A method, device, electronic device and medium for managing a multi-account financial card

Abstract

The present invention provides a management method, device, electronic device and medium for a multi-account financial card, the method comprising: entering application parameters of all card products that can be integrated in the same financial card in a database; generating account information of each card product based on a pre-made card application for a target card product, based on the application parameters of the target card product and other card products associated with the target card product, the account information is used to complete the production of a multi-account financial card, wherein the account of the target card product is the main account of the financial card; based on at least one of the card activation application, password modification application and status change application for the main account of the target card, completing at least one of the card activation service, password modification service and status change service of the main account and the accounts of other card products associated with the target card product. The method reduces the difficulty of managing cards for customers, reduces the cost of bank card issuance, and reduces the time consumption of business handling.

Description

Technical Field

[0001] The present invention relates to the technical field of online payment, and in particular to a management method, device, electronic device and medium for a multi-account financial card. Background Art

[0002] In existing banking services, customers may have multiple financial cards under their name. Card management is troublesome, and the passwords of multiple financial cards are easily confused and forgotten. Multiple cards for each customer will also cause high card issuance costs for banks. It takes a long time for customers to handle business at the bank. Multiple cards will double the time, wasting customer time and affecting customer experience. Summary of the invention

[0003] The present invention provides a method, device, electronic device and medium for managing a financial card of an account, aiming to solve at least one of the above technical defects. The technical solution adopted by the present invention is as follows:

[0004] In a first aspect, an embodiment of the present invention provides a method for managing a multi-account financial card, including: entering application parameters of all card products that can be integrated into the same financial card into a database;

[0005] Based on the pre-made card application for the target card product, based on the application parameters of the target card product and other card products associated with the target card product, the account information of each card product is generated, and the account information is used to complete the production of a multi-account financial card, wherein the account of the target card product is the primary account of the financial card;

[0006] Based on at least one of the card activation application, password modification application and status change application for the main account of the target card, at least one of the card activation services, password modification services and status change services for the main account and accounts of other card products associated with the target card product is completed.

[0007] Optionally, based on a pre-made card application for a target card product, based on application parameters of the target card product and other card products associated with the target card product, account information for each card product is generated, including:

[0008] The intermediate business platform receives a pre-made card application for a target card product sent by the counter system, wherein the pre-made card application for the target card product is generated by the counter system based on a user operation;

[0009] The intermediate business platform initiates a pre-made card application for the target card product to the bank's core system, and based on the application parameters of the target card product, determines the application parameters of other card products associated with the target card product in the database, and initiates a pre-made card application for each other card product to the bank's core system;

[0010] The bank's core system generates account information for the target card product and other card products associated with the target card product and returns it to the intermediary business platform;

[0011] The intermediary business platform enters the account information of each card product received into the database.

[0012] Optionally, based on the card activation application for the primary account of the target card, the card activation service for the primary account and accounts of other card products associated with the target card product is completed, including:

[0013] The intermediary business platform receives the card activation application for the primary account sent by the counter system;

[0014] The intermediary business platform sends the information contained in the card activation application for the primary account to the bank's core system, and initiates a card activation transaction for the primary account to the bank's core system. The card activation for the primary account includes customer information, the password set by the customer, and the primary account number of the bank card.

[0015] After the bank's core system completes the card activation for the main account, the intermediate business platform initiates card activation transactions for the accounts of other card products to the bank's core system in turn, allowing the bank's core system to complete the card activation for the accounts of all card products in the financial card.

[0016] Optionally, based on the password modification application for the primary account of the target card, the password modification service for the primary account and accounts of other card products associated with the target card product is completed, including:

[0017] Based on the old and new passwords of the master account, the counter system initiates a password change request for the master account to the bank's core system, so that the bank's core system completes the password change for the master account.

[0018] After the bank's core system completes the password change for the primary account, the counter system initiates a query request for account information of other card products to the intermediary business platform;

[0019] After receiving the query request, the intermediary business platform searches the database for account information of other card products that have not been used and sends it back to the counter system;

[0020] The counter initiates password modification applications for each received account number of other card products to the bank core system in turn, so that the bank core system completes the password modification business of the corresponding account number of other card products.

[0021] Optionally, the password of the master account is the same as the password of each other card product account, and is a password encrypted by combining the customer-entered financial transaction password and a preset encryption feature value.

[0022] Optionally, based on the status change application for the primary account of the target card, the service of completing the status change of the primary account and the accounts of other card products associated with the target card product includes:

[0023] Based on the card status change information of the primary account, the counter system initiates a status change application for the primary account to the bank's core system, so that the bank's core system completes the status change of the primary account;

[0024] After the bank's core system completes the status change of the primary account, the counter system initiates a query request for account information of other card products to the intermediate business platform;

[0025] After receiving the query request, the intermediary business platform searches the database for account information of other card products that have not been used and sends it back to the counter system;

[0026] The counter sequentially initiates status change applications for the received accounts of various other card products to the bank core system, so that the bank core system completes the status change services of the corresponding accounts of other card products.

[0027] Optionally, the status change service includes at least one of reporting a card lost, unblocking a card, and canceling a card.

[0028] In a second aspect, an embodiment of the present invention provides a multi-account financial card management system, characterized in that it includes a database, a counter system, an intermediate business platform and a bank core system;

[0029] The database is used to enter application parameters for all card products that can be integrated into the same financial card;

[0030] The counter system, intermediary business platform and bank core system are used to complete the following steps:

[0031] Based on the pre-made card application for the target card product, based on the application parameters of the target card product and other card products associated with the target card product, the account information of each card product is generated, and the account information is used to complete the production of a multi-account financial card, wherein the account of the target card product is the primary account of the financial card;

[0032] Based on at least one of the card activation application, password modification application and status change application for the main account of the target card, at least one of the card activation services, password modification services and status change services for the main account and accounts of other card products associated with the target card product is completed.

[0033] In a third aspect, an embodiment of the present invention provides an electronic device, which includes a processor and a memory; the memory is configured to store machine-readable instructions, and when the instructions are executed by the processor, the processor executes the above-mentioned method for managing financial cards with multiple accounts.

[0034] In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the above-mentioned method for managing financial cards with multiple accounts.

[0035] The beneficial technical effects brought about by the technical solution provided by the embodiment of the present invention are:

[0036] The multi-account financial card management method provided by the present invention integrates the account information of multiple card products in one financial card. Multiple card products can be activated, reported lost, and unblocked at the same time. The customer and the teller only need to perform one business operation to complete the corresponding business for all accounts in the card at the same time, which reduces the difficulty of customer card management, reduces the cost of bank card issuance, reduces the time spent on business processing, and helps to improve customer experience.

[0037] Additional aspects and advantages of the present invention will be given in part in the following description, which will become obvious from the following description, or may be learned through practice of the present invention. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] The above and / or additional aspects and advantages of the present invention will become apparent and easily understood from the following description of the embodiments in conjunction with the accompanying drawings, in which:

[0039] Figure 1 A schematic diagram of a multi-account financial card management system provided by the present invention;

[0040] Figure 2 A schematic diagram of a flow chart of a method for managing a multi-account financial card provided by the present invention;

[0041] Figure 3 A schematic diagram of a module of an electronic device provided by the present invention. DETAILED DESCRIPTION

[0042] The present invention is described in detail below, and examples of embodiments of the present invention are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar components or components having the same or similar functions.

[0043] It will be understood by those skilled in the art that, unless otherwise defined, all terms (including technical and scientific terms) used herein have the same meaning as generally understood by those skilled in the art in the art to which the present invention belongs. It should also be understood that terms such as those defined in general dictionaries should be understood to have meanings consistent with the meanings in the context of the prior art, and will not be interpreted with idealized or overly formal meanings unless specifically defined as herein.

[0044] It will be understood by those skilled in the art that, unless expressly stated, the singular forms "one", "said", and "the" used herein may also include plural forms. It should be further understood that the term "comprising" used in the specification of the present invention refers to the presence of the features, integers, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, integers, steps, operations, elements, components and / or groups thereof. It should be understood that when we refer to an element as being "connected" or "coupled" to another element, it may be directly connected or coupled to the other element, or there may be intermediate elements. In addition, the "connection" or "coupling" used herein may include wireless connection or wireless coupling. The term "and / or" used herein includes all or any unit and all combinations of one or more associated listed items.

[0045] The embodiment of the present invention provides a method and system for managing a multi-account financial card, such as Figure 1 As shown, the management system includes a database 210 , a counter system 220 , an intermediate business platform 230 and a bank core system 240 .

[0046] The database 210 is used to input application parameters of all card products that can be integrated into the same financial card. The counter system 220, the intermediate business platform 230 and the bank core system 240 are used to complete the relevant steps in the management method.

[0047] Figure 2 The present invention provides a flowchart of a method for managing a multi-account financial card. Figure 2 , the management method comprises the following steps:

[0048] S110: Enter application parameters of all card products that can be integrated into the same financial card into the database 210.

[0049] S120: Based on the pre-made card application for the target card product, based on the application parameters of the target card product and other card products associated with the target card product, generate account information for each card product, the account information is used to complete the production of a multi-account financial card, wherein the account of the target card product is the primary account of the financial card.

[0050] Optionally, step S120 may include: the intermediate business platform 230 receives the pre-made card application for the target card product sent by the counter system 220, wherein the pre-made card application for the target card product is generated by the counter system 220 based on the user operation; the intermediate business platform 230 initiates the pre-made card application for the target card product to the bank core system 240, and based on the application parameters of the target card product, determines the application parameters of other card products associated with the target card product in the database 210, and initiates the pre-made card application for each other card product to the bank core system 240; the bank core system 240 generates the account information of the target card product and other card products associated with the target card product and returns it to the intermediate business platform 230; the intermediate business platform 230 enters the received account information of each card product into the database 210. It can be understood that the financial card can be an IC card of the bank.

[0051] Specifically, the implementation process of step S110 and step S120 is as follows:

[0052] Step a1: in an offline manner, the business department provides the card parameters of the pre-made card application for all types of card products that need to be integrated into the financial card to the intermediate business platform 230 , and the intermediate business platform 230 enters these parameters into the database 210 .

[0053] Step a2: The teller initiates an application for a pre-made card of a certain type of card product, such as an application for a pre-made card of card product a, to the intermediate business platform 230 through the counter system 220 .

[0054] Step a3: After receiving the request, the intermediary business platform 230 initiates a pre-made card application for card product a to the bank core system 240. The intermediary business platform 230 then selects card parameters of other card products from the database 210 in turn according to the card parameters of the pre-made card application for card product a, and then initiates pre-made card applications for the corresponding card products to the bank core system 240 in turn;

[0055] Step a4: After receiving the request, the bank core system 240 generates account information in batches, and then sends the account information of all card products to the financial card system and the intermediate business platform 230;

[0056] Step a5: After receiving the account information of all card products, the intermediary business platform 230 binds the accounts of different card products one by one into the database 210 according to a certain rule, specifies the account of a certain card product as the primary account, and uploads the bound data to the financial card system;

[0057] Step a6: The card dealer produces a financial card with accounts of different card products integrated into one card according to the card production information provided by the financial card system. At this point, the teller initiates a pre-made card application transaction, and the management system can complete the pre-made card application business of multiple types of card products in sequence.

[0058] S130: Based on at least one of the card activation application, password modification application and status change application for the primary account of the target card, complete at least one of the card activation services, password modification services and status change services for the primary account and accounts of other card products associated with the target card product.

[0059] The following will introduce the specific processes of card activation, password modification and status change.

[0060] Optionally, based on the card activation application for the main account of the target card, the card activation business of the main account and the accounts of other card products associated with the target card product is completed, including: the intermediary business platform 230 receives the card activation application for the main account sent by the counter system 220; the intermediary business platform 230 sends the information contained in the card activation application for the main account to the bank core system 240, and initiates a card activation transaction for the main account to the bank core system 240, wherein the card activation of the main account includes customer information, a password set by the customer, and the main account of the financial card; after the bank core system 240 completes the card activation for the main account, the intermediary business platform 230 initiates card activation transactions for the accounts of each other card product to the bank core system 240 in turn, so that the bank core system 240 completes the card activation for the accounts of all card products in the financial card.

[0061] Specifically, step b1: the teller inputs the customer information, the password set by the customer, and the main account number in the IC card, and initiates a card activation application for the main account number to the intermediate business platform 230 through the counter system 220 .

[0062] Step b2: After receiving the request, the intermediary business platform 230 sends the field information transmitted by the counter system 220 to the bank core system 240, and initiates a card activation transaction for the primary account to the bank core system 240.

[0063] Step b3: After completing the card activation of the primary account, the bank core system 240 returns the success information to the intermediate business platform 230.

[0064] Step b4: After receiving the reply of successful card activation of the primary account, the intermediate business platform 230 searches the database 210 for the account information of other card products bound to the primary account, and then replaces the primary account with the financial account just found out, and initiates the pre-made card activation transaction to the bank core system 240 in turn;

[0065] Step b5: After completing the card activation for all accounts, the bank core system 240 returns the success information to the intermediate business platform 230. At this point, the teller initiates a card activation transaction, and the system completes the card activation services for all accounts in the card in turn.

[0066] Optionally, based on the password change application for the main account of the target card, the password change service of the main account and the accounts of other card products associated with the target card product is completed, including: the counter system 220 initiates a password change application for the main account to the bank core system 240 based on the old password and the new password of the main account, so that the bank core system 240 completes the password change service of the main account; after the bank core system 240 completes the password change for the main account, the counter system 220 initiates a query request for the account information of other card products to the intermediary business platform 230; after receiving the query request, the intermediary business platform 230 queries the account information of other card products that have not been used in the database 210 and returns it to the counter system 220; the counter initiates password change applications for the accounts of each other card product received to the bank core system 240 in turn, so that the bank core system 240 completes the password change service of the corresponding accounts of other card products.

[0067] Optionally, the password for the master account and the account of each other card product is the same, which is convenient for customer management and memory. In addition, the password for the master account and the account of each other card product is a password encrypted by combining the customer's input financial transaction password with a preset encryption feature value, which ensures the security of the password.

[0068] Step c1: The teller inputs the old password, new password and other necessary information for password modification of the primary account through the counter system 220 , and directly initiates a password modification transaction to the bank core system 240 .

[0069] Step c2: After completing the password modification of the primary account, the bank core system 240 returns a success message to the counter system 220 .

[0070] Step c3: After the counter system 220 receives the successful password modification of the primary account, the backend of the counter system 220 will automatically initiate an account information query application for other card products bound to the primary account to the intermediate business platform 230.

[0071] Step c4: After receiving the request, the intermediary business platform 230 queries the account information of other card products bound to the primary account from the database 210, selects one of the unused account information and returns it to the counter system 220, and marks the account as used.

[0072] Step c5: After the counter system 220 obtains the account number, it replaces the main account number in step c1 with the account number just returned by the business platform in the IC card, and then initiates the password modification of the account number to the bank core system 240.

[0073] Step c6: After completing the password modification of the account in the previous step, the bank core system 240 returns the success information to the counter system 220.

[0074] Step c7: Repeat steps c3 to c6 until there are no unused accounts in step c4. At this point, the teller initiates a password change transaction, and the system completes the password change services for all accounts in the card in turn.

[0075] Optionally, based on the status change application for the main account of the target card, the status change business of the main account and the accounts of other card products associated with the target card product is completed, including: the counter system 220 initiates a status change application for the main account to the bank core system 240 based on the card status change information of the main account, so that the bank core system 240 completes the status change business of the main account; after the bank core system 240 completes the status change business of the main account, the counter system 220 initiates a query request for the account information of other card products to the intermediate business platform 230; after receiving the query request, the intermediate business platform 230 queries the account information of other card products that have not been used in the database 210 and returns it to the counter system 220; the counter initiates status change applications for the accounts of each other card product received to the bank core system 240 in turn, so that the bank core system 240 completes the status change business of the corresponding accounts of other card products.

[0076] Optionally, the status change service includes at least one of reporting a card lost, unblocking a card, and canceling a card.

[0077] Step d1: The teller inputs the required information for changing the card status of the primary account through the counter system 220 and directly initiates a status change application for the primary account to the bank core system 240 .

[0078] Step d2: After completing the card status change of the primary account, the bank core system 240 returns a success message to the counter system 220 .

[0079] Step d3: After the counter system 220 receives notification that the status of the primary account has been successfully changed, the backend of the counter system 220 will automatically initiate an account information query request for other card products bound to the primary account to the intermediate business platform 230 .

[0080] Step d4: After receiving the request, the intermediary business platform 230 queries the account information of other card products bound to the primary account from the database 210, selects one of the unused account information and returns it to the counter system 220, and marks the account as used.

[0081] Step d5: After the counter system 220 obtains the account number, it replaces the main account number in step d1 with the account number just returned by the business platform in the IC card, and then initiates a card status change application for the account number to the bank core system 240.

[0082] Step d6: After completing the card status change of the account in the previous step, the bank core system 240 returns the success information to the counter system 220.

[0083] Step d7: Repeat steps d3 to d6 until there are no unused accounts in step d4. At this point, the teller initiates a card status change transaction, and the system completes all account status change services in the card in sequence.

[0084] The multi-account financial card management method provided by the present invention integrates the account information of multiple card products in one financial card. Multiple card products can be activated, reported lost, and unblocked at the same time. The customer and the teller only need to perform one business operation to complete the corresponding business for all accounts in the card at the same time, which reduces the difficulty of customer card management, reduces the cost of bank card issuance, reduces the time spent on business processing, and helps to improve customer experience.

[0085] Based on the same inventive concept, the embodiment of the present application provides an electronic device, such as Figure 3 As shown, the electronic device includes a processor and a memory.

[0086] The memory is configured to store machine-readable instructions, which, when executed by the processor, cause the processor to execute the method for evaluating and recommending teachers of a training institution provided in the above-mentioned embodiments of the present application.

[0087] The terminal devices in the embodiments of the present disclosure may include but are not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (personal digital assistants), PADs (tablet computers), PMPs (portable multimedia players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., as well as fixed terminals such as digital TVs, desktop computers, etc. Figure 3 The electronic device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present disclosure.

[0088] The electronic device includes: a memory and a processor, wherein the processor here may be referred to as the processing device 301 described below, and the memory may include at least one of the read-only memory (ROM) 302, the random access memory (RAM) 303, and the storage device 308 described below, as shown below:

[0089] like Figure 3As shown, the electronic device may include a processing device (e.g., a central processing unit, a graphics processing unit, etc.) 301, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 302 or a program loaded from a storage device 308 into a random access memory (RAM) 303. In RAM 303, various programs and data required for the operation of the electronic device are also stored. The processing device 301, ROM 302, and RAM 303 are connected to each other via a bus 304. An input / output (I / O) interface 305 is also connected to the bus 304.

[0090] Typically, the following devices may be connected to the I / O interface 305: input devices 306 including, for example, a touch screen, a touch pad, a keyboard, a mouse, a camera, a microphone, an accelerometer, a gyroscope, etc.; output devices 307 including, for example, a liquid crystal display (LCD), a speaker, a vibrator, etc.; storage devices 308 including, for example, a magnetic tape, a hard disk, etc.; and communication devices 309. The communication devices 309 may allow the electronic device to communicate with other devices wirelessly or by wire to exchange data. Although Figure 3 An electronic device having various devices is shown, but it should be understood that it is not required to implement or possess all the devices shown. More or fewer devices may be implemented or possessed instead.

[0091] In particular, according to an embodiment of the present disclosure, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present disclosure includes a computer program product, which includes a computer program carried on a non-transitory computer-readable medium, and the computer program contains program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication device 309, or installed from the storage device 308, or installed from the ROM 302. When the computer program is executed by the processing device 301, the above-mentioned functions defined in the method of the embodiment of the present disclosure are executed.

[0092] More specific examples of computer-readable storage media may include, but are not limited to, an electrical connection with one or more conductors, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present disclosure, a computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device.

[0093] The above-mentioned computer-readable medium carries one or more programs. When the above-mentioned one or more programs are executed by the electronic device, the electronic device: receives a selection operation of a user on any segment of multimedia information to be processed, the multimedia information to be processed includes at least two segments of multimedia information, determines a target multimedia information segment based on the selection operation, and when a trigger operation for the target multimedia information segment is received, determines a corresponding processing method, and performs corresponding processing on the target multimedia information segment based on the determined processing method.

[0094] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present disclosure. In this regard, each square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some implementations as replacements, the functions marked in the square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / or flow chart can be implemented with a dedicated hardware-based system that performs the specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0095] The modules or units involved in the embodiments described in the present disclosure may be implemented by software or hardware. The name of a module or unit does not limit the unit itself in some cases. For example, a receiving module may also be described as a "module for receiving a user's selection operation for any multimedia information to be processed."

[0096] In the context of the present disclosure, a machine-readable medium may be a tangible medium that may contain or store a program for use by or in conjunction with an instruction execution system, device, or equipment. A machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or equipment, or any suitable combination of the foregoing. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0097] The electronic device provided in the embodiment of the present application has the same inventive concept and the same beneficial effects as the embodiments described above. The contents not shown in detail in the electronic device can be referred to the embodiments described above and will not be repeated here.

[0098] Based on the same inventive concept, an embodiment of the present application provides a computer-readable storage medium on which a computer program is stored. When the program is executed by a processor, the evaluation and recommendation method for teachers of training institutions provided in the above embodiments of the present application is implemented.

[0099] The computer readable medium includes, but is not limited to, any type of disk (including floppy disk, hard disk, optical disk, CD-ROM, and magneto-optical disk), ROM, RAM, EPROM (Erasable Programmable Read-Only Memory), EEPROM, flash memory, magnetic card or optical card. In other words, the readable medium includes any medium that can store or transmit information in a readable form by a device (e.g., a computer).

[0100] The computer-readable storage medium provided in the embodiment of the present application has the same inventive concept and the same beneficial effects as the embodiments described above. The contents not shown in detail in the computer-readable storage medium can be referred to the embodiments described above and will not be repeated here.

[0101] Those skilled in the art will appreciate that the various operations, methods, steps, measures, and schemes in the processes discussed in this application may be alternated, altered, combined, or deleted. Further, other steps, measures, and schemes in the various operations, methods, and processes discussed in this application may also be alternated, altered, rearranged, decomposed, combined, or deleted. Further, the steps, measures, and schemes in the prior art that are similar to those disclosed in this application may also be alternated, altered, rearranged, decomposed, combined, or deleted.

[0102] The terms "first" and "second" are used for descriptive purposes only and should not be understood as indicating or implying relative importance or implicitly indicating the number of the indicated technical features. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of the features. In the description of this application, unless otherwise specified, "plurality" means two or more.

[0103] It should be understood that, although the steps in the flowchart of the accompanying drawings are displayed in sequence as indicated by the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least a part of the steps in the flowchart of the accompanying drawings may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily executed at the same time, but can be executed at different times, and their execution order is not necessarily sequential, but can be executed in turn or alternately with other steps or at least a part of the sub-steps or stages of other steps.

[0104] The above is only a partial implementation method of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A method for managing a multi-account financial card, characterized in that: include: Enter application parameters for all card products that can be integrated into the same financial card into the database; Based on a pre-made card application for a target card product, based on application parameters of the target card product and other card products associated with the target card product, account information for each card product is generated, The account information is used to complete the production of a multi-account financial card, wherein the account number of the target card product is the primary account number of the financial card; Based on at least one of the card activation application, password modification application, and status change application for the primary account of the target card, completing at least one of the card activation service, password modification service, and status change service for the primary account and accounts of other card products associated with the target card product; Based on the password modification application for the primary account of the target card, the password modification service of the primary account and accounts of other card products associated with the target card product is completed, including: The counter system initiates a password modification application for the master account to the bank core system based on the old password and the new password of the master account, so that the bank core system completes the password modification service for the master account; After the bank core system completes the password modification for the primary account, the counter system initiates a query request for account information of other card products to the intermediate business platform; After receiving the query request, the intermediate business platform searches the database for account information of other card products that have not been used and returns the information to the counter system, and marks the account as used; After the counter system obtains the account number, it replaces the main account number with the account number just returned by the business platform in the IC card. The counter then initiates password modification applications for the account numbers of each other card product received to the bank's core system in turn, so that the bank's core system completes the password modification services for the corresponding account numbers of other card products.

2. The management method according to claim 1, characterized in that: The generating of account information of each card product based on the pre-made card application for the target card product and the application parameters of the target card product and other card products associated with the target card product comprises: The intermediate business platform receives a pre-made card application for the target card product sent by the counter system, wherein the pre-made card application for the target card product is generated by the counter system based on user operations; The intermediate business platform initiates a pre-made card application for the target card product to the bank core system, and based on the application parameters of the target card product, determines the application parameters of other card products associated with the target card product in the database, and initiates a pre-made card application for each of the other card products to the bank core system; The bank core system generates account information of the target card product and other card products associated with the target card product and returns it to the intermediate business platform; The intermediate service platform enters the received account information of each card product into the database.

3. The management method according to claim 1, characterized in that: Based on the card activation application for the primary account of the target card, the card activation service of the primary account and accounts of other card products associated with the target card product is completed, including: The intermediary business platform receives the card activation application for the primary account sent by the counter system; The intermediate business platform sends the information included in the card activation application for the primary account to the bank core system, and initiates a card activation transaction for the primary account to the bank core system, wherein the card activation for the primary account includes customer information, a password set by the customer, and the primary account number of the financial card; After the bank core system completes the card activation for the primary account, the intermediary business platform initiates card activation transactions for the accounts of each of the other card products to the bank core system in turn, so that the bank core system completes the card activation for the accounts of all card products in the financial card.

4. The management method according to claim 1, characterized in that: The password of the master account is the same as the password of each other card product account, and is a password obtained by encrypting the combination of the customer's input financial transaction password and the preset encryption characteristic value.

5. The management method according to claim 1, characterized in that: Based on the status change application for the primary account of the target card, the service of completing the status change of the primary account and the accounts of other card products associated with the target card product includes: The counter system initiates a status change application for the primary account to the bank core system based on the card status change information of the primary account, so that the bank core system completes the status change service of the primary account; After the bank core system completes the status change of the primary account, the counter system initiates a query request for account information of other card products to the intermediate business platform; After receiving the query request, the intermediate service platform searches the database for account information of other card products that have not been used and returns the information to the counter system; The counter initiates status change applications for each received account number of other card products to the bank core system in turn, so that the bank core system completes the status change services of the corresponding account numbers of other card products.

6. The management method according to claim 1, characterized in that: The status change service includes at least one of reporting a card lost, unblocking a card, and canceling a card.

7. A multi-account financial card management system, characterized in that: include: A database for entering application parameters for all card products that can be integrated into the same financial card; The counter system, intermediary business platform and bank core system are used to complete the following steps: Based on the pre-made card application for the target card product, based on the application parameters of the target card product and other card products associated with the target card product, generating account information for each card product, the account information being used to complete the production of a multi-account financial card, wherein the account number of the target card product is the primary account number of the financial card; Based on at least one of the card activation application, password modification application, and status change application for the primary account of the target card, completing at least one of the card activation service, password modification service, and status change service for the primary account and accounts of other card products associated with the target card product; Based on the password modification application for the primary account of the target card, the password modification service of the primary account and accounts of other card products associated with the target card product is completed, including: The counter system initiates a password modification application for the master account to the bank core system based on the old password and the new password of the master account, so that the bank core system completes the password modification service for the master account; After the bank core system completes the password modification for the primary account, the counter system initiates a query request for account information of other card products to the intermediate business platform; After receiving the query request, the intermediate business platform searches the database for account information of other card products that have not been used and returns the information to the counter system, and marks the account as used; After the counter system obtains the account number, it replaces the main account number with the account number just returned by the business platform in the IC card. The counter then initiates password modification applications for the account numbers of each other card product received to the bank's core system in turn, so that the bank's core system completes the password modification services for the corresponding account numbers of other card products.

8. An electronic device, characterized in that: The invention is characterized by comprising: Processor; and A memory configured to store machine-readable instructions, wherein when the instructions are executed by the processor, the processor executes the method for managing a multi-account financial card as described in any one of claims 1-6.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method for managing a multi-account financial card as described in any one of claims 1 to 6 is implemented.

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