Response method, electronic device, and storage medium based on financial IC card activation request

Abstract

The embodiment of the present application provides a response method, electronic device, and storage medium based on a financial IC card activation request. It can be used in the field of financial IC cards. The method includes: responding to a card-making request uploaded by a first object, if the card-making type indicated by the card-making request includes a virtual card and a real card, forwarding the card-making request to a card-making system, and receiving the real card number and the virtual card number fed back by the card-making system based on the card-making request; associating the real card number and the virtual card number, generating association information, and forwarding the association information to a card-making factory to obtain the pre-made card information fed back by the card-making factory; if a card-activation request triggered by a second object is received, obtaining the identity information carried by the card-activation request; binding the identity information with the pre-made card information, and sending the bound pre-made card information to the second object to respond to the card-activation request.

Description

Technical Field

[0001] The present application relates to the field of financial IC cards, and in particular to a response method, electronic device, and storage medium based on a financial IC card activation request. Background Art

[0002] With the continuous development of financial technology, the functions and application scenarios of social security cards, as an important carrier of financial services and social security, are becoming increasingly rich. As an innovative product, the dual-account financial social security IC card integrates financial accounts and social security accounts, providing users with a more convenient service experience. However, due to the special mode of this card with two card numbers, two identity authentications and two card activations are required during the processing, making the business process relatively lengthy, especially for special groups such as minors, the processing time is as long as more than 40 minutes, which brings inconvenience to users.

[0003] Furthermore, there is an urgent need for a technical solution that can respond to card opening requests through one-time identity authentication, simplify business processes and improve processing efficiency. Summary of the invention

[0004] The embodiment of the present application provides a response method, electronic device, and storage medium based on a financial IC card activation request, so as to achieve a technical solution for responding to a card activation request through a one-time identity authentication, simplify the business process, and improve the processing efficiency.

[0005] In a first aspect, an embodiment of the present application provides a response method based on a financial IC card activation request, comprising: responding to a card making request uploaded by a first object, if the card making type indicated by the card making request includes a virtual card and a real card, forwarding the card making request to a card making system, and receiving the real card number and the virtual card number fed back by the card making system based on the card making request; associating the real card number and the virtual card number, generating association information, and forwarding the association information to a card making factory to obtain pre-made card information fed back by the card making factory; if a card activation request triggered by a second object is received, obtaining the identity information carried by the card activation request; binding the identity information with the pre-made card information, and sending the bound pre-made card information to the second object to respond to the card activation request.

[0006] In the second aspect, an embodiment of the present application provides a response device based on a financial IC card activation request, including: a forwarding module, used to respond to a card making request uploaded by a first object, if the card making type indicated by the card making request includes a virtual card and a real card, then forward the card making request to the card making system, and receive the real card number and the virtual card number fed back by the card making system based on the card making request; an association module, which associates the real card number and the virtual card number, generates association information, and forwards the association information to the card making factory to obtain the pre-made card information fed back by the card making factory; an acquisition module, which is used to obtain the identity information carried by the card opening request if a card opening request triggered by a second object is received; a response module, which is used to bind the identity information with the pre-made card information, and send the bound pre-made card information to the second object to respond to the card opening request.

[0007] In a third aspect, an embodiment of the present application provides a response device based on a financial IC card activation request, including: a memory, a processor;

[0008] The memory stores computer-executable instructions;

[0009] The processor executes the computer-executable instructions stored in the memory, so that the processor executes the above first aspect and / or various possible implementations of the first aspect.

[0010] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, they are used to implement the first aspect above and / or various possible implementations of the first aspect.

[0011] In a fifth aspect, an embodiment of the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the above first aspect and / or various possible implementation methods of the first aspect.

[0012] The response method, device, electronic device, storage medium and program product based on the financial IC card opening request provided in the embodiment of the present application respond to the card making request uploaded by the first object. If the card making type indicated by the card making request includes virtual card and real card, the card making request is forwarded to the card making system, and the real card number and the virtual card number fed back by the card making system based on the card making request are received, and the pre-made card information is obtained according to the association relationship between the real card number and the virtual card number. When the second object triggers the card opening request, the system will obtain the identity information carried by the card opening request and bind the identity information with the pre-made card information. This binding process actually associates the identity information of the second object with the pre-made card information in the card making system, ensuring the uniqueness and accuracy of the user identity. Subsequently, the system sends the bound pre-made card information to the card making factory to complete the production of the pre-made card. This step ensures the personalized customization of the pre-made card, and also ensures the security and reliability of the pre-made card. Finally, when the second party receives the pre-made card, the system will send the bound pre-made card information to the second party to respond to its card opening request, thereby achieving the effect of responding to the card opening request through one-time identity authentication, simplifying the business process and improving processing efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0013] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0014] Figure 1 Schematic diagram of a financial IC card activation request scenario in the relevant field provided for this application;

[0015] Figure 2 A process diagram of a response method based on a financial IC card activation request provided in this application Figure 1 ;

[0016] Figure 3 A schematic diagram of a card making request process based on a response method for a financial IC card activation request provided in this application;

[0017] Figure 4 A schematic diagram of a card activation request process based on a financial IC card activation request response method provided in this application;

[0018] Figure 5 A schematic diagram of the structure of a response device based on a financial IC card activation request provided by the present application;

[0019] Figure 6 A schematic diagram of the structure of a response device based on a financial IC card activation request provided in this application.

[0020] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0021] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0022] First, the terms involved in this application are explained:

[0023] One-card dual-account financial and social security IC card: One-card dual-account financial and social security IC card is physically a card, which actually corresponds to two physical card numbers in the core system, corresponding to the ordinary debit card financial account opened in the core and the personal medical insurance account.

[0024] Social security physical card: One of the two physical card numbers corresponding to the one-card dual-account financial social security IC card, corresponding to the ordinary debit card financial account opened in the core.

[0025] Social security virtual card: One of the two physical card numbers corresponding to the dual-account financial social security IC card, corresponding to the personal medical insurance account opened in the core.

[0026] Pre-made card: A blank card that is pre-made before being sent to the customer and does not contain any customer information.

[0027] Figure 1 A schematic diagram of a financial IC card activation request scenario in a related field provided for this application, such as Figure 1 As shown in the figure, the specific application scenario of this application. Because the dual-account financial social security IC card has a special mode of two card numbers, the current application of such IC cards (for example, social security cards) requires two identity authentications and two card activations, and the business process is relatively long, especially for minors to apply for social security card business, which takes at least 40 minutes.

[0028] In combination with the above scenario, it can be seen that in the prior art, due to the characteristics of the dual-account IC card, there is a technical problem that two identity authentications and two card activations are required during the handling process, making the business process relatively lengthy.

[0029] The response method based on the financial IC card activation request provided in the present application solves the technical problem of the current lengthy card activation process by establishing an association between the real card and the virtual card in advance before the user applies for the IC card, and then issuing the card with the established association when the user applies for the IC card.

[0030] It should be noted that the method and device for responding to a financial IC card activation request based on the present application can be used in the field of financial IC cards, and can also be used in any field other than the field of financial IC cards. The application field of the method and device for responding to a financial IC card activation request based on the present application is not limited.

[0031] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0032] Figure 2 A process diagram of a response method based on a financial IC card activation request provided in this application Figure 1 ,like Figure 2 As shown, the method includes:

[0033] S201, in response to a card making request uploaded by a first object, if the card making type indicated by the card making request includes a virtual card and a real card, forward the card making request to a card making system, and receive a real card number and a virtual card number fed back by the card making system based on the card making request;

[0034] Optionally, the card making request may be a request for making a one-card dual-account financial social security IC card, and then the virtual card is a social security virtual card, and the real card is a social security real card.

[0035] Optionally, the first object is a staff member or terminal with card-making authority, for example, a teller at a counter for processing social security cards or a machine for self-service processing of social security cards;

[0036] Optionally, the card making request may also be a card making request for other one-card-multiple-accounts.

[0037] like Figure 3 As shown, Figure 3 A schematic diagram of a card making request process based on a response method for a financial IC card activation request provided in this application:

[0038] The first object initiates a batch of social security real and virtual pre-made card applications in the card making system. After approval, the card making system sends the real card pre-made card application data and the virtual card pre-made card application data to the debit card system in two online and real-time times. The debit card system generates the pre-made card making file. The debit card system generates the pre-made card making file in real time and sends it to the card making system. At the same time, the card making system generates the real and virtual card association relationship in batches and saves it in the database. After the above is completed, the card making system sends all the information to the card factory for card making.

[0039] S202, associating the real card number with the virtual card number to generate association information, and forwarding the association information to a card manufacturing factory to obtain pre-made card information fed back by the card manufacturing factory;

[0040] Optionally, by associating the real card number with the virtual card number, it is possible to ensure that each physical card has a correct correspondence with its corresponding virtual card. After this association information is forwarded to the card manufacturing factory, the factory can quickly produce pre-made cards that meet the requirements based on this information, thereby improving the efficiency of the entire card manufacturing process.

[0041] S203: if a card activation request triggered by the second object is received, obtaining identity information carried in the card activation request;

[0042] Optionally, the second object is a person or terminal applying for a card, for example, a user applying for a social security card or a machine for self-service social security card application;

[0043] like Figure 4 As shown, Figure 4 A schematic diagram of a card activation request process based on a response method for a financial IC card activation request provided in this application:

[0044] The second object initiates a card activation transaction in the system to the process connection system. Because only the real card number can be swiped when swiping the card, the process connection system needs to call the card making system to query the virtual card number corresponding to the real card. After obtaining the virtual card number, the process connection system sends the information of both the real card and the virtual card to the debit card system for card activation. After receiving the request, the debit card system uses a service to open the real card, open the virtual card, and establish the association between the real and virtual cards. Then, it calls the re-empty management system to update the re-empty status of the blank card to used. After all of the above are successful, the processing results are returned to the process connection system, and the process connection system returns it to the front-end system in front of the counter.

[0045] S204: Bind the identity information with the pre-made card information, and send the bound pre-made card information to the second object to respond to the card activation request.

[0046] That is, when users receive a pre-made card tied to their identity, they can directly use the card for related services without having to go through additional identity verification steps. This greatly improves user convenience and satisfaction.

[0047] The embodiment of the present application provides a response method based on a financial IC card opening request. By responding to a card making request uploaded by a first object, if the card making type indicated by the card making request includes a virtual card and a real card, the card making request is forwarded to the card making system, and the real card number and the virtual card number fed back by the card making system based on the card making request are received, and the pre-made card information is obtained according to the association relationship between the real card number and the virtual card number. When the second object triggers the card opening request, the system will obtain the identity information carried by the card opening request and bind the identity information with the pre-made card information. This binding process actually associates the identity information of the second object with the pre-made card information in the card making system, ensuring the uniqueness and accuracy of the user identity. Subsequently, the system sends the bound pre-made card information to the card making factory to complete the production of the pre-made card. This step ensures the personalized customization of the pre-made card, while also ensuring the security and reliability of the pre-made card. Finally, when the second party receives the pre-made card, the system will send the bound pre-made card information to the second party to respond to its card opening request, thereby achieving the effect of responding to the card opening request through one-time identity authentication, simplifying the business process and improving processing efficiency.

[0048] In an optional embodiment, an activation query instruction is initiated to the card-making system according to the real card number and the virtual card number in the pre-made card information to obtain a query result, wherein the query instruction is used to query the activation status corresponding to the virtual card number and the real card number respectively; if the query result indicates that both the real card number and the virtual card number are not enabled, an activation request is initiated to the card-making system, wherein the activation request is used to instruct the card-making system to modify the activation status of the real card number and the virtual card number; if feedback information confirming the activation is received from the card-making system based on the activation request, it is determined to bind the identity information with the pre-made card information.

[0049] The system first sends an activation query command to the card-making system based on the real card number and the virtual card number in the pre-made card information. The purpose of this query command is to confirm whether the two card numbers have been activated. If the query result shows that both card numbers are not activated, it means that both card numbers are new cards. The system will send an activation request to the card-making system, which instructs the card-making system to change the status of the two card numbers from "not activated" to "activated". This step ensures that users can use the cards immediately after receiving them. This step can prevent the card numbers from being reused.

[0050] The system will determine to bind the identity information with the pre-made card information only after receiving the feedback information of confirmation of activation issued by the card making system based on the activation request. This means that only when it is confirmed that the card has been successfully activated, the system will complete the final binding operation to ensure that the user's identity information matches the actual available card. By querying and confirming the activation status of the card, unauthorized cards can be prevented from being misused or abused. Subsequent identity binding will only be performed when the card is in the correct activation state, which increases the security of the system.

[0051] In an optional embodiment, card reading information from a card reading device is received, and a real card number carried in the card reading information is identified, wherein the card reading information is obtained by the card reading device reading premade card information corresponding to the premade card; if the real card number is read successfully, it is determined that the second object triggers a card opening request.

[0052] Optionally, the card reader device can be an IC card reader device for reading information of a pre-made IC card. The system first receives card reading information from the card reader device. This information is obtained by the card reader device when reading a pre-made card, and contains detailed information of the pre-made card, including the real card number.

[0053] The system will analyze the card reading information and extract the real card number from it. This step is to confirm that the card used by the user is indeed theirs and has been issued by the system before.

[0054] If the system can successfully read the real card number, it means that the user has correctly used their pre-made card to perform the operation. At this point, the system will determine that the second object has indeed triggered the card opening request.

[0055] In an optional embodiment, the real card number is matched with a pre-stored card number library to obtain a matching result; wherein the card number library at least includes: multiple pre-stored real card numbers, multiple pre-stored virtual card numbers, and an association between the multiple pre-stored real card numbers and the pre-stored virtual card numbers; when the matching result indicates that there is a pre-stored real card number in the card number library that is consistent with the real card number, it is determined that the real card number is read successfully.

[0056] The system matches the identified real card number with the pre-stored card number library. The card number library is a database containing multiple pre-stored real card numbers, multiple pre-stored virtual card numbers, and the associations between these numbers. Through matching, the system can verify whether the read real card number is valid, that is, whether it exists in the card number library. If the matching result shows that there is a pre-stored real card number in the card number library that is consistent with the read real card number, the system determines that the real card number is read successfully. This means that the card used by the user is valid and has been verified by the system. By matching with the pre-stored card number library, the system can ensure that only registered and valid cards in the system can be identified and used. This increases the security of the system and prevents false or stolen cards from entering the system.

[0057] In an optional embodiment, the identity information is verified to obtain a first verification result, and whether to respond to the card activation request is determined based on the first verification result; if the first verification result meets a first preset condition, it is determined to respond to the card activation request; wherein the first preset condition includes at least one of the following: the first validity date of the identity information is greater than or equal to the current date; the age information corresponding to the identity information is greater than or equal to a preset threshold, and the card activation request carries a target file.

[0058] The system first obtains the identity information carried in the card opening request triggered by the second object. This information usually includes the user's personal information, such as name, ID number, etc. The system verifies the obtained identity information and obtains a first verification result. The purpose of the verification is to ensure that the identity information provided by the user is true and valid and meets specific conditions. Based on the first verification result, the system determines whether the first preset condition is met. If it is met, the system will determine to respond to the card opening request; if it is not met, the request may be rejected or the user may be required to provide more information.

[0059] The first preset condition includes at least one of the following:

[0060] The first valid date of the identity information (such as the validity period of the identity card) is greater than or equal to the current date, ensuring that the identity information is still valid.

[0061] The age information corresponding to the identity information is greater than or equal to the preset threshold to ensure that the user reaches the legal age or meets the age requirement for a specific service.

[0062] The target file carried in the card opening request means that the user needs to provide certain specific documents or certificates to meet the conditions for card opening, such as: identity information authorization document, signature document of guardian's consent, etc.

[0063] Improved security: By verifying identity information, the system can ensure that only users who provide real and valid identity information can open the card. This increases the security of the system and prevents unauthorized access or fraud.

[0064] In an optional embodiment, if the first verification result does not meet the first preset condition, a first prompt message is generated based on the first verification result, and the first prompt message is sent to the second object and / or the first object; in response to receiving a first modification application issued by the second object and / or the first object, re-verification is performed according to the modification of identity information and / or modification of pre-made card information indicated by the modification application.

[0065] The system will check whether the verification result meets the preset conditions set previously. If the verification result does not meet the preset conditions, the system will generate corresponding first prompt information according to the specific reason for the verification failure. These prompt information may include why the verification failed and what measures need to be taken to solve the problem.

[0066] The system sends the generated first prompt information to the second object (i.e., the user) and / or the first object (the system administrator or other relevant personnel). In this way, the relevant personnel can understand the specific reasons for the verification failure and take action accordingly. If the second object and / or the first object decides to modify the identity information or pre-made card information after receiving the prompt information, they will send a first modification application to the system. This application will indicate the specific content that needs to be modified. After receiving the modification application, the system will update the identity information and / or pre-made card information according to the modification content indicated in the application and re-verify. This ensures that only correctly modified information will be accepted for subsequent operations.

[0067] In an optional embodiment, the pre-made card information is verified to obtain a second verification result, and whether to respond to the card activation request is determined based on the second verification result; if the second verification result meets a second preset condition, it is determined to respond to the card activation request; wherein the second preset condition includes at least one of the following: the second validity date of the pre-made card information is greater than or equal to the current date; the activation status of any information in the pre-made card information is not enabled.

[0068] The system first obtains the pre-made card information associated with the user's identity information. This information usually includes detailed information of the card, such as card number, expiration date, etc. The system will verify the obtained pre-made card information and obtain a second verification result. The purpose of the verification is to ensure that the pre-made card information provided by the user is authentic and valid and meets specific conditions. Based on the second verification result, the system will determine whether the second preset condition is met. If it is met, the system will determine to respond to the card opening request; if it is not met, the request may be rejected or the user may be required to provide more information.

[0069] Second preset condition: The second preset condition includes at least one of the following:

[0070] The second validity date of the pre-made card information (e.g., the validity period of the card) is greater than or equal to the current date, ensuring that the pre-made card is still valid. If any of the information in the pre-made card information is inactive, it means that the card has not been activated for use, that is, the card is a new card, to avoid repeated use of the card.

[0071] In an optional embodiment, if the second verification result does not meet the second preset condition, a second prompt message is generated based on the second verification result, and the second prompt message is sent to the second object and / or the first object; in response to receiving a second modification application issued by the second object and / or the first object, re-verification is performed according to the modification of identity information and / or modification of pre-made card information indicated in the modification application.

[0072] If the second verification result does not meet the preset conditions, the system will generate a second prompt message based on the specific failure reason. These prompt messages may include why the verification failed and what measures need to be taken to solve the problem.

[0073] The generated second prompt information will be sent to the second object (usually the user) and / or the first object (may be the administrator or other relevant personnel of the service provider). In this way, the relevant personnel can understand the problem and take corresponding actions.

[0074] If the second object and / or the first object decide to make changes after receiving the prompt information, they will issue a second modification application, which will specify the identity information and / or pre-made card information that needs to be modified.

[0075] According to the instructions in the second modification application, the system will re-verify the modified identity information and / or pre-made card information. This process ensures that only the correctly modified information will be accepted for card issuance request.

[0076] A schematic diagram of a structure of a response device based on a financial IC card activation request provided by this application, such as Figure 5As shown, the response device 50 based on the financial IC card activation request provided in this embodiment includes:

[0077] The forwarding module 501 is used to respond to the card making request uploaded by the first object, and if the card making type indicated by the card making request includes a virtual card and a real card, forward the card making request to the card making system, and receive the real card number and the virtual card number fed back by the card making system based on the card making request;

[0078] An association module 502 is configured to associate the real card number with the virtual card number to generate association information, and forward the association information to a card manufacturing factory to obtain pre-made card information fed back by the card manufacturing factory;

[0079] The acquisition module 503 is configured to acquire the identity information carried in the card activation request if a card activation request triggered by the second object is received;

[0080] Responding module 504: Bind the identity information with the pre-made card information, and send the bound pre-made card information to the second object to respond to the card activation request.

[0081] Optionally, the response module 504 is further used to initiate an activation query instruction to the card-making system according to the real card number and the virtual card number in the pre-made card information to obtain a query result, wherein the query instruction is used to query the activation status corresponding to the virtual card number and the real card number respectively; if the query result indicates that both the real card number and the virtual card number are not enabled, an activation request is initiated to the card-making system, wherein the activation request is used to instruct the card-making system to modify the activation status of the real card number and the virtual card number; if feedback information confirming the activation is received from the card-making system based on the activation request, it is determined to bind the identity information with the pre-made card information.

[0082] Optionally, the device also includes: an identification module (not shown in the figure), which is used to receive card reading information from a card reading device and identify a real card number carried in the card reading information, wherein the card reading information is obtained by the card reading device reading premade card information corresponding to the premade card; if the real card number is read successfully, it is determined that the second object triggers a card opening request.

[0083] Optionally, the device also includes: a matching module (not shown in the figure), which is used to match the real card number with a pre-stored card number library to obtain a matching result; wherein the card number library at least includes: multiple pre-stored real card numbers, multiple pre-stored virtual card numbers, and an association relationship between the multiple pre-stored real card numbers and the pre-stored virtual card numbers; when the matching result indicates that there is a pre-stored real card number consistent with the real card number in the card number library, it is determined that the real card number is read successfully.

[0084] Optionally, the device also includes: a first verification module (not shown in the figure), used to verify the identity information, obtain a first verification result, and determine whether to respond to the card activation request based on the first verification result; if the first verification result meets a first preset condition, determine to respond to the card activation request; wherein, the first preset condition includes at least one of the following: the first validity date of the identity information is greater than or equal to the current date; the age information corresponding to the identity information is greater than or equal to a preset threshold, and the card activation request carries a target file.

[0085] Optionally, the first verification module is also used to generate a first prompt message based on the first verification result if the first verification result does not meet the first preset condition, and send the first prompt message to the second object and / or the first object; in response to receiving a first modification application issued by the second object and / or the first object, re-verify according to the modification of identity information and / or modification of pre-made card information indicated by the modification application.

[0086] Optionally, the device also includes: a second verification module (not shown in the figure), which is used to verify the pre-made card information, obtain a second verification result, and determine whether to respond to the card activation request based on the second verification result; if the second verification result meets the second preset condition, determine to respond to the card activation request; wherein the second preset condition includes at least one of the following: the second validity date of the pre-made card information is greater than or equal to the current date; the activation status of any information in the pre-made card information is not enabled.

[0087] Optionally, the second verification module is also used to: if the second verification result does not meet the second preset condition, generate a second prompt information based on the second verification result, and send the second prompt information to the second object and / or the first object; in response to receiving a second modification application issued by the second object and / or the first object, re-verify according to the modification of identity information and / or modification of pre-made card information indicated by the modification application.

[0088] The present embodiment provides a response device based on a financial IC card activation request, which can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and this embodiment will not be described in detail here.

[0089] Figure 6 This is a schematic diagram of a structure of a response device based on a financial IC card activation request provided by this application. Figure 6As shown, the electronic device 60 provided in this embodiment includes: at least one processor 601 and a memory 602. Optionally, the device 60 also includes a communication component 603. The processor 601, the memory 602 and the communication component 603 are connected via a bus 604.

[0090] In a specific implementation process, at least one processor 601 executes the computer execution instructions stored in the memory 602, so that at least one processor 601 executes the above method.

[0091] The specific implementation process of the processor 601 can be found in the above method embodiment, and its implementation principle and technical effect are similar, so this embodiment will not be repeated here.

[0092] In the above embodiments, it should be understood that the processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. A general-purpose processor may be a microprocessor or any conventional processor. The steps of the method disclosed in the invention 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.

[0093] The memory may include a high-speed memory (Random Access Memory, RAM), and may also include a non-volatile memory (Non-volatile Memory, NVM), such as at least one disk memory.

[0094] The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus in the drawings of the present application is not limited to only one bus or one type of bus.

[0095] The present application also provides a computer program product, including a computer program, which implements the above method when executed by a processor.

[0096] The present application also provides a computer-readable storage medium, in which computer-executable instructions are stored. When a processor executes the computer-executable instructions, the above method is implemented.

[0097] The above-mentioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk. The readable storage medium can be any available medium that can be accessed by a general or special-purpose computer.

[0098] An exemplary readable storage medium is coupled to a processor so that the processor can read information from the readable storage medium and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can be located in an application specific integrated circuit (Application Specific Integrated Circuits, referred to as: ASIC). Of course, the processor and the readable storage medium can also exist in the device as discrete components.

[0099] The division of units is only a logical function division, and there may be other divisions in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interface, device or unit, which can be electrical, mechanical or other forms.

[0100] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0101] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

[0102] If the function is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or the part of the technical solution, can be embodied in the form of a software product. The computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods of each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk, etc. Various media that can store program codes.

[0103] Those skilled in the art can understand that all or part of the steps of implementing the above-mentioned method embodiments can be completed by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the aforementioned storage medium includes: ROM, RAM, disk or optical disk and other media that can store program codes.

[0104] Finally, it should be noted that those skilled in the art will readily conceive of other embodiments of the present invention after considering the specification and practicing the invention disclosed herein. The present invention is intended to cover any variations, uses or adaptations of the present invention, which follow the general principles of the present invention and include common knowledge or customary technical means in the art not disclosed by the present invention, are not limited to the precise structure described above and shown in the drawings, and may be modified and changed in various ways without departing from the scope thereof. The scope of the present invention is limited only by the appended claims.

Claims

1. A response method based on a financial IC card activation request, characterized in that: Financial IC cards correspond to real card numbers and virtual card numbers, including: In response to a card making request uploaded by the first object, if the card making type indicated by the card making request includes a virtual card and a real card, forward the card making request to a card making system, and receive a real card number and a virtual card number fed back by the card making system based on the card making request; Associating the real card number with the virtual card number to generate association information, and forwarding the association information to a card manufacturing factory to obtain pre-made card information fed back by the card manufacturing factory; If a card activation request triggered by the second object is received, the identity information carried in the card activation request is obtained; The identity information is bound to the pre-made card information, and the bound pre-made card information is sent to the second object to respond to the card opening request.

2. The method according to claim 1, characterized in that Binding the identity information with the pre-made card information includes: Initiate an activation query instruction to the card making system according to the real card number and the virtual card number in the pre-made card information to obtain a query result, wherein the query instruction is used to query the activation status corresponding to the virtual card number and the real card number respectively; If the query result indicates that both the real card number and the virtual card number are not enabled, initiating an enablement request to the card making system, wherein the enablement request is used to instruct the card making system to modify the enablement status of the real card number and the virtual card number; If feedback information confirming activation issued by the card making system based on the activation request is received, it is determined to bind the identity information with the pre-made card information.

3. The method according to claim 1, characterized in that Upon receiving a card activation request triggered by the second object, before obtaining the identity information carried in the card activation request, the method further includes: Receiving card reading information from a card reading device, and identifying a real card number carried in the card reading information, wherein the card reading information is obtained by the card reading device reading pre-made card information corresponding to the pre-made card; If the real card number is read successfully, it is determined that the second object triggers a card opening request.

4. The method according to claim 3, characterized in that If the real card number is read successfully, before determining that the second object triggers a card opening request, the method further includes: Matching the real card number with a pre-stored card number library to obtain a matching result; wherein the card number library at least includes: a plurality of pre-stored real card numbers, a plurality of pre-stored virtual card numbers, and an association relationship between the plurality of pre-stored real card numbers and the pre-stored virtual card numbers; When the matching result indicates that a pre-stored real card number that is consistent with the real card number exists in the card number library, it is determined that the real card number is read successfully.

5. The method according to any one of claims 1 to 4, characterized in that After obtaining the identity information carried in the card activation request, the method further includes: Verifying the identity information to obtain a first verification result, and determining whether to respond to the card activation request according to the first verification result; If the first verification result meets the first preset condition, determining to respond to the card opening request; Among them, the first preset condition includes at least one of the following: the first validity date of the identity information is greater than or equal to the current date; the age information corresponding to the identity information is greater than or equal to a preset threshold, and the card activation request carries a target file.

6. The method according to claim 5, characterized in that The method further comprises: If the first verification result does not meet the first preset condition, generating first prompt information according to the first verification result, and sending the first prompt information to the second object and / or the first object; In response to receiving a first modification application sent by the second object and / or the first object, re-verification is performed according to the modified identity information and / or modified pre-made card information indicated in the modification application.

7. The method according to any one of claims 1 to 4, characterized in that After obtaining the identity information carried in the card activation request, the method further includes: Verifying the pre-made card information to obtain a second verification result, and determining whether to respond to the card activation request according to the second verification result; If the second verification result meets the second preset condition, determining to respond to the card opening request; The second preset condition includes at least one of the following: the second validity date of the pre-made card information is greater than or equal to the current date; the activation status of any information in the pre-made card information is not activated.

8. The method according to claim 7, characterized in that The method further comprises: If the second verification result does not meet the second preset condition, generating second prompt information according to the second verification result, and sending the second prompt information to the second object and / or the first object; In response to receiving a second modification application sent by the second object and / or the first object, re-verification is performed according to the modified identity information and / or modified pre-made card information indicated in the modification application.

9. A device for responding to a card opening request, characterized in that: include: Memory, processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory, so that the processor performs the method according to any one of claims 1 to 8.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 8 when executed by a processor.

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