., the method for activating online payment services is executed by the card issuing institution platform. Figure 6A flowchart illustrating a method for activating online payment services according to an embodiment of the second aspect of this application. Figure 6 As shown, the method for activating online payment services may include steps S301 and S302.

[0079] In step S301, in response to the resource card application message, the resource card is activated for the user.

[0080] The resource card application message includes user identity information and payment service activation authorization information.

[0081] In step S302, in response to the payment service activation authorization information, the service activation information is transmitted to the payment service platform through a preset information interface, so that the payment service platform matches users in the first database based on user identity information and binds the resource card service information with the service user identifier corresponding to the user identity information in the first database, thereby activating the network payment service of the resource card on the payment service platform.

[0082] The service activation information includes user identity information and resource card service information. The payment service platform has a primary database.

[0083] In some examples, the resource card business information includes one or more of the following: resource card number, issuing institution identifier, payment application identifier, resource card type, issuing institution user identifier, and business activation authorization identifier.

[0084] In some examples, user identity information includes first user identity information, which is obtained from the user by the card-issuing institution platform. The information interface includes a first interface, which is used to transmit service activation information including the first user identity information.

[0085] In some examples, user identity information includes second user identity information, which is obtained from the user by a software development kit (SDK) integrated into the payment application on the user's terminal, and then obtained by the card issuer platform from the SSD. The information interface includes a second interface used to transmit service activation information including the second user identity information.

[0086] The first user identity information and the second user identity information can coexist, and the first interface and the second interface can also coexist; this is not a limitation.

[0087] The specific details of steps S301 and S302 can be found in the relevant descriptions in the above embodiments, and will not be repeated here.

[0088] In this embodiment, the issuing institution platform responds to a user's resource card application message and activates the resource card for the user. After activation, resource card service information is obtained. The issuing institution platform transmits service activation information, including user identity information and resource card service information, to the payment service platform through a preset information interface. This service activation information allows the payment service platform to perform user matching based on the user identity information in the service activation information within its first database. The resource card service information in the service activation information is then bound to the service user identifier corresponding to the user identity information in the first database, thereby activating the resource card's online payment service on the payment service platform. This process eliminates the need for users to manually register a payment platform account and bind a bank card, simplifying the resource card activation process and improving the efficiency of online payment service activation.

[0089] In some embodiments, the card issuing institution platform may also send interface mode configuration information to the payment service platform. The interface mode configuration information is used to indicate the correspondence between information interfaces and information processing modes. After configuring the information processing mode for the information interface, the service activation information transmitted through the information interface will be processed according to the corresponding information processing mode. For details, please refer to the relevant descriptions in the above embodiments, which will not be repeated here.

[0090] The information interface may include a first interface and / or a second interface. The information processing mode may include a first mode and / or a second mode.

[0091] The first mode instructs the payment service platform to match users in the first database based on user identity information, and bind the resource card service information with the service user identifier corresponding to the user identity information in the first database, so as to enable the resource card to make online payment services on the payment service platform.

[0092] The second mode instructs the payment service platform to match users in the first database based on user identity information, and bind the resource card service information with the service user identifier corresponding to the user identity information in the first database to activate the network payment service of the resource card on the payment service platform. It also sends the service activation information to the back-end system of the payment application of the card issuing institution platform, so that the back-end system of the payment application can match users in the second database based on user identity information and bind the resource card service information with the corresponding payment application user identifier in the second database.

[0093] The combined configurations of the first interface, the second interface, the first mode, the second mode, and the information interface and information processing mode mentioned above can be found in the relevant descriptions in the above embodiments, and will not be repeated here.

[0094] In some embodiments, the information of each user in the first database can be stored as user information items. The first database includes user information items, which include a business user identifier and user information. The business user identifier is used to uniquely identify the user, and the specific content can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0095] In some embodiments, after the payment service platform completes the binding of resource card service information with the service user identifier corresponding to the user identity information in the first database, the payment service platform and the card issuing institution platform can also set a payment password for the online payment service, so that users can use the activated online payment service through the payment password. The card issuing institution platform can interact with the payment service platform to determine the authenticator of the target payment password for the resource card. The authenticator includes the card issuing institution platform or the payment service platform. The target payment password reuses the user's payment password in the payment application on the card issuing institution platform, or the target payment password is a newly created payment password. For details on the setting and authentication of the target payment password, please refer to the relevant descriptions in the above embodiments, which will not be repeated here.

[0096] In some embodiments, resource card service information includes the issuing institution identifier of the resource card. The payment service platform stores a set of bound issuing institution identifiers, which includes identifiers of issuing institutions that support binding resource card service information with service user identifiers in the first database.

[0097] In some embodiments, resource card service information includes the issuer identifier of the resource card. The payment service platform stores a set of notification issuer identifiers, which includes the identifiers of issuers that support receiving payment service activation result information for resource cards.

[0098] To facilitate understanding, the following explanation illustrates the process of activating online payment services using the interaction between the user, the card issuer platform, the payment service platform, and the backend system of the payment application. Here, "user" can include user terminals, electronic devices in the card issuer's facilities, and other devices, equipment, and systems capable of directly obtaining user identity information. Figure 7 This is a flowchart illustrating an example of the online payment service activation process provided in an embodiment of this application. Figure 7 As shown, the online payment service activation process may include steps S401 to S409. Figure 7 The back-end system in the text refers to the back-end system of the payment application.

[0099] In step S401, the user submits a resource card application message to the card issuing institution platform.

[0100] In step S402, in response to the resource card application message, the issuing institution platform activates the resource card.

[0101] In step S403, the card issuing institution platform transmits service activation information to the payment service platform through the information interface.

[0102] In step S404, the payment service platform determines the information processing mode corresponding to the information interface based on the information interface. If the information processing mode corresponding to the information interface includes the first mode, step S405 is executed. If the information processing mode corresponding to the information interface includes the second mode, steps S405 to S407 are executed.

[0103] In step S405, the payment service platform matches users in the first database based on user identity information, binds the resource card service information with the service user identifier corresponding to the user identity information in the first database, and activates the network payment service of the resource card on the payment service platform.

[0104] In step S406, the payment service platform sends service activation information to the back-end system of the payment application.

[0105] In step S407, the backend system of the payment application performs user matching in the second database based on the user's identity information, and binds the resource card business information and the payment application user identifier corresponding to the user's identity information in the second database.

[0106] In step S408, the payment service platform sends activation result information to the card issuing institution platform.

[0107] In step S409, the card issuing institution platform sends activation result information to the user.

[0108] For details of steps S401 to S409 above, please refer to the relevant descriptions in the above embodiments, which will not be repeated here.

[0109] It should be noted that the acquisition, storage, use, and processing of information and data in this embodiment are all authorized by the user or relevant organization and comply with the relevant provisions of national laws and regulations.

[0110] A third aspect of this application provides a device for activating online payment services, which is applied to a payment service platform, the payment service platform having a first database. Figure 8 This is a schematic diagram of the structure of a network payment service activation device provided in an embodiment of the third aspect of this application. Figure 8 As shown, the online payment service activation device 500 may include a receiving module 501 and a service activation module 502.

[0111] The receiving module 501 can be used to receive service activation information transmitted by the card issuing institution platform through a preset information interface.

[0112] The service activation information includes user identity information and resource card service information. This information is generated by the issuing institution's platform in response to the resource card application message after activating the resource card for the user. The resource card application message includes user identity information and payment service activation authorization information.

[0113] In some examples, user identity information includes first user identity information, which is obtained from the user by the card-issuing institution platform. The information interface includes a first interface, which is used to transmit service activation information including the first user identity information.

[0114] In some examples, user identity information includes second user identity information, which is obtained from the user by a software development kit (SDK) integrated into the payment application on the user's terminal, and then obtained by the card issuer platform from the SSD. The information interface includes a second interface used to transmit service activation information including the second user identity information.

[0115] In some examples, the resource card business information includes one or more of the following: resource card number, issuing institution identifier, payment application identifier, resource card type, issuing institution user identifier, and business activation authorization identifier.

[0116] The service activation module 502 can be used to match users in the first database based on user identity information, and bind the resource card service information and the service user identifier corresponding to the user identity information in the first database to activate the resource card's online payment service on the payment service platform.

[0117] In this embodiment, the issuing institution platform responds to a user's resource card application message and activates the resource card for the user. After activation, resource card service information is obtained. The issuing institution platform transmits service activation information, including user identity information and resource card service information, to the payment service platform through a preset information interface. This service activation information allows the payment service platform to perform user matching based on the user identity information in the service activation information within its first database. The resource card service information in the service activation information is then bound to the service user identifier corresponding to the user identity information in the first database, thereby activating the resource card's online payment service on the payment service platform. This process eliminates the need for users to manually register a payment platform account and bind a bank card, simplifying the resource card activation process and improving the efficiency of online payment service activation.

[0118] In some embodiments, the online payment service activation device 500 may further include a mode determination module. The mode determination module can be used to determine the information processing mode corresponding to the information interface based on the information interface.

[0119] Information processing modes include a first mode and / or a second mode.

[0120] The first mode includes: matching users in the first database based on user identity information, and binding resource card business information with the business user identifier corresponding to the user identity information in the first database to enable the resource card to conduct online payment business on the payment business platform.

[0121] The second mode includes: matching users in the first database based on user identity information, binding resource card business information with the business user identifier corresponding to the user identity information in the first database, so as to activate the network payment business of the resource card on the payment business platform, and sending the business activation information to the back-end system of the payment application of the card issuing institution platform, so that the back-end system of the payment application can match users in the second database based on user identity information and bind the resource card business information with the corresponding payment application user identifier in the second database.

[0122] In some embodiments, the online payment service activation device 500 may further include a setting module. The setting module can be used to set the correspondence between information interfaces and information processing modes in response to interface mode configuration information obtained from the card issuer platform.

[0123] In some embodiments, the service activation module 502 can be used to: search for a user information item matching the user's identity information in a first database, wherein the user information item includes a service user identifier and user information, and the service user identifier is used to uniquely identify the user; if a user information item matching the user's identity information exists in the first database, bind the resource card service information to the service user identifier in the user information item and update the user information item; if no user information item matching the user's identity information exists in the first database, generate a new service user identifier and bind the resource card service information to the new service user identifier to form a new user information item.

[0124] In some examples, the online payment service activation device 500 may also include a sending module. The receiving module 501 and the sending module can be used to interact with the card issuer platform to determine the authenticator of the target payment password for the resource card.

[0125] The authenticator includes the card issuer platform or the payment service platform. The target payment password reuses the user's payment password in the payment application on the card issuer platform, or the target payment password is a newly created payment password.

[0126] In some embodiments, the resource card service information includes the issuing institution identifier of the resource card. The payment service platform stores a set of bound issuing institution identifiers. The service activation module 502 can also be used to bind the resource card service information and the service user identifier corresponding to the user identity information in the first database when an identifier matching the issuing institution identifier exists in the bound issuing institution identifier set.

[0127] In some embodiments, the resource card service information includes the issuing institution identifier of the resource card. The payment service platform stores a set of notified issuing institution identifiers. The online payment service activation device 500 may further include a sending module. The sending module can be used to send the activation result information of the online payment service of the resource card to the issuing institution platform corresponding to the issuing institution identifier when an identifier matching the issuing institution identifier exists in the notified issuing institution identifier set.

[0128] The fourth aspect of this application provides a device for activating online payment services, which is applied to a card issuing institution platform. Figure 9 This is a schematic diagram of the structure of a network payment service activation device provided according to an embodiment of the fourth aspect of this application. Figure 9 As shown, the network payment service activation device 600 may include a card activation module 601 and a sending module 602.

[0129] The card activation module 601 can be used to activate resource cards for users in response to resource card application messages.

[0130] The resource card application message includes user identity information and payment service activation authorization information.

[0131] The sending module 602 can be used to respond to the payment service activation authorization information and transmit the service activation information to the payment service platform through a preset information interface, so that the payment service platform can perform user matching in the first database based on the user identity information and bind the resource card service information and the service user identifier corresponding to the user identity information in the first database to activate the network payment service of the resource card on the payment service platform.

[0132] The service activation information includes user identity information and resource card service information. The payment service platform has a primary database.

[0133] In some examples, user identity information includes first user identity information, which is obtained from the user by the card issuing institution platform. The information interface includes a first interface, which is used to transmit service activation information including the first user identity information.

[0134] In some examples, user identity information includes second user identity information, which is obtained from the user by a software development kit (SDK) integrated into the payment application on the user's terminal, and then obtained from the SSD by the card issuer platform. The information interface includes a second interface, which is used to transmit service activation information including the second user identity information.

[0135] In some examples, the resource card business information includes one or more of the following: resource card number, issuing institution identifier, payment application identifier, resource card type, issuing institution user identifier, and business activation authorization identifier.

[0136] In this embodiment, the issuing institution platform responds to a user's resource card application message and activates the resource card for the user. After activation, resource card service information is obtained. The issuing institution platform transmits service activation information, including user identity information and resource card service information, to the payment service platform through a preset information interface. This service activation information allows the payment service platform to perform user matching based on the user identity information in the service activation information within its first database. The resource card service information in the service activation information is then bound to the service user identifier corresponding to the user identity information in the first database, thereby activating the resource card's online payment service on the payment service platform. This process eliminates the need for users to manually register a payment platform account and bind a bank card, simplifying the resource card activation process and improving the efficiency of online payment service activation.

[0137] In some embodiments, the sending module 602 can be used to send interface mode configuration information to the payment service platform. The interface mode configuration information is used to indicate the correspondence between information interfaces and information processing modes.

[0138] In some embodiments, the information processing mode includes a first mode and / or a second mode.

[0139] The first mode instructs the payment service platform to match users in the first database based on user identity information, and bind the resource card service information with the service user identifier corresponding to the user identity information in the first database, so as to enable the resource card to make online payment services on the payment service platform.

[0140] The second mode instructs the payment service platform to match users in the first database based on user identity information, and bind the resource card service information with the service user identifier corresponding to the user identity information in the first database to activate the network payment service of the resource card on the payment service platform. It also sends the service activation information to the back-end system of the payment application of the card issuing institution platform, so that the back-end system of the payment application can match users in the second database based on user identity information and bind the resource card service information with the corresponding payment application user identifier in the second database.

[0141] In some embodiments, the first database includes user information items, which include a business user identifier and user information, wherein the business user identifier is used to uniquely identify a user.

[0142] In some embodiments, the network payment service activation device 600 may further include a receiving module. The receiving module and the sending module 601 can be used to interact with the payment service platform to determine the authenticator of the target payment password of the resource card.

[0143] The authenticator includes the card issuer platform or the payment service platform. The target payment password reuses the user's payment password in the payment application on the card issuer platform, or the target payment password is a newly created payment password.

[0144] In some embodiments, resource card service information includes the issuing institution identifier of the resource card. The payment service platform stores a set of bound issuing institution identifiers, which includes identifiers of issuing institutions that support binding resource card service information with service user identifiers in the first database.

[0145] In some embodiments, resource card service information includes the issuer identifier of the resource card. The payment service platform stores a set of notification issuer identifiers, which includes the identifiers of issuers that support receiving payment service activation result information for resource cards.

[0146] The fifth aspect of this application also provides an electronic device that is used in a payment business platform. Figure 10 This is a schematic diagram of the structure of an electronic device provided according to an embodiment of the fifth aspect of this application. Figure 10 As shown, the electronic device 700 includes a memory 701, a processor 702, and a computer program stored in the memory 701 and executable on the processor 702.

[0147] In one example, the processor 702 described above may include a central processing unit (CPU), or an application-specific integrated circuit (ASIC), or one or more integrated circuits that can be configured to implement the embodiments of this application.

[0148] Memory 701 may include read-only memory (ROM), random access memory (RAM), disk storage media device, optical storage media device, flash memory device, electrical, optical, or other physical / tangible memory storage device. Therefore, typically, memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the network payment service activation method according to the first aspect embodiment of this application.

[0149] The processor 702 runs a computer program corresponding to the executable program code by reading the executable program code stored in the memory 701, so as to implement the network payment service activation method in the first aspect embodiment above.

[0150] In one example, the electronic device 700 may also include a communication interface 703 and a bus 704. Wherein, as... Figure 10 As shown, the memory 701, processor 702, and communication interface 703 are connected through bus 704 and complete communication with each other.

[0151] The communication interface 703 is mainly used to enable communication between various modules, devices, units, and / or equipment in the embodiments of this application. Input devices and / or output devices can also be connected through the communication interface 703.

[0152] Bus 704 includes hardware, software, or both, that couples components of electronic device 700 together. For example, and not limitingly, bus 704 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a HyperTransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an Infinite Bandwidth Interconnect, a Low Pin Count (LPC) bus, a memory bus, a MicroChannel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-E) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local Bus (VLB) bus, or other suitable buses, or combinations of two or more of these. Where appropriate, bus 704 may include one or more buses. Although specific buses are described and illustrated in the embodiments of this application, this application considers any suitable bus or interconnection.

[0153] A sixth aspect of this application also provides an electronic device applicable to a card issuing institution platform. The electronic device may include a memory, a processor, and a computer program stored in the memory and executable on the processor.

[0154] The memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform operations described with reference to the network payment service activation method according to the second aspect embodiment of this application.

[0155] The processor runs a computer program corresponding to the executable program code by reading the executable program code stored in the memory, so as to implement the network payment service activation method in the second aspect embodiment above.

[0156] In some examples, electronic devices may also include communication interfaces and buses. Memory, processor, and communication interfaces can be connected via the bus to communicate with each other.

[0157] The connection relationships and specific implementations of the memory, processor, communication interface and bus can be found in the connection relationships and specific implementations of the memory 701, processor 702, communication interface 703 and bus 704 in the electronic device 700 in the above embodiments, and will not be repeated here.

[0158] The seventh aspect of this application provides a network payment service activation system, which may include the payment service platform and card issuing institution platform in the above embodiments.

[0159] The payment service platform is used to execute the network payment service activation method in the first aspect embodiment.

[0160] The card issuing institution platform is used to execute the online payment service activation method in the second aspect embodiment.

[0161] For details regarding the payment service platform, card issuing institution platform, and online payment service activation methods, please refer to the relevant descriptions in the above embodiments, which will not be repeated here.

[0162] The eighth aspect of this application also provides a computer-readable storage medium storing computer program instructions. When executed by a processor, these computer program instructions can implement the network payment service activation method described in the first aspect embodiment or the network payment service activation method described in the second aspect embodiment, and achieve the same technical effect. To avoid repetition, further details are omitted here. The aforementioned computer-readable storage medium may include non-transitory computer-readable storage media, such as read-only memory (ROM), random access memory (RAM), magnetic disk, or optical disk, etc., and is not limited thereto.

[0163] This application also provides a computer program product. When the instructions in this computer program product are executed by the processor of an electronic device, the electronic device performs the network payment service activation method in the first aspect embodiment or the network payment service activation method in the second aspect embodiment, and achieves the same technical effect. To avoid repetition, further details are omitted here.

[0164] It should be clarified that the various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to mutually. Each embodiment focuses on describing the differences from other embodiments. For the implementation of apparatus embodiments, device embodiments, system embodiments, computer-readable storage medium embodiments, and computer program products, the relevant parts can be referred to the description section of the method embodiments. This application is not limited to the specific steps and structures described above and shown in the figures. Those skilled in the art can make various changes, modifications, and additions, or change the order of steps, after understanding the spirit of this application. Furthermore, for the sake of brevity, detailed descriptions of known method techniques are omitted here.

[0165] The aspects of this application have been described above with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It should be understood that each block in the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing apparatus to produce a machine such that these instructions, executable via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions / actions specified in one or more blocks of the flowchart illustrations and / or block diagrams. Such a processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field-programmable logic circuit. It is also understood that each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, can also be implemented by dedicated hardware performing the specified functions or actions, or can be implemented by a combination of dedicated hardware and computer instructions.

[0166] Those skilled in the art will understand that the above embodiments are exemplary and not restrictive. Different technical features appearing in different embodiments can be combined to achieve beneficial effects. Based on a study of the drawings, specification, and claims, those skilled in the art should be able to understand and implement other variations of the disclosed embodiments. In the claims, the term "comprising" does not exclude other means or steps; the quantifier "a" does not exclude a plurality; the terms "first" and "second" are used to identify names and not to indicate any particular order. No reference numerals in the claims should be construed as limiting the scope of protection. The functionality of multiple parts appearing in the claims can be implemented by a single hardware or software module. The appearance of certain technical features in different dependent claims does not mean that these technical features cannot be combined to achieve beneficial effects.

Claims

1. A network payment service activation method, characterized by, The method is applied to a payment service platform having a first database, and the method comprises: receiving service opening information transmitted by a card-issuing institution platform through a preset information interface, the service opening information comprising user identity information and resource card service information, the service opening information being generated by the card-issuing institution platform in response to a resource card application message for opening a resource card for a user, the resource card application message comprising the user identity information and payment service opening authorization information; performing user matching in the first database based on the user identity information, and binding the resource card service information and a service user identifier corresponding to the user identity information in the first database, so as to open a network payment service of the resource card in the payment service platform.

2. The method of claim 1, wherein, After the receiving of the service opening information transmitted by the card-issuing institution platform through the preset information interface, the method further comprises: determining an information processing mode corresponding to the information interface according to the information interface, the information processing mode comprising a first mode and / or a second mode, wherein the first mode comprises performing user matching in the first database based on the user identity information, and binding the resource card service information and a service user identifier corresponding to the user identity information in the first database, so as to open a network payment service of the resource card in the payment service platform, the second mode comprises performing user matching in the first database based on the user identity information, and binding the resource card service information and a service user identifier corresponding to the user identity information in the first database, so as to open a network payment service of the resource card in the payment service platform, and sending the service opening information to a background system of a payment application of the card-issuing institution platform, so that the background system of the payment application performs user matching in a second database based on the user identity information, and binds the resource card service information and a corresponding payment application user identifier in the second database.

3. The method of claim 1 or 2, wherein the user identity information comprises first user identity information, the first user identity information being obtained by the card-issuing institution platform from a user, and the information interface comprises a first interface, the first interface being used for transmitting the service opening information comprising the first user identity information; and / or the user identity information comprises second user identity information, the second user identity information being obtained by a software development kit integrated in a payment application of a user terminal from a user, and then obtained by the card-issuing institution platform from the software development kit, and the information interface comprises a second interface, the second interface being used for transmitting the service opening information comprising the second user identity information.

4. The method of claim 3, wherein, Further comprising: setting a correspondence between the information interface and the information processing mode in response to interface mode configuration information obtained from the card-issuing institution platform.

5. The method of claim 1, wherein, the performing user matching in the first database based on the user identity information, and the binding the resource card service information and a service user identifier corresponding to the user identity information in the first database, comprise: finding a user information item matching the user identity information in the first database, the user information item comprising a business user identifier and user information, the business user identifier being used to uniquely identify a user; in a case where the first database contains a user information item matching the user identity information, binding the resource card business information with the business user identifier in the user information item, and updating the user information item; in a case where the first database does not contain a user information item matching the user identity information, generating a new business user identifier, binding the resource card business information with the new business user identifier, and forming a new user information item.

6. The method of claim 1, wherein, Further comprising: interacting with the card-issuing institution platform to determine an authentication party of a target payment password of the resource card, wherein the authentication party comprises the card-issuing institution platform or the payment business platform, the target payment password reusing a payment password of the user in a payment application program of the card-issuing institution platform, or the target payment password being a newly created payment password.

7. The method of claim 1, wherein, the resource card business information comprising an identifier of a card-issuing institution of the resource card, the payment business platform storing a set of bound card-issuing institution identifiers, the binding of the resource card business information and the business user identifier corresponding to the user identity information in the first database comprising: in a case where the set of bound card-issuing institution identifiers contains an identifier matching the card-issuing institution identifier, binding the resource card business information and the business user identifier corresponding to the user identity information in the first database.

8. The method of claim 1, wherein, the resource card business information comprising an identifier of a card-issuing institution of the resource card, the payment business platform storing a set of notification card-issuing institution identifiers, the method further comprising: in a case where the set of notification card-issuing institution identifiers contains an identifier matching the card-issuing institution identifier, sending, to the card-issuing institution platform corresponding to the card-issuing institution identifier, opening result information of the network payment business of the resource card.

9. The method of claim 1, wherein, the resource card business information comprising one or more than one of the following: a resource card number, a card-issuing institution identifier, a payment application program identifier, a resource card type, a card-issuing institution user identifier, and a business opening authorization identifier.

10. A network payment service activation method characterized by comprising: applicable to a card-issuing institution platform, the method comprising: in response to a resource card application message, opening a resource card for a user, the resource card application message comprising user identity information and payment business opening authorization information; in response to the payment business opening authorization information, transmitting, through a preset information interface, business opening information to a payment business platform, the business opening information comprising the user identity information and resource card business information, so that the payment business platform performs user matching in a first database based on the user identity information, and binds the resource card business information and a business user identifier corresponding to the user identity information in the first database, to open a network payment business of the resource card in the payment business platform, the payment business platform having the first database.

11. The method of claim 10, wherein, The user identity information includes first user identity information, the first user identity information is obtained by the card-issuing institution platform from the user, and the information interface includes a first interface for transmitting the service opening information including the first user identity information. And / or, The user identity information includes second user identity information, the second user identity information is obtained by a software development kit integrated in a payment application program of a user terminal from the user, and then obtained by the card-issuing institution platform from the software development kit, and the information interface includes a second interface for transmitting the service opening information including the second user identity information.

12. The method of claim 11, wherein, Further comprising: sending interface mode configuration information to the payment service platform, the interface mode configuration information being used to indicate the correspondence between the information interface and the information processing mode.

13. The method of claim 12, wherein, The information processing mode includes a first mode and / or a second mode, The first mode indicates that the payment service platform performs user matching in a first database based on the user identity information, and binds the resource card service information and a service user identifier corresponding to the user identity information in the first database to open the network payment service of the resource card in the payment service platform, The second mode indicates that the payment service platform performs user matching in a first database based on the user identity information, and binds the resource card service information and a service user identifier corresponding to the user identity information in the first database to open the network payment service of the resource card in the payment service platform, and sends the service opening information to the background system of the payment application program of the card-issuing institution platform, so that the background system of the payment application program performs user matching in a second database based on the user identity information, and binds the resource card service information and the corresponding payment application user identifier in the second database.

14. The method of claim 10, wherein, The first database includes user information items, and each user information item includes a service user identifier and user information, and the service user identifier is used to uniquely identify a user.

15. The method of claim 10, wherein, Further comprising: interacting with the payment service platform to determine an authentication party of a target payment password of the resource card, The authentication party includes the card-issuing institution platform or the payment service platform, The target payment password reuses the payment password of the user in the payment application program of the card-issuing institution platform, or the target payment password is a newly created payment password.

16. The method of claim 10, wherein, The resource card service information includes a card-issuing institution identifier of the resource card, the payment service platform stores a binding card-issuing institution identifier set, and the binding card-issuing institution identifier set includes identifiers of card-issuing institutions supporting binding of the resource card service information and service user identifiers in the first database.

17. The method of claim 10, wherein, The resource card service information includes a card-issuing institution identifier of the resource card, the payment service platform stores a notification card-issuing institution identifier set, and the notification card-issuing institution identifier set includes identifiers of card-issuing institutions supporting receiving opening result information of the payment service of the resource card.

18. The method of claim 10, wherein, The resource card service information includes one or more of the following: A resource card card number, a card issuing institution identifier, a payment application identifier, a resource card type, a card issuing institution user identifier, and a service opening authorization identifier.

19. A network payment service provisioning apparatus, characterized by comprising: The application is applied to a payment service platform, and the payment service platform has a first database. A receiving module is configured to receive service opening information transmitted by a card issuing institution platform through a preset information interface, wherein the service opening information includes user identity information and resource card service information, the service opening information is generated by the card issuing institution platform in response to a resource card application message, and the resource card application message includes the user identity information and payment service opening authorization information. A service opening module is configured to perform user matching in the first database based on the user identity information and bind the resource card service information and a service user identifier corresponding to the user identity information in the first database to open network payment service of the resource card on the payment service platform.

20. A network payment service provisioning apparatus, characterized by comprising: The application is applied to a card issuing institution platform, and the device includes: A card opening module is configured to open a resource card for a user in response to a resource card application message, and the resource card application message includes user identity information and payment service opening authorization information. A sending module is configured to transmit service opening information to a payment service platform through a preset information interface in response to the payment service opening authorization information, wherein the service opening information includes the user identity information and resource card service information, so that the payment service platform performs user matching in a first database based on the user identity information and binds the resource card service information and a service user identifier corresponding to the user identity information in the first database to open network payment service of the resource card on the payment service platform, and the payment service platform has the first database.

21. An electronic device, comprising: The electronic device applied to the payment service platform includes a processor and a memory storing computer program instructions. The processor executes the computer program instructions to implement the network payment service opening method in any one of claims 1 to 9.

22. An electronic device, comprising: The electronic device applied to the card issuing institution platform includes a processor and a memory storing computer program instructions. The processor executes the computer program instructions to implement the network payment service opening method in any one of claims 10 to 18.

23. A network payment service provisioning system, characterized by, The application includes: A payment service platform configured to execute the network payment service opening method in any one of claims 1 to 9. A card issuing institution platform configured to execute the network payment service opening method in any one of claims 10 to 18.

24. A computer-readable storage medium, characterized in that, The computer readable storage medium stores computer program instructions, and the computer program instructions are executed by the processor to implement the network payment service opening method in any one of claims 1 to 18.

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