Account information reading method and device, equipment, medium and program product

Abstract

The invention provides an account information reading method and device, equipment, a storage medium and a program product, which can be applied to the technical field of financial science and technology. The account information reading method comprises the following steps: in response to a reading request initiated by a user for a to-be-read card, displaying a plurality of accounts bound with the to-be-read card by using a terminal device; in response to a selection operation of a user on a target account, determining a target voltage and a target conductivity state corresponding to the target account according to the target account and a first corresponding relationship, the first corresponding relationship being used for representing a corresponding relationship among the account, the voltage value and the conductivity state; applying a target voltage to a target element on the to-be-read card so as to drive the conductivity state of the target element to change according to the target voltage; detecting the actual conductivity state of the target element; and under the condition that the actual conductivity state of the target element and the target conductivity state meet a preset condition, performing reading operation on account information of the target account.

Description

Technical Field

[0001] This application relates to the field of financial technology, specifically to an account information reading method, apparatus, device, medium, and program product. Background Technology

[0002] With the development of financial payment and identity authentication, users' demand for managing multiple accounts with a single carrier (such as a bank card) is gradually increasing. Traditional cards rely on single-chip or fixed-partition storage, and the number of accounts is limited by storage capacity and partition design. Adding or removing accounts requires hardware or partition modifications, which is inflexible and costly, making it difficult to expand multiple accounts and resulting in high hardware iteration costs, making it difficult to meet the needs of multi-account management. Summary of the Invention

[0003] In view of the above problems, this application provides an account information reading method, apparatus, device, medium and program product.

[0004] According to a first aspect of this application, an account information reading method is provided, comprising: responding to a user-initiated reading request for a card to be read, displaying multiple accounts bound to the card to be read using a terminal device; responding to a user's selection of a target account, determining a target voltage and a target conductance state corresponding to the target account based on a first correspondence relationship, wherein the first correspondence relationship is used to characterize the correspondence between the account, voltage value, and conductance state; applying a target voltage to a target element on the card to be read, so as to drive a change in the conductance state of the target element according to the target voltage; detecting the actual conductance state of the target element; and performing an account information reading operation on the target account when the actual conductance state of the target element and the target conductance state meet predetermined conditions.

[0005] According to an embodiment of this application, in response to a user-initiated reading request for a card to be read, a terminal device is used to display multiple accounts bound to the card to be read, including: in response to a user-initiated reading request for a card to be read, receiving card identification information of the card to be read; determining multiple accounts bound to the card to be read based on the card identification information and a second correspondence, wherein the second correspondence is used to characterize the correspondence between the card identification information and the multiple accounts; and displaying the multiple accounts using the terminal device.

[0006] According to an embodiment of this application, the second correspondence also includes card identification information and the association between multiple accounts and conductivity states. When the actual conductivity state of the target element and the target conductivity state meet predetermined conditions, the account information of the target account is read, including: generating combined verification information based on the card identification information to be read, the target account information and the actual conductivity state; and when the combined verification information is the same as the preset association in the second correspondence, the target account is read.

[0007] According to an embodiment of this application, applying a target voltage to a target element on a card to be read, so as to drive a change in the conductance state of the target element according to the target voltage, includes: applying a target voltage to the target element on the card to be read according to a preset voltage application duration and voltage gradient, so as to drive a change in the conductance state of the target element according to the target voltage.

[0008] According to an embodiment of this application, before applying a target voltage to a target element on a card to be read, the method further includes: initializing the conductivity state of the target element to drive the target element to adjust from a historical conductivity state to an initial conductivity state.

[0009] According to an embodiment of this application, displaying multiple accounts bound to a card to be read using a terminal device further includes: classifying the multiple accounts based on a preset account classification rule; and displaying at least one account category and at least one sub-account contained in the account category on the terminal device.

[0010] A second aspect of this application provides an account information reading device, comprising: a display module, configured to display multiple accounts bound to the card to be read using a terminal device in response to a user's reading request for a card to be read; a determination module, configured to determine a target voltage and a target conductance state corresponding to the target account based on a first correspondence relationship between the target account and the target account, wherein the first correspondence relationship characterizes the correspondence between the account, voltage value, and conductance state; a voltage application module, configured to apply a target voltage to a target element on the card to be read, so as to drive a change in the conductance state of the target element according to the target voltage; a detection module, configured to detect the actual conductance state of the target element; and a reading module, configured to read the account information of the target account when the actual conductance state of the target element and the target conductance state meet predetermined conditions.

[0011] A third aspect of this application provides an electronic device comprising: one or more processors; and a memory for storing one or more computer programs, wherein the one or more processors execute the one or more computer programs to implement the steps of the method described above.

[0012] A fourth aspect of this application also provides a computer-readable storage medium having a computer program or instructions stored thereon, which, when executed by a processor, implement the steps of the above-described method.

[0013] The fifth aspect of this application also provides a computer program product, including a computer program or instructions that, when executed by a processor, implement the steps of the above-described method.

[0014] According to embodiments of this application, by utilizing the multi-conductance state physical characteristics of memristors (target components), the traditional single-chip fixed-partition storage mode of cards is replaced. Different accounts are bound to specific voltage values ​​and conductance states, eliminating the need for independent hardware storage partitions for each account. This overcomes the hardware capacity limitation on the number of accounts, allowing a single card to manage multiple types of bank accounts, such as savings accounts and credit card accounts. When a new account needs to be added, only the pre-stored first correspondence needs to be updated, avoiding the high costs of traditional hardware modifications and repartitioning, improving the flexibility of multi-account management and reducing hardware iteration costs. Furthermore, because conductance states cannot be tampered with by software, the account legitimacy verification is deeply bound to the physical conductance state of the component through voltage-driven conductance state changes and a hardware-level verification process based on actual conductance state detection. This avoids the risks of account operation caused by traditional software instruction tampering and key leakage. The terminal only needs to apply voltage according to the correspondence and detect the matching status to complete the identification, resulting in a faster response speed. Attached Figure Description

[0015] The above-mentioned contents, other objects, features and advantages of this application will become clearer from the following description of embodiments with reference to the accompanying drawings, in which:

[0016] Figure 1 The illustrations depict application scenarios of the account information reading method, apparatus, device, medium, and program product according to embodiments of this application.

[0017] Figure 2 A flowchart illustrating an account information reading method according to an embodiment of this application is shown schematically;

[0018] Figure 3 This schematic diagram illustrates the conductance states of a bank card with an integrated memristor according to an embodiment of this application under different voltages.

[0019] Figure 4 This illustration shows a schematic diagram of a method for reading account information from a safe deposit box according to an embodiment of this application;

[0020] Figure 5 A flowchart illustrating a method for calculating a user's authentication progress according to an embodiment of this application is shown schematically.

[0021] Figure 6 This schematically illustrates a structural block diagram of an account information reading device according to an embodiment of this application; and

[0022] Figure 7 A block diagram schematically illustrates an electronic device suitable for implementing an account information reading method according to an embodiment of this application. Detailed Implementation

[0023] The embodiments of this application will now be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of this application. In the following detailed description, numerous specific details are set forth to provide a thorough understanding of the embodiments of this application for ease of explanation. However, it will be apparent that one or more embodiments may be implemented without these specific details. Furthermore, descriptions of well-known structures and technologies are omitted in the following description to avoid unnecessarily obscuring the concepts of this application.

[0024] The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit the scope of this application. The terms “comprising,” “including,” etc., as used herein indicate the presence of the stated features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0025] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein are to be interpreted in a manner consistent with the context of this specification, and not in an idealized or overly rigid way.

[0026] When using expressions such as "at least one of A, B and C", they should generally be interpreted in accordance with the meaning that is commonly understood by those skilled in the art (e.g., "a system having at least one of A, B and C" should include, but is not limited to, a system having A alone, a system having B alone, a system having C alone, a system having A and B, a system having A and C, a system having B and C, and / or a system having A, B and C, etc.).

[0027] It should be noted that the account information reading method and device of this application can be used in the field of fintech, or in any field other than fintech. The application field of the account information reading method and device of this application is not limited.

[0028] In the technical solution of this application, the user information (including but not limited to user personal information, user image information, user device information, such as location information) and data (including but not limited to data used for analysis, stored data, and displayed data) involved are all information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of related data all comply with relevant laws, regulations, and standards, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entry points for users to choose to authorize or refuse.

[0029] In scenarios involving automated decision-making using personal information, the methods, devices, and systems provided in this application all offer users corresponding entry points for choosing to agree to or reject the automated decision-making results. If the user chooses to reject, the process proceeds to the expert decision-making stage. Here, "automated decision-making" refers to the activity of automatically analyzing and evaluating an individual's behavioral habits, interests, or economic, health, and credit status through computer programs, and then making a decision. Here, "expert decision-making" refers to the activity of making decisions by personnel who specialize in a particular field, possess specialized experience, knowledge, and skills, and have reached a certain level of professional expertise.

[0030] To address the shortcomings of traditional bank cards (bank cards) that rely on single-chip or fixed-partition storage, resulting in difficulties in expanding multiple accounts, high hardware costs, and adaptability to multi-account management needs, this application introduces a target element (such as a memristor) with adjustable conductance states. By establishing a correspondence between "account information - voltage value - conductance state," the target element is driven by voltage to achieve precise switching and detection of conductance states. Simultaneously, a multi-dimensional verification logic is constructed by combining card identification information. This not only eliminates the hardware limitations of traditional storage on the number of accounts, enabling flexible switching and management of multiple accounts on a single carrier, but also improves the security of account operations through hardware-level conductance state verification, reducing hardware iteration costs and terminal adaptation difficulties.

[0031] An embodiment of this application provides an account information reading method, comprising: responding to a user-initiated reading request for a card to be read, displaying multiple accounts bound to the card to be read using a terminal device; responding to a user's selection of a target account, determining a target voltage and a target conductance state corresponding to the target account based on a first correspondence relationship, wherein the first correspondence relationship is used to characterize the correspondence between the account, voltage value, and conductance state; applying a target voltage to a target element on the card to be read, so as to drive a change in the conductance state of the target element according to the target voltage; detecting the actual conductance state of the target element; and performing an account information reading operation on the target account when the actual conductance state of the target element and the target conductance state meet predetermined conditions.

[0032] Figure 1 The diagram illustrates an application scenario of the account information reading method according to an embodiment of this application.

[0033] like Figure 1 As shown, application scenario 100 according to this embodiment may include a first terminal device 101, a second terminal device 102, a third terminal device 103, a network 104, and a server 105. The network 104 serves as a medium for providing a communication link between the first terminal device 101, the second terminal device 102, the third terminal device 103, and the server 105. The network 104 may include various connection types, such as wired or wireless communication links, or fiber optic cables, etc.

[0034] Users can use the first terminal device 101, the second terminal device 102, and the third terminal device 103 to interact with the server 105 via the network 104 to receive or send messages, etc. Various communication client applications can be installed on the first terminal device 101, the second terminal device 102, and the third terminal device 103, such as account management applications, shopping applications, web browser applications, search applications, instant messaging tools, email clients, social media platform software, etc. (for example only).

[0035] The first terminal device 101, the second terminal device 102, and the third terminal device 103 can be various electronic devices with displays and supporting web browsing, including but not limited to smartphones, tablets, laptops, and desktop computers. In the application scenario of this application embodiment, the first terminal device 101, the second terminal device 102, and the third terminal device 103 can be terminal devices capable of inserting and recognizing bank cards or target components. Users insert bank cards through the terminal devices of the first terminal device 101, the second terminal device 102, and the third terminal device 103 and operate on various accounts.

[0036] Server 105 can be a server that provides various services, such as a backend management server that supports websites browsed by users using the first terminal device 101, the second terminal device 102, and the third terminal device 103 (this is just an example). The backend management server can analyze and process data such as received user requests, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal devices.

[0037] It should be noted that the data processing method provided in the embodiments of this application can generally be executed by server 105. Correspondingly, the data processing device provided in the embodiments of this application can generally be located in server 105. The data processing method provided in the embodiments of this application can also be executed by a server or server cluster that is different from server 105 and capable of communicating with the first terminal device 101, the second terminal device 102, the third terminal device 103, and / or server 105. Correspondingly, the data processing device provided in the embodiments of this application can also be located in a server or server cluster that is different from server 105 and capable of communicating with the first terminal device 101, the second terminal device 102, the third terminal device 103, and / or server 105.

[0038] It should be understood that Figure 1 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0039] The following will be based on Figure 1 The described scene, through Figures 2-6 The method for reading account information according to embodiments of this application will be described in detail.

[0040] Figure 2 A flowchart illustrating an account information reading method according to an embodiment of this application is shown.

[0041] like Figure 2 As shown, the account information reading method in this embodiment includes operations S210 to S250.

[0042] In operation S210, in response to a user-initiated read request for the card to be read, the terminal device displays multiple accounts bound to the card to be read.

[0043] According to embodiments of this application, the card to be read refers to a physical card (such as a bank card) inserted by the user into a terminal device (such as an ATM or POS machine). It contains a target element, such as a memristor, whose conductivity can be adjusted by voltage, for managing multiple accounts. The user triggers an instruction to read the card and associated accounts through operations such as inserting or swiping the card. For example, after inserting a bank card into an ATM, the system automatically initiates a read request. The terminal device refers to a device used to support card reading and account operations, and can be an ATM, a supermarket POS machine, a bank counter terminal, etc.

[0044] In embodiments of this application, user consent or authorization can be obtained before acquiring user information. For example, a user-initiated read request for a card to be read, i.e., the user inserts the card into the terminal device, indicates that the user has consented to or authorized the acquisition of user information.

[0045] For example, when a user inserts a card into a terminal device (such as an ATM) and triggers a read request, the terminal device will retrieve all accounts associated with the card from the backend system and display these accounts on the screen. For example, it can display the account name or account serial number corresponding to each account, such as card number XX1234 or card number XX5678, so that the user can select the specific account to operate on.

[0046] In operation S220, in response to the user's selection of a target account, the target voltage and target conductance state corresponding to the target account are determined according to the first correspondence between the target account and the target account. The first correspondence is used to characterize the correspondence between the account, voltage value and conductance state.

[0047] According to an embodiment of this application, the target account is the account that the user selects from a plurality of displayed accounts to which they wish to operate. The first correspondence is a pre-stored mapping table between accounts, voltages, and conductance states. For example, account XX1234 corresponds to a voltage of 2V and a conductance state of A; account XX5678 corresponds to a voltage of 3V and a conductance state of B. When the user selects the target account to operate on, the corresponding voltage and conductance state are determined based on the above correspondence.

[0048] In operation S230, a target voltage is applied to the target element on the card to be read, so as to drive the conductance state of the target element to change according to the target voltage.

[0049] According to embodiments of this application, the target element is a memristor integrated within the card, or it can be any other element whose conductance state can be adjusted by voltage. Its resistance value changes with the applied voltage and maintains its current state after power is off. After determining the target voltage, the terminal device outputs a specific voltage (e.g., 2V) to the target element through the card interface. Under the influence of the target voltage, the target element switches from its initial resistance state (the default state when no voltage is applied) to a state corresponding to the target voltage (e.g., conductance state A).

[0050] During operation S240, the actual conductivity state of the target element is detected.

[0051] According to embodiments of this application, the actual conductance state is the actual resistance state exhibited by the target component after a target voltage is applied. It may be consistent with the target conductance state, or it may deviate due to factors such as hardware errors. The terminal device reads the current resistance value of the target component through sensors or circuits to determine it as the actual conductance state.

[0052] In operation S250, if the actual conductance state of the target element and the target conductance state meet predetermined conditions, the account information of the target account is read.

[0053] In embodiments of this application, user consent or authorization can be obtained before acquiring user information. For example, a request to acquire user information can be sent to the user before operation S250. If the user consents or authorizes the acquisition of account information, operation S250 is executed. The method of obtaining user consent or authorization can be password verification, biometric identification, etc.

[0054] According to embodiments of this application, the predetermined conditions are the system-preset standards for matching the actual conductance state with the target conductance state. For example, the resistance values ​​of the two are completely identical, or the difference between the resistance values ​​corresponding to the actual conductance state and the target conductance state is within a preset range, such as allowing an error of ±5%. The account information of the target account specifically refers to the specific data in the target account, such as the account balance, transaction records, and available credit. If the actual conductance state and the target conductance state meet the predetermined conditions, the hardware status verification is considered successful, the system confirms that the account selected by the user is genuine and valid, and allows the terminal device to read the detailed information of the account and display it to the user; if the conditions are not met, the operation is rejected, such as indicating that the account verification failed.

[0055] According to embodiments of this application, by utilizing the multi-conductance state physical characteristics of memristors (target components), the traditional single-chip fixed-partition storage mode of cards is replaced. Different accounts are bound to specific voltage values ​​and conductance states, eliminating the need for independent hardware storage partitions for each account. This overcomes the hardware capacity limitation on the number of accounts, allowing a single card to manage multiple types of bank accounts, such as savings accounts and credit card accounts. When a new account needs to be added, only the pre-stored first correspondence needs to be updated, avoiding the high costs of traditional hardware modifications and repartitioning, improving the flexibility of multi-account management and reducing hardware iteration costs. Furthermore, because conductance states cannot be tampered with by software, the account legitimacy verification is deeply bound to the physical conductance state of the component through voltage-driven conductance state changes and a hardware-level verification process based on actual conductance state detection. This avoids the risks of account operation caused by traditional software instruction tampering and key leakage. The terminal only needs to apply voltage according to the correspondence and detect the matching status to complete the identification, resulting in a faster response speed.

[0056] According to embodiments of this application, the target device (memristor) includes three electrodes (i.e., gate, source, and drain), an electrolyte layer, and a channel layer. The source / drain electrodes and gate electrode are made of materials including, but not limited to, gold, aluminum, silver, and copper, with a thickness of 10-100 nm. Taking gold as an example, a mask with a channel width W = 30 μm and a channel length L = 2000 μm is vaporized at 5000 Hz in a vapor deposition system, while simultaneously setting the cavity vacuum to 2 × 10⁻⁵ Pa and the heating current to approximately 180 A. The electrolyte layer is made of a polymer that can provide sufficient anions / cations for normal device operation, composed of electrolyte salts, solvents, and gel polymers, including but not limited to liquid or gel electrolytes. Taking an ionomer as an example, the mass ratio of polyvinylidene fluoride-hexafluoropropylene copolymer (P(VDF-HFP)) to acetone is maintained at 1:7, and the sample vial is kept in an ultrasonic cleaner at 50°C for 30 minutes during the preparation process. The channel layer is made of materials capable of storing ions, including but not limited to organic semiconductor materials and inorganic materials capable of storing cations and anions. The electrolyte is prepared by spin coating or blade coating processes, with a thickness of 1-100 μm. The channel layer is prepared by thermal evaporation or spin coating processes, with a thickness of 10-500 nm.

[0057] For example, the target component can be integrated into the bank card in the following manner.

[0058] Step 1: Select materials with good electrical properties and good stability as raw materials for device fabrication. These materials can include novel perovskite and other organic materials to prepare memristors with excellent electrical properties.

[0059] Step 2: During device fabrication, all device fabrication parameters are consistent. After the devices are manufactured, the multi-level conductance states of the devices are controlled by adjusting the amount of charge stored inside the devices. In this design approach, subsequent technical solutions will be designed using the second method as an example.

[0060] Step 3: Transfer the non-volatile device prepared in Step 2 onto a substrate. Optional substrates include, but are not limited to, silicon (Si), polyvinyl alcohol (PVA), polyester (PET), and polyimide (PI), and verify the electrical performance of the memristor based on the substrate.

[0061] Step 4: Process the surface of the bank card to ensure that the surface or the portion of the bank card where the device is integrated has uniform and minimal roughness. This can be achieved through methods such as laser irradiation, depositing a smoothing thin film, or PDMS pretreatment. During this process, atomic force microscopy (AFM) can be used to observe and characterize the substrate. After obtaining a substrate with relatively uniform roughness, the device prepared in Step 3 can be transferred onto this bank card substrate, completing the integration of the memristor into the bank card.

[0062] Step 5: In the bank card with memristor fabricated in Step 4, based on the memristor's ability to store charge flowing through it, when the bank card with integrated memristor is under different voltages, due to the difference in charge storage capacity of the devices within the bank card, the memristor in the bank card will exhibit different conductance states at different voltages. Each conductance state corresponds to a different bank card number. After the bank card with integrated memristor enters the market, it can be monitored at fixed times and locations using a device analyzer (including but not limited to a semiconductor parameter analyzer), enabling proactive tracking of the bank card and effective centralized management of multiple bank cards.

[0063] Figure 3 The schematic diagram illustrates the conductance states of a bank card with an integrated memristor according to an embodiment of this application under different voltages.

[0064] like Figure 3 As shown, the memristor in the bank card will exhibit different conductance states under different voltages, and each conductance state corresponds to a different bank card number, such as... Figure 3 The 0, 1, 2, and 3 states in the text.

[0065] According to an embodiment of this application, in response to a user-initiated reading request for a card to be read, a terminal device is used to display multiple accounts bound to the card to be read, including: receiving card identification information of the card to be read in response to the user-initiated reading request; determining multiple accounts bound to the card to be read based on the card identification information and a second correspondence, wherein the second correspondence is used to characterize the correspondence between the card identification information and the multiple accounts; and displaying the multiple accounts using the terminal device.

[0066] According to embodiments of this application, card identification information is a unique identifier for the card, such as the unique serial number embedded in the IC chip of a bank card, or the card number information in the magnetic stripe, used to distinguish different cards. When a user inserts the card into a terminal device and triggers a read request, the terminal device first obtains the card's unique identification information through the card reader module, which serves as the basis for subsequent account association queries. The card reader module can be, for example, a chip card reader or a magnetic stripe reader.

[0067] According to an embodiment of this application, the second correspondence is also a mapping table pre-stored in the bank's back-end system, used to record the association between card identification information and all accounts bound to the card. For example, if the card identification information is 6222XXXX1234, the corresponding bound accounts include account XX1234, account XX5678, and account XX9012. The terminal device sends the obtained card identification information to the bank's back-end system. The system queries the second correspondence to find all accounts corresponding to the card identification, thereby determining the range of accounts that the user can operate through the card. After receiving the bound account information returned by the back-end system, the terminal device displays simplified identifiers of these accounts on the screen for the user to select the target account for the specific operation.

[0068] Figure 4 A flowchart illustrating an account information reading method according to another embodiment of this application is shown.

[0069] like Figure 4 As shown, the account information reading method in this embodiment includes operations S410 to S420.

[0070] During operation of S410, combined verification information is generated based on the card identification information to be read, the target account information, and the actual conductivity state.

[0071] In operation S420, if the combined verification information is the same as the preset association relationship in the second correspondence relationship, a read operation is performed on the target account.

[0072] According to an embodiment of this application, the second correspondence is a unique correspondence between pre-stored card identification information, account information, and electrical conductivity.

[0073] For example:

[0074] Card number: 6222XXXX0918; Account: XX1234; Conductivity state: G1.

[0075] Card number: 6222XXXX0918; Account: XX2345; Conductivity: G2.

[0076] Card number: 6222XXXX1537; Account: XX2580; Conductivity state: G1.

[0077] Card number: 6222XXXX1537; Account: XX2581; Conductivity: G2.

[0078] As the example above shows, different cards may have the same corresponding conductance state. Therefore, if account verification is based solely on the correspondence between account and conductance state, accounts belonging to different cards may be confused. For example, account XX1234 (card number 6222XXXX0918) and account XX2580 (card number 6222XXXX1537) both correspond to conductance state G1. If only conductance state G1 is used as the verification basis, the system may not be able to distinguish between these two accounts belonging to different cards, thus leading to the risk of erroneous account operations.

[0079] Therefore, the embodiments of this application generate unique verification information by combining the card identifier information to be read, the target account information, and the actual conductivity state. As in the example above, the generated combined verification information could be 6222XXXX0918|XX1234|G1 and 6222XXXX1537|XX2580|G1. Even if the conductivity states are the same, the combined verification information, when combined with the card identifier and account information, is unique, accurately distinguishing accounts for different cards and effectively avoiding conflicts caused by identical conductivity states across different cards, thus ensuring the accuracy and security of account verification.

[0080] According to an embodiment of this application, applying a target voltage to a target element on a card to be read, so as to drive a change in the conductance state of the target element according to the target voltage, includes: applying a target voltage to the target element on the card to be read according to a preset voltage application duration and voltage gradient, so as to drive a change in the conductance state of the target element according to the target voltage.

[0081] According to embodiments of this application, the preset voltage application duration is set to avoid incomplete switching of the component's conductance state due to an excessively short voltage application time or component damage due to an excessively long application time. The system pre-defined fixed application time (e.g., 50 milliseconds) ensures that the component has sufficient time to respond to the voltage and stabilize at the target conductance state. The preset voltage gradient refers to the gradual rate of change of the voltage from the initial value (e.g., 0V) to the target voltage (e.g., an increase of 10V per second), rather than applying the target voltage instantaneously, to avoid damage to the target component due to current surges caused by sudden voltage increases.

[0082] According to the embodiments of this application, when applying voltage to the target component in the card, the target voltage is not directly applied all at once, but follows two preset rules: First, the voltage is gradually increased to the target voltage value according to a preset voltage gradient, such as from 0V to 1V, from 1V to 2V, and from 2V to 3.2V; Second, when the voltage reaches the target voltage, the voltage is maintained and applied for a preset duration, such as 50 milliseconds, to ensure that the conductivity state of the target component can fully respond to the voltage and stably switch to the preset legal state, ultimately providing accurate and stable hardware parameters for the subsequent generation of the actual conductivity state.

[0083] According to embodiments of this application, if a voltage gradient is not set and the target voltage is directly applied to the component, such as a sudden jump from 0V to 3.2V, a large instantaneous current will surge, impacting the internal structure of the component and causing permanent damage. This will prevent the card from generating an actual conductivity state, rendering the entire verification process ineffective. However, by setting a voltage gradient, allowing the voltage to rise gradually, current surges can be completely avoided, extending the lifespan of the target component and ensuring the card can be used normally for a long time. If the voltage application duration is not set and the target voltage is applied only briefly, such as for 10 milliseconds, the target component may not have sufficient response time to fully switch its conductivity state to the target state. This will cause the subsequently detected actual conductivity state to mismatch with the preset valid state, leading to account identification errors. By setting an application duration, sufficient time is given for the component to stabilize in the target conductivity state, ensuring that the detected actual conductivity state is completely consistent with the preset state and avoiding verification deviations caused by conductivity instability.

[0084] According to embodiments of this application, the target components of cards from different batches and models may have slight differences in material and response characteristics. For example, the components of cards from batch A require a 3.1V voltage to switch to G1, while those from batch B require 3.2V. The system can pre-configure corresponding parameters for different types of cards by setting preset voltage parameters, such as target voltage, duration, and gradient. This ensures that regardless of the type of card used, the voltage application process can accurately drive the component to the preset conductance state, avoiding the problem of some cards failing to generate an effective conductance state due to differences in card models, and improving the overall adaptability of the solution to multiple card types.

[0085] According to an embodiment of this application, before applying a target voltage to a target element on a card to be read, the method further includes: initializing the conductivity state of the target element to drive the target element to adjust from a historical conductivity state to an initial conductivity state.

[0086] According to embodiments of this application, the historical conductance state refers to the state in which the target element's conductance state remains after the last use, such as remaining at G2 after the last verification, rather than automatically reverting to the initial state. The initial conductance state is predefined by the system as a reference state before applying the target voltage, for example, uniformly set to G0. Before applying the target voltage to the target element to switch to the target conductance state, the system first performs an initialization operation: by applying an initialization voltage to the target element, it is forced to adjust from the current historical conductance state to the uniform initial conductance state. For example, if the target element remained at G2 after the last use, the initialization operation will reset it to G0, ensuring that the element is in the same reference state before each application of the target voltage.

[0087] According to embodiments of this application, without initialization, the historical conductance state of the target element directly affects the driving effect of the subsequent target voltage. For example, suppose the goal is to switch the element from the initial state G0 to the target state G1 by applying a voltage of 3V; if the element was in the historical state G2 (not G0) after its last use, applying 3V may result in the final conductance state remaining in the transitional state between G1 and G2, rather than the precise G1, due to the different starting state. Initialization ensures that the response conditions of the element are completely consistent each time the target voltage is applied by unifying the starting state, thereby accurately switching to the preset target conductance state and avoiding switching deviations caused by differences in historical states.

[0088] According to embodiments of this application, in conjunction with the verification logic of the combined verification information mentioned above, the accuracy of the actual conductance state directly determines the verification result. If the actual conductance state is inconsistent with the preset target conductance state due to lack of initialization (e.g., it should be G1 but becomes G11 due to historical state interference), it will lead to a mismatch in the combined verification information, resulting in account verification failure, or an abnormal account passing verification due to a coincidental match with an incorrect conductance state. Initialization ensures the accuracy of the actual conductance state, thereby guaranteeing the correctness of the combined verification information, avoiding the aforementioned misjudgment problem, and improving the reliability of account verification.

[0089] According to embodiments of this application, the card to be read may be used in different scenarios, such as verification on different terminal devices or at different times. If the historical conductance state of the component is different each time it is used, the system needs to design corresponding target voltage parameters for each possible historical state. For example, designing a 3V target voltage for historical state G1 and a 2.8V target voltage for historical state G2 would greatly increase the complexity of parameter adaptation. The initialization process unifies the starting state in all scenarios to the initial conductance state. Only one set of target voltage parameters from the initial state to each target state needs to be preset, without considering the differences in historical states. This significantly reduces the complexity of parameter design and adaptation and improves the feasibility of the solution.

[0090] Figure 5 A flowchart illustrating a method for displaying account information according to an embodiment of this application is shown schematically.

[0091] like Figure 5 As shown, the method for displaying account information in this embodiment includes operations S510 to S520.

[0092] When operating S510, multiple accounts are categorized based on preset account classification rules.

[0093] In operation S520, at least one account category and at least one sub-account contained in the account category are displayed on the terminal device.

[0094] According to embodiments of this application, the preset account classification rules are account categorization standards, which can classify accounts based on account attributes. Accounts may include account type, account purpose, etc. For example, accounts can be categorized by type as savings, credit, and wealth management; and by purpose as daily consumption accounts, investment accounts, and emergency fund accounts. The system automatically categorizes multiple accounts linked to a card into different categories based on the preset classification rules, solving the problem of disordered account display and preparing for subsequent structured display. Sub-accounts are specific accounts within a category, such as savings cards and current accounts within the savings category. The structure of categories and sub-accounts is presented on the terminal screen through hierarchical lists, collapsible menus, etc., where the category name is displayed first, and sub-accounts are expanded upon clicking.

[0095] According to embodiments of this application, when a card is linked to many accounts, disordered display can force users to search for the target account one by one. Categorization allows for quick narrowing of the search through category navigation. For example, if a user wants to operate a credit card, they can directly click on the credit category to locate it, reducing selection time. Furthermore, if multiple account names or last few digits are similar, disordered display can easily lead to user misselection. After categorization, users can double-check based on category attributes, reducing misoperations caused by visual confusion.

[0096] Based on the above-described account information reading method, this application also provides an account information reading device. The following will be combined with... Figure 6 The device is described in detail.

[0097] Figure 6 A schematic block diagram of an account information reading device according to an embodiment of this application is shown.

[0098] like Figure 6 As shown, the account information reading device 600 of this embodiment includes a display module 610, a determination module 620, a pressure module 630, a detection module 640, and a reading module 650.

[0099] The display module 610 is used to respond to a user's request to read a card, and to display multiple accounts bound to the card using a terminal device. In one embodiment, the display module 610 can be used to perform the operation S210 described above, which will not be repeated here.

[0100] The determining module 620, in response to a user's selection of a target account, determines the target voltage and target conductance state corresponding to the target account based on a first correspondence relationship, wherein the first correspondence relationship characterizes the correspondence between the account, voltage value, and conductance state. In one embodiment, the determining module 620 may be used to perform the operation S220 described above, which will not be repeated here.

[0101] The voltage application module 630 is used to apply a target voltage to the target element on the card to be read, so as to drive a change in the conductance state of the target element according to the target voltage. In one embodiment, the voltage application module 630 may be used to perform the operation S230 described above, which will not be repeated here.

[0102] The detection module 640 is used to detect the actual conductance state of the target element. In one embodiment, the detection module 640 can be used to perform the operation S240 described above, which will not be repeated here.

[0103] The reading module 650 is used to read the account information of the target account when the actual conductance state of the target element and the target conductance state meet predetermined conditions. In one embodiment, the reading module 650 can be used to perform the operation S250 described above, which will not be repeated here.

[0104] According to an embodiment of this application, the display module 610 includes a receiving submodule, a determining submodule, and a first display submodule.

[0105] The receiving submodule is used to receive the card identification information of the card to be read in response to a reading request initiated by the user; the determining submodule is used to determine multiple accounts bound to the card to be read based on the card identification information and the second correspondence, wherein the second correspondence is used to characterize the correspondence between the card identification information and the multiple accounts; and the first display submodule is used to display the multiple accounts using the terminal device.

[0106] According to an embodiment of this application, the second correspondence also includes card identification information, the association between multiple accounts and electrical conductance, and the reading module 650 includes a generation submodule and a reading submodule.

[0107] The generation submodule is used to generate combined verification information based on the card identification information to be read, the target account information, and the actual conductivity state; the reading submodule is used to perform a reading operation on the target account when the combined verification information is the same as the preset association relationship in the second correspondence relationship.

[0108] According to an embodiment of this application, the pressure module 630 includes: a pressure submodule, used to apply a target voltage to a target element on the card to be read according to a preset voltage application duration and voltage gradient, so as to drive the conductivity state of the target element to change according to the target voltage.

[0109] According to an embodiment of this application, before applying a target voltage to a target element on the card to be read, the account information reading device further includes: an initialization module for initializing the conductivity state of the target element to drive the target element to adjust from a historical conductivity state to an initial conductivity state.

[0110] According to an embodiment of this application, the display module 610 further includes a classification submodule and a second display submodule.

[0111] The first submodule is used to classify multiple accounts based on preset account classification rules; the second submodule is used to display at least one account category and at least one sub-account contained in the account category on the terminal device.

[0112] According to embodiments of this application, any multiple modules among the display module 610, determination module 620, pressure application module 630, detection module 640, and reading module 650 can be combined into one module, or any one of these modules can be split into multiple modules. Alternatively, at least some of the functions of one or more of these modules can be combined with at least some of the functions of other modules and implemented in one module. According to embodiments of this application, at least one of the display module 610, determination module 620, pressure application module 630, detection module 640, and reading module 650 can be at least partially implemented as hardware circuitry, such as a field-programmable gate array (FPGA), a programmable logic array (PLA), a system-on-a-chip, a system-on-a-substrate, a system-on-package, an application-specific integrated circuit (ASIC), or any other reasonable means of integrating or packaging the circuitry, or implemented in software, hardware, or firmware, or in any suitable combination of any of these three implementation methods. Alternatively, at least one of the display module 610, the determination module 620, the pressurization module 630, the detection module 640, and the reading module 650 may be at least partially implemented as a computer program module, which can perform corresponding functions when the computer program module is run.

[0113] Figure 7 A block diagram schematically illustrates an electronic device suitable for implementing an account information reading method according to an embodiment of this application.

[0114] like Figure 7 As shown, an electronic device 700 according to an embodiment of this application includes a processor 701, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 702 or a program loaded from a storage portion 708 into a random access memory (RAM) 703. The processor 701 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or an associated chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 701 may also include onboard memory for caching purposes. The processor 701 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of this application.

[0115] RAM 703 stores various programs and data required for the operation of electronic device 700. Processor 701, ROM 702, and RAM 703 are interconnected via bus 704. Processor 701 executes various operations of the method flow according to embodiments of this application by executing programs in ROM 702 and / or RAM 703. It should be noted that programs may also be stored in one or more memories other than ROM 702 and RAM 703. Processor 701 may also execute various operations of the method flow according to embodiments of this application by executing programs stored in one or more memories.

[0116] According to embodiments of this application, the electronic device 700 may further include an input / output (I / O) interface 705, which is also connected to a bus 704. The electronic device 700 may also include one or more of the following components connected to the input / output (I / O) interface 705: an input section 706 including a keyboard, mouse, etc.; an output section 707 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 708 including a hard disk, etc.; and a communication section 709 including a network interface card such as a LAN card, modem, etc. The communication section 709 performs communication processing via a network such as the Internet. A drive 710 is also connected to the input / output (I / O) interface 705 as needed. A removable medium 711, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on the drive 710 as needed so that computer programs read from it can be installed into the storage section 708 as needed.

[0117] This application also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or it may exist independently and not assembled into the device / apparatus / system. The computer-readable storage medium carries one or more programs, which, when executed, implement the method according to the embodiments of this application.

[0118] According to embodiments of this application, the computer-readable storage medium can be a non-volatile computer-readable storage medium, such as including but not limited to: portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof. In this application, the computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. For example, according to embodiments of this application, the computer-readable storage medium may include ROM 702 and / or RAM 703 and / or one or more memories other than ROM 702 and RAM 703 described above.

[0119] Embodiments of this application also include a computer program product comprising a computer program containing program code for performing the methods shown in the flowchart. When the computer program product is run on a computer system, the program code enables the computer system to implement the account information reading method provided in the embodiments of this application.

[0120] When the computer program is executed by the processor 701, it performs the functions defined in the system / apparatus of this application embodiment. According to the embodiments of this application, the systems, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0121] In one embodiment, the computer program may rely on a tangible storage medium such as an optical storage device or a magnetic storage device. In another embodiment, the computer program may also be transmitted and distributed in the form of signals over a network medium, and may be downloaded and installed via the communication section 709, and / or installed from a removable medium 711. The program code contained in the computer program can be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination thereof.

[0122] In such an embodiment, the computer program can be downloaded and installed from a network via the communication section 709, and / or installed from the removable medium 711. When the computer program is executed by the processor 701, it performs the functions defined in the system of this application embodiment. According to the embodiments of this application, the systems, devices, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0123] According to embodiments of this application, program code for executing the computer programs provided in the embodiments of this application can be written in any combination of one or more programming languages. Specifically, these computational programs can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, languages ​​such as Java, C++, Python, "C", or similar programming languages. The program code can be executed entirely on the user's computing device, partially on the user's device, partially on a remote computing device, or entirely on a remote computing device or server. In cases involving remote computing devices, the remote computing device can be connected to the user's computing device via any type of network, including a local area network (LAN) or a wide area network (WAN), or it can be connected to an external computing device (e.g., via the Internet using an Internet service provider).

[0124] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this application. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0125] Those skilled in the art will understand that the features described in the various embodiments of this application can be combined and / or combined in various ways, even if such combinations or combinations are not explicitly described in this application. In particular, the features described in the various embodiments of this application can be combined and / or combined in various ways without departing from the spirit and teachings of this application. All such combinations and / or combinations fall within the scope of this application.

Claims

1. A method for reading account information, characterized in that, The method includes: In response to a user's request to read a card, the terminal device displays multiple accounts bound to the card to be read. In response to the user's selection of a target account, the target voltage and target conductance state corresponding to the target account are determined according to the target account and a first correspondence relationship, wherein the first correspondence relationship is used to characterize the correspondence between the account, voltage value and conductance state; A target voltage is applied to the target element on the card to be read, so as to drive a change in the conductance state of the target element according to the target voltage; Detect the actual conductivity state of the target element; When the actual conductivity state of the target element and the target conductivity state meet predetermined conditions, the account information of the target account is read.

2. The method according to claim 1, characterized in that, In response to a user-initiated read request for a card to be read, the terminal device displays multiple accounts bound to the card to be read, including: In response to a user-initiated read request for a card to be read, the card identification information of the card to be read is received; Based on the card identification information and the second correspondence, multiple accounts bound to the card to be read are determined, wherein the second correspondence is used to characterize the correspondence between the card identification information and the multiple accounts; The terminal device is used to display the multiple accounts.

3. The method according to claim 2, characterized in that, The second correspondence also includes the card identification information and the association between multiple accounts and conductivity states. When the actual conductance state of the target element and the target conductance state satisfy predetermined conditions, an account information reading operation is performed on the target account, including: Based on the card identification information to be read, the target account information, and the actual conductivity state, generate combined verification information; If the combined verification information is identical to the preset association in the second correspondence, a read operation is performed on the target account.

4. The method according to claim 1, characterized in that, Applying a target voltage to a target element on the card to be read, so as to drive a change in the conductance state of the target element according to the target voltage, includes: applying a target voltage to the target element on the card to be read according to a preset voltage application duration and voltage gradient, so as to drive a change in the conductance state of the target element according to the target voltage.

5. The method according to claim 1 or 4, characterized in that, Before applying a target voltage to the target element on the card to be read, the method further includes: The conductivity state of the target element is initialized to drive the target element to adjust from the historical conductivity state to the initial conductivity state.

6. The method according to claim 1 or 2, characterized in that, Displaying multiple accounts linked to the card to be read using a terminal device also includes: The multiple accounts are classified based on preset account classification rules; Display at least one account category and at least one sub-account contained in the account category on the terminal device.

7. An account information reading device, characterized in that, The device includes: The display module is used to respond to a user's request to read a card and to display multiple accounts bound to the card using a terminal device. A determining module is configured to, in response to the user's selection of a target account, determine the target voltage and target conductance state corresponding to the target account based on the target account and a first correspondence relationship, wherein the first correspondence relationship is used to characterize the correspondence between the account, voltage value, and conductance state; A pressure module is used to apply a target voltage to a target element on the card to be read, so as to drive a change in the conductivity state of the target element according to the target voltage; The detection module is used to detect the actual electrical conductance state of the target element; The reading module is used to read the account information of the target account when the actual conductance state of the target element and the target conductance state meet predetermined conditions.

8. An electronic device, comprising: One or more processors; Memory, used to store one or more computer programs. The characteristic feature is that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1 to 6.

9. A computer-readable storage medium having a computer program or instructions stored thereon, characterized in that, When the computer program or instructions are executed by a processor, they implement the steps of the method according to any one of claims 1 to 6.

10. A computer program product, comprising a computer program or instructions, characterized in that, When the computer program or instructions are executed by a processor, they implement the steps of the method according to any one of claims 1 to 6.

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