Bank card issuing method, device and system, electronic equipment and program product

Abstract

The invention discloses a bank card issuing method, device and system, electronic equipment and a program product, relates to the field of Internet of Things and is applied to the field of financial science and technology, and the method comprises the steps: receiving a card opening request initiated by a client, and carrying out the information verification of client information in the card opening request, and obtaining a verification result; under the condition that the auditing result is that the auditing is passed, making a target card through a card making device based on the customer information, and generating a logistics label of the target card; obtaining the logistics information of the target card based on the logistics label every preset time, and storing the logistics information of the target card in the block chain; and under the condition that the logistics information is successfully stored in the block chain, sending the logistics information to the customer. Through the method and the device, the problem that the financial institution cannot support customer customization requirements due to the fact that the financial institution issues standardized cards which are manufactured in batches in advance to the customer after the customer submits the card opening application and passes the verification in the related technology is solved.

Description

Technical Field

[0001] This application relates to the Internet of Things (IoT) field and is applied to the financial technology field. Specifically, it relates to a method, device, system, electronic device, and program product for issuing bank cards. Background Technology

[0002] In the banking and financial services sector, the issuance of physical cards is a complex process involving multiple stages, including customer application, eligibility verification, card production, packaging, and final logistics and delivery. The traditional manual, offline issuance model relies on customers personally submitting applications at banks or service outlets, followed by manual review by staff before card production and issuance. This model is inefficient, time-consuming (up to several weeks), and prone to errors in data entry and card packaging, increasing operating costs and reducing customer satisfaction.

[0003] With the development of technology, semi-automated card issuance systems have emerged. Customers can submit applications through online platforms, and the system will conduct a preliminary review using preset rules. Once the review is approved, the system will send card production instructions to the card production center. However, the packaging, logistics, and other steps after card production still require manual operation, which not only increases the error rate caused by human factors but also makes it difficult to cope with large-scale card issuance needs.

[0004] There is currently no effective solution to the problem that financial institutions issue pre-made standardized cards to customers after the customer submits an application and it is approved, which makes it impossible for financial institutions to support customers' customized needs. Summary of the Invention

[0005] The main purpose of this application is to provide a method, device, system, electronic device and program product for issuing bank cards, so as to solve the problem in the related technology that financial institutions issue pre-made standardized cards to customers after the customer submits an application for card opening and the application is approved, which makes it impossible for financial institutions to support the customized needs of customers.

[0006] To achieve the above objectives, according to one aspect of this application, a method for issuing bank cards is provided. The method includes: receiving a card issuance request initiated by a customer, verifying the customer information in the card issuance request, and obtaining a verification result; if the verification result is successful, producing a target card based on the customer information using a card-making device, and generating a logistics tag for the target card; acquiring the logistics information of the target card based on the logistics tag after a preset time interval, and storing the logistics information of the target card in a blockchain; and sending the logistics information to the customer after the logistics information has been successfully stored in the blockchain.

[0007] Furthermore, the process of creating target cards using card-making equipment based on customer information, and generating logistics labels for the target cards, includes: extracting the customer's card-making information and account information from the customer information, wherein the card-making information includes at least: card appearance information and material information; sending the card-making information and account information to the card-making equipment; encrypting the account information using the card-making equipment to obtain encrypted account information, wherein the card-making equipment uses laser engraving technology and chip programming technology to create target cards based on the card-making information and encrypted account information; packaging the target cards; and generating logistics labels based on the customer information.

[0008] Furthermore, the customer information in the card issuance request is reviewed to obtain the review result, including: receiving the customer's biometric information and the customer's ID image information through the terminal; identifying the customer's biometric information using biometric technology to obtain a biometric result; converting the customer's ID image information into text information using optical character recognition technology, and identifying the customer's identity information based on the text information to obtain an identity recognition result; obtaining the customer's credit data, and performing risk identification on the customer's credit data using natural language processing technology to obtain a risk identification result; if the biometric result, identity identification result, and risk identification result all indicate that the review has passed, the review result is determined to be approved.

[0009] Furthermore, customer credit data is acquired, and risk identification is performed on the customer credit data using natural language processing technology to obtain risk identification results. This includes: generating a customer profile based on the customer's credit data and customer information, wherein the credit data includes at least: credit information and overdue information; matching the risk customer list and customer profile of the financial institution to obtain matching results; identifying whether there is risk information in the customer profile through a risk identification model to obtain model identification results; and determining the risk identification result based on the matching results and model identification results.

[0010] Furthermore, before receiving the card opening request initiated by the customer, the method also includes: collecting raw material inventory data of bank cards within a preset time period through IoT sensors to obtain time series data; processing the time series data using a prediction algorithm to predict a target time period, wherein the target time period is used to indicate the time range corresponding to when the raw material inventory data is less than a first preset value; triggering a material replenishment request based on the target time period to ensure that the raw material inventory data of bank cards is greater than a second preset value, wherein the first preset value is less than the second preset value.

[0011] Furthermore, the method also includes: generating alarm information when abnormal information is detected in the card making equipment, and sending the alarm information to the target object; sending customer information to the backup production line, using the backup production line to replace the abnormal card making equipment, and using the backup production line to make the target card based on the card making equipment.

[0012] To achieve the above objectives, according to another aspect of this application, a bank card issuance system is provided. This system includes: a customer terminal for receiving a customer's card application and customer information; an audit module for auditing the customer information and obtaining an audit result; a card-making device for producing a target card based on the customer information and the audit result, and generating a logistics tag for the target card; and a logistics tracking module for acquiring the logistics information of the target card based on the logistics tag after a preset time interval, and storing the logistics information of the target card in a blockchain, wherein the customer receives the target card based on the logistics information.

[0013] Furthermore, the card-making equipment includes: a feeding hopper for storing raw materials for bank cards made of various materials, including at least one of the following: polyvinyl chloride (PVC) and metal; a laser engraving module for engraving customer information onto the surface of the bank card using a laser head; a chip programming module for encrypting account information from the customer information and writing the encrypted account information into the bank card; a quality inspection camera for capturing a target image of the target card after its production, wherein the target image is compared with the customer information to obtain a comparison result; and a robotic arm packaging module for packaging the target card according to the comparison result and attaching a logistics slip, wherein the logistics slip is generated based on a logistics label.

[0014] Furthermore, the system includes: a logistics application interface, used to acquire the logistics information of the target card after a preset time interval and send the logistics information to the blockchain node; a blockchain node, used to receive the logistics information and write the logistics information and timestamp information into the blockchain; a cloud database, used to store the logistics information of the target card after the logistics information and timestamp information are successfully written to the blockchain node, and send the logistics information of the target card to the customer; an inventory management module, used to predict the target time period when the raw material inventory data of the bank card is less than a first preset value based on the raw material inventory data of the bank card within a preset time period, and trigger a material replenishment request according to the target time period; and a backup production line, used to produce the target card according to the customer information in the event of a card production equipment failure.

[0015] To achieve the above objectives, according to another aspect of this application, a bank card issuing device is provided. The device includes: an auditing unit, configured to receive a card issuance request initiated by a customer, audit the customer information in the card issuance request, and obtain an audit result; a first production unit, configured to, if the audit result is approved, produce a target card based on the customer information using a card production device, and generate a logistics tag for the target card; an acquisition unit, configured to acquire logistics information of the target card based on the logistics tag after a preset time interval, and store the logistics information of the target card in a blockchain; and a sending unit, configured to send the logistics information to the customer if the logistics information is successfully stored in the blockchain.

[0016] Furthermore, the first production unit includes: an extraction subunit for extracting the customer's card production information and account information from the customer information, wherein the card production information includes at least: card appearance information and material information; a sending subunit for sending the card production information and account information to the card production equipment; an encryption subunit for encrypting the account information through the card production equipment to obtain encrypted account information, wherein the card production equipment produces the target card based on the card production information and the encrypted account information using laser engraving technology and chip burning technology; and a packaging subunit for packaging the target card and generating a logistics label based on the customer information.

[0017] Furthermore, the review unit includes: a receiving subunit for receiving the customer's biometric information and the customer's document image information via a terminal; a first identification subunit for identifying the customer's biometric information using biometric technology to obtain a biometric result; a second identification subunit for converting the customer's document image information into text information using optical character recognition technology, and identifying the customer's identity information based on the text information to obtain an identity recognition result; a third identification subunit for obtaining the customer's credit data and performing risk identification on the customer's credit data using natural language processing technology to obtain a risk identification result; and a determining subunit for determining the review result as approved if the biometric result, identity recognition result, and risk identification result all indicate that the review has passed.

[0018] Furthermore, the third identification subunit includes: a generation module, used to generate a customer profile based on the customer's credit data and customer information, wherein the credit data includes at least: credit information and overdue information; a matching module, used to match the risk customer list and customer profile of the financial institution to obtain a matching result; an identification module, used to identify whether there is risk information in the customer profile through a risk identification model to obtain a model identification result; and a determination module, used to determine the risk identification result based on the matching result and the model identification result.

[0019] Furthermore, the device also includes: a data acquisition unit, used to acquire raw material inventory data of bank cards within a preset time period through an Internet of Things sensor before receiving a card opening request initiated by a customer, to obtain time series data; a processing unit, used to process the time series data using a prediction algorithm to predict a target time period, wherein the target time period is used to indicate the time range corresponding to when the raw material inventory data is less than a first preset value; and a triggering unit, used to trigger a material replenishment request based on the target time period to ensure that the raw material inventory data of bank cards is greater than a second preset value, wherein the first preset value is less than the second preset value.

[0020] Furthermore, the device also includes: a generation unit, used to generate alarm information and send the alarm information to the target object when abnormal information is detected in the card making equipment; and a second production unit, used to send customer information to a backup production line, use the backup production line to replace the abnormal card making equipment, and use the backup production line to produce the target card based on the steps of making the target card from the card making equipment.

[0021] To achieve the above objectives, according to one aspect of this application, a computer program product is provided, including a computer program that, when executed by a processor, implements any of the above-described bank card issuance methods, and when executed by a processor, implements the steps of the bank card issuance methods in various embodiments of this application.

[0022] To achieve the above objectives, according to one aspect of this application, a computer-readable storage medium is provided, the computer-readable storage medium including stored computer instructions, wherein, when the computer instructions are executed by a processor, any of the above-described bank card issuing methods are implemented.

[0023] To achieve the above objectives, according to one aspect of this application, an electronic device is provided, including one or more processors and a memory, the memory being used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors cause the one or more processors to implement any of the above-described bank card issuing methods.

[0024] In this embodiment, a card issuance request initiated by a customer is received, and the customer information in the request is reviewed to obtain a review result. If the review result is approved, a target card is produced based on the customer information using a card-making device, and a logistics tag for the target card is generated. After a preset time interval, the logistics information of the target card is obtained based on the logistics tag and stored in the blockchain. Once the logistics information is successfully stored in the blockchain, it is sent to the customer. This solves the technical problem that financial institutions issue pre-made standardized cards to customers after they submit and approve their card issuance applications, which prevents financial institutions from supporting customers' customized needs.

[0025] By using audit results to drive card production and tag generation, the bank card manufacturing process is accelerated, enabling both personalized and standardized card manufacturing, thus further enhancing customer satisfaction. Furthermore, by regularly updating and storing logistics information on the blockchain using logistics tags, the transparency and security of card delivery status are ensured, achieving an immutable record of the logistics trajectory. Immediate feedback of this logistics information to customers optimizes communication efficiency, guarantees real-time awareness of card location, and improves the user experience throughout the entire service chain. In summary, this solution significantly improves the efficiency, accuracy, and security of bank card issuance, comprehensively enhancing service quality and customer experience. Attached Figure Description

[0026] The accompanying drawings, which form part of this application, are used to provide a further understanding of this application. The illustrative embodiments and descriptions of this application are used to explain this application and do not constitute an undue limitation of this application. In the drawings:

[0027] Figure 1 This is a hardware structure block diagram of a computer terminal (or mobile device) for implementing a bank card issuance method according to Embodiment 1 of this application;

[0028] Figure 2 This is a flowchart of an optional bank card issuance method provided according to Embodiment 1 of this application;

[0029] Figure 3 This is a schematic diagram of the structure of an optional bank card issuing system provided according to Embodiment 1 of this application;

[0030] Figure 4 This is a schematic diagram of an optional automated bank card manufacturing and packaging process provided according to Embodiment 1 of this application;

[0031] Figure 5 This is a full-process status sequence diagram of an optional bank card issuance system provided according to Embodiment 1 of this application;

[0032] Figure 6 This is a schematic diagram of a bank card issuing device according to Embodiment 2 of this application;

[0033] Figure 7 This is a schematic diagram of an electronic device for issuing bank cards according to Embodiment 3 of this application. Detailed Implementation

[0034] It should be noted that, unless otherwise specified, the embodiments and features described in this application can be combined with each other. This application will now be described in detail with reference to the accompanying drawings and embodiments.

[0035] It should be noted that the processing method, apparatus, storage medium, and electronic device specified in this application can be used in the financial technology field to support customized card production needs of customers when making bank cards, and can also be used in any field other than the financial technology field. The application field of the processing method, apparatus, storage medium, and electronic device specified in this application is not limited.

[0036] It should be noted that the information collected in this application (including but not limited to user device information, user personal information, collected data, used data, generated data, processed data, etc.) and the data (including but not limited to data used for analysis, stored data, displayed data, collected information, used information, generated information, processed information, etc.) 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 the relevant laws, regulations, and standards of the relevant countries and regions, and necessary confidentiality measures have been taken. These measures do not violate public order and good morals, and corresponding operation entry points are provided for users to choose to authorize or refuse. For example, this system has interfaces with relevant users or organizations, providing users with corresponding operation entry points for users to choose to agree to or refuse automated decision results; if the user chooses to refuse, the process proceeds to the expert decision-making stage.

[0037] Example 1

[0038] According to an embodiment of this application, a method for issuing bank cards is also provided. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0039] The method embodiment provided in Embodiment 1 of this application can be executed in a mobile terminal, computer terminal or similar computing device. Figure 1This is a hardware structure block diagram of a computer terminal (or mobile device) for implementing a bank card issuance method, according to Embodiment 1 of this application. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more processors 102 (shown as 102a, 102n in the figure, etc.) (processor 102 may include, but is not limited to, a microprocessor MCU or a programmable logic device FPGA, etc.), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (US) port (which may be included as one of the ports of the US bus), a network interface, a power supply, and / or a camera. Those skilled in the art will understand that... Figure 1 The structure shown is for illustrative purposes only and does not limit the structure of the aforementioned electronic device. For example, computer terminal 10 may also include... Figure 1 The more or fewer components shown, or having the same Figure 1 The different configurations shown.

[0040] It should be noted that the aforementioned one or more processors 102 and / or other data processing circuits are generally referred to herein as "data processing circuits". These data processing circuits may be embodied, in whole or in part, in software, hardware, firmware, or any other combination thereof. Furthermore, the data processing circuits may be a single, independent processing module, or may be integrated, in whole or in part, into any other element within the computer terminal 10 (or mobile device). As involved in the embodiments of this application, the data processing circuits serve as a processor control mechanism (e.g., selection of a variable resistor termination path connected to an interface).

[0041] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the bank card issuance method in this embodiment. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, thereby realizing the aforementioned bank card issuance method. The memory 104 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory 104 may further include memory remotely located relative to the processor 102, and these remote memories can be connected to the computer terminal 10 via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0042] The transmission device 106 is used to receive or send data via a network. Specific examples of the network described above may include a wireless network provided by the communication provider of the computer terminal 10. In one example, the transmission device 106 includes a Network Interface Controller (NIC), which can connect to other network devices via a base station to communicate with the Internet. In another example, the transmission device 106 may be a Radio Frequency (RF) module, used for wireless communication with the Internet.

[0043] The display can be, for example, a touchscreen liquid crystal display (LCD) that allows the user to interact with the user interface of the computer terminal 10 (or mobile device).

[0044] Under the aforementioned operating environment, this application provides the following: Figure 2 The method for issuing bank cards is shown. Figure 2 This is a flowchart of an optional bank card issuance method provided according to Embodiment 1 of this application.

[0045] Step S201: Receive the card activation request initiated by the customer, and verify the customer information in the card activation request to obtain the verification result.

[0046] In this embodiment 1, the card issuance request is submitted by the customer through a designated terminal interface, containing basic personal information and images of necessary identification documents. An information verification process is then initiated, parsing and structuring the customer's submitted materials. Subsequently, based on preset rules and algorithms, external credit data and internal database information are retrieved to assess the customer's identity, credit status, and potential risks, generating a verification result. The verification process aims to confirm the authenticity, legality, and compliance of the customer's information to determine whether to continue the card issuance process.

[0047] In step S202, if the audit result is approved, the target card is produced using a card-making device based on the customer information, and a logistics label for the target card is generated.

[0048] In this embodiment 1, once the review result is confirmed as approved, a card-making instruction will be sent to the card-making equipment according to the customer's card-making preferences (i.e., the aforementioned customer information, such as card design preferences). After receiving the card-making instruction, the card-making equipment will engrave the design on the card surface, write chip data, and affix a logistics label containing logistics information. The above steps ensure a seamless connection from review to card making, realizing the effective conversion of customer card opening requests into physical cards. At the same time, the generation of the logistics label provides the necessary tracking basis for subsequent card delivery, ensuring the full traceability of the card from card making to delivery to the customer.

[0049] Step S203: After a preset time interval, obtain the logistics information of the target card based on the logistics tag and store the logistics information of the target card in the blockchain.

[0050] In this embodiment 1, at preset time intervals, the current logistics status update of the target card is obtained based on the information coded in the logistics tag, i.e., the aforementioned logistics information, including but not limited to location information, processing node, and estimated arrival time. The obtained logistics information is then integrated and stored in the evidence storage node of the blockchain network. Utilizing the decentralized and tamper-proof characteristics of blockchain, the authenticity and integrity of the logistics data are ensured. This process constructs a transparent chain from card production to delivery. Each update of the logistics status is added to the blockchain as an independent record, forming time-series data, providing a reliable basis for subsequent auditing, problem tracing, and customer service.

[0051] Step S204: If the logistics information is successfully stored in the blockchain, the logistics information is sent to the customer.

[0052] In this embodiment 1, after the logistics information is verified and successfully recorded on the blockchain, information containing the latest logistics status of the target card is pushed to the corresponding customer's mobile application or email address via the customer terminal interface. This push notification ensures that the customer can receive updates from the automated system in a timely manner and understand the current logistics status and specific location of their applied bank card.

[0053] Optionally, in the bank card issuance method provided in Embodiment 1 of this application, the process of producing a target card based on customer information using a card-making device and generating a logistics label for the target card includes: extracting the customer's card-making information and account information from the customer information, wherein the card-making information includes at least: card appearance information and material information; sending the card-making information and account information to the card-making device; encrypting the account information using the card-making device to obtain encrypted account information, wherein the card-making device produces the target card based on the card-making information and the encrypted account information using laser engraving technology and chip burning technology; packaging the target card and generating a logistics label based on the customer information.

[0054] In this embodiment 1, to achieve efficient production and issuance of personalized bank cards, information specific to card production is first parsed and extracted from the application data submitted online by the customer. This includes, but is not limited to, the card's appearance design parameters and the type of material used, as well as sensitive data linked to the customer's account. This process ensures the accuracy of the card production instructions, satisfying both personalization needs and the security of account information.

[0055] Then, the extracted card appearance and material information, along with the account data, is securely transmitted to the automated card-making equipment. It is important to note that the data transmission process must be encrypted to prevent interception or tampering during transmission.

[0056] Secondly, after receiving the information, the card-making equipment first uses laser engraving technology to engrave the customer-specified design onto the card surface, ensuring the accuracy of the card design. Then, the equipment's built-in chip programming technology writes the encrypted account information into the card chip, completing the physical solidification of the information. This is a crucial step in realizing the card's functionality and security.

[0057] Secondly, after card production is completed, the target card is packaged by a robotic arm packaging unit. At the same time, a tag containing encrypted logistics instructions is generated based on customer information to ensure the consistency between card packaging and logistics information, thus avoiding the risk of mismatch during subsequent delivery.

[0058] Finally, the packaged bank card is attached to a logistics tag and enters the initial stage of the logistics and delivery system. The logistics tag not only contains the card's tracking information but also embeds encrypted data to ensure information security, providing a fundamental guarantee for the card's end-to-end tracking and secure delivery.

[0059] Through the above steps, the technology of quickly and securely converting customers' personalized needs and account information into physical cards is achieved. At the same time, it realizes the automation and refined management of card production and logistics distribution, which greatly improves the efficiency of banking services and customer satisfaction, and reduces operating costs and operational risks.

[0060] Optionally, in the bank card issuance method provided in Embodiment 1 of this application, the customer information in the card opening request is reviewed to obtain a review result, including: receiving the customer's biometric information and the customer's ID image information through a terminal; identifying the customer's biometric information using biometric technology to obtain a biometric result; converting the customer's ID image information into text information using optical character recognition technology, and identifying the customer's identity information based on the text information to obtain an identity recognition result; obtaining the customer's credit data, and performing risk identification on the customer's credit data using natural language processing technology to obtain a risk identification result; and determining the review result as approved if the biometric result, identity identification result, and risk identification result all indicate that the review has passed.

[0061] In this embodiment 1, in order to ensure the efficiency and security of bank card application, the system first receives biometric data, such as facial images or fingerprint information, and document image data, such as scanned copies of ID cards or passports, provided by the customer through the customer terminal interface.

[0062] Then, biometric technology is used to analyze and compare the collected biometric data (e.g., facial images or fingerprint information) to verify its consistency with the customer's biometric information stored in the database, thereby obtaining the biometric result. The uniqueness of biometrics provides a high degree of accuracy in identity verification.

[0063] Secondly, optical character recognition (OCR) technology is used to process the document images, accurately converting the text information in the images into an editable text format. Subsequently, through text matching and parsing, the customer's identity information is identified and confirmed, resulting in an identity verification result. Comparison of the OCR with subsequent identity information ensures the accurate entry and understanding of the document information.

[0064] Finally, customer credit data is obtained from multiple channels, and natural language processing (NLP) technology is used to analyze this unstructured or semi-structured data to identify potential credit risks and fraud signals, and to obtain risk identification results.

[0065] Through the above steps, biometric identification, optical character recognition, and natural language processing technologies are integrated to comprehensively verify the customer's identity and credit status. When the biometric, identity verification, and risk assessment results all indicate successful verification, the overall card application is deemed approved. This achieves high efficiency and accuracy in automated verification, reduces subjective errors from manual review, and enhances the standardization and security of the bank card application process. This technological solution significantly accelerates the bank card application and issuance cycle while reducing operating costs, providing customers with a fast and secure application experience.

[0066] Optionally, in the bank card issuance method provided in Embodiment 1 of this application, customer credit data is obtained, and risk identification is performed on the customer credit data using natural language processing technology to obtain risk identification results. This includes: generating a customer profile based on the customer's credit data and customer information, wherein the credit data includes at least: credit information and overdue information; matching the risk customer list and customer profile of a financial institution to obtain a matching result; identifying whether there is risk information in the customer profile through a risk identification model to obtain a model identification result; and determining the risk identification result based on the matching result and the model identification result.

[0067] In this embodiment 1, in order to build a comprehensive customer risk assessment system, customer information is first collected from multiple dimensions, including but not limited to their credit records and repayment history, and a detailed customer profile is generated based on this.

[0068] Next, the generated customer profile is cross-referenced with the risk customer list maintained by the financial institution to check for any matches, in order to preliminarily determine whether the customer has been classified as a high-risk individual. This step, through data comparison, quickly identifies potential high-risk applicants, improving the targeting of the review process.

[0069] Secondly, the risk identification model further analyzes customer profiles, focusing on checking for characteristics of poor credit behavior. The model operates based on deep learning algorithms, enabling it to identify difficult-to-detect risk patterns and enhancing the sensitivity of risk identification.

[0070] Finally, the matching results and model identification results are integrated to comprehensively evaluate the customer's risk level, forming the final risk identification result. This result guides the bank's card issuance decisions, ensuring that only qualified customers who have undergone rigorous risk assessments can receive services.

[0071] It is important to note that the process of obtaining customer information in this application strictly adheres to data protection and privacy regulations. Before submitting a card issuance request, customers must explicitly authorize and agree to have their basic information (such as name, contact information, and ID number) collected for identity verification and card issuance services. It is particularly emphasized that while customer-related information (e.g., customer biometrics, customer ID image information, customer information, and credit data) may be used for credit assessment in certain scenarios, its collection and processing fully comply with current privacy and security laws and do not involve the disclosure of personal information. Therefore, encrypted transmission and storage technologies can be employed to ensure that all sensitive information is encrypted during transmission and accessed only by authorized personnel or algorithms in a controlled environment when necessary. Furthermore, de-identification technology is used to process customer information to prevent direct association with specific individuals, thereby ensuring data availability while maintaining customer privacy and security.

[0072] Through the above steps, this technical solution enables multi-faceted review of customer creditworthiness, effectively balancing service convenience and risk controllability. It achieves the technical effect of accurately identifying credit risk, while optimizing customer review efficiency, reducing business losses caused by credit risk, and enhancing the risk control capabilities and market competitiveness of financial institutions.

[0073] Optionally, in the bank card issuance method provided in Embodiment 1 of this application, before receiving the card opening request initiated by the customer, the method further includes: collecting raw material inventory data of bank cards within a preset time period through an Internet of Things sensor to obtain time series data; processing the time series data using a prediction algorithm to predict a target time period, wherein the target time period is used to indicate the time range corresponding to when the raw material inventory data is less than a first preset value; triggering a material replenishment request based on the target time period to ensure that the raw material inventory data of bank cards is greater than a second preset value, wherein the first preset value is less than the second preset value.

[0074] In this embodiment 1, in order to prevent bank card production from being interrupted due to raw material shortages, IoT sensors are first used to continuously monitor the inventory level of raw materials, collect inventory change data within a specific period, and form a time series.

[0075] Then, advanced forecasting algorithms are used to analyze the aforementioned time series data to predict future periods of low raw material inventory, specifically the time interval during which inventory levels are expected to fall below a first preset value, equivalent to the aforementioned target time period. The forecasting algorithm generates predictions based on historical inventory data trends, combined with factors such as seasonal fluctuations and production plans, enabling it to accurately estimate inventory depletion rates and replenishment needs.

[0076] Secondly, replenishment requests are automatically sent to the supply chain based on the target time period. This ensures that card-making raw materials are replenished before inventory levels reach a first preset value, avoiding the risk of production stoppages.

[0077] Finally, by setting a second preset value to indicate sufficient inventory, it is possible to ensure that raw material reserves are sufficient to support the continuous production of bank cards.

[0078] Through the above steps, the ability to dynamically monitor and predict raw material inventory was achieved, effectively preventing production bottlenecks, optimizing supply chain management, reducing additional costs from emergency procurement, ensuring the stability and efficiency of bank card production, and guaranteeing the continuity and satisfaction of customer service.

[0079] Optionally, in the bank card issuance method provided in Embodiment 1 of this application, the method further includes: generating alarm information and sending the alarm information to the target object when abnormal information is detected in the card making equipment; sending customer information to the backup production line, using the backup production line to replace the abnormal card making equipment, and making the target card based on the card making equipment by using the backup production line to make the target card.

[0080] In this embodiment 1, in order to ensure the uninterrupted operation of the bank card production process, the working status of the card production equipment is continuously evaluated through a real-time monitoring system. Once the operating parameters of the equipment deviate from the normal range or a fault warning occurs, the anomaly detection mechanism is triggered immediately.

[0081] Then, the system automatically analyzes the anomaly information to confirm the nature and extent of the equipment failure, and subsequently generates detailed alarm information. The alarm information must include the identifier of the faulty equipment, the type of anomaly, and possible causes of the failure, ensuring the accuracy and completeness of the information. The alarm information is then immediately pushed to preset target groups, such as equipment maintenance personnel or management personnel.

[0082] Finally, if it is confirmed that the current card-making equipment cannot be immediately restored, the system automatically switches to the backup production line to ensure the continuity of card production. Upon receiving the customer information to be processed, the backup production line repeats the card-making steps described above, using laser engraving and chip programming technology to produce the target cards according to the customer's customized requirements, thereby avoiding the impact of a single point of failure on overall production efficiency.

[0083] Through the above steps, the ability to automatically detect faults and switch production is achieved, enabling a response to equipment failures at the first moment. This reduces waiting time for repairs and avoids delays in card production caused by faults, ensuring a stable output of bank cards.

[0084] According to an embodiment of this application, a system for implementing the above-described bank card issuance method is also provided. The system includes: a customer terminal for receiving a customer's card application and customer information; an audit module for auditing the customer's customer information and obtaining an audit result; a card-making device for producing a target card based on the customer information and the audit result, and generating a logistics tag for the target card; and a logistics tracking module for obtaining the logistics information of the target card based on the logistics tag every preset time interval, and storing the logistics information of the target card in a blockchain, wherein the customer receives the target card based on the logistics information.

[0085] In this embodiment 1, a bank card issuance system is provided to execute the aforementioned bank card issuance method, specifically for automating customer card application processing. The bank card issuance system includes a customer terminal, an approval module, card production equipment, and a logistics tracking module, achieving intelligent management of the entire process from application and approval to card production and logistics, thus improving service efficiency, ensuring data security, and enhancing customer experience.

[0086] The customer terminal receives customer card application and information, ensuring the accuracy of information collection and the legality of customer authorization. The review module automates the review of customer information, quickly outputting review results based on preset rules and models, achieving efficient screening and risk control. The card-making equipment produces personalized cards based on approved customer information and simultaneously generates logistics tags to support subsequent logistics processing. The logistics tracking module updates and stores the target card's logistics information based on the logistics tags within a preset time period, using blockchain technology for evidence storage to ensure the immutability of the information. Customers can use this information to check the card delivery status in real time. In summary, the bank card issuance system, through the collaborative operation of these modules, constructs a secure, efficient, and transparent automated bank card issuance process.

[0087] Optionally, in the bank card issuance method provided in Embodiment 1 of this application, the card manufacturing equipment includes: a feeding hopper for storing raw materials for bank cards of various materials, wherein the various materials include at least one of the following: polyvinyl chloride, metal; a laser engraving module for engraving on the surface of the bank card using a laser head based on customer information; a chip programming module for encrypting the account information in the customer information and writing the encrypted account information into the bank card; a quality inspection camera for capturing a target image of the target card after the target card is manufactured, wherein the target image is used to compare with the customer information to obtain a comparison result; and a robotic arm packaging module for packaging the target card according to the comparison result and attaching a logistics note, wherein the logistics note is generated based on a logistics label.

[0088] In this embodiment 1, in order to realize personalized production and efficient manufacturing of bank cards, the system is also equipped with a feeding hopper, a laser engraving module, a chip programming module, a quality inspection camera and a robotic arm packaging module.

[0089] The material inlet is used for bulk storage of various raw materials required for card production, including but not limited to polyvinyl chloride and metals, ensuring an uninterrupted material supply during the card production process. The laser engraving module precisely controls the laser head to engrave patterns on the card surface based on customized designs in the customer information, achieving personalized card design. The chip programming module encrypts sensitive data (such as account information) in the customer information and writes it into the card chip, ensuring the security of financial transactions. The quality inspection camera automatically captures images of the target cards after production and compares them with pre-stored templates in the customer information to confirm whether the card production quality meets standards. The robotic arm packaging module automatically packages the quality-inspected cards based on the inspection results. Simultaneously, the system automatically generates a logistics document based on the logistics label information, ensuring accurate delivery of logistics information. The robotic arm then affixes the logistics document to the packaged cards.

[0090] This embodiment 1 effectively automates and standardizes the bank card production process, significantly improves card production efficiency and card quality, and also enhances the tracking and management capabilities of logistics and distribution, achieving the technical effect of optimizing and upgrading the overall service chain.

[0091] Optionally, in the bank card issuance method provided in Embodiment 1 of this application, the system includes: a logistics application interface, used to acquire the logistics information of the target card after a preset time interval and send the logistics information to a blockchain node; a blockchain node, used to receive the logistics information and write the logistics information and timestamp information into the blockchain; a cloud database, used to store the logistics information of the target card after the logistics information and timestamp information are successfully written into the blockchain node, and send the logistics information of the target card to the customer; an inventory management module, used to predict the target time period when the raw material inventory data of the bank card is less than a first preset value based on the raw material inventory data of the bank card within a preset time period, and trigger a material replenishment request based on the target time period; and a backup production line, used to produce the target card based on the customer information in the event of a card manufacturing equipment failure.

[0092] In this embodiment 1, to ensure the transparency of bank card logistics and the continuity of the card production process, the system also includes a logistics application interface, a blockchain node, a cloud database and inventory management module, as well as a backup production line.

[0093] The logistics application interface is used to periodically obtain updates on the logistics status of target cards, such as "shipped" or "in transit," and send this information to blockchain nodes for recording on the distributed ledger. After receiving the logistics information, the blockchain nodes synchronously write a timestamp to ensure the time-series integrity and immutability of the data.

[0094] After logistics information and timestamps are successfully uploaded to the blockchain, the cloud database stores this data for future reference and pushes logistics updates to customer terminals, enabling customers to track card locations in real time. The inventory management module continuously monitors raw material inventory levels and automatically triggers replenishment requests before inventory is predicted to drop to a preset threshold, preventing card production interruptions due to material shortages.

[0095] The purpose of the backup production line is to automatically switch to the backup production line when the main card production equipment fails, and continue to complete the production of the target card based on the customer information, so as to ensure that the card production service is not affected by equipment failure and maintain business continuity.

[0096] Through the integration and application of the above structure, real-time tracking of logistics information and secure data storage are achieved, while ensuring the stability and efficiency of the card production process. This effectively eliminates the risk of potential business interruption and achieves the technical effects of optimizing logistics tracking, ensuring data security, and improving service reliability.

[0097] Optionally, in this embodiment 1, Figure 3 This is a schematic diagram of the structure of an optional bank card issuing system provided according to Embodiment 1 of this application. For example... Figure 3As shown, firstly, the customer submits an application for card activation through the application module on the mobile app or web page, which includes the customer's personal information and customized needs. This information is transmitted in encrypted form to ensure data security.

[0098] Then, after receiving the application, the business processing layer reviews the customer information through the review module according to preset rules and models, assesses the customer's qualifications and risk level, and the approved information will be forwarded to the physical execution layer.

[0099] Secondly, after receiving the card-making instruction, the card-making equipment at the physical execution layer selects blank cards of appropriate material from the feeding hopper and completes the personalized card production through the laser engraving module and chip programming module. The robotic arm packaging module packages the finished card and affixes a logistics label, after which the card is sent to the logistics sorting belt for delivery.

[0100] Finally, the logistics tracking module's logistics API interface interacts with blockchain nodes to update the card's logistics status in real time. The timestamps and data of all operations are recorded on the blockchain's notarization nodes, ensuring the information's immutability. This information is synchronously stored in a cloud database, supporting customer queries and business analysis.

[0101] Optionally, in this embodiment 1, Figure 4 This is a schematic diagram of an optional automated bank card manufacturing and packaging process provided in Embodiment 1 of this application. Figure 4 As shown, the feeding hopper serves as the starting point, storing blank substrates for making bank cards. The materials include PVC and metal to meet different customization needs.

[0102] Then, the blank card is transferred to the laser engraving module, where the laser head precisely performs surface engraving based on the customer's personalized pattern design, thus achieving the production of a customized card surface.

[0103] Secondly, the card is further sent to the chip programming module, where the customer account information is encrypted and processed with local keys by the edge computing node in the card manufacturing equipment, and then written into the chip to ensure data security and card functionality, thereby improving data processing speed and privacy protection.

[0104] Finally, after the cards are produced, the quality inspection camera automatically captures an image of the card and compares it with the original design to ensure that the finished card matches the design. Using a robotic arm packaging module, the finished card is placed into a box, and a document containing logistics information is affixed, before entering the logistics and transportation process.

[0105] Optionally, in this embodiment 1, Figure 5 This is a full-process status sequence diagram of an optional bank card issuance system provided according to Embodiment 1 of this application. For example... Figure 5As shown, firstly, customers submit application data containing their personal details through a terminal device. The system automatically records the timestamp of the operation to ensure that each step has an accurate time record.

[0106] Then, the review module receives customer information, initiates an intelligent review process, and verifies the customer's qualifications and the legality of the application content. Upon successful review, the system sends a card-making instruction to the card-making equipment to begin the production of personalized cards.

[0107] Secondly, during the card production stage, the card production equipment completes card production according to instructions, including laser engraving of the card surface design and encryption of chip data. Once card production is complete, the system automatically generates a logistics tag containing encrypted information, preparing for delivery.

[0108] Finally, the logistics tracking module updates the location information of the target card based on the logistics tag at preset time intervals, and updates the status such as "shipped" or "delivered". It also feeds back these statuses to the applicant in real time through the customer terminal and stores the information in the blockchain to ensure that the data is tamper-proof and transparent throughout the process.

[0109] Furthermore, in the exception handling process, if discrepancies or excessively high risks are detected during the review stage, the system will automatically reject the application and send a notification to the customer, prompting them to resubmit the correct application materials. This mechanism ensures the rigor of the review and the compliance of the application process.

[0110] It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions, and although a logical order is shown in the flowchart, in some cases the steps shown or described may be executed in a different order than that shown here.

[0111] In summary, the bank card issuance method provided in this application embodiment receives a card opening request initiated by a customer, verifies the customer information in the card opening request, and obtains a verification result; if the verification result is approved, a target card is produced based on the customer information using a card-making device, and a logistics tag for the target card is generated; after a preset time interval, the logistics information of the target card is obtained based on the logistics tag, and the logistics information of the target card is stored in the blockchain; if the logistics information is successfully stored in the blockchain, the logistics information is sent to the customer. This solves the problem in related technologies where financial institutions issue pre-made standardized cards to customers after the customer submits a card opening application and the application is approved, resulting in financial institutions being unable to support customers' customized needs.

[0112] By using audit results to drive card production and tag generation, the bank card manufacturing process is accelerated, enabling both personalized and standardized card manufacturing, thus further enhancing customer satisfaction. Furthermore, by regularly updating and storing logistics information on the blockchain using logistics tags, the transparency and security of card delivery status are ensured, achieving an immutable record of the logistics trajectory. Immediate feedback of this logistics information to customers optimizes communication efficiency, guarantees real-time awareness of card location, and improves the user experience throughout the entire service chain. In summary, this solution significantly improves the efficiency, accuracy, and security of bank card issuance, comprehensively enhancing service quality and customer experience.

[0113] Example 2

[0114] This application also provides a bank card issuing device. It should be noted that the bank card issuing device of this application can be used to execute the bank card issuing method provided in this application. The bank card issuing device provided in this application will be described below.

[0115] According to an embodiment of this application, an apparatus for implementing the above-described bank card issuance method is also provided. Figure 6 This is a schematic diagram of a bank card issuing device according to Embodiment 2 of this application. Figure 6 As shown, the device includes:

[0116] Specifically, the review unit 601 is used to receive the card opening request initiated by the customer, review the customer information in the card opening request, and obtain the review result.

[0117] The first production unit 602 is used to produce a target card based on customer information using a card-making device, and to generate a logistics label for the target card, if the audit result is approved.

[0118] The acquisition unit 603 is used to acquire the logistics information of the target card based on the logistics tag after a preset time interval, and store the logistics information of the target card in the blockchain.

[0119] Sending unit 604 is used to send logistics information to customers after the logistics information has been successfully stored in the blockchain.

[0120] The bank card issuing device provided in this application embodiment receives a card opening request initiated by a customer through an auditing unit 601, and audits the customer information in the card opening request to obtain an audit result; if the audit result is approved, the first production unit 602 produces a target card based on the customer information through a card making device, and generates a logistics tag for the target card; the acquisition unit 603 acquires the logistics information of the target card based on the logistics tag every preset time interval, and stores the logistics information of the target card in the blockchain; the sending unit 604 sends the logistics information to the customer if the logistics information is successfully stored in the blockchain. This solves the problem in related technologies where financial institutions issue pre-made standardized cards to customers after the customer submits a card opening application and the audit is approved, resulting in financial institutions being unable to support customers' customized needs.

[0121] By using audit results to drive card production and tag generation, the bank card manufacturing process is accelerated, enabling both personalized and standardized card manufacturing, thus further enhancing customer satisfaction. Furthermore, by regularly updating and storing logistics information on the blockchain using logistics tags, the transparency and security of card delivery status are ensured, achieving an immutable record of the logistics trajectory. Immediate feedback of this logistics information to customers optimizes communication efficiency, guarantees real-time awareness of card location, and improves the user experience throughout the entire service chain. In summary, this solution significantly improves the efficiency, accuracy, and security of bank card issuance, comprehensively enhancing service quality and customer experience.

[0122] Optionally, in the bank card issuing device provided in Embodiment 2 of this application, the first manufacturing unit 602 mentioned above includes: an extraction subunit for extracting the card manufacturing information and account information of the customer from the customer information, wherein the card manufacturing information includes at least: card appearance information and material information; a sending subunit for sending the card manufacturing information and account information to the card manufacturing equipment; an encryption subunit for encrypting the account information through the card manufacturing equipment to obtain encrypted account information, wherein the card manufacturing equipment manufactures the target card based on the card manufacturing information and the encrypted account information using laser engraving technology and chip burning technology; and a packaging subunit for packaging the target card and generating a logistics label based on the customer information.

[0123] Optionally, in the bank card issuing device provided in Embodiment 2 of this application, the aforementioned verification unit 601 includes: a receiving subunit, used to receive the customer's biometric information and the customer's document image information through a terminal; a first identification subunit, used to identify the customer's biometric information using biometric technology to obtain a biometric identification result; a second identification subunit, used to convert the customer's document image information into text information using optical character recognition technology, and to identify the customer's identity information based on the text information to obtain an identity recognition result; a third identification subunit, used to obtain the customer's credit data, and to perform risk identification on the customer's credit data using natural language processing technology to obtain a risk identification result; and a determining subunit, used to determine the verification result as verification passed when the biometric identification result, identity identification result, and risk identification result all indicate that the verification has been passed.

[0124] Optionally, in the bank card issuing device provided in Embodiment 2 of this application, the aforementioned third identification subunit includes: a generation module, used to generate a customer profile based on the customer's credit data and customer information, wherein the credit data includes at least: credit information and overdue information; a matching module, used to match the risk customer list and customer profile of the financial institution to obtain a matching result; an identification module, used to identify whether there is risk information in the customer profile through a risk identification model to obtain a model identification result; and a determination module, used to determine the risk identification result based on the matching result and the model identification result.

[0125] Optionally, in the bank card issuing device provided in Embodiment 2 of this application, the device further includes: a data acquisition unit, used to acquire raw material inventory data of bank cards within a preset time period through an Internet of Things sensor before receiving a card opening request initiated by a customer, to obtain time series data; a processing unit, used to process the time series data using a prediction algorithm to predict a target time period, wherein the target time period is used to indicate the time range corresponding to when the raw material inventory data is less than a first preset value; and a triggering unit, used to trigger a material replenishment request according to the target time period to ensure that the raw material inventory data of bank cards is greater than a second preset value, wherein the first preset value is less than the second preset value.

[0126] Optionally, in the bank card issuing device provided in Embodiment 2 of this application, the device further includes: a generation unit, used to generate alarm information and send the alarm information to the target object when abnormal information is detected in the card making equipment; and a second production unit, used to send customer information to a backup production line, use the backup production line to replace the abnormal card making equipment, and use the backup production line to produce the target card based on the steps of making the target card from the card making equipment.

[0127] It should be noted that the aforementioned review unit 601, first production unit 602, acquisition unit 603, and sending unit 604 correspond to steps S201 to S204 in Embodiment 1. The two modules and their corresponding steps implement the same instances and application scenarios, but are not limited to the content disclosed in Embodiment 1. It should be noted that the aforementioned modules or units can be hardware or software components stored in a memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n). The aforementioned modules can also be part of a device and can run in the computer terminal 10 provided in Embodiment 1.

[0128] Example 3

[0129] Embodiments of this application may provide an electronic device. Figure 7 This is a schematic diagram of an electronic device for issuing bank cards according to Embodiment 3 of this application. Figure 7 As shown, the electronic device may include: one or more ( Figure 7 Only one of the following is shown: processor 702, memory 704, memory controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module, and display.

[0130] The memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the methods and apparatus in the embodiments of this application. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, thereby implementing the above-described methods. The memory may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include memory remotely located relative to the processor, and these remote memories can be connected to the terminal via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0131] The processor can access the information and application programs stored in the memory via the transmission device to perform the following steps: receiving a card activation request initiated by a customer, verifying the customer information in the card activation request, and obtaining the verification result; if the verification result is successful, producing a target card based on the customer information through a card-making device, and generating a logistics tag for the target card; after a preset time interval, obtaining the logistics information of the target card based on the logistics tag, and storing the logistics information of the target card in the blockchain; if the logistics information is successfully stored in the blockchain, sending the logistics information to the customer.

[0132] The processor can access information and applications stored in the memory via a transmission device to perform the following steps: verifying customer information in the card issuance request and obtaining a verification result, including: receiving the customer's biometric information and image information of the customer's identification document through a terminal; identifying the customer's biometric information using biometric technology to obtain a biometric result; converting the customer's identification document image information into text information using optical character recognition technology, and identifying the customer's identity information based on the text information to obtain an identity verification result; acquiring the customer's credit data and performing risk identification on the customer's credit data using natural language processing technology to obtain a risk identification result; and determining the verification result as approved if the biometric result, identity verification result, and risk identification result all indicate that the verification has passed.

[0133] The processor can access information and applications stored in the memory via a transmission device to perform the following steps: acquiring customer credit data and performing risk identification on the customer credit data using natural language processing technology to obtain risk identification results, including: generating a customer profile based on the customer's credit data and customer information, wherein the credit data includes at least: credit information and overdue information; matching the risk customer list and customer profile based on the financial institution to obtain matching results; identifying whether there is risk information in the customer profile through a risk identification model to obtain model identification results; and determining the risk identification result based on the matching results and model identification results.

[0134] The processor can access information and applications stored in the memory via a transmission device to perform the following steps: Before receiving a card opening request initiated by a customer, the above method further includes: collecting raw material inventory data of bank cards within a preset time period through IoT sensors to obtain time series data; processing the time series data using a prediction algorithm to predict a target time period, wherein the target time period is used to indicate the time range corresponding to when the raw material inventory data is less than a first preset value; triggering a material replenishment request based on the target time period to ensure that the raw material inventory data of bank cards is greater than a second preset value, wherein the first preset value is less than the second preset value.

[0135] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: The above method also includes: generating alarm information and sending the alarm information to the target object when abnormal information is detected in the card making equipment; sending customer information to the backup production line, using the backup production line to replace the abnormal card making equipment, and making the target card based on the card making equipment by using the backup production line to make the target card.

[0136] This application provides a method for issuing bank cards. It involves receiving a card issuance request from a customer, verifying the customer information in the request, and obtaining a verification result. If the verification result is successful, a target card is produced using a card-making device based on the customer information, and a logistics tag for the target card is generated. Every preset time interval, the logistics information of the target card is obtained based on the logistics tag and stored in a blockchain. Once the logistics information is successfully stored in the blockchain, it is sent to the customer. This method solves the technical problem that financial institutions issue pre-made standardized cards to customers after they submit and approve their card issuance applications, making it impossible for financial institutions to support customized customer needs.

[0137] By using audit results to drive card production and tag generation, the bank card manufacturing process is accelerated, enabling both personalized and standardized card manufacturing, thus further enhancing customer satisfaction. Furthermore, by regularly updating and storing logistics information on the blockchain using logistics tags, the transparency and security of card delivery status are ensured, achieving an immutable record of the logistics trajectory. Immediate feedback of this logistics information to customers optimizes communication efficiency, guarantees real-time awareness of card location, and improves the user experience throughout the entire service chain. In summary, this solution significantly improves the efficiency, accuracy, and security of bank card issuance, comprehensively enhancing service quality and customer experience.

[0138] Those skilled in the art will understand that Figure 7 The structure shown is for illustrative purposes only. Electronic devices can also be smartphones, tablets, handheld computers, mobile internet devices (MIDs), PADs, and other terminal devices. Figure 7 This does not limit the structure of the aforementioned electronic device. For example, electronic devices may also include components that are more... Figure 7 The more or fewer components shown (such as network interfaces, display devices, etc.), or having the same Figure 7 The different configurations shown.

[0139] Those skilled in the art will understand that all or part of the steps in the various methods of the above embodiments can be implemented by a program instructing the hardware related to the terminal device. The program can be stored in a computer-readable storage medium, which may include: flash drive, read-only memory (ROM), random access memory (RAM), disk or optical disk, etc.

[0140] Example 4

[0141] Embodiments of this application also provide a storage medium. Optionally, in this embodiment, the storage medium can be used to store the program code executed by the bank card issuance method provided in Embodiment 1.

[0142] Optionally, in this embodiment, the storage medium may be located in any computer terminal in a group of computer terminals in a computer network, or in any mobile terminal in a group of mobile terminals.

[0143] This application also provides a computer program product that, when executed on a data processing device, is suitable for performing the steps of a bank card issuance method.

[0144] The sequence numbers of the embodiments in this application are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0145] In the above embodiments of this application, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments.

[0146] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. The device embodiments described above are merely illustrative; for example, the division of units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the displayed or discussed mutual coupling, direct coupling, or communication connection may be through some interfaces; the indirect coupling or communication connection between units or modules may be electrical or other forms.

[0147] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0148] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0149] If the integrated unit is implemented as 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 this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as a USB flash drive, read-only memory (ROM), random access memory (RAM), portable hard drive, magnetic disk, or optical disk.

[0150] The above description is only a preferred embodiment of this application. It should be noted that for those skilled in the art, several improvements and modifications can be made without departing from the principle of this application, and these improvements and modifications should also be considered within the scope of protection of this application.

Claims

1. A method for issuing bank cards, characterized in that, include: Receive a card activation request initiated by a customer, and verify the customer information in the card activation request to obtain the verification result; If the audit result is approved, the target card is produced using the card-making equipment based on the customer information, and the logistics label of the target card is generated. Every preset time interval, the logistics information of the target card is obtained based on the logistics tag, and the logistics information of the target card is stored in the blockchain; Once the logistics information is successfully stored in the blockchain, the logistics information will be sent to the customer.

2. The method according to claim 1, characterized in that, Based on the customer information, a target card is produced using a card-making device, and a logistics label for the target card is generated, including: Extract the customer's card production information and account information from the customer information, wherein the card production information includes at least: card appearance information and material information; The card issuance information and the account information are sent to the card issuance device; The account information is encrypted using the card-making equipment to obtain encrypted account information. The card-making equipment uses laser engraving technology and chip programming technology to produce the target card based on the card-making information and the encrypted account information. The target card is packaged, and the logistics label is generated based on the customer information.

3. The method according to claim 1, characterized in that, The customer information in the card activation request is reviewed to obtain the review results, including: The terminal receives the customer's biometric information and the customer's ID image information. The customer's biometric information is identified using biometric technology to obtain a biometric result; The customer's ID image information is converted into text information using optical character recognition technology, and the customer's identity information is identified based on the text information to obtain the identity recognition result; Obtain the customer's credit data and use natural language processing technology to identify risks in the customer's credit data to obtain risk identification results; If the biometrics result, identity verification result, and risk identification result all indicate that the review has passed, then the review result is determined to be approved.

4. The method according to claim 3, characterized in that, Obtain the customer's credit data and perform risk identification on the customer's credit data using natural language processing technology to obtain risk identification results, including: A customer profile is generated based on the customer's credit data and customer information, wherein the credit data includes at least: credit information and overdue information; The matching results are obtained by matching the risk customer list of financial institutions with the customer profile. The risk identification model is used to identify whether the customer profile contains risk information, and the model identification result is obtained. The risk identification result is determined based on the matching result and the model identification result.

5. The method according to claim 1, characterized in that, Before receiving a card activation request from a customer, the method further includes: Time series data is obtained by collecting raw material inventory data of bank cards within a preset time period through IoT sensors. The time series data is processed using a prediction algorithm to predict a target time period, wherein the target time period is used to indicate the time range corresponding to when the raw material inventory data is less than a first preset value; A material replenishment request is triggered based on the target time period to ensure that the raw material inventory data of the bank card is greater than a second preset value, wherein the first preset value is less than the second preset value.

6. The method according to any one of claims 1 to 2, characterized in that, The method further includes: If an abnormality is detected in the card-making device, an alarm message is generated and sent to the target object. The steps of sending the customer information to the backup production line, using the backup production line to replace the malfunctioning card-making equipment, and producing the target card based on the card-making equipment are performed by using the backup production line to produce the target card.

7. A bank card issuing system, characterized in that, The system includes: A customer terminal is used to receive a customer's card application and the customer's customer information. The review module is used to review the customer information of the customer and obtain the review result; Card-making equipment is used to produce target cards based on the customer information and the review results, and to generate logistics labels for the target cards; The logistics tracking module is used to obtain the logistics information of the target card based on the logistics tag after a preset time interval, and store the logistics information of the target card in the blockchain, wherein the customer receives the target card based on the logistics information.

8. The system according to claim 7, characterized in that, The card-making equipment includes: A feeding hopper is used to store raw materials for bank card cards made of various materials, wherein the various materials include at least one of the following: polyvinyl chloride and metal; A laser engraving module is used to engrave the customer information onto the surface of a bank card using a laser head. The chip programming module is used to encrypt the account information in the customer information and write the encrypted account information into the bank card. A quality inspection camera is used to capture a target image of the target card after the target card is made, wherein the target image is used to compare with the customer information to obtain a comparison result; The robotic arm packaging module is used to package the target card according to the comparison result and attach a logistics slip, wherein the logistics slip is generated based on the logistics label.

9. The system according to claim 7, characterized in that, The system includes: The logistics application interface is used to obtain the logistics information of the target card after a preset time interval and send the logistics information to the blockchain node; A blockchain node is used to receive the logistics information and write the logistics information and timestamp information into the blockchain; A cloud database is used to store the logistics information of the target card and send the logistics information of the target card to the customer after the logistics information and the timestamp information are successfully written to the blockchain node. The inventory management module is used to predict the target time period when the raw material inventory data of bank cards is less than a first preset value based on the raw material inventory data of bank cards within a preset time period, and to trigger a material replenishment request based on the target time period. A backup production line is used to produce the target card based on the customer information in the event of a failure of the card-making equipment.

10. A bank card issuing device, characterized in that, include: The review unit is used to receive card activation requests initiated by customers, review the customer information in the card activation requests, and obtain the review results. The first production unit is used to produce a target card based on the customer information using a card-making device, and to generate a logistics label for the target card, if the audit result is approved. The acquisition unit is used to acquire the logistics information of the target card based on the logistics tag every preset time interval, and store the logistics information of the target card in the blockchain; The sending unit is used to send the logistics information to the customer when the logistics information is successfully stored in the blockchain.

11. An electronic device, characterized in that, include: Memory, which stores executable programs; A processor for running the program, wherein the program, when running, executes the bank card issuance method according to any one of claims 1 to 6.

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

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