Card Binding via Optical Scan and Server Interaction

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Solution Overview

Problem

Users face inefficiencies in binding bank cards to applications due to varying settings for card binding functions across different applications, making it difficult to locate guiding entries and thus prolonging the card binding process.

Innovation Solution

A card binding method that allows users to scan an information carrier pattern to access a card binding page directly, acquiring and sending card numbers and user information to complete the binding between a card identifier and user identifier through interaction with card issuing and back-end servers, eliminating the need to manually find card binding entries.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If users manually locate card binding entries in applications with different settings, then card binding can be completed, but the time required increases and efficiency decreases

Engineering Contradiction:

Improvecard binding efficiencyVSAvoidtime to locate card binding entry

Core Design Contradiction:

ProductivityVSLoss of time

Solution Approach 1:

The patent introduces a camera as an intermediary tool to capture card information directly. Instead of manually navigating through application interfaces, users point the camera at the card, and the system automatically extracts and processes the card details, eliminating the time-consuming manual location and entry process

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent replaces the mechanical interaction of manually navigating menus and typing card details with an optical system. The camera captures card information optically, and image processing algorithms automatically extract the data, substituting manual mechanical operations with automated optical recognition

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Adaptability or versatility

If applications have different settings for card binding functions, then each application can be customized, but the complexity of locating and using card binding increases

Engineering Contradiction:

Improveapplication customizationVSAvoidcard binding process complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent creates a universal card binding solution that works across different applications. The camera-based card capture and recognition system serves as a multi-functional tool that can bind cards to any application without requiring users to learn different procedures for each application, thereby reducing complexity while maintaining adaptability

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Reliability

If users manually enter card details, then card binding can be completed, but the process becomes time-consuming and error-prone

Engineering Contradiction:

Improvecard binding accuracyVSAvoidtime for manual card entry

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The patent replaces manual typing and data entry with automated optical character recognition. The camera captures the card image, and processing algorithms automatically extract and verify card details, eliminating manual entry errors and reducing the time required for accurate data capture

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS20240354739A1Card binding method, user terminal, server, system and storage medium

Publication Date: 2024.10.24 CHINA UNIONPAY

AI summary

The present application provides a card binding method, a user terminal, a server, a card binding system and a storage medium. The method includes accepting an access from a user terminal to a first page address indicated by the user terminal calling a first application to scan an information carrier pattern, and acquiring a card number of a target card; acquiring user information about a target user from a back-end server of the first application; sending, to the user terminal, a second page address corresponding to a redirected card binding page; receiving a card binding confirmation message indicating identity information about the target user; and interacting with a card issuing server and a back-end server of a card binding application by using the identity information, to complete a binding between a card identifier of the target card and a user identifier of the target user in the card binding application.