Fast payment card binding method and device

Abstract

The application discloses a kind of fast payment card binding method and device, it can be used in financial field, wherein the method comprises: receiving the signing request sent by mobile bank, the signing request carries bank card information and multiple third-party payment agency information;According to the bank card information, the corresponding signing element information is obtained;The signing request and signing element information are sent to each third-party payment agency;Receive the payment account information fed back by each third-party payment agency, generate payment account list;The payment account list is sent to mobile bank;Receive the payment account information to be bound fed back by mobile bank;According to the payment account information to be bound, fast payment card binding is carried out.The application can carry out fast payment card binding, simplify customer operation process, improve the efficiency of card binding, improve customer experience.

Description

Technical Field

[0001] The present invention relates to the financial sector, and more particularly to a method and apparatus for quick payment card binding. It should be noted that the method and apparatus for quick payment card binding of the present invention can be used in the financial sector, as well as in any field other than the financial sector, and the application fields of the method and apparatus for quick payment card binding of the present invention are not limited. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. No statement herein is admitted to be prior art by virtue of its inclusion in this section.

[0003] In recent years, the rapid development of online businesses of third-party payment institutions such as WeChat and Alipay has, to a certain extent, promoted the development of online bank card businesses, especially quick payment transactions. After the bank card is successfully bound and signed on the application APP of the third-party payment institution, the funds in the bank card can be operated through quick payment transactions.

[0004] The existing method of binding bank cards to third-party payment institutions for quick payment contracts requires that when customers want to bind multiple third-party payment institutions, they need to perform separate operations on the application APP of each payment institution. The operation is cumbersome for customers, the customer experience is poor, and it also affects the usage rate of bank cards to a certain extent.

[0005] Therefore, there is an urgent need for a quick payment card binding solution that can overcome the above problems. Summary of the Invention

[0006] An embodiment of the present invention provides a quick payment card binding method for performing quick payment card binding, simplifying the customer operation process, improving card binding efficiency, and enhancing the customer experience. The method includes:

[0007] Receive a contract signing request sent by mobile banking, the contract signing request carrying bank card information and information of multiple third-party payment institutions;

[0008] Obtain corresponding contract element information based on the bank card information;

[0009] Sending the signing request and signing element information to each third-party payment institution;

[0010] Receive payment account information from each third-party payment institution and generate a payment account list;

[0011] Sending the payment account list to mobile banking;

[0012] Receive the payment account information to be bound from mobile banking;

[0013] Perform quick payment card binding based on the payment account information to be bound.

[0014] An embodiment of the present invention provides a quick payment card binding device for performing quick payment card binding, simplifying the customer operation process, improving card binding efficiency, and enhancing the customer experience. The device includes:

[0015] A contract signing request receiving module is used to receive a contract signing request sent by mobile banking, wherein the contract signing request carries bank card information and information of multiple third-party payment institutions;

[0016] An element information acquisition module is used to obtain corresponding contract element information based on the bank card information;

[0017] A signing request sending module, configured to send the signing request and signing element information to each third-party payment institution;

[0018] An account list generation module is used to receive payment account information fed back by each third-party payment institution and generate a payment account list;

[0019] An account list sending module, used to send the payment account list to the mobile banking;

[0020] The account information receiving module is used to receive the payment account information to be bound fed back by the mobile banking;

[0021] The quick payment card binding module is used to perform quick payment card binding based on the payment account information to be bound.

[0022] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned quick payment card binding method when executing the computer program.

[0023] An embodiment of the present invention further provides a computer-readable storage medium storing a computer program, which implements the above-mentioned quick payment card binding method when executed by a processor.

[0024] An embodiment of the present invention further provides a computer program product, which includes a computer program. When the computer program is executed by a processor, it implements the above-mentioned quick payment card binding method.

[0025] The embodiment of the present invention receives a contract signing request sent by mobile banking, wherein the contract signing request carries bank card information and information of multiple third-party payment institutions; obtains corresponding contract signing element information based on the bank card information; sends the contract signing request and contract signing element information to each third-party payment institution; receives payment account information fed back by each third-party payment institution and generates a payment account list; sends the payment account list to mobile banking; receives information on payment accounts to be bound fed back by mobile banking; and performs quick payment card binding based on the information on payment accounts to be bound. In the embodiment of the present invention, customers can select multiple third-party payment institutions at one time through mobile banking and sign contracts with multiple third-party payment institutions in parallel, which effectively simplifies the card binding contract signing process between customers and third-party payment institutions, improves the efficiency of bank card binding, and enhances the customer experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0027] Figure 1 Schematic diagram of a quick payment card binding method in an embodiment of the present invention;

[0028] Figure 2 This is a flowchart of quick payment card binding in a specific embodiment of the present invention;

[0029] Figure 3 This is a structural diagram of a quick payment card binding device in an embodiment of the present invention;

[0030] Figure 4 This is a structural diagram of another quick payment card binding device in an embodiment of the present invention;

[0031] Figure 5 Schematic diagram of the computer device structure according to an embodiment of the present invention. DETAILED DESCRIPTION

[0032] To make the objectives, technical solutions, and advantages of the embodiments of the present invention more clearly understood, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The illustrative embodiments of the present invention and their descriptions are provided herein to explain the present invention but are not intended to limit the present invention. The acquisition, storage, use, and processing of data in the technical solutions of this application comply with the relevant provisions of national laws and regulations.

[0033] First, the technical terms in the embodiments of the present invention are introduced:

[0034] Third-party payment: refers to an independent institution with certain strength and credibility, which facilitates online payment mode of transactions between two parties by connecting with UnionPay or China National Network Payment Corporation.

[0035] Third-party payment institution: refers to a non-financial institution that can engage in related payment business after obtaining a "Payment Business License" issued by the People's Bank of China.

[0036] China UnionPay: It is the operating organization of the online payment clearing platform of non-bank payment institutions approved by the People's Bank of China.

[0037] Silent card binding for quick payment: refers to the system automatically completing quick payment card binding for customers after the bank and the third-party payment institution verify the customer's bank card number, customer name, ID type, ID number, mobile phone number and other information through the background interface. The customer does not need to jump between the bank APP and the third-party payment APP to achieve this, thereby improving the customer's quick payment card binding experience.

[0038] In order to perform quick payment card binding, simplify customer operation process, improve card binding efficiency, and enhance customer experience, the embodiment of the present invention provides a quick payment card binding method, such as Figure 1 As shown, the method may include:

[0039] Step 101: Receive a contract signing request sent by mobile banking, wherein the contract signing request carries bank card information and information of multiple third-party payment institutions;

[0040] Step 102: Obtain corresponding contract element information based on the bank card information;

[0041] Step 103: Send the contract signing request and contract signing element information to each third-party payment institution;

[0042] Step 104: Receive payment account information fed back by each third-party payment institution and generate a payment account list;

[0043] Step 105: Send the payment account list to the mobile banking;

[0044] Step 106: Receive the payment account information to be bound fed back by the mobile banking;

[0045] Step 107: perform quick payment card binding based on the payment account information to be bound.

[0046] Depend on Figure 1As shown, the embodiment of the present invention receives a contract signing request sent by mobile banking, wherein the contract signing request carries bank card information and information of multiple third-party payment institutions; obtains corresponding contract signing element information based on the bank card information; sends the contract signing request and contract signing element information to each third-party payment institution; receives payment account information fed back by each third-party payment institution and generates a payment account list; sends the payment account list to mobile banking; receives information on payment accounts to be bound fed back by mobile banking; and performs quick payment card binding based on the information on payment accounts to be bound. In the embodiment of the present invention, customers can select multiple third-party payment institutions at one time in mobile banking and sign contracts with multiple third-party payment institutions in parallel, which effectively simplifies the card binding contract signing process between customers and third-party payment institutions, improves the efficiency of bank card binding, and enhances customer experience.

[0047] Each step is analyzed in detail below.

[0048] In step 101, a contract signing request sent by mobile banking is received, wherein the contract signing request carries bank card information and information of multiple third-party payment institutions.

[0049] During specific implementation, a list of third-party payment institutions will be provided for customers to choose from in the one-click card binding function of the mobile banking app, where the list of third-party payment institutions supported by the banking system can be parameterized and maintained. A check box will be provided after each third-party payment institution, and multiple third-party payment institutions can be checked at the same time. After the check is completed, the interface for agreeing to the "Service Agreement" will be entered. In the "Service Agreement" check interface, based on the customer's selection, the mobile banking app will display the third-party payment institution and bank card information to be signed, a prompt for the authorization element information to perform the signing operation, and a "Service Agreement" combination, including the text of the contract between the bank and the customer and the text of the contract between the selected third-party payment institution and the customer. The customer checks "I have read and agreed to the "Service Agreement"" to initiate a signing request.

[0050] In step 102, corresponding contract element information is obtained based on the bank card information.

[0051] In one embodiment, the contract element information includes: customer name, ID type, ID number, mobile phone number, and bank card number.

[0052] During specific implementation, the contract element information such as name, ID type, ID number, mobile phone number, bank card number, etc. reserved by the customer is obtained based on the bank card information (such as bank card number) specified by the customer on the mobile banking.

[0053] In step 103, the signing request and signing element information are sent to each third-party payment institution.

[0054] In one embodiment, the signing request and signing element information are sent to each third-party payment institution, including: sending the signing request and signing element information to the UnionPay system for message legitimacy verification, and forwarding the signing request and signing element information that pass the verification to each third-party payment institution.

[0055] In practice, the five key elements of the contract and the contract request are first sent to the China UnionPay platform. After verification of the legitimacy of the message, the platform then forwards the five key elements and the contract request initiated by the customer to the third-party payment institution. If the customer selects multiple third-party payment institutions, the bank's back-end system can initiate contract requests to multiple third-party payment institutions in parallel.

[0056] In step 104, the payment account information fed back by each third-party payment institution is received, and a payment account list is generated.

[0057] In one embodiment, the payment account information is fed back as follows:

[0058] After receiving the signing request, each third-party payment institution verifies the signing element information;

[0059] Based on the verified signing element information, the payment account information is fed back.

[0060] In one embodiment, receiving payment account information fed back by each third-party payment institution includes: receiving payment account information that has passed verification and forwarded by the UnionPay system, where the forwarded payment account information is obtained by the UnionPay system performing message legitimacy verification on the payment account information sent by each third-party payment institution.

[0061] During specific implementation, the third-party payment institution verifies the customer's bank card number, name, ID type, ID number, mobile phone number and other contract elements in the contract request. The third-party payment institution will return the verification results and the payment account opened by the customer at the payment institution to the bank's back-end system after the legitimacy of the message is verified by the China UnionPay platform. When receiving the verification results from the third-party payment institution, the bank's back-end system sets a time limit for receiving them. If the time limit is exceeded or the third-party payment institution does not feedback the results, the verification is deemed to have failed. For third-party payment institutions that have passed the verification, the bank's mobile banking app will display the payment account list returned by these payment institutions to the customer.

[0062] In step 105, the payment account list is sent to the mobile banking.

[0063] To implement this, customers will select the payment account of the third-party payment institution to which they wish to bind their bank card from the payment account list. Each third-party payment institution can select one payment account for binding. If a third-party payment institution returns multiple payment accounts, customers can select the one they wish to bind.

[0064] In step 106, the payment account information to be bound fed back by the mobile banking is received.

[0065] In one embodiment, after receiving the payment account information to be bound fed back by the mobile banking, the following steps are further included:

[0066] Send SMS verification code to the customer's mobile phone;

[0067] Receive and verify the SMS verification code sent by mobile banking;

[0068] If the verification is passed, quick payment card binding will be performed based on the payment account information to be bound.

[0069] During specific implementation, based on the payment account selected by the customer, the bank's back-end system will send a text message verification code to the customer's mobile phone number. If the customer selects multiple payment accounts, the text message verification code will only be sent once.

[0070] In step 107, quick payment card binding is performed according to the payment account information to be bound.

[0071] During the specific implementation, the customer enters the SMS verification code sent by the bank. After the bank's back-end system verifies it, the card is bound and the contract is signed, and an agreement number is generated. On the one hand, the contract signing result and agreement information are fed back to various payment institutions through China UnionPay; on the other hand, the successful contract signing is shown to the customer, and a SMS notification of successful contract signing is sent.

[0072] In this embodiment of the present invention, customers can select multiple third-party payment institutions at once through a bank's mobile banking app. The bank's back-end system supports simultaneous initiation of quick payment card binding agreements with multiple third-party payment institutions. The bank's back-end system collects the five-factor verification results and payment accounts of multiple third-party payment institutions, creates a payment account list, and displays it to the customer for selection. Customers only need to verify the SMS verification code once, and the bank's back-end system automatically completes the card binding agreements with multiple third-party payment institutions.

[0073] Customers can select multiple third-party payment institutions at once on the bank's mobile banking app. The bank's back-end system will then initiate quick payment card binding agreements with these payment institutions simultaneously, eliminating the need to navigate to the third-party payment institution's app. The bank's back-end system sends the five key contract information—bank card number, name, ID type, ID number, and mobile phone number—to the third-party payment institution via the China UnionPay platform for verification. Once the third-party payment institution passes the verification, it returns the customer's payment account at that payment institution to the bank's back-end system. The bank's back-end system then compiles this payment account information, creates a list of payment accounts, and displays it to the customer for selection. After selecting a payment account on the bank's mobile banking app, the customer undergoes a text message verification code verification process. The bank's back-end system then automatically completes quick payment card binding agreements with multiple third-party payment institutions.

[0074] The following is a specific example to illustrate the specific application of quick payment card binding in the embodiment of the present invention. Figure 2 As shown, in this specific embodiment, quick payment card binding is performed according to the following process:

[0075] Step 1: The customer selects the bank card number to be signed and the third-party payment institution on the bank's mobile banking app, and submits the signing application to the bank's back-end system.

[0076] Step 2: The bank's back-end system forwards the customer's five contract-related information, including bank card number, name, ID type, ID number, and mobile phone number, to a third-party payment institution via the UnionPay platform for customer information verification.

[0077] Step 3: The bank's back-end system receives the verification results fed back by the third-party payment institution and the payment account opened by the customer at the third-party payment institution.

[0078] Step 4: The bank’s mobile banking app displays a list of payment accounts of the third-party payment institution to the customer.

[0079] Step 5: The customer selects the payment account. A third-party payment institution may return multiple payment accounts. The customer selects a payment account under the payment institution to bind to the bank card.

[0080] Step 6: After the customer submits the payment account to be bound, the bank's back-end system will send a text message verification code to the customer. If the customer selects multiple institutional payment accounts, the text message verification code will only be sent once.

[0081] Step 7: The customer enters the SMS verification code on the bank's mobile banking app. After successful verification by the bank's back-end system, the card binding contract is automatically completed, an agreement number is generated, and the contract result and agreement information are sent to the third-party payment institution through the China UnionPay platform. The third-party payment institution records the card binding contract information in the back-end system.

[0082] Step 8: The bank’s mobile banking app shows the customer that the contract has been signed successfully, and the bank’s back-end system sends a text message notification to the customer.

[0083] This embodiment of the present invention enables simultaneous binding of a customer's bank card with multiple third-party payment institutions. This eliminates the need for customers to interact with the various third-party payment institutions' apps. Instead, the system automatically binds and signs the card through information exchange between the bank's back-end system and the third-party payment institutions. This reduces customer effort and improves the customer experience. Furthermore, it increases bank card usage efficiency and promotes the development of bank card services.

[0084] Based on the same inventive concept, the present invention also provides a quick payment card binding device, as described in the following embodiments. Since the principles of solving these problems are similar to those of the quick payment card binding method, the implementation of the quick payment card binding device can refer to the implementation of the method, and the repeated parts will not be repeated.

[0085] Figure 3 FIG is a structural diagram of a quick payment card binding device according to an embodiment of the present invention. Figure 3 As shown, the quick payment card binding device includes:

[0086] The contract signing request receiving module 301 is used to receive a contract signing request sent by mobile banking, wherein the contract signing request carries bank card information and information of multiple third-party payment institutions;

[0087] The element information acquisition module 302 is used to obtain the corresponding contract element information based on the bank card information;

[0088] The signing request sending module 303 is used to send the signing request and signing element information to each third-party payment institution;

[0089] An account list generating module 304 is configured to receive payment account information fed back by each third-party payment institution and generate a payment account list;

[0090] An account list sending module 305 is used to send the payment account list to the mobile banking;

[0091] The account information receiving module 306 is used to receive the payment account information to be bound fed back by the mobile banking;

[0092] The quick payment card binding module 307 is used to perform quick payment card binding according to the payment account information to be bound.

[0093] In one embodiment, the payment account information is fed back as follows:

[0094] After receiving the signing request, each third-party payment institution verifies the signing element information;

[0095] Based on the verified signing element information, the payment account information is fed back.

[0096] In one embodiment, the signing request sending module is further configured to: send the signing request and signing element information to the NetsUnion system for message legitimacy verification, and forward the signing request and signing element information that pass the verification to each third-party payment institution;

[0097] The account list generation module is further used to: receive the verified payment account information forwarded by the UnionPay system, where the forwarded payment account information is obtained by the UnionPay system performing message legitimacy verification on the payment account information sent by each third-party payment institution.

[0098] In one embodiment, if Figure 4 As shown, the quick payment card binding device also includes:

[0099] Verification code sending module 308, used to send SMS verification code to the client's mobile phone;

[0100] Verification code verification module 309, for receiving and verifying the SMS verification code sent by mobile banking;

[0101] The quick payment card binding module is further configured to: if the verification is passed, perform quick payment card binding according to the payment account information to be bound.

[0102] Based on the above invention concept, Figure 5 As shown, an embodiment of the present invention further provides a computer device 500, including a memory 510, a processor 520, and a computer program 530 stored in the memory 510 and executable on the processor 520, wherein the processor 520 implements the above-mentioned quick payment card binding method when executing the computer program 530.

[0103] Based on the aforementioned inventive concept, an embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the aforementioned quick payment card binding method is implemented.

[0104] An embodiment of the present invention further provides a computer program product, which includes a computer program. When the computer program is executed by a processor, it implements the above-mentioned quick payment card binding method.

[0105] The embodiment of the present invention receives a contract signing request sent by mobile banking, wherein the contract signing request carries bank card information and information of multiple third-party payment institutions; obtains corresponding contract signing element information based on the bank card information; sends the contract signing request and contract signing element information to each third-party payment institution; receives payment account information fed back by each third-party payment institution and generates a payment account list; sends the payment account list to mobile banking; receives information on payment accounts to be bound fed back by mobile banking; and performs quick payment card binding based on the information on payment accounts to be bound. In the embodiment of the present invention, customers can select multiple third-party payment institutions at one time through mobile banking and sign contracts with multiple third-party payment institutions in parallel, which effectively simplifies the card binding contract signing process between customers and third-party payment institutions, improves the efficiency of bank card binding, and enhances the customer experience.

[0106] It will be understood by those skilled in the art that embodiments of the present invention may be provided as methods, systems, or computer program products. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0107] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowcharts and / or block diagrams, as well as combinations of processes and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowcharts and / or block diagrams. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0108] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0109] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0110] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A quick payment card binding method, characterized in that: include: Receive a contract signing request sent by mobile banking, the contract signing request carrying bank card information and information of multiple third-party payment institutions; Obtain corresponding contract element information based on the bank card information; Sending the signing request and signing element information to each third-party payment institution; Receive payment account information from each third-party payment institution and generate a payment account list; Sending the payment account list to mobile banking; Receive the payment account information to be bound from mobile banking; Perform quick payment card binding based on the payment account information to be bound; The payment account information is fed back as follows: After receiving the signing request, each third-party payment institution verifies the signing element information; Feedback payment account information based on the verified contract element information; Sending the contract signing request and contract signing element information to each third-party payment institution, including: sending the contract signing request and contract signing element information to the NetsUnion system for message legitimacy verification, and forwarding the contract signing request and contract signing element information that pass the verification to each third-party payment institution; Receiving payment account information fed back by each third-party payment institution, including: receiving verified payment account information forwarded by the NetsUnion system. The forwarded payment account information is obtained by the NetsUnion system through message legitimacy verification of the payment account information sent by each third-party payment institution; After receiving the payment account information to be bound fed back by the mobile banking, the process also includes: sending a text message verification code to the customer's mobile phone; receiving the text message verification code sent by the mobile banking and verifying it; if the verification passes, performing quick payment card binding based on the payment account information to be bound; Among them, a list of third-party payment institutions is set up in the one-click card binding function of the mobile banking APP for customers to choose, and the list of third-party payment institutions supported by the bank system is parameterized and maintained; the five-factor contract information and the contract request are first sent to the UnionPay platform, and after the UnionPay platform verifies the legitimacy of the message, the five-factor contract information and the contract request initiated by the customer are forwarded to the third-party payment institution; if the customer selects multiple third-party payment institutions, the bank's back-end system initiates contract requests to multiple third-party payment institutions in parallel; the third-party payment institution verifies the customer's bank card number, name, ID type, ID number, and mobile phone number in the contract request; the third-party payment institution verifies the verification result and the customer's ID number in the contract The payment account opened by the payment institution is returned to the bank's back-end system after the legitimacy of the message is verified by the China UnionPay platform; the bank's back-end system sets a time limit for receiving the verification result of the third-party payment institution. If the time limit is exceeded or the third-party payment institution does not feedback the result, it is regarded as a verification failure; for third-party payment institutions that have passed the verification, the bank's mobile banking APP shows the customer a list of payment accounts returned by these payment institutions; from the payment account list, the customer checks the payment account of the third-party payment institution to which the bank card is to be bound; each third-party payment institution selects one payment account for binding; if a third-party payment institution returns multiple payment accounts, the customer independently selects one payment account for binding.

2. A quick payment card binding device, characterized in that: include: A contract signing request receiving module is used to receive a contract signing request sent by mobile banking, wherein the contract signing request carries bank card information and information of multiple third-party payment institutions; An element information acquisition module is used to obtain corresponding contract element information based on the bank card information; A signing request sending module, configured to send the signing request and signing element information to each third-party payment institution; An account list generation module is used to receive payment account information fed back by each third-party payment institution and generate a payment account list; An account list sending module, used to send the payment account list to the mobile banking; The account information receiving module is used to receive the payment account information to be bound fed back by the mobile banking; A quick payment card binding module is used to perform quick payment card binding based on the payment account information to be bound; The payment account information is fed back as follows: After receiving the signing request, each third-party payment institution verifies the signing element information; Feedback payment account information based on the verified contract element information; The signing request sending module is further configured to: send the signing request and signing element information to the NetsUnion system for message legitimacy verification, and forward the signing request and signing element information that pass the verification to each third-party payment institution; The account list generation module is further configured to: receive verified payment account information forwarded by the NetsUnion system, where the forwarded payment account information is obtained by the NetsUnion system performing a message legitimacy verification on the payment account information sent by each third-party payment institution; The system also includes: a verification code sending module for sending a text message verification code to the customer's mobile phone; a verification code verification module for receiving and verifying the text message verification code sent by the mobile banking; and the quick payment card binding module is further configured to: if the verification passes, perform quick payment card binding according to the payment account information to be bound; Among them, a list of third-party payment institutions is set up in the one-click card binding function of the mobile banking APP for customers to choose, and the list of third-party payment institutions supported by the bank system is parameterized and maintained; the five-factor contract information and the contract request are first sent to the UnionPay platform, and after the UnionPay platform verifies the legitimacy of the message, the five-factor contract information and the contract request initiated by the customer are forwarded to the third-party payment institution; if the customer selects multiple third-party payment institutions, the bank's back-end system initiates contract requests to multiple third-party payment institutions in parallel; the third-party payment institution verifies the customer's bank card number, name, ID type, ID number, and mobile phone number in the contract request; the third-party payment institution verifies the verification result and the customer's ID number in the contract The payment account opened by the payment institution is returned to the bank's back-end system after the legitimacy of the message is verified by the China UnionPay platform; the bank's back-end system sets a time limit for receiving the verification result of the third-party payment institution. If the time limit is exceeded or the third-party payment institution does not feedback the result, it is regarded as a verification failure; for third-party payment institutions that have passed the verification, the bank's mobile banking APP shows the customer a list of payment accounts returned by these payment institutions; from the payment account list, the customer checks the payment account of the third-party payment institution to which the bank card is to be bound; each third-party payment institution selects one payment account for binding; if a third-party payment institution returns multiple payment accounts, the customer independently selects one payment account for binding.

3. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the computer program, the method according to claim 1 is implemented.

4. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to claim 1 is implemented.

5. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the method according to claim 1 is implemented.

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