Bank card business processing method, device, equipment, medium and program product

Abstract

The present application relates to the field of mobile internet technology in the financial sector, and in particular to a bank card business processing method, apparatus, device, medium, and program product. The method comprises: receiving a target bank card number sent by a bank counter terminal; the target bank card number is obtained by the bank counter terminal based on user information in a bank card loss report request; determining a new bank card from printed bank cards and obtaining a first bank card identifier set on the new bank card; binding the first bank card identifier to the target bank card number, and processing business based on the new bank card. This method enables processing business based on the determined new bank card, avoiding the impact on business processing of the reported lost bank card when a lost bank card is reported and a replacement card is requested.

Description

Technical Field

[0001] The present application relates to the field of mobile Internet technology in the financial field, and in particular to a bank card business processing method, device, equipment, medium and program product. Background Art

[0002] With the development of mobile Internet technology, when financial institutions issue bank cards, they usually pre-assign bank card numbers in batches to the card-making terminals through Internet communication between the bank host and the card-making terminals. When printing bank cards in batches, the card-making terminals print the bank card numbers on the card faces, or pre-store the bank card numbers in the magnetic stripe or built-in chip of the bank card.

[0003] However, in the traditional card making method, when a bank card is lost and a replacement card is required, the business processing of the reported lost bank card will be affected. Summary of the Invention

[0004] Based on this, it is necessary to provide a bank card business processing method, device, equipment, medium and program product to address the above technical problems, which can ensure that the business processing of the lost bank card is not affected when the bank card is lost and a replacement card is issued.

[0005] In a first aspect, the present application provides a bank card business processing method, the method comprising:

[0006] Receiving a target bank card number sent by a bank counter terminal; the target bank card number is obtained by the bank counter terminal based on the user information in the bank card loss report request;

[0007] Determining a new bank card from the printed bank cards, and obtaining a first bank card identifier set on the new bank card;

[0008] The first bank card identifier is bound to the target bank card number, and business is processed based on the new bank card.

[0009] In one embodiment, binding the first bank card identifier with the target bank card number includes:

[0010] Determining a second bank card identifier of the target bank card number based on a correspondence between the bank card number and the bank card identifier; the second bank card identifier is an identifier set on the bank card that has been reported lost;

[0011] In the corresponding relationship, the second bank card identifier is replaced with the first bank card identifier to bind the first bank card identifier to the target bank card number.

[0012] In one embodiment, the method further comprises:

[0013] Generate a bank card identifier set and a bank card number set;

[0014] Each bank card identifier in the bank card identifier set is sent to a card making terminal, so that the card making terminal prints each bank card identifier on the card surface when printing the bank card, and / or stores each bank card identifier in a storage space of the bank card.

[0015] In one embodiment, the method further comprises:

[0016] Receiving a card activation request sent by a bank counter terminal; the card activation request includes the bank card identifier to be activated;

[0017] Obtaining the bank card number to be activated from the bank card number set according to the card activation request;

[0018] A correspondence table between the bank card identifier of the card to be opened and the bank card number of the card to be opened is established to implement the card opening operation.

[0019] In one embodiment, binding the first bank card identifier to the target bank card number and processing a transaction based on the new bank card includes:

[0020] Binding the first bank card identifier to the target bank card number to obtain a correspondence between the first bank card identifier and the target bank card number;

[0021] The correspondence between the first bank card identifier and the target bank card number is sent to the bank counter terminal, so that the bank counter terminal processes business based on the correspondence between the first bank card identifier and the target bank card number.

[0022] In one embodiment, the identification of the bank card to be issued is obtained by the bank counter terminal scanning the identification code on the bank card to be issued, or by reading the storage space of the bank card to be issued.

[0023] In a second aspect, the present application provides a bank card business processing method, the method comprising:

[0024] receiving a bank card loss reporting request, wherein the bank card loss reporting request includes user information;

[0025] Obtaining a target bank card number based on the user information;

[0026] The target bank card number is sent to a bank host, so that the bank host determines a new bank card from printed bank cards, obtains a first bank card identifier set on the new bank card, binds the first bank card identifier to the target bank card number, and processes transactions based on the new bank card.

[0027] In one embodiment, the method further comprises:

[0028] Upon receiving a business processing request, verify the identity of the user corresponding to the business processing request through biometric technology;

[0029] When the identity verification of the user is passed, scanning the identification code on the bank card held by the user to obtain the bank card identification of the bank card held by the user;

[0030] Sending the bank card identifier of the bank card held by the user to the bank host, and receiving the bank card number of the bank card held by the user sent by the bank host; wherein the bank card number of the bank card held by the user is determined by the bank host based on the correspondence between the bank card identifier, bank card number and bank card identifier of the bank card held by the user;

[0031] Processing services based on the bank card number of the bank card held by the user.

[0032] In a third aspect, the present application further provides a bank card business processing device, the device comprising:

[0033] A receiving module, configured to receive a target bank card number sent by a bank counter terminal; the target bank card number is obtained by the bank counter terminal based on user information in a bank card loss report request;

[0034] a first acquiring module, configured to determine a new bank card from printed bank cards and acquire a first bank card identifier set on the new bank card;

[0035] The processing module is used to bind the first bank card identifier with the target bank card number and process business based on the new bank card.

[0036] In a fourth aspect, the present application further provides a bank card business processing device, the device comprising:

[0037] A first receiving module is configured to receive a bank card loss reporting request, wherein the bank card loss reporting request includes user information;

[0038] An acquisition module, configured to acquire a target bank card number based on the user information;

[0039] The sending module is used to send the target bank card number to the bank host, so that the bank host can determine the new bank card from the printed bank cards, obtain the first bank card identifier set on the new bank card, bind the first bank card identifier with the target bank card number, and process transactions based on the new bank card.

[0040] In a fifth aspect, the present application further provides a computer device, comprising a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the method described in the first aspect when executing the computer program.

[0041] In a sixth aspect, the present application further provides a terminal, wherein the computer device includes a memory and a processor, the memory stores a computer program, and the processor implements the steps of the method described in the second aspect above when executing the computer program.

[0042] In a seventh aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the method described in the first and second aspects above.

[0043] In an eighth aspect, the present application further provides a computer program product, comprising a computer program that, when executed by a processor, implements the steps of the method described in the first and second aspects.

[0044] In the above-mentioned bank card business processing method, device, equipment, medium and program product, the target bank card number is obtained by the bank counter terminal based on the user information in the loss report request. That is to say, when the bank card corresponding to the target bank card number is reported lost, a new bank card is determined from the printed bank cards, and the first bank card identifier set on the new bank card is obtained, and the first bank card identifier is bound to the target bank card number sent by the bank terminal. In this way, the bank card number corresponding to the new bank card determined is still the original card number and has not changed, and there is no need to reprint the bank card, so that business can be quickly processed based on the determined new bank card, avoiding the situation where the business processing of the reported lost bank card is affected when the bank card is lost and a replacement card is reported. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] Figure 1 This is an application environment diagram of a bank card business processing method in one embodiment;

[0046] Figure 2 1 is a flow chart of a bank card business processing method in one embodiment;

[0047] Figure 3Schematic diagram of a bank card business processing method according to another embodiment;

[0048] Figure 4 Schematic diagram of a bank card business processing method according to another embodiment;

[0049] Figure 5 Schematic diagram of a bank card business processing method according to another embodiment;

[0050] Figure 6 Schematic diagram of a bank card business processing method according to another embodiment;

[0051] Figure 7 1 is a flow chart of a bank card business processing method in one embodiment;

[0052] Figure 8 Schematic diagram of a bank card business processing method according to another embodiment;

[0053] Figure 9 is a structural block diagram of a bank card business processing device in one embodiment;

[0054] Figure 10 is a structural block diagram of a bank card business processing device in one embodiment;

[0055] Figure 11 is a diagram of the internal structure of a computer device in one embodiment;

[0056] Figure 12 FIG. 4 is a diagram showing the internal structure of a terminal in an embodiment. DETAILED DESCRIPTION

[0057] In order to make the purpose, technical solutions and advantages of this application more clear, the following further describes this application in detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain this application and are not intended to limit this application.

[0058] The bank card service processing method provided in the embodiment of the present application can be applied to Figure 1 In the application environment shown, a bank counter terminal 102 and a card issuing terminal 104 communicate with a bank host 106 via a network. A data storage system can store data that the bank host 106 needs to process. The data storage system can be integrated with the bank host 106. The bank counter terminal 102 and the card issuing terminal 104 can be, but are not limited to, various personal computers, laptops, smartphones, and tablet computers. The bank host 106 can be implemented as a standalone server or a server cluster consisting of multiple servers.

[0059] It should be noted that the bank card business processing method, device, equipment, medium and program product disclosed in the present invention can be used in the field of mobile Internet technology in the financial field, and can also be used in the field of mobile Internet technology in any field other than the financial field. The application field of the bank card business processing method, device, equipment, medium and program product disclosed in the present invention is not limited.

[0060] In one embodiment, Figure 2 As shown, a bank card business processing method is provided, which is applied to Figure 1 The bank host in the example is used to illustrate the process, including the following steps:

[0061] S201, receiving a target bank card number sent by a bank counter terminal; the target bank card number is obtained by the bank counter terminal according to user information in a bank card loss report request.

[0062] Among them, the target bank card number is obtained by the bank counter terminal based on the user information in the loss report request when the bank counter terminal receives the bank card loss report request sent by the user. Optionally, the user information in the bank card loss report request may include at least one of the user's identity information, the user's fingerprint information, and the user's facial feature information. Optionally, the above-mentioned bank counter terminal can be a counter terminal set up at any bank branch. Optionally, the target bank card number sent by the bank counter terminal and received by the bank host can be an encrypted bank card number, and the bank host can decrypt the encrypted bank card number to obtain the above-mentioned target bank card number. Optionally, the bank counter terminal and the bank host can communicate through a 5G network, or can also communicate through a 4G network, which is not limited in this embodiment.

[0063] S202: Determine a new bank card from the printed bank cards, and obtain a first bank card identifier set on the new bank card.

[0064] It should be noted that the printed bank card in this embodiment refers to a bank card that has been printed by a card making terminal but has not been opened. Optionally, the bank card identifier set on the bank card can be a bank card ID, such as 5123456, or the bank card identifier can also be other identifiers that can be used to characterize a bank card, such as a bank card serial number. Optionally, a web link containing the bank's domain name can also be pre-placed in the bank card identifier, so that the card number, account name, account opening branch and other information can be quickly displayed through website call technology (verification links such as verification codes can be added if necessary). Specifically, the bank host can determine any one of the above-mentioned printed bank cards as a new bank card and obtain the first bank card identifier set on the new bank card. Optionally, the bank host can obtain the first bank card identifier set on the new bank card by reading the above-mentioned new bank card. It should be noted here that the printed bank card is only provided with a bank card identifier, and the bank card number information is not provided. Optionally, the bank card identifier can be printed on the bank card surface, or stored in the bank card storage space, such as the bank card storage chip, the bank card storage magnetic stripe, etc. Alternatively, an identification code can be generated for the bank card identifier and the identification code can be printed on the bank card surface.

[0065] S203: Bind the first bank card identifier to the target bank card number, and process transactions based on the new bank card.

[0066] Optionally, the bank host can establish a correspondence between the first bank card identifier and the target bank card number to bind the first bank card identifier to the target bank card number, and process services based on the new bank card. Optionally, the services processed based on the new bank card can be transfer services, remittance services, and the like. It will be understood that after binding the bank card identifier to the bank card number, the bank card identifier and the bank card number will have a one-to-one correspondence, that is, the first bank card identifier will only correspond to the target bank card number.

[0067] In the above-mentioned bank card business processing method, the target bank card number is obtained by the bank counter terminal based on the user information in the loss report request. That is to say, when the bank card corresponding to the target bank card number is reported lost, a new bank card is determined from the printed bank cards, and the first bank card identifier set on the new bank card is obtained, and the first bank card identifier is bound to the target bank card number sent by the bank terminal. In this way, the bank card number corresponding to the new bank card determined is still the original card number and has not changed, and there is no need to reprint the bank card, so that business can be quickly processed based on the determined new bank card, avoiding the situation where the business processing of the reported lost bank card is affected when the bank card is lost and a replacement card is required.

[0068] Furthermore, in one embodiment, Figure 3As shown, the above S203 includes:

[0069] S301, determining a second bank card identifier of a target bank card number based on a correspondence between a bank card number and a bank card identifier; the second bank card identifier is an identifier set on a bank card that has been reported lost.

[0070] Specifically, there is a one-to-one correspondence between bank card numbers and bank card identifiers, with one bank card number corresponding to one bank card identifier. The bank host can determine the second bank card identifier for the target bank card number based on the pre-established correspondence between bank card numbers and bank card identifiers. It will be appreciated that if the target bank card number corresponds to a bank card that has been reported lost, the second bank card identifier determined above is the identifier set on the reported lost bank card. Alternatively, the bank host can locate the second bank card identifier for the target bank card number in a pre-established correspondence between bank card numbers and bank identifiers through a table lookup.

[0071] S302: Replace the second bank card identifier with the first bank card identifier in the corresponding relationship to bind the first bank card identifier to the target bank card number.

[0072] Specifically, the bank host uses the above-mentioned first bank card identifier to replace the second bank card identifier of the target bank card number in the correspondence between the bank card number and the bank card identifier, so as to bind the above-mentioned first bank card identifier with the above-mentioned target bank card number, that is, to establish a one-to-one correspondence between the above-mentioned first bank card identifier and the above-mentioned target bank card number, so that the above-mentioned first bank card identifier corresponds to the above-mentioned target bank card number.

[0073] In this embodiment, the bank host can accurately determine the second bank card identifier set on the reported lost bank card based on the correspondence between the bank card number and the bank card identifier, so that the first bank card identifier set on the new bank card can be accurately used to replace the second bank card identifier set on the reported lost bank card in the correspondence between the bank card number and the bank card identifier, so as to bind the first bank card identifier set on the new bank card with the target bank card number, thereby realizing the replacement of the reported lost bank card without changing the number, ensuring that business can be processed quickly based on the determined new bank card, and avoiding the impact on business processing of the reported lost bank card when the bank card is lost and a replacement card is required.

[0074] In the above scenario of determining a new bank card from the printed bank cards, the bank card needs to be printed first. Based on the above embodiment, in one embodiment, Figure 4 As shown, the above method also includes:

[0075] S401: Generate a bank card identification set and a bank card number set.

[0076] Specifically, the bank host generates bank card identifiers and bank card numbers in batches, obtaining a bank card identifier set and a bank card number set. The number of bank card identifiers in the generated bank identifier set is the same as the number of bank card numbers in the generated bank card number set. For example, if the generated bank card identifier set includes 50 bank card identifiers, the generated bank card number set also includes 50 bank card numbers. Optionally, the bank host may store the generated bank card number set in its own database for storage.

[0077] S402: Send each bank card identifier in the bank card identifier set to a card making terminal, so that the card making terminal prints each bank card identifier on the card surface when printing the bank card, and / or stores each bank card identifier in a storage space of the bank card.

[0078] Specifically, the bank host sends each bank card identifier in the generated bank card identifier set to the card-making terminal, so that the card-making terminal prints the above-mentioned bank card identifiers on the card surface of the bank card when printing the bank card, and / or stores each bank card identifier in the storage space of the bank card. Optionally, the storage space of the bank card can be a memory chip of the bank card, or a storage magnetic stripe of the bank card. Optionally, when the bank host sends each bank card identifier in the bank card identifier set to the card-making terminal, it can package each bank card identifier in the bank card identifier set and send the packaged bank card identifiers to the card-making terminal. Optionally, the bank host can send each bank card identifier in the generated bank card identifier set to the card-making terminal at a preset time interval, or it can send each bank card identifier in the generated bank card identifier set to the card-making terminal in real time.

[0079] In this embodiment, the bank host sends each bank card identifier in the generated bank card identifier set to the card-making terminal, so that the card-making terminal prints each bank card identifier on the card surface of the bank card when printing the bank card, and / or stores each bank card identifier in the storage space of the bank card, thereby achieving physical separation of the bank card number and the bank card, so that the card-making terminal prints each bank card identifier on the card surface of the bank card when printing the bank card, and / or stores each bank card identifier in the storage space of the bank card, does not print the bank card number and separates the bank card number from the bank card, thereby enhancing the security of bank card use and greatly reducing the risk of bank card cloning and theft.

[0080] In some scenarios, it is also necessary to activate the bank card printed by the card making terminal. Based on the above embodiment, in one embodiment, as shown in FIG. Figure 5 As shown, the above method also includes:

[0081] S501, receiving a card activation request sent by a bank counter terminal; the card activation request includes the bank card identifier to be activated.

[0082] Specifically, the bank host receives a card activation request sent by the bank counter terminal via network communication with the bank counter terminal. The card activation request includes an identifier of the bank card to be activated. Optionally, the identifier of the bank card to be activated included in the card activation request may be one or more. In other words, the bank host may activate a bank card corresponding to one bank card identifier or simultaneously activate bank cards corresponding to multiple bank card identifiers. Optionally, the bank host may receive the card activation request sent by the bank counter terminal in real time or at regular intervals. Optionally, in this embodiment, the identifier of the bank card to be activated included in the card activation request may be obtained by the bank counter terminal scanning an identification code on the bank card to be activated, or by reading a storage space of the bank card to be activated, such as a memory chip or a magnetic stripe.

[0083] S502: Obtain the bank card number to be activated from the bank card number set according to the card activation request.

[0084] Specifically, based on the card activation request, the bank host determines any bank card number from the generated set of bank card numbers as the bank card number to be activated. For example, if the card activation request includes a bank card identifier to be activated, the bank host randomly selects a bank card number from the generated set of bank card numbers as the bank card number to be activated. If the card activation request includes three bank card identifiers to be activated, the bank host randomly selects three bank card numbers from the generated set of bank card numbers as the bank card numbers to be activated, and there is no duplication among the three selected bank card numbers.

[0085] S503: Create a correspondence table between the bank card identifier to be activated and the bank card number to be activated to implement the card activation operation.

[0086] Specifically, after the bank host obtains the bank card number to be activated from the above-mentioned bank card number set, it establishes a correspondence table between the bank card identifier to be activated and the obtained bank card number to be activated to implement the card activation operation. That is to say, a correspondence is established between the bank card identifier to be activated and the bank card number to be activated. After binding the bank card identifier to be activated and the bank card number to be activated, the card activation operation of the bank card to be activated is implemented.

[0087] In this embodiment, when the bank host receives a card activation request sent by the bank counter terminal, it obtains the bank card number to be activated from the bank card number set according to the card activation request, thereby establishing a correspondence table between the bank card identifier to be activated and the bank card number to be activated included in the card activation request, and realizing the card activation operation of the bank card to be activated. In this process, the bank card number and the bank card are separated. Only after the correspondence table between the bank card identifier to be activated and the bank card number to be activated is established, the card activation operation of the bank card to be activated is realized, thereby ensuring the security of the card activation operation of the bank card to be activated.

[0088] In the above scenario of binding the first bank card identifier with the target bank card number and processing business based on the new bank card, in one embodiment, Figure 6 As shown, the above S203 includes:

[0089] S601: Bind the first bank card identifier to the target bank card number to obtain a corresponding relationship between the first bank card identifier and the target bank card number.

[0090] Specifically, the bank card identifier and the bank card number have a one-to-one correspondence. The bank host can establish a correspondence table between the bank card identifier and the bank card number to indicate the correspondence between the bank card identifier and the bank card number. In this embodiment, after the bank host binds the above-mentioned first bank card identifier with the target bank card number, the first bank card identifier and the target bank card number correspond to each other. Thus, the bank host can obtain the correspondence between the first bank card identifier and the target bank card number.

[0091] S602: Send the correspondence between the first bank card identifier and the target bank card number to the bank counter terminal, so that the bank counter terminal processes the business based on the correspondence between the first bank card identifier and the target bank card number.

[0092] Specifically, the bank host sends the correspondence between the first bank card identifier and the target bank card number obtained above to the bank counter terminal through network communication with the bank counter terminal, so that the bank terminal can handle business based on the determined correspondence between the first bank card identifier and the target bank card number. For example, the bank terminal can use the first bank card identifier to find the target bank card number in the correspondence between the first bank card identifier and the target bank card number, and thus handle transfer and remittance and other services corresponding to the target bank card number.

[0093] In this embodiment, the bank host binds the first bank card identifier with the target bank card number, and can accurately obtain the correspondence between the first bank card identifier and the target bank card number, so that the correspondence between the first bank card identifier and the target bank card number can be sent to the bank counter terminal, so that the bank counter terminal can handle business based on the correspondence between the first bank card identifier and the target bank card number, thereby realizing the replacement of the lost bank card without changing the number, ensuring that business can be handled quickly based on the determined new bank card, and avoiding the situation where the business handling of the reported lost bank card is affected when the bank card is lost and a replacement card is required.

[0094] In one embodiment, Figure 7 As shown, a bank card business processing method is provided, which is applied to Figure 1 The bank counter terminal in the example is used to illustrate, including the following steps:

[0095] S701, receiving a bank card loss report request; the bank card loss report request includes user information.

[0096] Specifically, when a user needs to report a lost bank card, they initiate a bank card loss report request to a bank terminal. The bank terminal receives the user-initiated bank card loss report request, wherein the bank card loss report request received by the bank terminal includes user information. Optionally, the user information in the bank card loss report request may include at least one of the user's identity information, the user's fingerprint information, and the user's facial feature information. Optionally, the bank counter terminal may be a counter terminal located at any bank branch.

[0097] S702: Obtain the target bank card number based on the user information.

[0098] Alternatively, the bank counter terminal can query the bank card under the user information based on the user information, thereby determining the bank card number of the bank card under the user name as the target bank card number. It is understandable that the target bank card number is the bank card number corresponding to the bank card that has been reported lost.

[0099] S703, sending the target bank card number to the bank host, so that the bank host can identify the new bank card from the printed bank cards, obtain the first bank card identifier set on the new bank card, bind the first bank card identifier to the target bank card number, and process the business based on the new bank card.

[0100] Specifically, after obtaining the target bank card number, the bank counter terminal can send the target bank card number to the bank host, so that the bank host determines the new bank card from the printed bank cards, obtains the first bank card identifier set on the new bank card, and then binds the first bank card identifier to the target bank card number, and processes the business based on the new bank card. Optionally, after obtaining the target bank card number, the bank counter terminal can encrypt the target bank card number and send it to the bank host. It should be noted that the printed bank card in this embodiment refers to a bank card that has been printed by the card making terminal but has not been opened. In this embodiment, the detailed implementation principle of the bank host determining the new bank card, obtaining the first bank card identifier set on the new bank card, binding the first bank card identifier to the target bank card number, and processing the business based on the new bank card can be found in the description of the above steps S202 and S203, and this embodiment will not be repeated here.

[0101] In the above-mentioned bank card business processing method, when the bank counter terminal receives a bank card loss report request, it can obtain the target bank card number according to the user information included in the bank card loss report request, and then send the target bank card number to the bank host, so that the bank host can determine the new bank card from the printed bank cards, and obtain the first bank card identifier set on the new bank card, and bind the first bank card identifier with the target bank card number sent by the bank terminal. In this way, the bank card number corresponding to the new bank card determined is still the original card number and has not changed, and there is no need to reprint the bank card, so that business can be quickly processed based on the determined new bank card, avoiding the situation where the business processing of the reported lost bank card is affected when the bank card is lost and a replacement card is required.

[0102] Further, based on the above embodiment, in one embodiment, as Figure 8 As shown, the above method also includes:

[0103] S801, upon receiving a business processing request, verifying the identity of the user corresponding to the business processing request through biometric recognition technology.

[0104] The biometric technology may be face recognition technology, fingerprint recognition technology, iris recognition technology, etc., which is not limited in this embodiment. Specifically, when a bank teller terminal receives a service request, it verifies the identity of the user corresponding to the service request using biometric technology to confirm the user's identity and obtain the user's identity verification result.

[0105] S802: When the identity authentication of the user is passed, the identification code on the bank card held by the user is scanned to obtain the bank card identification of the bank card held by the user.

[0106] Specifically, when the bank counter terminal passes the identity verification of the user corresponding to the service processing request, it obtains the bank card identifier of the bank card held by the user by scanning the identification code on the bank card held by the user. Optionally, the identification code on the bank card held by the user can be a QR code or a barcode, which is not limited in this embodiment. Optionally, the bank card identifier of the bank card held by the user can be the ID of the bank card held by the user, or other identifier that can be used to identify the bank card, such as a bank card serial number.

[0107] S803, sending the bank card identifier of the bank card held by the user to the bank host, and receiving the bank card number of the bank card held by the user sent by the bank host; wherein the bank card number of the bank card held by the user is determined by the bank host based on the correspondence between the bank card identifier, bank card number and bank card identifier of the bank card held by the user.

[0108] Specifically, the bank counter terminal sends the obtained bank card identifier of the bank card held by the user to the bank host, so that the bank host determines the bank card number of the bank card held by the user based on the correspondence between the bank card identifier, bank card number, and bank card identifier of the bank card held by the user, and sends the determined bank card number of the bank card held by the user to the bank counter terminal. The bank counter terminal receives the bank card number of the bank card held by the user sent by the bank host. Optionally, the bank host can search the correspondence between the bank card number and the bank card identifier based on the bank card identifier of the bank card held by the user to obtain the bank card number of the bank card held by the user.

[0109] S804, processing a service based on the bank card number of the bank card held by the user.

[0110] Specifically, the bank counter terminal can query the bank card number of the user's bank card based on the above-determined bank card number, such as the balance of the bank card number, and then handle the business based on the query balance of the bank card number. Optionally, the business handled can be a transfer and remittance business or a deduction business.

[0111] In this embodiment, when the bank counter terminal receives a business processing request, it verifies the identity of the user corresponding to the business processing request through biometric technology. When the user's identity authentication is passed, it scans the identification code on the bank card held by the user to obtain the bank card identification of the bank card held by the user, and then sends the bank card identification of the bank card held by the user to the bank host, and receives the bank card number of the bank card held by the user sent by the bank host, and processes the business based on the bank card number of the bank card held by the user. Through this process, bank card operations such as no transmission, no insertion, and no swiping are realized during the business processing process, thereby ensuring the safe use of bank cards.

[0112] To facilitate understanding by those skilled in the art, the bank card service processing method provided by this application is described in detail below. The method may include:

[0113] S1, generate a bank card identification set and a bank card number set.

[0114] S2, sending each bank card identifier in the bank card identifier set to a card making terminal, so that the card making terminal prints each bank card identifier on the card surface when printing the bank card, and / or stores each bank card identifier in a storage space of the bank card.

[0115] S3, receiving a card activation request sent by a bank counter terminal; the card activation request includes the bank card identification to be activated; the bank card identification to be activated is obtained by the bank counter terminal scanning the identification code on the bank card to be activated, or reading the storage space of the bank card to be activated.

[0116] S4: Obtain the bank card number to be activated from the bank card number set according to the card activation request.

[0117] S5, establishing a correspondence table between the bank card identifier to be activated and the bank card number to be activated, and implementing the card activation operation.

[0118] S6, receiving the target bank card number sent by the bank counter terminal; the target bank card number is obtained by the bank counter terminal according to the user information in the bank card loss report request.

[0119] S7, determining a new bank card from the printed bank cards, and obtaining a first bank card identifier set on the new bank card.

[0120] S8. Determine a second bank card identifier of the target bank card number based on the correspondence between the bank card number and the bank card identifier; the second bank card identifier is an identifier set on the bank card that has been reported lost.

[0121] S9, replacing the second bank card identifier with the first bank card identifier in the correspondence relationship to bind the first bank card identifier with the target bank card number, thereby obtaining a correspondence relationship between the first bank card identifier and the target bank card number.

[0122] S10: Send the correspondence between the first bank card identifier and the target bank card number to a bank counter terminal, so that the bank counter terminal processes a business based on the correspondence between the first bank card identifier and the target bank card number.

[0123] It should be noted that for the descriptions in S1-S10 above, reference can be made to the relevant descriptions in the above embodiments, and the effects are similar, so this embodiment will not be repeated here.

[0124] It should be understood that, although the steps in the flowcharts of the above embodiments are shown in sequence as indicated by the arrows, these steps are not necessarily performed in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and these steps can be performed in other orders. Moreover, at least a portion of the steps in the flowcharts of the above embodiments may include multiple steps or multiple stages, and these steps or stages are not necessarily performed at the same time, but can be performed at different times. The execution order of these steps or stages is not necessarily to be performed in sequence, but can be performed in turn or alternately with other steps or at least a portion of steps or stages in other steps.

[0125] Based on the same inventive concept, embodiments of the present application also provide a bank card service processing device for implementing the aforementioned bank card service processing method. The solution provided by this device is similar to the solution described in the aforementioned method. Therefore, the specific limitations of one or more bank card service processing device embodiments provided below can be found in the aforementioned limitations of the bank card service processing method and will not be further elaborated here.

[0126] In one embodiment, Figure 9 As shown, a bank card business processing device is provided, including: a receiving module, a first obtaining module and a processing module, wherein:

[0127] A receiving module is used to receive the target bank card number sent by the bank counter terminal; the target bank card number is obtained by the bank counter terminal based on the user information in the bank card loss report request;

[0128] a first obtaining module, configured to determine a new bank card from printed bank cards and obtain a first bank card identifier set on the new bank card;

[0129] The processing module is used to bind the first bank card identifier with the target bank card number and process business based on the new bank card.

[0130] The bank card business processing device provided in this embodiment can execute the above method embodiment. Its implementation principle and technical effects are similar and will not be described in detail here.

[0131] Based on the above embodiment, optionally, the processing module includes: a determination unit and a replacement unit, wherein:

[0132] The determination unit is used to determine the second bank card identifier of the target bank card number according to the correspondence between the bank card number and the bank card identifier; the second bank card identifier is the identifier set on the bank card that has been reported lost.

[0133] The replacement unit is configured to replace the second bank card identifier with the first bank card identifier in the corresponding relationship, so as to bind the first bank card identifier with the target bank card number.

[0134] The bank card business processing device provided in this embodiment can execute the above method embodiment. Its implementation principle and technical effects are similar and will not be described in detail here.

[0135] Based on the above embodiment, optionally, the above apparatus further includes: a generating module and a sending module, wherein:

[0136] The generation module is used to generate a bank card identification set and a bank card number set.

[0137] The sending module is used to send each bank card identifier in the bank card identifier set to the card making terminal so that the card making terminal prints each bank card identifier on the card surface when printing the bank card, and / or stores each bank card identifier in the storage space of the bank card.

[0138] The bank card business processing device provided in this embodiment can execute the above method embodiment. Its implementation principle and technical effects are similar and will not be described in detail here.

[0139] Based on the above embodiment, optionally, the above device further includes: a receiving module, a second obtaining module, and an establishing module, wherein:

[0140] The receiving module is used to receive a card activation request sent by a bank counter terminal; the card activation request includes the bank card identifier to be activated.

[0141] The second acquisition module is used to acquire the bank card number to be activated from the bank card number set according to the card activation request.

[0142] A module is established to establish a correspondence table between the bank card identifier to be activated and the bank card number to be activated to implement the card activation operation.

[0143] Optionally, the identification of the bank card to be issued is obtained by scanning an identification code on the bank card to be issued at a bank counter terminal, or by reading a storage space of the bank card to be issued.

[0144] The bank card business processing device provided in this embodiment can execute the above method embodiment. Its implementation principle and technical effects are similar and will not be described in detail here.

[0145] Based on the above embodiment, optionally, the processing module includes: a binding unit and a sending unit, wherein:

[0146] The binding unit is used to bind the first bank card identifier with the target bank card number to obtain a corresponding relationship between the first bank card identifier and the target bank card number.

[0147] The sending unit is used to send the correspondence between the first bank card identifier and the target bank card number to the bank counter terminal, so that the bank counter terminal handles business based on the correspondence between the first bank card identifier and the target bank card number.

[0148] The bank card business processing device provided in this embodiment can execute the above method embodiment. Its implementation principle and technical effects are similar and will not be described in detail here.

[0149] Each module in the aforementioned bank card service processing device may be implemented in whole or in part through software, hardware, or a combination thereof. Each module may be embedded in or independent of a processor in a computer device in the form of hardware, or may be stored in a memory in the computer device in the form of software, so that the processor can call and execute the corresponding operations of each module.

[0150] In one embodiment, Figure 10 As shown, a bank card business processing device is provided, comprising: a first receiving module, an acquiring module and a sending module, wherein:

[0151] The first receiving module is used to receive a bank card loss reporting request; the bank card loss reporting request includes user information.

[0152] The acquisition module is used to obtain the target bank card number based on user information.

[0153] The sending module is used to send the target bank card number to the bank host so that the bank host can identify the new bank card from the printed bank cards, obtain the first bank card identifier set on the new bank card, bind the first bank card identifier with the target bank card number, and process business based on the new bank card.

[0154] The bank card business processing device provided in this embodiment can execute the above method embodiment. Its implementation principle and technical effects are similar and will not be described in detail here.

[0155] Based on the above embodiment, optionally, the above device further includes: a verification module, a scanning module, a second receiving module and a processing module, wherein:

[0156] The verification module is used to verify the identity of the user corresponding to the business processing request through biometric technology when receiving the business processing request.

[0157] The scanning module is used to scan the identification code on the bank card held by the user when the user's identity verification is passed, so as to obtain the bank card identification of the bank card held by the user.

[0158] The second receiving module is used to send the bank card identifier of the bank card held by the user to the bank host, and receive the bank card number of the bank card held by the user sent by the bank host; wherein the bank card number of the bank card held by the user is determined by the bank host based on the correspondence between the bank card identifier, bank card number and bank card identifier of the bank card held by the user.

[0159] The processing module is used to process business based on the bank card number of the bank card held by the user.

[0160] The bank card business processing device provided in this embodiment can execute the above method embodiment. Its implementation principle and technical effects are similar and will not be described in detail here.

[0161] Each module in the aforementioned bank card service processing device may be implemented in whole or in part through software, hardware, or a combination thereof. Each module may be embedded in or independent of a processor in a computer device in the form of hardware, or may be stored in a memory in the computer device in the form of software, so that the processor can call and execute the corresponding operations of each module.

[0162] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 11 As shown. The computer device includes a processor, memory, and a network interface connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of the operating system and computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external terminal via a network connection. When executed by the processor, the computer program implements a bank card business processing method.

[0163] In one embodiment, a computer device is provided. The computer device may be a terminal, and its internal structure diagram may be as follows: Figure 12As shown. The computer device includes a processor, a memory, a communication interface, a display screen and an input device connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner can be achieved through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. When the computer program is executed by the processor, a bank card business processing method is implemented. The display screen of the computer device can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer device can be a touch layer covering the display screen, or a button, trackball or touchpad provided on the computer device housing, or an external keyboard, touchpad or mouse.

[0164] Those skilled in the art will understand that Figure 11 and Figure 12 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different component arrangement.

[0165] In one embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the following steps are implemented:

[0166] Receive the target bank card number sent by the bank counter terminal; the target bank card number is obtained by the bank counter terminal based on the user information in the bank card loss report request;

[0167] Determine a new bank card from the printed bank cards and obtain a first bank card identifier set on the new bank card;

[0168] Bind the first bank card ID to the target bank card number, and conduct business based on the new bank card.

[0169] The implementation principle and technical effects of the computer device provided in the above embodiment are similar to those of the above method embodiment and will not be repeated here.

[0170] In one embodiment, a terminal is provided, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the following steps are implemented:

[0171] Receive a bank card loss report request, which includes user information;

[0172] Get the target bank card number based on user information;

[0173] The target bank card number is sent to the bank host so that the bank host can identify the new bank card from the printed bank cards, obtain the first bank card identifier set on the new bank card, bind the first bank card identifier to the target bank card number, and process transactions based on the new bank card.

[0174] The implementation principle and technical effects of the terminal provided in the above embodiment are similar to those of the above method embodiment, and will not be repeated here.

[0175] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the following steps are implemented:

[0176] Receive the target bank card number sent by the bank counter terminal; the target bank card number is obtained by the bank counter terminal based on the user information in the bank card loss report request;

[0177] Determine a new bank card from the printed bank cards and obtain a first bank card identifier set on the new bank card;

[0178] Bind the first bank card ID to the target bank card number, and conduct business based on the new bank card.

[0179] The computer-readable storage medium provided in the above embodiment has similar implementation principles and technical effects to those of the above method embodiment, and will not be described in detail here.

[0180] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the following steps are implemented:

[0181] Receive a bank card loss report request, which includes user information;

[0182] Get the target bank card number based on user information;

[0183] The target bank card number is sent to the bank host so that the bank host can identify the new bank card from the printed bank cards, obtain the first bank card identifier set on the new bank card, bind the first bank card identifier to the target bank card number, and process transactions based on the new bank card.

[0184] The computer-readable storage medium provided in the above embodiment has similar implementation principles and technical effects to those of the above method embodiment, and will not be described in detail here.

[0185] In one embodiment, a computer program product is provided, comprising a computer program, which, when executed by a processor, implements the following steps:

[0186] Receive the target bank card number sent by the bank counter terminal; the target bank card number is obtained by the bank counter terminal based on the user information in the bank card loss report request;

[0187] Determine a new bank card from the printed bank cards and obtain a first bank card identifier set on the new bank card;

[0188] Bind the first bank card ID to the target bank card number, and conduct business based on the new bank card.

[0189] The computer program product provided in the above embodiment has similar implementation principles and technical effects to those of the above method embodiment, and will not be described in detail here.

[0190] In one embodiment, a computer program product is provided, comprising a computer program, which, when executed by a processor, implements the following steps:

[0191] Receive a bank card loss report request, which includes user information;

[0192] Get the target bank card number based on user information;

[0193] The target bank card number is sent to the bank host so that the bank host can identify the new bank card from the printed bank cards, obtain the first bank card identifier set on the new bank card, bind the first bank card identifier to the target bank card number, and process transactions based on the new bank card.

[0194] The computer program product provided in the above embodiment has similar implementation principles and technical effects to those of the above method embodiment, and will not be described in detail here.

[0195] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties.

[0196] Those skilled in the art will appreciate that all or part of the processes in the above-mentioned embodiment methods can be implemented by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, database or other media used in the embodiments provided in this application may include at least one of non-volatile and volatile memory. Non-volatile memory may include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory may include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in the various embodiments provided herein may include at least one of a relational database and a non-relational database. Non-relational databases may include, but are not limited to, distributed databases based on blockchains. The processor involved in the various embodiments provided herein may be, but are not limited to, a general-purpose processor, a central processing unit, a graphics processing unit, a digital signal processor, a programmable logic unit, a data processing logic unit based on quantum computing, and the like.

[0197] The technical features of the above embodiments can be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0198] The above-described embodiments merely represent several implementation methods of the present application. While the descriptions are relatively specific and detailed, they should not be construed as limiting the scope of the present application. It should be noted that a person of ordinary skill in the art may make various modifications and improvements without departing from the spirit of the present application, and these modifications and improvements fall within the scope of protection of the present application. Therefore, the scope of protection of the present application shall be determined by the appended claims.

Claims

1. A bank card business processing method, characterized in that: The method comprises: Receiving a target bank card number sent by a bank counter terminal; the target bank card number is obtained by the bank counter terminal based on the user information in the bank card loss report request; Determining a new bank card from the printed bank cards and obtaining a first bank card identifier set on the new bank card; the new bank card does not have a bank card number set on it; The first bank card identifier is bound to the target bank card number, and business is processed based on the new bank card.

2. The method according to claim 1, characterized in that Binding the first bank card identifier with the target bank card number includes: Determining a second bank card identifier of the target bank card number based on a correspondence between the bank card number and the bank card identifier; the second bank card identifier is an identifier set on the bank card that has been reported lost; In the corresponding relationship, the second bank card identifier is replaced with the first bank card identifier to bind the first bank card identifier to the target bank card number.

3. The method according to claim 1 or 2, characterized in that The method further comprises: Generate a bank card identifier set and a bank card number set; Each bank card identifier in the bank card identifier set is sent to a card making terminal, so that the card making terminal prints each bank card identifier on the card surface when printing the bank card, and / or stores each bank card identifier in a storage space of the bank card.

4. The method according to claim 3, characterized in that The method further comprises: Receiving a card activation request sent by a bank counter terminal; the card activation request includes the bank card identifier to be activated; Obtaining the bank card number to be activated from the bank card number set according to the card activation request; A correspondence table between the bank card identifier of the card to be opened and the bank card number of the card to be opened is established to implement the card opening operation.

5. The method according to claim 1 or 2, characterized in that The step of binding the first bank card identifier to the target bank card number and processing a transaction based on the new bank card includes: Binding the first bank card identifier to the target bank card number to obtain a correspondence between the first bank card identifier and the target bank card number; The correspondence between the first bank card identifier and the target bank card number is sent to the bank counter terminal, so that the bank counter terminal processes business based on the correspondence between the first bank card identifier and the target bank card number.

6. The method according to claim 4, characterized in that The identification of the bank card to be issued is obtained by scanning the identification code on the bank card to be issued by the bank counter terminal, or by reading the storage space of the bank card to be issued.

7. A bank card business processing method, characterized in that: The method comprises: receiving a bank card loss reporting request, wherein the bank card loss reporting request includes user information; Obtaining a target bank card number based on the user information; The target bank card number is sent to a bank host, so that the bank host determines a new bank card from printed bank cards, obtains a first bank card identifier set on the new bank card, binds the first bank card identifier to the target bank card number, and processes transactions based on the new bank card; the bank card number information is not set on the new bank card.

8. The method according to claim 7, characterized in that The method further comprises: Upon receiving a business processing request, verify the identity of the user corresponding to the business processing request through biometric technology; When the identity verification of the user is passed, scanning the identification code on the bank card held by the user to obtain the bank card identification of the bank card held by the user; Sending the bank card identifier of the bank card held by the user to the bank host, and receiving the bank card number of the bank card held by the user sent by the bank host; wherein the bank card number of the bank card held by the user is determined by the bank host based on the correspondence between the bank card identifier, bank card number and bank card identifier of the bank card held by the user; Processing services based on the bank card number of the bank card held by the user.

9. A bank card business processing device, characterized in that: The device comprises: A receiving module, configured to receive a target bank card number sent by a bank counter terminal; the target bank card number is obtained by the bank counter terminal based on user information in a bank card loss report request; a first obtaining module, configured to determine a new bank card from printed bank cards and obtain a first bank card identifier set on the new bank card; the new bank card does not have a bank card number set on it; The processing module is used to bind the first bank card identifier with the target bank card number and process business based on the new bank card.

10. A bank card business processing device, characterized in that: The device comprises: A first receiving module is configured to receive a bank card loss reporting request, wherein the bank card loss reporting request includes user information; An acquisition module, configured to acquire a target bank card number based on the user information; A sending module is used to send the target bank card number to a bank host, so that the bank host can identify a new bank card from the printed bank cards, obtain a first bank card identifier set on the new bank card, bind the first bank card identifier to the target bank card number, and process transactions based on the new bank card; the new bank card does not have bank card number information set.

11. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 6 are implemented.

12. A terminal comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 7 to 8 are implemented.

13. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 8 are implemented.

14. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 8 are implemented.

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