Method and device for reporting and cancelling loss of bank card

Abstract

The present application provides a method and device for reporting a bank card lost and unreporting a loss, which relates to the field of information security. The method comprises: receiving a bank card operation request, which carries a ciphertext; decrypting the ciphertext based on a pre-stored public key to obtain a plaintext; and performing a corresponding operation based on the operation information in the plaintext. Based on the method for reporting a bank card lost and unreporting a loss provided by the present application, a user can handle the reporting of a bank card lost and unreporting a loss on a terminal based on a key issued by a server, enabling the user to handle the reporting of a bank card lost and unreporting a loss more efficiently and conveniently, thereby reducing the risk of property loss to the user. In addition, the user to whom the bank card belongs can provide another mobile phone number to the server in advance as a backup, and use the mobile phone number for verification during the handling process, which has a high degree of security.

Description

Technical Field

[0001] The present application relates to the field of information security, and in particular to a method and device for reporting and cancelling a lost bank card. Background Art

[0002] In daily life, users generally use bank cards to deposit, withdraw money or make payments. It can be said that bank cards are closely related to the safety of users' property. However, there is a risk of losing bank cards, which can cause losses to users.

[0003] Currently, if a user loses their bank card, they can report the loss verbally (or temporarily) through online or telephone banking. Then, within the validity period (e.g., 5 days) of the verbal report, they can go to the bank counter to file a written report. Otherwise, the report will be automatically cancelled after the validity period expires. If the user finds the bank card within the validity period, they will still need to go to the counter to cancel the verbal report. As you can see, this process is very cumbersome and inconvenient for users.

[0004] Therefore, it is hoped to provide a convenient method for reporting a loss and cancelling a loss report. Summary of the Invention

[0005] The present application provides a method and device for reporting a bank card loss and cancelling a report of loss, whereby a user can report a bank card loss and cancel a report of loss on a terminal, making it more efficient and convenient for the user to handle the report of a bank card loss and cancel a report of loss, thereby reducing the risk of property loss for the user.

[0006] In the first aspect, the present application provides a method for reporting a lost bank card and cancelling the report of a lost bank card, which is applied to a server and includes: receiving a bank card operation request, which carries a ciphertext, and the ciphertext is obtained by encrypting a plaintext by a terminal based on a pre-stored private key, and the plaintext includes operation information, and the operation information is used to indicate a lost bank card operation or cancel a lost bank card operation; decrypting the ciphertext based on a pre-stored public key to obtain plaintext, and the public key corresponds to the private key; and performing corresponding operations based on the operation information in the plaintext.

[0007] Based on the above method, users can report the loss of their bank cards and cancel the report based on the key issued by the server, making it more efficient and convenient for users to report the loss of their bank cards and cancel the report, thereby reducing the risk of property loss for users.

[0008] In combination with the first aspect, in some possible implementations of the first aspect, the method further includes: generating a key pair based on a predefined algorithm; and sending a private key in the key pair to the terminal.

[0009] Among them, the key pair is a general key pair or a special key pair. The general key pair is generated by processing the mobile phone number pre-stored in the server based on a predefined algorithm. The special key pair is generated by processing the pre-stored mobile phone number and the device information of the first terminal based on a predefined algorithm. The mobile phone number of the first terminal is the mobile phone number bound to the bank card, and the pre-stored mobile phone number is the mobile phone number of the second terminal.

[0010] Optionally, the bank card operation request comes from the first terminal, and the plain text also includes a verification code, and the operation information is used to indicate a lost bank card operation or to cancel a lost bank card operation; the method specifically includes: decrypting the ciphertext based on a pre-stored public key to obtain operation information and a verification code; verifying the verification code; and if the verification code is successfully verified, performing a corresponding operation based on the operation information in the plain text.

[0011] In combination with the first aspect, in some possible implementations of the first aspect, the method specifically includes: when the verification code is successfully verified, sending a verification message to the second terminal based on a pre-stored mobile phone number, the verification message is used to confirm whether the bank card operation request comes from the user to whom the bank card belongs; when receiving a confirmation message from the second terminal, performing a corresponding operation based on the operation information in the plain text.

[0012] Optionally, the bank card operation request comes from the second terminal, and the ciphertext is obtained by encrypting the plaintext based on the private key in the universal key pair. The plaintext also includes a verification code and information about the bank card that needs to be operated, and the operation information is used to indicate the operation of reporting the bank card lost; the method specifically includes: decrypting the ciphertext based on the public key in the universal key pair to obtain operation information, verification code and bank card information; verifying the verification code; if the verification code is successfully verified, performing corresponding operations based on the operation information and bank card information in the plaintext.

[0013] On the second aspect, the present application provides a method for reporting a lost bank card and cancelling the report of a lost bank card, which is applied to a terminal and includes: encrypting plaintext based on a pre-stored private key to obtain ciphertext, the plaintext including operation information, and the operation information is used to indicate the operation of reporting a lost bank card or cancelling the operation of reporting a lost bank card; sending a bank card operation request to a server, and the bank card operation request carries ciphertext.

[0014] Based on the above method, users can report the loss of their bank cards and cancel the report of loss on the terminal, making it more efficient and convenient for users to report the loss of their bank cards and cancel the report of loss, thereby reducing the risk of property loss for users.

[0015] In combination with the second aspect, in some possible implementations of the second aspect, the method also includes: in response to the user's operation, logging into the mobile banking through the bank card account; receiving a private key from the server, the private key and the public key in the server being the same key pair.

[0016] Among them, the key pair is a general key pair or a special key pair. The general key pair is generated by processing the mobile phone number pre-stored in the server based on a predefined algorithm, and the special key pair is generated by processing the pre-stored mobile phone number and the device information of the first terminal based on a predefined algorithm. The mobile phone number of the first terminal is the mobile phone number bound to the bank card, and the pre-stored mobile phone number is the mobile phone number of the second terminal.

[0017] Optionally, the terminal is a first terminal, and the bank card information is bound to the first terminal; the plain text also includes a verification code, and the operation information is used to indicate a lost bank card operation or to cancel a lost bank card operation; the method specifically includes: encrypting the operation information and the verification code based on a pre-stored private key to obtain a ciphertext.

[0018] Optionally, the terminal is a second terminal bound to a pre-stored mobile phone number, and the plain text also includes a verification code and information of a bank card that needs to be operated, and the operation information is used to indicate the operation of reporting a lost bank card; the method specifically includes: encrypting the operation information, verification code and bank card information based on the private key in the universal key pair to obtain a ciphertext.

[0019] In the third aspect, the present application provides a server, which includes a communication module and a processing module; the communication module is used to receive a bank card operation request, which carries a ciphertext, and the ciphertext is obtained by encrypting a plaintext based on a pre-stored private key. The plaintext includes operation information, and the operation information is used to indicate a lost bank card operation or to cancel a lost bank card operation; the processing module is used to decrypt the ciphertext based on a pre-stored public key to obtain plaintext, and the public key corresponds to the private key; based on the operation information in the plaintext, the corresponding operation is performed.

[0020] In a fourth aspect, the present application provides a terminal comprising a processing module and a communication module; the processing module is used to encrypt plaintext based on a pre-stored private key to obtain ciphertext, the plaintext including operation information, and the operation information is used to indicate a lost bank card operation or to cancel a lost bank card operation; the communication module is used to send a bank card operation request to a server, and the bank card operation request carries ciphertext.

[0021] In a fifth aspect, the present application provides a device for reporting and cancelling a lost bank card, comprising a processor for executing a computer program to execute the method in the first aspect and the second aspect and any possible implementation of the first aspect and the second aspect.

[0022] In a sixth aspect, the present application provides a computer-readable storage medium comprising a computer program, which, when executed on a computer, enables the computer to execute the method in the first aspect and the second aspect and any possible implementation of the first aspect and the second aspect.

[0023] In a seventh aspect, the present application provides a computer program product, comprising a computer program, which, when executed on a computer, enables the computer to execute the method in the first aspect and the second aspect and any possible implementation of the first aspect and the second aspect.

[0024] It should be understood that the third to seventh aspects of the present application correspond to the technical solutions of the first and second aspects of the present application, and the beneficial effects achieved by each aspect and the corresponding feasible implementation methods are similar and will not be repeated here. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] Figure 1 This is a schematic diagram of a scenario applicable to the method for reporting a bank card loss and canceling a report of loss provided in an embodiment of the present application;

[0026] Figure 2 This is a schematic flow chart of a method for reporting a bank card loss and canceling a report of loss provided in an embodiment of the present application;

[0027] Figure 3 This is a schematic flow chart of a method for reporting a lost bank card provided in an embodiment of the present application;

[0028] Figure 4 This is a schematic flow chart of a method for cancelling a report of loss of a bank card provided in an embodiment of the present application;

[0029] Figure 5 This is a schematic block diagram of an apparatus for reporting a bank card loss and releasing a loss report provided in an embodiment of the present application;

[0030] Figure 6 This is another schematic block diagram of the device for reporting and cancelling a bank card loss report provided in an embodiment of the present application. DETAILED DESCRIPTION

[0031] To make the purpose, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be described clearly and completely below in conjunction with the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments.

[0032] Therefore, the following detailed description of the embodiments of the present application provided in the accompanying drawings is not intended to limit the scope of the present application for protection, but merely represents selected embodiments of the present application. All other embodiments obtained by persons of ordinary skill in the art based on the embodiments in the present application without making any creative efforts shall fall within the scope of protection of the present application.

[0033] In the embodiments of the present application, the terms "first", "second", etc. are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. In addition, the term "including" and any variations are intended to cover non-exclusive inclusions.

[0034] The technical solution in this application will be described below with reference to the accompanying drawings.

[0035] Figure 1 This is a schematic diagram of a scenario applicable to the method of reporting a bank card loss and canceling a report of loss provided in the embodiment of the present application. Figure 1 As shown in the figure, it includes a server 110 and a terminal 120. The server 110 can communicate with the terminal 120 via a network. The terminal 120 can be a terminal device of any type, for example, including but not limited to a mobile phone, and other terminal devices not shown in the figure, such as a tablet computer, a laptop computer, a smart watch, etc.

[0036] Users can use the terminal to log in to online banking using their bank card number or mobile phone number to report a loss or cancel a report of loss.

[0037] In daily life, users generally use bank cards to make deposits, withdrawals, and payments. It can be said that bank cards are closely related to the safety of users' property. However, there is a risk of bank cards being lost, causing losses to users. Currently, if a user loses a bank card, they can make a verbal report of loss (or temporary report of loss) through online banking or telephone banking, and then go to the bank counter to make a written report of loss within the validity period of the verbal report (for example, 5 days). Otherwise, the report of loss will be automatically cancelled after the validity period expires. If the user retrieves the bank card within the validity period, they will still need to go to the counter to cancel the verbal report of loss. As you can see, this process is very cumbersome and inconvenient for users.

[0038] In light of this, the present application provides a method and apparatus for reporting and unreporting a bank card loss. Users can use a server-issued key to report or unreport a bank card loss on a terminal, making it more efficient and convenient for users to report or unreport a bank card loss, reducing the risk of financial loss. Furthermore, the cardholder can provide the server with a backup mobile phone number in advance, which can be used for verification during the verification process, providing a high level of security.

[0039] Figure 2 This is a schematic flow chart of the method for reporting and cancelling a bank card loss report provided in an embodiment of the present application. Figure 2 The method is shown from the perspective of device interaction, where the server can correspond to Figure 1 The server 110 in the example may correspond to Figure 1 Terminal 120 in. Figure 2As shown, the method 200 may include steps 210 to 240. Each step in the method 200 is described in detail below.

[0040] In step 210, the terminal encrypts the plaintext based on the pre-stored private key to obtain ciphertext.

[0041] The plain text includes operation information, which is used to indicate the operation of reporting a lost bank card or canceling the report of a lost bank card. For example, different operations can be indicated by a flag bit "0" or "1". This application does not limit this.

[0042] The encryption algorithm used to encrypt the plaintext can be an existing encryption algorithm, such as the Rivest-Shamir-Adleman (RSA) algorithm, etc., and the present application includes but is not limited to the same. In an embodiment of the present application, the encryption algorithm can be predefined, and the server and the terminal can perform encryption and decryption based on the same encryption algorithm.

[0043] The terminal and the server can pre-negotiate a key pair (or public-private key pair). For example, the server pre-calculates the public-private key pair and sends the private key to the terminal so that the terminal encrypts based on the private key and the server decrypts based on the public key.

[0044] Optionally, the method 200 further includes: in response to a user operation, logging into the mobile banking through a bank card account; receiving a private key from a server, where the private key and the public key in the server are the same key pair.

[0045] The user can open the mobile banking client at the terminal and log in to the mobile banking through the bank card account. After detecting the client's login operation, the server can send the private key to the client, that is, to the terminal.

[0046] In an embodiment of the present application, the key pair may be a general key pair or a private key pair. The general key pair is generated by processing a mobile phone number pre-stored on the server based on a predefined algorithm, while the private key pair is generated by processing the pre-stored mobile phone number and device information of the first terminal based on a predefined algorithm.

[0047] For the convenience of distinction and explanation below, the public key and private key included in the general key pair are respectively referred to as the general public key and the general private key, and the public key and private key included in the special key pair are respectively referred to as the special public key and the special private key.

[0048] Here, the mobile phone number of the first terminal is the mobile phone number bound to the bank card, or in other words, the first terminal is the terminal of the user to whom the bank card belongs, and the mobile phone number pre-stored on the server is the mobile phone number of the second terminal, or in other words, the mobile phone number of the second terminal is not the mobile phone number bound to the bank card. For example, the second terminal can be another terminal of the user, or a terminal of a relative or friend of the user. In other words, the same bank card of the user is bound to two mobile phone numbers.

[0049] In this embodiment of the present application, the universal key pair can be generated when the user first uses a terminal to log in to the mobile banking with the bank card account. In other words, the user can receive the universal private key by using any terminal to log in to the mobile banking with the bank card account.

[0050] Afterwards, the server can generate a dedicated key pair based on the device information of the terminal (e.g., the first terminal) that has logged into the mobile banking, such as the international mobile equipment identity (IMEI), and send the dedicated private key to the terminal. The dedicated private key can be used by the terminal the next time it logs into the mobile banking through the bank card account to perform bank card operations, such as using the bank card to pay, transfer, or report the loss of the bank card. It should be understood that the information used to generate the dedicated key pair is not limited to the above-mentioned pre-stored mobile phone number and device information, but can also include SMS verification code, time of generating the dedicated key pair, etc. This application includes but is not limited to this.

[0051] In the embodiment of the present application, the user can use the first terminal to perform bank card operations, and can also use the second terminal to perform bank card operations. It can be understood that the above terminals are the terminals used by the user to perform bank card operations.

[0052] Optionally, the terminal is a first terminal, the plain text further includes a verification code, and the operation information is used to indicate a lost bank card report operation or a canceled lost bank card report operation; and step 210 specifically includes: encrypting the operation information and the verification code based on a pre-stored private key to obtain a ciphertext.

[0053] When a user uses a first terminal to perform a bank card operation, they can use either the private key in a universal key pair or the private key in a dedicated key pair for encryption. As previously mentioned, when a user first uses a terminal to log in to mobile banking using that bank card account, the server can issue the universal private key to the terminal. Thereafter, a dedicated key pair can be generated based on the terminal's device information and the dedicated private key can be issued to the terminal.

[0054] Therefore, the first terminal can use the dedicated private key for encryption in the case of pre-stored dedicated private key. If the first terminal receives a decryption failure message from the server, it will enable the universal private key encryption and delete the original dedicated private key.

[0055] To further enhance security, the plaintext may further include a verification code. This verification code can be, for example, a verification code sent by the server to the first terminal via a text message. For example, when a user logs into mobile banking via the first terminal, the server can send this verification code to the first terminal, enabling the first terminal to generate a bank card operation request. This verification code can be used by the server to authenticate the first terminal.

[0056] Optionally, the terminal is a second terminal, and the above plain text also includes a verification code and information of a bank card that needs to be operated, and the operation information is used to indicate the operation of reporting a lost bank card; and step 210 specifically includes: based on the private key in the universal key pair, encrypting the operation information, verification code and bank card information to obtain a ciphertext.

[0057] Because the user has pre-stored another mobile phone number in the server, namely the mobile phone number of the second terminal, the user can also use the second terminal to perform bank card operations. For example, if the user loses both the bank card and the first terminal, they can report the loss of the bank card, thus avoiding the tedious process of going to the bank counter to report the loss.

[0058] After the user uses the second terminal to log in to the mobile banking with the bank card account, the server can send the universal private key to the second terminal so that the second terminal can generate ciphertext and then send a bank card operation request.

[0059] Similar to the above description, the second terminal can also send device information and other information to the server, which can be used by the server to generate a dedicated key pair and send the dedicated private key to the second terminal. It is understood that if the server generates a dedicated key pair based on the device information of the second terminal, the dedicated key pair previously generated by the first terminal will become invalid.

[0060] It is understood that if a user loses their first terminal, they can quickly report the loss using another terminal. To enhance security, users can be further restricted from using a second terminal to cancel a report of loss. This prevents the card from being unreported and allowed to be used normally if both the first and second terminals are lost, further minimizing financial losses to the user.

[0061] In step 220, the terminal sends a bank card operation request to the server, the bank card operation request carrying ciphertext, and the server receives the bank card operation request accordingly.

[0062] The terminal may send a bank card operation request to the server based on the communication connection with the server.

[0063] In step 230, the server decrypts the ciphertext based on the pre-stored public key to obtain plaintext.

[0064] As mentioned above, the public key corresponds to the private key. The server sends the private key to the terminal, and the public key is pre-stored on the server.

[0065] Optionally, step 230 specifically includes decrypting the ciphertext based on a pre-stored public key to obtain operation information and a verification code; and verifying the verification code.

[0066] The pre-stored public key can be a general public key or a private public key. If a private public key is pre-stored on the server, it will be used for decryption. If the private public key fails to decrypt, the general public key is used for decryption, a decryption failure message is sent to the terminal, and the original private public key is deleted.

[0067] As previously mentioned, the ciphertext generated by the user using the first terminal and the ciphertext generated by the second terminal are based on different information contained in the plaintext. If the user generates the ciphertext using the first terminal, the plaintext includes the operation information and the verification code; if the user generates the ciphertext using the second terminal, the plaintext includes the operation information, the verification code, and bank card information, such as the bank card number and the mobile phone number associated with the bank card.

[0068] Therefore, the information contained in the plaintext decrypted by the server is also different. If the server receives ciphertext from the first terminal, it decrypts the ciphertext to obtain the operation information and verification code. If the server receives ciphertext from the second terminal, it decrypts the ciphertext to obtain the operation information, verification code, and bank card information.

[0069] In step 240, the server performs corresponding operations based on the operation information in the plain text.

[0070] Optionally, step 240 specifically includes, when the verification code is successfully verified, performing a corresponding operation based on the operation information in the plain text.

[0071] In one example, the server decrypts the ciphertext in the operation request sent by the first terminal using the dedicated public key in the dedicated key pair, obtains operation information and a verification code for instructing to report a lost bank card or to release the report, and verifies the verification code. If the verification code is successfully verified, the operation of reporting the lost bank card or releasing the report is performed; if the verification code fails to be verified, the operation is not performed.

[0072] In another example, the server decrypts the ciphertext in the operation request sent by the first terminal based on the universal public key in the universal key pair, obtains the operation information and verification code for instructing to report the bank card lost or to cancel the report of the bank card lost, and verifies the verification code. If the verification code is successfully verified, a verification message is sent to the second terminal bound to the pre-stored mobile phone number, such as a relative's mobile phone number. The verification message is used to confirm whether the operation request comes from the user to whom the bank card belongs. If a confirmation message is received from the second terminal, the operation of reporting the bank card lost or canceling the report of the bank card lost is performed; if the verification code fails to be verified or no confirmation message is received from the second terminal, or a denial message is received from the second terminal, the operation is not performed.

[0073] Furthermore, after the user completes the first report of bank card loss or cancels the report of bank card loss using the first terminal, the server processes the pre-stored mobile phone number and the device information of the first terminal based on a predefined algorithm to generate a dedicated key pair. The dedicated public key is stored on the server, and the dedicated private key is sent to the terminal.

[0074] Furthermore, when the verification code is successfully verified, a corresponding operation is performed based on the operation information in the plain text, including: when the verification code is successfully verified, a verification message is sent to the second terminal based on the pre-stored mobile phone number, and the verification message is used to confirm whether the bank card operation request comes from the user to which the bank card belongs; when a confirmation message is received from the second terminal, a corresponding operation is performed based on the operation information in the plain text.

[0075] If the server successfully verifies the verification code, it can further verify with the user of the second terminal whether the bank card operation request is truly from the bank card user. For example, if the user of the second terminal is a friend or relative of the bank card user, the friend or relative can confirm the verification message by sending a confirmation message. This method is known as friend-assisted verification, which further enhances security.

[0076] Optionally, step 240 specifically includes: when the verification code is successfully verified, performing corresponding operations based on the operation information in the plain text and the bank card information.

[0077] In one example, the server decrypts the ciphertext in the operation request sent by the second terminal using the universal public key in the universal key pair, obtaining operation information indicating a bank card loss report, a verification code, and bank card information, and then verifies the verification code. If the verification code is successfully verified, the bank card loss report operation is performed; if the verification code fails to be verified, the operation is not performed.

[0078] Based on the above method, the server can process the user's bank card loss report and cancellation request, allowing the user to handle the bank card loss report and cancellation service more efficiently and conveniently, reducing the risk of property loss for the user.

[0079] In order to better understand the method provided in the embodiment of the present application, Figure 3 and Figure 4 Two specific examples are given.

[0080] Figure 3 It is a schematic flow chart of the method for reporting a lost bank card provided in an embodiment of the present application.

[0081] After the terminal detects a user reporting a card loss, it first determines whether it is the user making the report. This can be determined by identifying whether the terminal is the first or second terminal. If it is the user, the terminal then determines whether it has a dedicated private key. If so, the terminal uses the private key to encrypt the plaintext and sends the encrypted ciphertext to the server. The server decrypts the ciphertext using the dedicated public key and then verifies the verification code. If the verification code is successful, the report is processed.

[0082] If there is no dedicated private key, the terminal encrypts the plaintext using the universal private key and sends the encrypted ciphertext to the server. The server decrypts the ciphertext using the universal public key and then verifies the verification code. If the verification code is successful, the loss report operation is performed. The pre-stored mobile phone number and the device information of the first terminal are processed based on a pre-defined algorithm to generate a dedicated key pair.

[0083] If it is not the user himself, relatives and friends will help report the loss. The terminal uses the universal private key to encrypt the plaintext and sends the encrypted ciphertext to the server. The server uses the universal public key to decrypt the ciphertext and then verifies the verification code. After the verification code is successfully verified, the report is executed.

[0084] Figure 4 It is a schematic flow chart of the method for cancelling a report of loss of a bank card provided in an embodiment of the present application.

[0085] After the terminal detects a user's attempt to unreport a card loss, it first determines whether it has a dedicated private key. If so, it uses the private key to encrypt the plaintext and sends the encrypted ciphertext to the server. The server decrypts the ciphertext using the dedicated public key and then verifies the verification code. Upon successful verification, the unreporting operation is performed.

[0086] If there is no dedicated private key, the terminal encrypts the plaintext using the universal private key and sends the encrypted ciphertext to the server. The server decrypts the ciphertext using the universal public key and then verifies the verification code. If the verification code is successful, the loss report is released. Furthermore, a dedicated key pair is generated based on the pre-stored mobile phone number and the device information of the first terminal using a pre-defined algorithm.

[0087] Figure 5 This is a schematic block diagram of the device for reporting and cancelling a bank card loss report provided in an embodiment of the present application. Figure 5 As shown, the device 500 for reporting and cancelling a bank card loss report may include a communication module 510 and a processing module 520 .

[0088] In a possible design, the bank card loss reporting and cancellation device 500 may be a terminal, for example, Figure 1 Terminal 120 in.

[0089] Among them, the processing module 520 can be used to encrypt plaintext based on a pre-stored private key to obtain ciphertext, and the plaintext includes operation information, which is used to indicate the operation of reporting a lost bank card or canceling the operation of reporting a lost bank card; the communication module 510 can be used to send a bank card operation request to the server, and the bank card operation request carries ciphertext.

[0090] Optionally, the processing module 520 is further used to log in to the mobile banking through the bank card account in response to the user's operation; the communication module 510 is further used to receive a private key from the server, which is the same key pair as the public key in the server.

[0091] Among them, the key pair is a general key pair or a special key pair. The general key pair is generated by processing the mobile phone number pre-stored on the server based on a predefined algorithm, and the special key pair is generated by processing the pre-stored mobile phone number and the device information of the first terminal based on a pre-defined algorithm. The mobile phone number of the first terminal is the mobile phone number bound to the bank card, and the pre-stored mobile phone number is the mobile phone number of the second terminal.

[0092] Optionally, the terminal is a first terminal, and the bank card information is bound to the first terminal; the plain text also includes a verification code, and the operation information is used to indicate a lost bank card operation or to cancel a lost bank card operation; and the processing module 520 is specifically used to encrypt the operation information and the verification code based on a pre-stored private key to obtain a ciphertext.

[0093] Optionally, the terminal is a second terminal bound to a pre-stored mobile phone number, and the plain text also includes a verification code and information about the bank card that needs to be operated, and the operation information is used to indicate the operation of reporting a lost bank card; and the processing module 520 is specifically used to encrypt the operation information, verification code and bank card information based on the private key in the universal key pair to obtain a ciphertext.

[0094] In another possible design, the bank card loss reporting and cancellation device 500 may also be a server, for example, Figure 1 Server 110 in.

[0095] Among them, the communication module 510 can be used to receive a bank card operation request, which carries a ciphertext. The ciphertext is obtained by encrypting the plaintext by the terminal based on a pre-stored private key. The plaintext includes operation information, and the operation information is used to indicate the operation of reporting a lost bank card or canceling the operation of reporting a lost bank card; the processing module 520 can be used to decrypt the ciphertext based on a pre-stored public key to obtain plaintext, and the public key corresponds to the private key; the processing module 520 can be used to perform corresponding operations based on the operation information in the plaintext.

[0096] Optionally, the processing module 520 is further configured to generate a key pair based on a predefined algorithm; and the communication module 510 is further configured to send a private key in the key pair to the terminal.

[0097] Among them, the key pair is a general key pair or a special key pair. The general key pair is generated by processing a pre-stored mobile phone number based on a predefined algorithm; the special key pair is generated by processing a mobile phone number pre-stored in the server and the device information of the first terminal based on a pre-defined algorithm. The mobile phone number of the first terminal is the terminal mobile phone number bound to the bank card, and the pre-stored mobile phone number is the mobile phone number of the second terminal.

[0098] Optionally, the bank card operation request comes from the first terminal, and the plain text also includes a verification code, and the operation information is used to indicate the operation of reporting a lost bank card or canceling the operation of reporting a lost bank card; and the processing module 520 is specifically used to decrypt the ciphertext based on a pre-stored public key to obtain the operation information and the verification code; verify the verification code; and if the verification code is successfully verified, perform a corresponding operation based on the operation information in the plain text.

[0099] Optionally, the communication module 510 is specifically used to send a verification message to the second terminal based on a pre-stored mobile phone number when the verification code is successfully verified, and the verification message is used to confirm whether the bank card operation request comes from the user to whom the bank card belongs; the processing module 520 is specifically used to perform corresponding operations based on the operation information in plain text when a confirmation message is received from the second terminal.

[0100] Optionally, the bank card operation request comes from the second terminal, and the ciphertext is obtained by encrypting the plaintext based on the private key in the universal key pair. The plaintext also includes a verification code and information about the bank card that needs to be operated, and the operation information is used to indicate the operation of reporting the bank card lost; and the processing module 520 is specifically used to decrypt the ciphertext based on the public key in the universal key pair to obtain operation information, verification code and bank card information; verify the verification code; and if the verification code is successfully verified, perform corresponding operations based on the operation information and bank card information in the plaintext.

[0101] It should be understood that the division of modules in the embodiments of the present application is illustrative and is merely a logical functional division. In actual implementation, other division methods may be used. Furthermore, the functional modules in the various embodiments of the present application may be integrated into a single processor, or may exist physically as separate modules, or two or more modules may be integrated into a single module. The aforementioned integrated modules may be implemented in the form of hardware or software functional modules.

[0102] Figure 6 This is another schematic block diagram of the device for reporting and releasing a bank card loss provided in an embodiment of the present application. Figure 6 As shown, the device 600 may include at least one processor 510, which is used to implement the bank card loss reporting and cancellation functions in the method provided in this application. For details, please refer to the detailed description in the method example, which will not be repeated here.

[0103] The device 600 may also include a memory 620 for storing program instructions and / or data. The memory 620 is coupled to the processor 610. Coupling, as used herein, refers to an indirect coupling or communication connection between devices, units, or modules, and may be electrical, mechanical, or other forms, for information exchange between the devices, units, or modules. The processor 610 may operate in conjunction with the memory 620. The processor 610 may execute program instructions stored in the memory 620. At least one of the at least one memory may be included in the processor.

[0104] The apparatus 600 may also include a communication interface 630 for communicating with other devices via a transmission medium, so that the apparatus in the apparatus 600 can communicate with other devices. The communication interface 630 may be, for example, a transceiver, an interface, a bus, a circuit, or a device capable of performing transceiver functions. The processor 510 may utilize the communication interface 630 to transmit and receive data and / or information, and to implement Figure 2 、 Figure 3 and Figure 4 The method for reporting a bank card loss and canceling the report is described in the corresponding embodiment.

[0105] The specific connection medium between the processor 610, the memory 620 and the communication interface 630 is not limited in this application. Figure 6 The processor 610, the memory 620 and the communication interface 630 are connected via a bus 640. The bus 640 is connected to the Figure 6 The connections between the other components are shown in bold lines, which are only for illustration and are not intended to be limiting. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, Figure 6 Only one thick line is used in the diagram, but this does not mean that there is only one bus or one type of bus.

[0106] In the embodiments of the present application, the processor may be a general-purpose processor, a digital signal processor, an application-specific integrated circuit, a field-programmable gate array or other programmable logic device, a discrete gate or transistor logic device, or a discrete hardware component, and may implement or execute the methods, steps, and logic block diagrams disclosed in this application. The general-purpose processor may be a microprocessor or any conventional processor. The steps of the methods disclosed in this application may be directly implemented as being executed by a hardware processor, or may be executed by a combination of hardware and software modules in the processor.

[0107] According to the method provided by the present application, the present application also provides a computer-readable storage medium, which stores a program code, and when the program code is run on a computer, the computer executes Figure 2 、 Figure 3 and Figure 4 The corresponding embodiment is a method executed by the terminal or a method executed by the server.

[0108] According to the method provided by the present application, the present application also provides a computer program product, which includes: computer program code. When the computer program code is run on a computer, the computer executes Figure 2 、 Figure 3 and Figure 4 The corresponding embodiment is a method executed by the terminal or a method executed by the server.

[0109] The technical solutions provided in this application can be implemented in whole or in part through software, hardware, firmware, or any combination thereof. When implemented using software, they can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, the processes or functions described in this application are generated in whole or in part. The computer can be a general-purpose computer, a special-purpose computer, a computer network, a network device, a terminal device, or other programmable device. The computer instructions can be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another. For example, the computer instructions can be transmitted from one website, computer, server, or data center to another website, computer, server, or data center via a wired connection (e.g., coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.). The computer-readable storage medium can be any available medium accessible by a computer or a data storage device such as a server or data center that integrates one or more available media. The available medium can be a magnetic medium (e.g., a floppy disk, hard disk, magnetic tape), an optical medium (e.g., a digital video disc (DVD), or a semiconductor medium.

[0110] The above description is merely a specific embodiment of the present application, but the scope of protection of the present application is not limited thereto. Any changes or substitutions that can be easily conceived by a person skilled in the art within the technical scope presented in the present application should be included in the scope of protection of the present application. Therefore, the scope of protection of the present application should be based on the scope of protection of the claims.

Claims

1. A method for reporting a bank card loss and cancelling a loss report, characterized in that: Applicable to servers, including: Receive a bank card operation request, the bank card operation request carrying ciphertext, the ciphertext being obtained by encrypting plaintext using a pre-stored private key at the terminal, the plaintext including operation information, the operation information being used to indicate a bank card loss report operation or to cancel a bank card loss report operation; Decrypting the ciphertext based on a pre-stored public key to obtain the plaintext, wherein the public key corresponds to the private key, and the public key and the private key constitute a key pair; Perform corresponding operations based on the operation information in the plaintext; The key pair is a universal key pair or a private key pair, the universal key pair is generated based on a predefined algorithm by processing a mobile phone number pre-stored in the server, and the private key pair is generated based on the predefined algorithm by processing the pre-stored mobile phone number and device information of the first terminal, the mobile phone number of the first terminal is the mobile phone number bound to the bank card, and the pre-stored mobile phone number is the mobile phone number of the second terminal; If the bank card operation request is sent by the first terminal, the key pair is the dedicated key pair; if the bank card operation request is sent by the second terminal, the key pair is the universal key pair, and the second terminal is not used to send a request to release the bank card operation.

2. The method according to claim 1, wherein The method further comprises: Generate a key pair based on a predefined algorithm; The private key in the key pair is sent to the terminal.

3. The method according to claim 1, wherein The bank card operation request comes from the first terminal, the plain text also includes a verification code, and the operation information is used to indicate a bank card loss report operation or a cancellation of a bank card loss report operation; as well as Decrypting the ciphertext based on the pre-stored public key to obtain the plaintext includes: Decrypting the ciphertext based on a pre-stored public key to obtain the operation information and the verification code; Verifying the verification code; The performing of corresponding operations based on the operation information in the plain text includes: When the verification code is successfully verified, a corresponding operation is performed based on the operation information in the plain text.

4. The method according to claim 3, wherein When the verification code is successfully verified, performing a corresponding operation based on the operation information in the plain text includes: If the verification code is successfully verified, a verification message is sent to the second terminal based on the pre-stored mobile phone number, wherein the verification message is used to confirm whether the bank card operation request comes from the user to whom the bank card belongs; When a confirmation message is received from the second terminal, a corresponding operation is performed based on the operation information in the plain text.

5. The method according to claim 1, wherein The bank card operation request comes from the second terminal, the ciphertext is obtained by encrypting the plaintext using the private key in the universal key pair, the plaintext also includes a verification code and information about the bank card to be operated, and the operation information is used to indicate a bank card loss report operation; as well as Decrypting the ciphertext based on the pre-stored public key to obtain the plaintext includes: Decrypting the ciphertext based on the public key in the universal key pair to obtain the operation information, the verification code and the bank card information; Verifying the verification code; The performing of corresponding operations based on the operation information in the plain text includes: When the verification code is successfully verified, a corresponding operation is performed based on the operation information in the plain text and the bank card information.

6. A method for reporting and cancelling a bank card loss report, characterized in that: Applied to terminals, including: Encrypting the plaintext based on a pre-stored private key to obtain ciphertext, wherein the plaintext includes operation information, and the operation information is used to indicate an operation of reporting a lost bank card or canceling an operation of reporting a lost bank card; Sending a bank card operation request to a server, wherein the bank card operation request carries the ciphertext, so that the server decrypts the ciphertext based on a pre-stored public key to obtain the plaintext, wherein the public key and the private key constitute a key pair; The key pair is a universal key pair or a private key pair, the universal key pair is generated based on a predefined algorithm by processing a mobile phone number pre-stored in the server, and the private key pair is generated based on the predefined algorithm by processing the pre-stored mobile phone number and device information of the first terminal, the mobile phone number of the first terminal is the mobile phone number bound to the bank card, and the pre-stored mobile phone number is the mobile phone number of the second terminal; If the bank card operation request is sent by the first terminal, the key pair is the dedicated key pair; if the bank card operation request is sent by the second terminal, the key pair is the universal key pair, and the second terminal is not used to send a request to release the bank card operation.

7. The method according to claim 6, wherein The method further comprises: In response to the user's operation, log in to the mobile banking through the bank card account; A private key is received from the server, where the private key and the public key in the server are the same key pair.

8. The method according to claim 6, wherein The terminal is the first terminal, and the bank card information is bound to the first terminal; the plain text also includes a verification code, and the operation information is used to indicate an operation of reporting a lost bank card or canceling an operation of reporting a lost bank card; as well as The method of encrypting the plaintext based on the pre-stored private key to obtain the ciphertext includes: The operation information and the verification code are encrypted based on the pre-stored private key to obtain the ciphertext.

9. The method according to claim 6, wherein The terminal is a second terminal bound to the pre-stored mobile phone number, the plain text also includes a verification code and information about the bank card that needs to be operated, and the operation information is used to indicate an operation to report a lost bank card; as well as The method of encrypting the plaintext based on the pre-stored private key to obtain the ciphertext includes: The operation information, the verification code and the bank card information are encrypted based on the private key in the universal key pair to obtain the ciphertext.

10. A server, characterized in that: include: a communication module configured to receive a bank card operation request, wherein the bank card operation request carries ciphertext, the ciphertext being obtained by encrypting plaintext based on a pre-stored private key, and the plaintext including operation information, the operation information being used to instruct or cancel a bank card loss report operation; a processing module, configured to decrypt the ciphertext based on a pre-stored public key to obtain the plaintext, wherein the public key corresponds to the private key and the public key and the private key constitute a key pair; Perform corresponding operations based on the operation information in the plaintext; The key pair is a universal key pair or a private key pair, the universal key pair is generated based on a predefined algorithm by processing a mobile phone number pre-stored in the server, and the private key pair is generated based on the predefined algorithm by processing the pre-stored mobile phone number and device information of the first terminal, the mobile phone number of the first terminal is the mobile phone number bound to the bank card, and the pre-stored mobile phone number is the mobile phone number of the second terminal; If the bank card operation request is sent by the first terminal, the key pair is the dedicated key pair; If the bank card operation request is sent by the second terminal, the key pair is the universal key pair, and the second terminal is not used to send a request to cancel the bank card operation.

11. A terminal, characterized in that: include: a processing module, configured to encrypt the plaintext based on a pre-stored private key to obtain ciphertext, wherein the plaintext includes operation information, and the operation information is used to indicate an operation of reporting a lost bank card or canceling an operation of reporting a lost bank card; a communication module, configured to send a bank card operation request to a server, wherein the bank card operation request carries the ciphertext, so that the server decrypts the ciphertext based on a pre-stored public key to obtain the plaintext, wherein the public key and the private key constitute a key pair; The key pair is a universal key pair or a private key pair, the universal key pair is generated based on a predefined algorithm by processing a mobile phone number pre-stored in the server, and the private key pair is generated based on the predefined algorithm by processing the pre-stored mobile phone number and device information of the first terminal, the mobile phone number of the first terminal is the mobile phone number bound to the bank card, and the pre-stored mobile phone number is the mobile phone number of the second terminal; If the bank card operation request is sent by the first terminal, the key pair is the dedicated key pair; If the bank card operation request is sent by the second terminal, the key pair is the universal key pair, and the second terminal is not used to send a request to cancel the bank card operation.

12. A device for reporting and cancelling a bank card loss, characterized in that: The invention comprises a processor configured to execute a computer program to implement the method according to any one of claims 1 to 9.

13. A computer-readable storage medium, characterized in that The invention comprises a computer program which, when run on a computer, causes the computer to execute the method according to any one of claims 1 to 9.

14. A computer program product, characterized in that The invention comprises a computer program which, when being executed, causes a computer to execute the method according to any one of claims 1 to 9.

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