A business processing system and method

Abstract

This specification discloses a service processing system and method. After receiving a card application request sent by a user, the service platform can, according to the card application request, take the bank to which the bank card applied for by the user belongs as the target bank, and determine each business channel corresponding to the target bank under each bank's public service platform. Then, the service platform can send an account opening request to the target bank according to the identity information of the user carried in the card application request and the identification information of each business channel. After receiving the account opening completion message returned by the target bank, the service platform can, according to the bank card information carried in the account opening completion message, determine the bank card opened by the target bank for the user as the target bank card, and bind the target bank card with the user account of the user in the service platform according to the bank card information of the target bank card and at least one authorization protocol number corresponding to the target bank card, thereby improving the service processing efficiency.

Description

Technical Field

[0001] This specification relates to the field of computers, and particularly to a service processing system and method. Background Art

[0002] With the rapid development of information technology, online payment services are widely used in people's daily lives. Whether using online services or purchasing offline goods, people can conveniently make payments through such online payment services.

[0003] Currently, users can apply to open a bank card through a service platform and bind the opened bank card to the service platform. Subsequently, users can perform online payment and other services through the bound bank card on the service platform. In the prior art, after a user applies to open a bank card through a service platform, the service platform needs to send a request to the bank to open the bank card for the user (during which the user needs to be authenticated once). After the bank returns the bank card information of the opened bank card to the service platform, the service platform also needs to send a request to the bank through the service channel provided by the bank public service platform to bind the bank card to the service platform (during which the user needs to be authenticated again). Only after the bank agrees can the service platform bind the bank card. If the user needs to perform services (such as paying for an order) through the bank card on the service platform subsequently, the service platform also needs to send a payment request to the bank through the same service channel to enable the user to complete the payment. Summary of the Invention

[0004] This specification provides a service processing system and method for binding a user's bank card to the user's account on a service platform.

[0005] This specification adopts the following technical solutions:

[0006] This specification provides a service processing system, including: a service platform and at least one banking institution;

[0007] The business platform receives a card application request sent by a user. According to the card application request, the bank to which the bank card applied for by the user belongs is used as the target bank, and the respective service channels corresponding to the target bank under each bank public service platform are determined. According to the identity information of the user carried in the card application request and the identification information of the respective service channels, an account opening request is sent to the target bank. The business platform receives the account opening completion message returned by the target bank, and determines the bank card opened by the target bank for the user according to the bank card information carried in the account opening completion message as the target bank card. According to the bank card information of the target bank card carried in the account opening completion message and at least one authorization protocol number corresponding to the target bank card under the respective service channels, the target bank card is bound to the user account of the user in the business platform, so that the user can perform business processing in the business platform through the target bank card;

[0008] The banking institution receives the account opening request sent by the business platform, opens a bank card for the user according to the identity information of the user carried in the account opening request, and determines at least one authorization protocol number corresponding to the opened bank card for the user under the respective service channels according to the identification information of the respective service channels carried in the account opening request, and returns an account opening completion message carrying the bank card information of the opened bank card and the at least one authorization protocol number to the business platform.

[0009] Optionally, the business platform determines the service types supported by the bank card opened by the user in the target bank according to the card application request, and determines the respective service channels matching the service types under each bank public service platform of the target bank.

[0010] Optionally, the business processing system further includes: at least one bank public service platform;

[0011] The business platform receives a business request sent by the user, determines the service type of the business corresponding to the business request as the target type according to the business request, queries the authorization protocol number corresponding to the service channel matching the target type from at least one authorization protocol number corresponding to the target bank card under the respective service channels pre-stored, as the target protocol number, and sends the business data carried in the business request and the target protocol number to the target bank through the bank public service platform to execute the business corresponding to the business request;

[0012] The bank public service platform receives the business data and the target protocol number sent by the business platform and sends them to the target bank.

[0013] Optionally, the target bank card includes at least one of a Class II card and a Class III card.

[0014] Optionally, if the business platform determines that the bank card applied for by the user to be opened belongs to a Class II card or a Class III card according to the card application request, the business platform sends an account opening request to the target bank according to the bank card information of the Class I card opened by the user in the target bank, the identity information of the user, and the identification information of each business channel carried in the card application request.

[0015] The banking institution opens a bank card for the user according to the bank card information of the Class I card carried in the account opening request.

[0016] This specification provides a service processing method, including:

[0017] The business platform receives a card application request sent by a user.

[0018] According to the card application request, the bank to which the bank card applied for by the user to be opened belongs is used as the target bank, and each business channel corresponding to the target bank under each bank public service platform is determined.

[0019] According to the identity information of the user and the identification information of each business channel carried in the card application request, an account opening request is sent to the target bank, so that the target bank opens a bank card for the user according to the identity information of the user carried in the account opening request, and determines at least one authorization protocol number corresponding to the opened bank card of the user under each business channel according to the identification information of each business channel carried in the account opening request, and returns an account opening completion message carrying the bank card information of the opened bank card and the at least one authorization protocol number to the business platform.

[0020] Receive the account opening completion message returned by the target bank, and determine the bank card opened by the target bank for the user according to the bank card information carried in the account opening completion message as the target bank card.

[0021] According to the bank card information of the target bank card and the at least one authorization protocol number corresponding to the target bank card under each business channel carried in the account opening completion message, the target bank card is bound to the user account of the user in the business platform, so that the user can perform service processing in the business platform through the target bank card.

[0022] Optionally, determining each business channel corresponding to the target bank under each bank public service platform specifically includes:

[0023] Determine the service types supported by the bank card opened by the user at the target bank according to the card application request;

[0024] Determine each service channel of the target bank that matches the service type under each bank public service platform as each service channel corresponding to the target bank under each bank public service platform.

[0025] Optionally, the method further includes:

[0026] Receive a service request sent by the user;

[0027] Determine the service type of the service corresponding to the service request as the target type according to the service request;

[0028] Query the authorization protocol number corresponding to the service channel that matches the target type from at least one authorization protocol number corresponding to the target bank card under each service channel pre - saved as the target protocol number;

[0029] Send the service data carried in the service request and the target protocol number to the target bank through the bank public service platform to execute the service corresponding to the service request.

[0030] This specification provides a service processing device, including:

[0031] A receiving module, configured to receive a card application request sent by a user;

[0032] A first determination module, configured to use the bank to which the bank card applied for by the user belongs as the target bank according to the card application request, and determine each service channel corresponding to the target bank under each bank public service platform;

[0033] A sending module, configured to send an account opening request to the target bank according to the identity information of the user and the identification information of each service channel carried in the card application request, so that the target bank opens a bank card for the user according to the identity information carried in the account opening request, and determines at least one authorization protocol number corresponding to the opened bank card of the user under each service channel according to the identification information of each service channel carried in the account opening request, and returns an account opening completion message carrying the bank card information of the opened bank card and the at least one authorization protocol number to the device;

[0034] A second determination module, configured to receive the account opening completion message returned by the target bank, and determine the bank card opened by the target bank for the user as the target bank card according to the bank card information carried in the account opening completion message;

[0035] A binding module, configured to perform a service binding between the target bank card and the user account of the user in the device according to the bank card information of the target bank card carried in the account opening completion message and at least one authorization protocol number corresponding to the target bank card under each service channel, so that the user can perform service processing in the device through the target bank card.

[0036] This specification provides a computer-readable storage medium storing a computer program, which when executed by a processor implements the above service processing method.

[0037] This specification provides an electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor implements the above service processing method when executing the program.

[0038] The above at least one technical solution adopted in this specification can achieve the following beneficial effects:

[0039] As can be seen from the above system and method, after receiving the card application request sent by the user, the service platform can, according to the card application request, use the bank to which the bank card applied for by the user belongs as the target bank, and determine each service channel corresponding to the target bank under each bank public service platform. Then, the service platform can send an account opening request to the target bank according to the identity information of the user carried in the card application request and the identification information of each service channel. After receiving the account opening request, the target bank will open a bank card for the user according to the identity information of the user carried in the account opening request, and determine at least one authorization protocol number corresponding to the opened bank card for the user under each service channel according to the identification information of each service channel carried in the account opening request. The target bank returns an account opening completion message carrying the bank card information of the opened bank card and at least one authorization protocol number to the service platform.

[0040] After receiving the account opening completion message returned by the target bank, the service platform can determine the bank card opened by the target bank for the user as the target bank card according to the bank card information carried in the account opening completion message, and perform a service binding between the target bank card and the user account of the user in the service platform according to the bank card information of the target bank card carried in the account opening completion message and at least one authorization protocol number corresponding to the target bank card under each service channel, so that the user can perform service processing in the service platform through the target bank card.

[0041] As can be seen from the above system and method, when a user opens a bank card through a business platform, the business platform can directly request the bank to open a bank card for the user. After the bank card information of the opened bank card is returned to the business platform, the business platform can directly bind the bank card to the user's account in the business platform. Therefore, during the process of opening and binding a bank card for the user, the business platform only needs to authenticate the user once. Moreover, when the bank opens a bank card for the user, it generates the corresponding authorization protocol number for the bank card under each business channel (when the user conducts subsequent business processing, the business platform needs to interact with the bank through the business channel). Thus, when the user conducts business processing through the bank card in the business platform later, if a problem occurs in a certain business channel, the business platform can directly execute the user's business through other business channels, thereby improving the efficiency of binding the bank card for the user and ensuring the efficiency of processing business for the user. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] The drawings described herein are used to provide a further understanding of this specification, form a part of this specification, and the illustrative embodiments and descriptions thereof are used to explain this specification and shall not unduly limit this specification. In the drawings:

[0043] Figure 1 is a schematic structural diagram of a business processing system in this specification;

[0044] Figure 2 is a schematic diagram of a business platform requesting a bank to execute a business provided by this specification;

[0045] Figure 3 is a schematic diagram of a business processing device provided by this specification;

[0046] Figure 4 is a schematic diagram of an electronic device provided by this specification. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0047] To make the objectives, technical solutions, and advantages of this specification clearer, the technical solutions of this specification will be clearly and completely described below in conjunction with the specific embodiments of this specification and the corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of this specification, rather than all the embodiments. Based on the embodiments in this specification, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the scope of protection of this specification.

[0048] In the prior art, if a user applies to open a bank card on a business platform, the business platform can apply to the bank to open a bank card for the user. In this process, the user needs to be authenticated. If the user's authentication passes, the bank will open a bank card for the user and return the bank card information of the opened bank card to the business platform. After receiving the bank card information of the bank card, the business platform also needs to request the bank to bind the card for the user (i.e., bind the bank card with the user account of the user on the business platform) through the bank public service platform. In this process, the business platform needs to authenticate the user again. When the user's authentication passes, the bank will notify the business platform through the bank public service platform that the bank card can be bound.

[0049] It can be seen that in the prior art, the process of opening a bank card and binding the bank card requires authenticating the user twice. In addition, when the business platform binds the card for the user, it needs to send a request to the bank through a certain service channel provided by the bank public service platform. If the user needs to perform business processing through the same bank card subsequently, the business platform also needs to send a request for business processing through this bank card through this service channel. If there is a problem with this service channel, when the business platform needs to change to another service channel to perform the business, it will perform the above process of binding the bank card again, and in this process, the user needs to be authenticated again. In summary, the prior art method reduces the efficiency of binding the card for the user and brings inconvenience to the user.

[0050] To effectively solve the above problems, this specification provides a service processing system and method. When a user opens a bank card through the business platform, the business platform can directly request the bank to open a bank card for the user. If the bank card information of the opened bank card is returned to the business platform, the business platform can directly bind the bank card with the user's account on the business platform. Since the business platform directly interacts with the bank, in the process of opening a card and binding the card for the user, the business platform only needs to authenticate the user once. Moreover, when the bank opens a bank card for the user, it generates an authorization protocol number corresponding to the bank card under each service channel (when the user performs business processing subsequently, the business platform needs to interact with the bank through the service channel). Thus, when the user performs business processing through this bank card on the business platform subsequently, if a certain service channel has a problem, the business platform can directly execute the user's business through other service channels, thereby improving the efficiency of binding the card for the user. The service processing system and method in this specification will be described in detail below.

[0051] The following will describe in detail the technical solutions provided by each embodiment of this specification with reference to the accompanying drawings.

[0052] Figure 1This is a schematic diagram of the architecture of a service processing system in this specification, which specifically includes the following steps:

[0053] S101: The service platform receives a card application request sent by the user.

[0054] S102: Based on the card application request, the service platform takes the bank to which the bank card applied for by the user belongs as the target bank, and determines the respective service channels corresponding to the target bank under each bank's public service platform.

[0055] In this specification, the user can apply to the service platform to open a bank card through the terminal in hand or the application (APP) provided by the service platform installed in the terminal. After the user opens the bank card, the service platform can bind the bank card to the user account of the user in the service platform. In this way, the user can perform services such as payment through the bank card in the service platform.

[0056] Based on this, the service platform can receive the card application request sent by the user. That is, if the user applies to the service platform to open a bank card through the terminal or the APP, the service platform will receive the card application request from the user's terminal. After receiving the card application request, the service platform can determine the bank to which the bank card applied for by the user belongs as the target bank, and determine the respective service channels corresponding to the target bank under each bank's public service platform.

[0057] Among them, the bank public service platforms mentioned here can refer to platforms such as UnionPay and the Non-bank Payment Institution Network Payment and Clearing Platform (Network Union). The bank public service platforms can provide multiple service channels to the service platform. When the user needs to perform service processing in the service platform through the bank card, the service platform needs to request to perform service processing through the bank card from the bank to which the bank card belongs through a certain service channel provided by the bank public service platform. For example, if the user makes a payment in the service platform through the bank card, the service platform can send a request to conduct a transaction through the bank card to the bank to which the bank card belongs through a service channel to complete this payment service through the bank.

[0058] The business channels mentioned here refer to the channels through which the business platform transmits business data to the bank when users execute bank card-related operations on the business platform. The types of operations supported by different business channels may vary. For example, if a bank public service platform provides 3 business channels, where Channel 1 supports credit card repayment operations, Channel 2 supports large transaction operations, and Channel 3 supports ordinary transaction operations (such as small online shopping, bill payment, etc.), then the business data related to credit card repayment operations will only be sent to the bank through Channel 1, the business data related to large transaction operations will only be sent to the bank through Channel 2, and the business data related to ordinary transaction operations will only be sent to the bank through Channel 3.

[0059] In practical applications, the business channels corresponding to each bank may vary. Therefore, the business platform can determine the business channels corresponding to the target bank under each bank public service platform, that is, determine the business channels supported by the target bank. The business platform can pre-save the correspondence between each bank and each business channel (such as reflecting this correspondence in the form of a mapping table). Further, the business platform can determine the business channels corresponding to the target bank through this correspondence. The business platform can also determine the business channels corresponding to the target bank based on the channel costs corresponding to each business channel. The channel cost mentioned here refers to the cost consumed by executing operations through the business channel. If the target bank has multiple business channels with the same supported operation types under each bank public service platform, the business platform can determine the business channel with the lowest or relatively low channel cost as the business channels corresponding to the target bank. For example, assume that for a certain type of operation, the target bank has Channel 1 and Channel 2 corresponding to it under two bank public service platforms respectively. Among them, the channel cost corresponding to Channel 1 is lower than the channel cost corresponding to Channel 2. Then the business platform can determine that the business channel corresponding to the target bank is Channel 1.

[0060] In addition, since the services supported by different service channels may also vary, the service platform can also determine the service channel corresponding to the target bank according to the service types supported by the bank cards that the user needs to activate. Specifically, the service platform can determine the service types supported by the bank cards activated by the user at the target bank according to the above-mentioned card application request, and determine the service channels corresponding to each service type under each bank public service platform of the target bank as the service channels corresponding to the target bank. For example, if the bank card that the user needs to activate at the target bank belongs to a Class III card, since the daily consumption of a Class III card is restricted to not exceed a certain amount, and some service channels are only used for business scenarios with large consumption, the service platform should not use such service channels as the service channels corresponding to the target bank. The service platform can determine the service types supported by the Class III card, and then determine the service channels that can support these service types as the service channels corresponding to the target bank.

[0061] S103: The service platform sends an account opening request to the target bank according to the identity information of the user carried in the card application request and the identification information of each service channel.

[0062] S104: The banking institution opens a bank card for the user according to the identity information of the user carried in the account opening request.

[0063] S105: The banking institution determines at least one authorization protocol number corresponding to the bank card opened for the user under each service channel according to the identification information of each service channel carried in the account opening request.

[0064] After the service platform determines the service channels corresponding to the target bank under each bank public service platform, it can send an account opening request to the target bank according to the identity information of the user carried in the card application request and the identification information of the determined service channels. This account opening request is a request for the service platform to apply to the target bank to open a bank card for the user. The account opening request carries the identity information of the user and the identification information of the determined service channels. After receiving this account opening request, the target bank will open a bank card for the user according to the identity information carried in the account opening request. The identity information mentioned here includes the user's ID number, mobile phone number, name, etc.

[0065] In practical applications, if the bank card that the user needs to activate belongs to a Class II card or a Class III card, the bank needs to obtain the bank card number of the Class I card held by the user to activate the Class II card or Class III card for the user. Therefore, if the service platform determines that the bank card applied for activation by the user belongs to a Class II card or a Class III card based on the card application request, it can carry the bank card information (which can refer to the bank card number of the Class I card) of the Class I card activated by the user in the target bank, the user's identity information, and the identification information of each service channel in the account opening request and send it to the target bank. The target bank will activate the bank card for the user based on the bank card information of the Class I card and the user's identity information carried in the account opening request.

[0066] After the target bank activates the bank card for the user, it can determine at least one authorization protocol number corresponding to the activated bank card of the user under each service channel based on the identification information of each service channel carried in the account opening request. The target bank can return an account opening completion message carrying the bank card information of the activated bank card and at least one authorization protocol number to the service platform. The authorization protocol number mentioned here is used for the user to perform services such as payment in the service platform later. The service platform needs to send the authorization protocol number to the bank through the service channel. The bank can determine the bank card used by the user to perform the service based on the received authorization protocol number, and then complete the service execution through this bank card. After obtaining the authorization protocol number, the service platform can bind the bank card activated by the user for the service.

[0067] The above-mentioned target bank determines at least one authorization protocol number corresponding to the activated bank card of the user under each service channel, which means that the target bank determines the authorization protocol number corresponding to the bank card under each service channel for each service channel. In this way, if the user uses this bank card to perform services such as payment in the service platform, no matter which one of these service channels the service platform sends the authorization protocol number to the target bank later, the bank can perform the service based on the received authorization protocol number.

[0068] In this specification, the authorization protocol numbers corresponding to each service channel determined by the target bank can be randomly generated, or can be determined based on the user's identity information such as the ID number and mobile phone number, or the authorization protocol number can be obtained by combining the ID number with certain fixed numbers. In addition, the authorization protocol numbers corresponding to each service channel can be the same or different. Each service channel can correspond to one authorization protocol number, or each service channel can correspond to multiple authorization protocol numbers, that is, different service channels correspond to different authorization protocol numbers.

[0069] S106: The banking institution returns an account opening completion message carrying the bank card information of the activated bank card and the at least one authorization protocol number to the service platform.

[0070] S107: The service platform receives the account opening completion message returned by the target bank, and determines the bank card opened by the target bank for the user according to the bank card information carried in the account opening completion message, as the target bank card.

[0071] S108: The service platform binds the target bank card to the user account of the user in the service platform according to the bank card information of the target bank card carried in the account opening completion message and at least one authorization protocol number corresponding to the target bank card under each service channel, so that the user can perform service processing in the service platform through the target bank card.

[0072] After the target bank opens a bank card for the user and determines at least one authorization protocol number corresponding to the bank card under each service channel, it can return an account opening completion message carrying the bank card information of the opened bank card and the at least one authorization protocol number to the service platform.

[0073] After receiving the account opening completion message, the service platform can determine the bank card opened by the target bank for the user according to the bank card information carried in the account opening completion message, as the target bank card. The service platform can bind the target bank card to the user account of the user in the service platform according to the bank card information of the target bank card carried in the account opening completion message and at least one authorization protocol number corresponding to the target bank card under each service channel. Then, the user can perform service processing in the service platform through the target bank card. Among them, the target bank card opened by the user may include a Class II card, a Class III card, etc.

[0074] In practical applications, if the user needs to perform service processing through the target bank card, the user can send a service request to the service platform through a terminal or an APP. After receiving the service request sent by the user, the service platform can determine the service type corresponding to the service request as the target type according to the service request. Since the service types corresponding to different service channels are not all the same, the service platform needs to determine the service channel that can support the service type corresponding to the service request, so as to execute this service for the user through this service channel and the authorization protocol number corresponding to this service channel.

[0075] Based on this, the service platform can query the authorization protocol number corresponding to the service channel that matches the target type from at least one authorization protocol number corresponding to the target bank card under each service channel pre-saved, as the target protocol number. The service platform can send the service data carried in the service request and the target protocol number to the bank public service platform, and the bank public service platform can send the service data and the target protocol number to the target bank to execute the corresponding service through the target bank.

[0076] Among them, the service platform sends service data and a target protocol number to the target bank through the bank public service platform. Actually, it sends the service data and the target protocol number to the target bank through the service channel provided by the bank public service platform that matches the target type, as Figure 2 shown.

[0077] Figure 2 It is a schematic diagram of a service platform requesting a bank to execute a service provided in this specification.

[0078] From Figure 2 , it can be seen that the service channels corresponding to the target bank card are service channels 1 to 6. The target bank card corresponds to 6 authorization protocol numbers under service channels 1 to 6. When receiving a service request from a user to process a service using the target bank card (assuming the user makes a credit card repayment through the target bank card), the service platform can select from service channels 1 to 6 the service channels that can support the service of credit card repayment. Assume that the service platform determines service channels 2 and 4. The service platform can determine the authorization protocol number of the target bank card under service channel 2 (or service channel 4) as the target protocol number, and send service data such as the amount of the user's repayment and the authorization protocol number to the bank public service platform through this service channel 2 (or service channel 4), so that the bank public service platform sends the service data and the authorization protocol number to the target bank, thereby enabling the service platform to execute the user's credit card repayment service.

[0079] From the above system and method, it can be seen that when a user opens a bank card through the service platform, the service platform can directly request the bank to open the bank card for the user. After the bank card information of the opened bank card is returned to the service platform, the service platform can directly bind the bank card to the user's account in the service platform. Therefore, during the process of opening and binding a bank card for the user, the service platform only needs to authenticate the user once. And when the bank opens a bank card for the user, it generates the authorization protocol numbers corresponding to the bank card under each service channel (when the user conducts subsequent service processing, the service platform needs to interact with the bank through the service channel). Thus, when the user conducts service processing through this bank card in the service platform later, if a problem occurs in a certain service channel, the service platform can directly execute the user's service through other service channels, thereby improving the efficiency of binding the bank card for the user and ensuring the stability of processing services for the user.

[0080] The above is the service processing system and method provided by one or more embodiments of this specification. Based on the same idea, this specification also provides a corresponding service processing device, as Figure 3 shown.

[0081] Figure 3 A schematic diagram of a service processing device provided in this specification, specifically including:

[0082] A receiving module 301, configured to receive a card application request sent by a user;

[0083] A first determination module 302, configured to use the bank to which the bank card applied for by the user belongs as a target bank according to the card application request, and determine each service channel corresponding to the target bank under each bank public service platform;

[0084] A sending module 303, configured to send an account opening request to the target bank according to the identity information of the user carried in the card application request and the identification information of each service channel, so that the target bank opens a bank card for the user according to the identity information carried in the account opening request, and determines at least one authorization protocol number corresponding to the opened bank card of the user under each service channel according to the identification information of each service channel carried in the account opening request, and returns an account opening completion message carrying the bank card information of the opened bank card and the at least one authorization protocol number to the device;

[0085] A second determination module 304, configured to receive the account opening completion message returned by the target bank, and determine the bank card opened by the target bank for the user as a target bank card according to the bank card information carried in the account opening completion message;

[0086] A binding module 305, configured to perform service binding between the target bank card and the user account of the user in the device according to the bank card information of the target bank card carried in the account opening completion message and at least one authorization protocol number corresponding to the target bank card under each service channel, so that the user can perform service processing in the device through the target bank card.

[0087] Optionally, the first determination module 302 is specifically configured to determine the service types supported by the bank card opened by the user in the target bank according to the card application request; determine each service channel matching the service type under each bank public service platform as each service channel corresponding to the target bank under each bank public service platform.

[0088] Optionally, the device further includes:

[0089] An execution module 306 is configured to receive a service request sent by the user; determine, according to the service request, a service type of the service corresponding to the service request as a target type; query, from at least one authorization protocol number corresponding to the target bank card under each service channel pre-stored, an authorization protocol number corresponding to the service channel that matches the target type as a target protocol number; and send service data carried in the service request and the target protocol number to the target bank through a bank public service platform to execute the service corresponding to the service request.

[0090] Optionally, the target bank card includes at least one of a Class II card and a Class III card.

[0091] Optionally, the sending module 303 is specifically configured to, if it is determined according to the card application request that the bank card applied for by the user to be opened is a Class II card or a Class III card, send an account opening request to the target bank according to bank card information of a Class I card opened by the user in the target bank, identity information of the user, and identification information of each service channel carried in the card application request, so that the target bank opens a bank card for the user according to the bank card information of the Class I card carried in the account opening request.

[0092] This specification also provides a computer-readable storage medium storing a computer program, and the computer program can be used to execute the above service processing method.

[0093] This specification also provides Figure 4 a schematic structural diagram of the electronic device shown. As Figure 4 described above, at the hardware level, the electronic device includes a processor, an internal bus, a network interface, a memory, and a non-volatile memory. Of course, other hardware required for other services may also be included. The processor reads a corresponding computer program from the non-volatile memory into the memory and then runs it to implement the above service processing method. Of course, in addition to the software implementation method, this specification does not exclude other implementation methods, such as a logic device or a combination of software and hardware. That is to say, the execution subject of the following processing flow is not limited to each logic unit, and may also be hardware or a logic device.

[0094] In the 1990s, it was quite obvious to distinguish whether an improvement to a technology was an improvement in hardware (e.g., improvement to the circuit structures such as diodes, transistors, switches, etc.) or an improvement in software (improvement to the method flow). However, with the development of technology, many improvements to method flows today can be regarded as direct improvements to hardware circuit structures. Almost all designers obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that an improvement to a method flow cannot be implemented with a hardware entity module. For example, a Programmable Logic Device (PLD) (such as a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program by themselves to "integrate" a digital system on a piece of PLD without having to ask a chip manufacturer to design and fabricate a dedicated integrated circuit chip. Moreover, nowadays, instead of manually fabricating integrated circuit chips, this programming is mostly implemented using "logic compiler" software, which is similar to the software compiler used in program development and writing. The original code before compilation also has to be written in a specific programming language, which is called Hardware Description Language (HDL), and there is not only one kind of HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones currently are VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also be clear that as long as the method flow is slightly logically programmed with the above-mentioned several hardware description languages and programmed into the integrated circuit, it is easy to obtain the hardware circuit that implements the logical method flow.

[0095] The controller can be implemented in any suitable manner. For example, the controller can take the form of, for example, a microprocessor or a processor and a computer-readable medium storing computer-readable program code (such as software or firmware) executable by the (micro)processor, logic gates, switches, an application specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller. Examples of the controller include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320. The memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art also know that in addition to implementing the controller in the form of pure computer-readable program code, it is entirely possible to make the controller implement the same function in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, and embedded microcontrollers by logically programming the method steps. Therefore, such a controller can be considered a hardware component, and the devices included therein for implementing various functions can also be regarded as the structures within the hardware component. Or even, the devices for implementing various functions can be regarded as either software modules for implementing the method or the structures within the hardware component.

[0096] The systems, devices, modules, or units illustrated in the above embodiments can be specifically implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer can be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or any combination of these devices.

[0097] For the convenience of description, when describing the above devices, they are described separately as various units according to their functions. Of course, when implementing this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0098] Those skilled in the art should understand that the embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk memories, CD-ROMs, optical memories, etc.) containing computer-usable program code.

[0099] The present invention is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It should be understood that each flow and / or block in the flowchart illustrations and / or block diagrams, and combinations of flows and / or blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to the processors of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions executed by the processors of the computer or other programmable data processing apparatus create means for implementing the functions specified in the flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in multiple blocks or multiple blocks.

[0100] These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce a manufacture including instruction means that implement the functions specified in the flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in multiple blocks or multiple blocks.

[0101] These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus, such that a series of operational steps are performed on the computer or other programmable apparatus to produce a computer-implemented process, whereby the instructions executed on the computer or other programmable apparatus provide steps for implementing the functions specified in the flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in multiple blocks or multiple blocks.

[0102] In a typical configuration, a computing device includes one or more processors (CPUs), an input / output interface, a network interface, and memory.

[0103] The memory may include non-permanent memory in the form of computer-readable media, random access memory (RAM), and / or non-volatile memory, such as read-only memory (ROM) or flash memory. The memory is an example of computer-readable media.

[0104] A computer-readable medium includes both permanent and non-permanent, removable and non-removable media and can implement information storage by any method or technology. The information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transitory medium that can be used to store information accessible by a computing device. As defined herein, a computer-readable medium does not include transitory computer-readable media, such as modulated data signals and carrier waves.

[0105] It should also be noted that the term "comprising", "including" or any other variant thereof is intended to cover a non-exclusive inclusion, such that a process, method, commodity or device comprising a series of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such process, method, commodity or device. Without further limitation, an element defined by the statement "comprising an..." does not exclude the presence of additional identical elements in the process, method, commodity or device comprising the element.

[0106] Those skilled in the art should understand that the embodiments of this specification can be provided as a method, a system, or a computer program product. Therefore, this specification can take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Moreover, this specification can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0107] This specification can be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. This specification can also be practiced in a distributed computing environment where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

[0108] Each embodiment in this specification is described in a progressive manner. For the same or similar parts among the embodiments, reference can be made to each other. Each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and for the relevant parts, reference can be made to the corresponding description in the method embodiment.

[0109] The above description is only for the embodiments of this specification and is not intended to limit this specification. For those skilled in the art, various modifications and changes can be made to this specification. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this specification shall be included within the scope of the claims of this specification.

Claims

1. A business processing system, characterized in that, it includes: a business platform and at least one banking institution; The business platform receives a credit card application request sent by a user, and based on the credit card application request, takes the bank to which the bank card applied for by the user belongs as the target bank, determines the respective service channels corresponding to the target bank under each bank public service platform, and based on the identity information of the user carried in the credit card application request and the identification information of the respective service channels, sends an account opening request to the target bank, receives an account opening completion message returned by the target bank, and based on the bank card information carried in the account opening completion message, determines the bank card opened by the target bank for the user as the target bank card. Based on the bank card information of the target bank card carried in the account opening completion message and at least one authorization protocol number corresponding to the target bank card under the respective service channels, binds the target bank card to the user account of the user in the business platform, so that the user can perform business processing in the business platform through the target bank card; The banking institution receives the account opening request sent by the business platform, opens a bank card for the user based on the identity information of the user carried in the account opening request, and determines at least one authorization protocol number corresponding to the opened bank card for the user under the respective service channels based on the identification information of the respective service channels carried in the account opening request, and returns an account opening completion message carrying the bank card information of the opened bank card and the at least one authorization protocol number to the business platform; The business processing system further includes: at least one bank public service platform; The business platform receives a business request sent by the user, and based on the business request, determines the business type of the business corresponding to the business request as the target type, queries the authorization protocol number corresponding to the service channel that matches the target type from at least one authorization protocol number corresponding to the target bank card under the respective service channels pre-stored, takes it as the target protocol number, and sends the business data carried in the business request and the target protocol number to the target bank through the bank public service platform to execute the business corresponding to the business request; The bank public service platform receives the business data and the target protocol number sent by the business platform and sends them to the target bank.

2. The system according to claim 1, characterized in that, The business platform determines the service types supported by the bank card opened by the user at the target bank based on the credit card application request, and determines the respective service channels corresponding to the service types that match the target bank under each bank public service platform.

3. The system according to any one of claims 1 or 2, characterized in that, The target bank card includes at least one of a Class II card and a Class III card.

4. The system according to claim 3, characterized in that, For the said business platform, if it is determined according to the card application request that the bank card applied for by the user to be opened is a Class II card or a Class III card, an account opening request is sent to the target bank according to the bank card information of the Class I card opened by the user carried in the card application request, the identity information of the user, and the identification information of each business channel. The said banking institution opens a bank card for the user according to the bank card information of the Class I card carried in the account opening request.

5. A business processing method, characterized in that, it includes: The business platform receives a card application request sent by a user; According to the card application request, the bank to which the bank card applied for by the user belongs is used as the target bank, and each business channel corresponding to the target bank under each bank public service platform is determined; According to the identity information of the user and the identification information of each business channel carried in the card application request, an account opening request is sent to the target bank, so that the target bank opens a bank card for the user according to the identity information of the user carried in the account opening request, and according to the identification information of each business channel carried in the account opening request, determines at least one authorization protocol number corresponding to the opened bank card of the user under each business channel, and returns an account opening completion message carrying the bank card information of the opened bank card and the at least one authorization protocol number to the business platform; Receive the account opening completion message returned by the target bank, and determine the bank card opened by the target bank for the user according to the bank card information carried in the account opening completion message as the target bank card; According to the bank card information of the target bank card carried in the account opening completion message and the at least one authorization protocol number corresponding to the target bank card under each business channel, the target bank card is bound to the user account of the user in the business platform, so that the user can perform business processing in the business platform through the target bank card; The said method further includes: Receive a business request sent by the user; According to the business request, determine the business type of the business corresponding to the business request as the target type; Query, from the at least one authorization protocol number corresponding to the target bank card under each business channel pre-stored, the authorization protocol number corresponding to the business channel matching the target type as the target protocol number; Send the business data carried in the business request and the target protocol number to the target bank through the bank public service platform to execute the business corresponding to the business request.

6. The method according to claim 5, characterized in that, Determining each business channel corresponding to the target bank under each bank public service platform specifically includes: According to the card application request, determine the business types supported by the bank card opened by the user in the target bank; Determine each business channel matching the business type under each bank public service platform of the target bank as each business channel corresponding to the target bank under each bank public service platform.

7. A business processing device, It is characterized in that it includes: a receiving module, configured to receive a credit card application request sent by a user; a first determination module, configured to, according to the credit card application request, use the bank to which the bank card applied to be opened by the user belongs as a target bank, and determine each service channel corresponding to the target bank under each bank public service platform; a sending module, configured to, according to the identity information of the user carried in the credit card application request and the identification information of each service channel, send an account opening request to the target bank, so that the target bank opens a bank card for the user according to the identity information of the user carried in the account opening request, and determines at least one authorization protocol number corresponding to the opened bank card of the user under each service channel according to the identification information of each service channel carried in the account opening request, and returns an account opening completion message carrying the bank card information of the opened bank card and the at least one authorization protocol number to the device; a second determination module, configured to receive the account opening completion message returned by the target bank, and determine the bank card opened by the target bank for the user as a target bank card according to the bank card information carried in the account opening completion message; a binding module, configured to, according to the bank card information of the target bank card carried in the account opening completion message and the at least one authorization protocol number corresponding to the target bank card under each service channel, perform service binding on the target bank card and the user account of the user in the device, so that the user can perform service processing in the device through the target bank card; the receiving module is further configured to receive a service request sent by the user; a third determination module, configured to determine the service type of the service corresponding to the service request as a target type according to the service request; query, from at least one authorization protocol number corresponding to the target bank card under each service channel pre-stored, an authorization protocol number corresponding to the service channel matching the target type as a target protocol number; the sending module is further configured to send the service data carried in the service request and the target protocol number to the target bank through the bank public service platform to execute the service corresponding to the service request.

8. A computer-readable storage medium It is characterized in that the storage medium stores a computer program, and when the computer program is executed by a processor, the method described in claim 5 or 6 above is implemented.

9. An electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, It is characterized in that when the processor executes the program, the method described in claim 5 or 6 above is implemented.

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