Medium-free bank card management method, system and equipment and medium

A management method and a medium-free technology, applied in the field of computer system applications, can solve the problem of lack of independence of virtual cards, and achieve the effect of reducing card production costs and improving management efficiency.

Pending Publication Date: 2022-01-21
FUJIAN RURAL CREDIT UNION
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the independence of the virtual card is missing, that is, it is necessary to open a physical card before the subsequent virtual account application

Method used

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  • Medium-free bank card management method, system and equipment and medium
  • Medium-free bank card management method, system and equipment and medium
  • Medium-free bank card management method, system and equipment and medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0069] This embodiment provides a kind of mediumless bank card management method, such as figure 2 shown, including;

[0070] In the bank's core system, a new "medialess debit card" card type is added. Users are only allowed to apply for cardless card opening through self-service machines. When the card opening transaction is successful, the corresponding card number will be generated in real time. The basic functions of the account and physical debit card match;

[0071] Obtain the medialess card application initiated by the user through the self-service machine, and send the user's card opening information to the bank's core system after verification; according to the channel for sending the card opening information to the self-service machine, the bank's core system selects the card type for card issuance as a medialess card One, after executing the card opening process, return the information to the self-service machine, prompting that the card without media card is succ...

Embodiment 2

[0112] In this embodiment, a mediumless bank card management device is provided, such as Figure 9 As shown, including: including: card type setting module, card management module and mobile banking module;

[0113] The card type setting module is used to add a new "mediumless debit card" card type in the core system of the bank. Users are only allowed to apply for cardless card opening through self-service machines. When the card opening transaction is successful, a corresponding card will be generated in real time. The card number and the basic functions of the account are consistent with those of the physical debit card;

[0114] The card management module is used to acquire the medialess card application initiated by the user through the self-service machine, and transmit the user's card opening information to the bank core system after verification; The card type is a non-media card type. After the card opening process is executed, the information will be returned to the...

Embodiment 3

[0125] This embodiment provides an electronic device, such as Figure 10 As shown, it includes a memory, a processor, and a computer program stored in the memory and operable on the processor. When the processor executes the computer program, any implementation manner in Embodiment 1 can be realized.

[0126] Since the electronic device introduced in this embodiment is the device used to implement the method in Embodiment 1 of this application, based on the method described in Embodiment 1 of this application, those skilled in the art can understand the electronic device of this embodiment. Specific implementation methods and various variations thereof, so how the electronic device implements the method in the embodiment of the present application will not be described in detail here. As long as a person skilled in the art implements the equipment used by the method in the embodiment of the present application, it all belongs to the protection scope of the present application....

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PUM

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Abstract

The invention discloses a medium-free bank card management method, which comprises the following steps: in a bank core system, newly adding a card type of a ''medium-free debit card'', wherein a user only allows to apply for medium-free card opening through a self-service machine tool, generating a corresponding card number in real time after card opening transaction succeeds, and the basic function of an account being consistent with that of an entity debit card; obtaining a medium-free card application initiated by the user through the self-service machine tool, and transmitting card activating information of the user to the bank core system after verification; according to a channel for sending the card activating information as a self-service machine tool, the bank core system selecting a card type for activating a card as a medium-free card type, after a card activating process is executed, returning information to the self-service machine tool, wherein the medium-free card is prompted to be successfully activated, and a corresponding card number is displayed and generated in real time; and after the media-free card is successfully opened, automatically signing and opening a mobile phone bank, and automatically binding with the media-free card. According to the medium-free bank card management method provided by the invention, a medium-free bank card use mode and overall management of independent card types are realized.

Description

technical field [0001] The invention relates to the technical field of computer system applications, in particular to a mediumless bank card management method, system, equipment and medium. Background technique [0002] The trend of cardless bank cards has been around for a long time. With the development of mobile Internet and mobile payment, the process of cardless bankcards has been accelerated. In addition, during this severe epidemic period, contactless finance is in full swing, calling for the arrival of the cardless era. A virtual bank card (hereinafter referred to as a virtual card) is a virtual account derived from the BIN code of UnionPay, VISA, and MasterCard on the bank card. It is essentially an electronic account without a physical carrier. [0003] The central bank issued new regulations on account management, "Notice of the People's Bank of China on Improving Personal Bank Account Services and Strengthening Account Management" (Yinfa [2015] No. 392, hereinaf...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/34G06Q20/40G06Q40/02
CPCG06Q20/351G06Q20/4014G06Q40/02
Inventor 陈兆雁马胜蓝郭超年刘芳王桐森
Owner FUJIAN RURAL CREDIT UNION
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