CN104408611A

CN104408611A - Method and system for electronic banking transactions of other bank cards

Info

Publication number: CN104408611A
Application number: CN201410592682.XA
Authority: CN
Inventors: 邬大卫; 张勇; 王鑫; 郭思文; ***
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2014-10-29
Filing date: 2014-10-29
Publication date: 2015-03-11

Abstract

The embodiments of the invention disclose a method for electronic banking transactions of other bank cards. The method comprises the following steps: receiving registration account number information input at local bank clients through networks, and according to the registration account number information, finishing account registration at the electronic transaction platforms of the local bank clients; obtaining transaction processing requests of other bank cards, wherein the transaction processing requests carry correlation transaction packets, and other bank cards are other bank cards which establish binding relations with registration account numbers on the basis of the electronic transaction platforms of the local bank clients; according to the correlation transaction packets, analyzing service types of the transactions of other bank cards; and according to the analyzed service types of the transactions, performing service processing on other bank cards through the electronic transaction platforms of the local bank clients. By using the method and system provided by the invention, the function of processing services of other bank cards through a local bank electronic channel type transaction system is realized, and the trouble generated when users hold and keep safety shields of multiple banks and memorize user names and passwords of multiple E-banks or mobile phone banks is reduced.

Description

It is a kind of that he manages it the method and system that card electronic banking handles

Technical field

The present invention relates to account management technical field, particularly relate to a kind of he manage it the method and system that card electronic banking handles.

Background technology

Along with the development of financial industry, various bank is in full flourish, such as China Construction Bank, the National Industrial and Commercial Bank of China, the Agricutural Bank of China etc.In fact, a lot of client has the card of Duo Jia bank, and has the Web bank or Mobile banking etc. of Duo Jia bank.

At present, existing e-banking system business only supports the business transaction that one's own profession account is initiated, for he manage it card initiate business transaction demand cannot meet.Client needs to enter respectively separately the Web bank of Duo Jia bank or Mobile banking concludes the business, need to be grasped the using method of Duo Jia Web bank or Mobile banking simultaneously, and hold and take care of the safety shield of Duo Jia bank, remember the username and password of Duo Jia Web bank or Mobile banking.These need client to bear larger safe handling risk, the Net silver of other pet bank and cell phone bank system availability poor and there is no e-banking system, bring inconvenience to client.

Summary of the invention

Embodiment of the present invention technical matters to be solved is, there is provided a kind of he manage it the method and system that card electronic banking handles, adopt the present invention, he the business function of card can be manageed it by the process of one's own profession electronic channel class transaction system, decrease user hold and take care of the safety shield of Duo Jia bank, remember the trouble that the username and password of Duo Jia Web bank or Mobile banking brings, reduce the safe handling risk that user bears, solve user for the Net silver of some pet banks and cell phone bank system availability poor and there is no the problem of e-banking system.

In order to solve the problems of the technologies described above, embodiment of the present invention first aspect disclose a kind of he manage it the method that card electronic banking handles, comprising:

Receive by the information of network at one's own profession client input login account, and complete according to described login account information and log in the account of the electronic trade platform of described one's own profession client;

Obtain him and manage it the request of card transaction processing, described transaction processing request carries relationship trading message, described he to manage it card be that he that set up binding relationship based on the electronic trade platform of described one's own profession client and described login account manages it card;

According to described relationship trading message analysis he manage it card transaction type of service;

According to the type of service of the transaction analyzed, by the electronic trade platform of described one's own profession client to described he manage it card and carry out business processing.

Embodiment of the present invention second aspect disclose a kind of he manage it the system that card electronic banking handles, comprising:

Login module, for receiving by the information of network at one's own profession client input login account, and completes according to described login account information and logs in the account of the electronic trade platform of described one's own profession client;

Acquisition module, manage it the request of card transaction processing for obtaining him, described transaction processing request carries relationship trading message, described he to manage it card be that he that set up binding relationship based on the electronic trade platform of described one's own profession client and described login account manages it card;

Analysis module, for the relationship trading message obtained according to described acquisition module, analyze described he manage it the type of service of card transaction;

Service Processing Module, for the type of service of transaction analyzed according to described analysis module, by the electronic trade platform of described one's own profession client to described he manage it card and carry out business processing.

Implement the embodiment of the present invention, manage it card information by binding him in one's own profession client, can be realized him and manage it the business processing of card, there is following beneficial effect:

1, by one's own profession electronic channel class transaction system, as the process such as Web bank, Mobile banking, he manages it card business function, improves the function of electronic channel class transaction system, is more convenient to user and processes him and manage it card business;

2, facilitate user to grasp a Web bank, transaction that the using method of cellular network web bank system carries out multi-bank, decrease user hold and take care of the safety shield of Duo Jia bank, remember the trouble that the username and password of Duo Jia Web bank or Mobile banking brings, also reduce the safe handling risk that user bears simultaneously;

If the fairly perfect safety of the transaction system of 3 certain banks, client then can be facilitated to use the advantage of this bank transaction system to carry out business processing fully, solve user and use the Net silver of some pet banks and the poor problem even not having e-banking system of cell phone bank system availability.

Accompanying drawing explanation

In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.

Fig. 1 be the embodiment of the present invention provide he manage it card electronic banking and handle method flow schematic diagram;

Fig. 2 be provided by the invention he manage it card electronic banking and handle the schematic flow sheet of another embodiment of method;

Fig. 3 is the operation interface schematic diagram setting up binding relationship that the embodiment of the present invention provides;

Fig. 4 be provided by the invention he manage it card electronic banking and handle the schematic flow sheet of another embodiment of method;

Fig. 5 be provided by the invention he manage it card electronic banking and handle the schematic flow sheet of another embodiment of method;

Fig. 6 be provided by the invention he manage it card electronic banking and handle the schematic flow sheet of another embodiment of method;

Fig. 7 be the embodiment of the present invention provide he manage it card electronic banking and handle the structural representation of system;

Fig. 8 be provided by the invention he manage it card electronic banking and handle the structural representation of another embodiment of system;

Fig. 9 is the structural representation of binding module provided by the invention;

Figure 10 is the structural representation of Service Processing Module provided by the invention;

Figure 11 is the structural representation of another embodiment of Service Processing Module provided by the invention;

Figure 12 is the structural representation of another embodiment of Service Processing Module provided by the invention.

Embodiment

Below in conjunction with the accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.

It should be noted that, the term used in embodiments of the present invention is only for the object describing specific embodiment, and not intended to be limiting the present invention." one ", " described " and " being somebody's turn to do " of the singulative used in the embodiment of the present invention and appended claims is also intended to comprise most form, unless context clearly represents other implications.It is also understood that term "and/or" used herein refer to and comprise one or more project of listing be associated any or all may combine.

Client in the embodiment of the present invention can soften process for the application run in user terminal, such as Web bank, Mobile banking, note bank, telephone bank etc., the login account that described client can be inputted by user logs in corresponding electronic trade platform, and carries out business processing.Wherein said user terminal can comprise the internet devices such as PC, smart mobile phone (as Android phone, iOS mobile phone etc.), panel computer, palm PC, mobile internet device (MID, Mobile Internet Devices) or wearable intelligent equipment.

See Fig. 1, be provided by the invention he manage it card electronic banking and handle method flow schematic diagram, the method comprises:

Step S100: receive by the information of network at one's own profession client input login account, and complete according to described login account information and log in the account of the electronic trade platform of described one's own profession client;

Particularly, in process, he manages it before card electronic banking user, needs the electronic trade platform logging in one's own profession client; Described electronic trade platform can soften process, such as Web bank, Mobile banking etc. for the application run in described client, and the login account that described client can be inputted by user logs in corresponding electronic trade platform, and carries out business processing; Wherein said client can comprise the internet devices such as PC, smart mobile phone (as Android phone, iOS mobile phone etc.), panel computer, palm PC, mobile internet device (MID, Mobile Internet Devices) or wearable intelligent equipment.Such as, client personal computer runs the Web bank having China Construction Bank, user inputs the information such as account, password of the China Construction Bank that user holds in the electronic trade platform of described Web bank, carries out account login.

Step S102: obtain him and manage it the request of card transaction processing, described transaction processing request carries relationship trading message, described he to manage it card be that he that set up binding relationship based on the electronic trade platform of described one's own profession client and described login account manages it card;

Particularly, obtain user to process him and manage it the request of card transaction processing, such as, obtain the request Agricutural Bank of China being carried out to business processing on the electronic trade platform of the Web bank of China Construction Bank, described business processing request carries relationship trading message, described relationship trading message can including but not limited to type of service, Transaction Account number, dealing money, exchange hour etc., wherein, before the electronic trade platform of the Web bank of China Construction Bank carries out business to the Agricutural Bank of China, user hold he manage it card-Agricutural Bank of China account with logged in China Construction Bank for account carried out binding relationship.

Step S104: according to described relationship trading message analysis he manage it card transaction type of service;

Particularly, analyze described he manage it the type of service of card transaction, described type of service can including but not limited to transferring accounts, inquiry into balance, noble metal dealing, finance product dealing etc.

Step S106: according to the type of service of the transaction analyzed, by the electronic trade platform of described one's own profession client to described he manage it card and carry out business processing;

Particularly, such as, according to the transaction business type of the Agricutural Bank of China analyzed, at the electronic trade platform of described China Construction Bank, the Agricutural Bank of China is carried out him and manages it card business process.

See Fig. 3, be provided by the invention he manage it card electronic banking and handle the schematic flow sheet of another embodiment of method, the method comprises:

Step S200: receive by the information of network at one's own profession client input login account, and complete according to described login account information and log in the account of the electronic trade platform of described one's own profession client;

Particularly, in process, he manages it before card electronic banking user, needs the electronic trade platform logging in one's own profession client; Described electronic trade platform can soften process, such as Web bank, Mobile banking etc. for the application run in described client, and the login account that described client can be inputted by user logs in corresponding electronic trade platform, and carries out business processing; Wherein said client can comprise the internet devices such as PC, smart mobile phone (as Android phone, iOS mobile phone etc.), panel computer, palm PC, mobile internet device (MID, Mobile Internet Devices) or wearable intelligent equipment.Such as, client personal computer runs the Web bank having China Construction Bank, can be inputted the information such as account, password of the China Construction Bank that user holds in the electronic trade platform of described Web bank by the network user, the account of carrying out China Construction Bank's (i.e. one's own profession card) logs in.

Step S202: receive set up described he manage it card and the request based on the binding relationship of the described login account of described one's own profession client electronic transaction platform, described request comprises binding, and he manages it the information of card relation;

Particularly, such as, one's own profession client can be the Web bank of China Construction Bank, he manages it Agricutural Bank of China's card that card can be held for user, after step S200 user logs in the Web bank of China Construction Bank, receive the request of setting up the described Agricutural Bank of China and the binding relationship of the China Construction Bank logged in based on Web bank user, described request can be the binding information of the Agricutural Bank of China and China Construction Bank.

Step S204: according to described bind request export prompting input binding described he manage it the message of card information;

Particularly, according to the request of the binding relationship that step S202 receives, described one's own profession client ejects prompting message frame, as shown in Figure 3, may be used for pointing out user in described message box, input to be bound he and manage it the information of card, described he manage it card information can including but not limited to wait to bind he manage it card account, preset he manage it the password etc. of card.

Same, according to the request of the binding relationship that step S202 receives, described one's own profession client also can export prompting message frame on the webpage of Web bank originally, may be used for pointing out user in described message box, input to be bound he and manage it the information of card, described he manage it card information can including but not limited to wait to bind he manage it card account, preset he manage it the password etc. of card.

Step S206: receive the first authorization information, described first authorization information be according to described prompting input binding described he manage it the message of card information and the information that inputs;

Particularly, in the message box exported in step S204, to be bound he receiving user's input manage it card account with described he manage it default password corresponding to card account.Such as, in the message box that Web bank of the China Construction Bank page exports, receive password corresponding to the account of the Agricutural Bank of China to be bound of user's input and the Agricutural Bank of China.Described first checking message can including but not limited to the account of the Agricutural Bank of China to be bound corresponding pre-set he manage it card payment cipher, the identifying code etc. be sent on user mobile phone.

Step S208: judge described first authorization information with described he manage it card preset the second authorization information whether consistent;

Particularly, whether the first checking message receiving user's input in determining step S206 is consistent with the second authorization information; Described second authorization information include but not limited to that he manages it that card presets he manage it card payment cipher, to described he manage it the identifying code etc. that mobile phone that card user is associated sends.

Step S210: store described he manage it card binding information, complete described he manage it card and the binding relationship based on the described login account of described one's own profession client electronic transaction platform;

Particularly, when the judged result of step S208 is for being, can store described he manage it card and the binding relationship based on the described login account of described one's own profession client electronic transaction platform, such as, when the Web bank of China Construction Bank receives the first authorization information of Agricutural Bank of China's account of user's input, time consistent with the second authorization information of the described Agricutural Bank of China account that user pre-sets, judged result is yes, so trigger binding relationship success, store described he manage it the binding information of card, described he to manage it the binding information of card be the binding relationship of his Hang Ka Agricutural Bank of China that user is to be bound and described client China Construction Bank.

Step S211: do not set up described he manage it card and the binding relationship based on the described login account of described one's own profession client electronic transaction platform;

Particularly, when the judged result of step S208 is no, does not trigger binding relationship or trigger binding relationship failure, so do not set up described he manage it card and the binding relationship based on the described login account of described one's own profession client electronic transaction platform.

Step S212: obtain him and manage it the request of card transaction processing, described transaction processing request carries relationship trading message, described he to manage it card be that he that set up binding relationship based on the electronic trade platform of described one's own profession client and described login account manages it card;

Step S214: according to described relationship trading message analysis he manage it card transaction type of service;

Step S216: according to the type of service of the transaction analyzed, by the electronic trade platform of described one's own profession client to described he manage it card and carry out business processing;

Particularly, step S212 to S216 with reference to step S102 to S106 in above-mentioned Fig. 1 embodiment, can repeat no more here.

See Fig. 4, be provided by the invention he manage it card electronic banking and handle the schematic flow sheet of another embodiment of method, the method comprises:

Step S300: receive by the information of network at one's own profession client input login account, and complete according to described login account information and log in the account of the electronic trade platform of described one's own profession client;

Step S302: obtain him and manage it the request of card transaction processing, described transaction processing request carries relationship trading message, described he to manage it card be that he that set up binding relationship based on the electronic trade platform of described one's own profession client and described login account manages it card;

Step S304: according to described relationship trading message analysis he manage it card transaction type of service;

Particularly, step S300 to S304 with reference to step S100 to S104 in above-mentioned Fig. 1 embodiment, can repeat no more here.

Step S306: when analyze described he manage it the type of service of card transaction be the first type of service time, by described relationship trading message repeating to Unionpay's system, him can be made described in described Unionpay notifications to manage it card core system and described one's own profession core system and to carry out data interaction;

Particularly, carrying out him according to step S304 to described relationship trading message manages it after card transaction business type analysis, when analyze described he manage it the type of service of card transaction be the first type of service time, described relationship trading message can be sent to Unionpay's system, described Unionpay system can be registered described relationship trading message and store.Described first type of service is including but not limited to account balance inquiry etc., and relationship trading message manages it the information such as account, bank of deposit, account holder name, type of service, transaction Currency Type type of card including but not limited to him.After described Unionpay system acceptance to described relationship trading message, described relationship trading message repeating can be manageed it card to him, can notify described he manage it the core system of card and carry out relationship trading, can conclude the business with the core system of one's own profession client.Such as, when analyze process he manage it the type of transaction of card be account balance inquiry time, manage it the relationship trading message repeating of card inquiry into balance to described Unionpay system by comprising him, Unionpay's system is registered and after storing, can by described include described he manage it the relationship trading message of card inquiry into balance and be sent to him and manage it card core system, notice described he manage it card core system to described he manage it card carry out inquiry into balance and and one's own profession client carry out data interaction.

Step S308: receive described he manage it that card core system sends described he manage it that card core system inquires described he manage it the first data of card;

Particularly, according to step S306, he manages it after card core system carries out business processing to described first type of service, can receive him and manage it the first data value that card core system inquires to one's own profession client, described first data value is including but not limited to account balance value.Such as, the account balance value of the Agricutural Bank of China that Agricutural Bank of China's core system inquires is received.

Step S310: show described he manage it the first data of card, complete to described he manage it the business processing of card.

Particularly, the first data received in step S308 can be pushed to client, user can be made to check, and he manages it the first data value of card; Such as, show that the account balance value of the described Agricutural Bank of China is to client, notify that user checks that he manages it card account balance value, complete the business processing of the first type of service.

See Fig. 5, be provided by the invention he manage it card electronic banking and handle the schematic flow sheet of another embodiment of method, the method comprises:

Step S400: receive by the information of network at one's own profession client input login account, and complete according to described login account information and log in the account of the electronic trade platform of described one's own profession client;

Step S402: obtain him and manage it the request of card transaction processing, described transaction processing request carries relationship trading message, described he to manage it card be that he that set up binding relationship based on the electronic trade platform of described one's own profession client and described login account manages it card;

Step S404: according to described relationship trading message analysis he manage it card transaction type of service;

Particularly, step S400 to S404 with reference to step S100 to S104 in above-mentioned Fig. 1 embodiment, can repeat no more here.

Step S406: when analyze described he manage it the type of service of card transaction be the second type of service time, by described relationship trading message repeating to Unionpay's system, him can be made described in described Unionpay notifications to manage it card core system and described one's own profession core system and to carry out data interaction;

Particularly, carrying out him according to step S404 to described relationship trading message manages it after card transaction business type analysis, when analyze described he manage it the type of service of card transaction be the second type of service time, described relationship trading message can be sent to Unionpay's system, described Unionpay system can be registered described relationship trading message and store.Described second type of service including but not limited to account transfer business etc., relationship trading message including but not limited to he manage it the account of card, bank of deposit, account holder name, type of service, transaction Currency Type type, accept the information such as the account account of transferring accounts.After described Unionpay system acceptance to described relationship trading message, described relationship trading message repeating can be manageed it card to him, with notify described he manage it the core system of card and carry out relationship trading, and to conclude the business with the core system of one's own profession client.Such as, the account accepting to transfer accounts can be the National Industrial and Commercial Bank of China, when analyze process he manage it the type of transaction of card be account transfer time, by comprise he manage it card transfer accounts and accept account and the National Industrial and Commercial Bank of China transferred accounts the relationship trading message repeating of the information such as account to described Unionpay system, Unionpay's system is registered and after storing, can be included him manage it described the relationship trading message of the information such as account account that card transfer amounts and acceptance transfers accounts and be sent to him and manage it card core system, notice described he manage it card core system to described he manage it card carry out transferred account service and and one's own profession client carry out data interaction.

Step S408: receive described he manage it that card core system sends described he manage it that card core system inquires described he manage it the second data of card;

Particularly, described second data manage it card account balance etc. including but not limited to him, such as, receive the account balance value of the described Agricutural Bank of China that Agricutural Bank of China's core system sends.

Step S410: judge described he manage it the second data of card and whether reach the data value of described second type of service;

Particularly, according to the account balance value of the Agricutural Bank of China that step S408 receives, judge whether described account balance value is greater than or equal to the transfer amounts value of described second type of service.

Step S412: when described judged result is for being, shifts according to the described relationship trading message pair data consistent with the data value of the second type of service, finishing service process;

Particularly, when the judged result of step S410 is for being, namely described account balance value is greater than or equal to described transfer amounts, then described transfer amounts can be transferred accounts to receiving the account of transferring accounts by one's own profession client; Such as, one's own profession client can be China Construction Bank, and transfer amounts is transferred accounts to the National Industrial and Commercial Bank of China by the core system of China Construction Bank, completes transferred account service.In addition, transfer result can be sent to described Unionpay system by the core system of China Construction Bank, described Unionpay system is according to the described transfer result received, and the notice Agricutural Bank of China, returns to China Construction Bank by the amount of money consistent with described transfer amounts.

Step S414: when described judged result is no, do not carry out the business processing of described second type of service.

Particularly, when the judged result of step S410 is no, namely described account balance value is less than described transfer amounts, then do not trigger transferred account service, does not carry out the business processing of described second type of service.

See Fig. 6, be provided by the invention he manage it card electronic banking and handle the schematic flow sheet of another embodiment of method, the method comprises:

Step S500: receive by the information of network at one's own profession client input login account, and complete according to described login account information and log in the account of the electronic trade platform of described one's own profession client;

Step S502: obtain him and manage it the request of card transaction processing, described transaction processing request carries relationship trading message, described he to manage it card be that he that set up binding relationship based on the electronic trade platform of described one's own profession client and described login account manages it card;

Step S504: according to described relationship trading message analysis he manage it card transaction type of service;

Particularly, step S500 to S504 with reference to step S100 to S104 in above-mentioned Fig. 1 embodiment, can repeat no more here.

Step S506: when analyze described he manage it the type of service of card transaction be the 3rd type of service time, by described relationship trading message repeating to Unionpay's system, him can be made described in described Unionpay notifications to manage it card core system and described one's own profession core system and to carry out data interaction;

Particularly, carrying out him according to step S504 to described relationship trading message manages it after card transaction business type analysis, when analyze described he manage it the type of service of card transaction be the 3rd type of service time, described relationship trading message can be sent to Unionpay's system, described Unionpay system can be registered described relationship trading message and store.Described 3rd type of service is including but not limited to noble metal dealing, finance product dealing etc., and relationship trading message manages it the information such as account, bank of deposit, account holder name, type of service, dealing money, transaction Currency Type type of card including but not limited to him.After described Unionpay system acceptance to described relationship trading message, described relationship trading message repeating can be manageed it card to him, with notify described he manage it the core system of card and carry out relationship trading, and to conclude the business with the core system of one's own profession client.Such as, when transaction business type is noble metal dealing business, the relationship trading message including the information such as noble metal dealing, the bargain transaction amount of money is sent to described Unionpay system, described Unionpay system is registered and after storing, the described relationship trading message including the information such as noble metal dealing, the bargain transaction amount of money can be sent to him and manage it card core system, notice described he manage it card core system to described he manage it card carry out noble metal dealing and and one's own profession client carry out data interaction.

Step S508: receive described he manage it that card core system sends described he manage it that card core system inquires described he manage it the 3rd data of card;

Particularly, described 3rd data manage it card account balance etc. including but not limited to him, such as, receive the account balance value of the described Agricutural Bank of China that Agricutural Bank of China's core system sends.

Step S510: judge described he manage it the 3rd data of card and whether reach the data value of described 3rd type of service;

Particularly, according to the account balance value of the Agricutural Bank of China that step S508 receives, judge whether described account balance value is greater than or equal to the dealing money value of the noble metal dealing of described 3rd type of service.

Step S512: when judged result is for being, described in being matched by the data value with described 3rd type of service, he manages it the data value of card and is transferred to default TU Trunk Unit;

Particularly, when the judged result of step S510 is for being, namely described account balance value is greater than or equal to the data value of described 3rd business, can he manages it card data value and transfers accounts to the relaying account of one's own profession client by described in consistent with described 3rd business; Such as, one's own profession client can be China Construction Bank, he manages it card is the Agricutural Bank of China, when the account balance of the Agricutural Bank of China is greater than or equal to the dealing money value of noble metal dealing, the account value of the Agricutural Bank of China consistent with described noble metal bargain transaction amount of money value is transferred to the relaying account of China Construction Bank.Described relaying is a transmission channel of point-to-point transmission, these 2 normally switching centres.Described relaying account is the virtual account that China Construction Bank pre-sets.

Step S513: when judged result is no, does not carry out the business processing of described 3rd type of service;

Particularly, when the judged result of step S510 is no, namely described account balance value is less than the data value of described 3rd business, then do not trigger noble metal dealing business, do not carry out the business processing of described 3rd type of service.

Step S514: carry out business processing according to the data value of described 3rd type of service by described default TU Trunk Unit;

Particularly, when in step S512, he manages it after described dealing money to be transferred to the relaying account of one's own profession client by card, core system can carry out noble metal dealing according to the fund in described relaying account, completes the business processing of the 3rd type of service.

See Fig. 7, be the embodiment of the present invention provide he manage it card electronic banking and handle the structural representation of system, wherein, as shown in Figure 7, he manages it card electronic banking and handles system 70 and comprise this: login module 700, acquisition module 704, analysis module 706, Service Processing Module 708, wherein

Login module 700 for receiving by the information of network at one's own profession client input login account, and completes according to described login account information and logs in the account of the electronic trade platform of described one's own profession client; In process, he manages it before card electronic banking user, needs the electronic trade platform logging in one's own profession client; Described electronic trade platform can soften process, such as Web bank, Mobile banking etc. for the application run in described client, and the login account that described client can be inputted by user logs in corresponding electronic trade platform, and carries out business processing; Wherein said client can comprise the internet devices such as PC, smart mobile phone (as Android phone, iOS mobile phone etc.), panel computer, palm PC, mobile internet device (MID, Mobile InternetDevices) or wearable intelligent equipment.Such as, client personal computer runs the Web bank having China Construction Bank, user inputs the information such as account, password of the China Construction Bank that user holds in the electronic trade platform of described Web bank, carries out account login;

Acquisition module 704 manages it the request of card transaction processing for obtaining him, and described transaction processing request carries relationship trading message, described he to manage it card be that he that set up binding relationship based on the electronic trade platform of described one's own profession client and described login account manages it card, such as, obtain the request Agricutural Bank of China being carried out to business processing on the electronic trade platform of the Web bank of China Construction Bank, described business processing request carries relationship trading message, described relationship trading message can including but not limited to type of service, Transaction Account number, dealing money, exchange hour etc., wherein, before the electronic trade platform of the Web bank of China Construction Bank carries out business to the Agricutural Bank of China, user hold he manage it card-Agricutural Bank of China account with logged in China Construction Bank for account carried out binding relationship,

The relationship trading message of analysis module 706 for obtaining according to described acquisition module 704, analyze described he manage it the type of service of card transaction; Described type of service can including but not limited to transferring accounts, inquiry into balance, noble metal dealing, finance product dealing etc.;

The type of service of transaction of Service Processing Module 708 for analyzing according to described analysis module 706, by the electronic trade platform of described one's own profession client to described he manage it card and carry out business processing; Such as, according to the transaction business type of the Agricutural Bank of China analyzed, at the electronic trade platform of described China Construction Bank, can be carried out him to the Agricutural Bank of China and manage it card business process.

See Fig. 8, be provided by the invention he manage it card electronic banking and handle the structural representation of another embodiment of system, wherein, as shown in Figure 8, he manages it card electronic banking and handles system 70 and comprise this: login module 700, binding module 702, acquisition module 704, analysis module 706, Service Processing Module 708, wherein

Login module 700 for receiving by the information of network at one's own profession client input login account, and completes according to described login account information and logs in the account of the electronic trade platform of described one's own profession client;

Binding module 702 for after logging in the account of the electronic trade platform of one's own profession client in login module 700, set up described he manage it card and the binding relationship based on the described login account of described one's own profession client electronic transaction platform;

Acquisition module 704 for set up in binding module 702 described he manage it after card and the binding relationship based on the described login account of described one's own profession client electronic transaction platform, obtain him and manage it the request of card transaction processing, described transaction processing request carries relationship trading message, described he to manage it card be that he that set up binding relationship based on the electronic trade platform of described one's own profession client and described login account manages it card;

The relationship trading message of analysis module 706 for obtaining according to described acquisition module 704, analyze described he manage it the type of service of card transaction;

The type of service of transaction of Service Processing Module 708 for analyzing according to described analysis module 706, by the electronic trade platform of described one's own profession client to described he manage it card and carry out business processing.

See Fig. 9, it is the structural representation of binding module provided by the invention, wherein, as shown in Figure 9, this binding module 702 comprises: the first receiving element 70200, first output unit 70202, second receiving element 70204, first judging unit 70206, storage are bound unit 70208, do not set up binding unit 702010, wherein

First receiving element 70200, for in acquisition, he manages it before the request of card transaction processing, receive set up described he manage it card and the request based on the binding relationship of the described login account of described one's own profession client electronic transaction platform, described request comprises binding, and he manages it the information of card relation; Such as, one's own profession client can be the Web bank of China Construction Bank, he manages it Agricutural Bank of China's card that card can be held for user, after user logs in the Web bank of China Construction Bank, receive the request of setting up the described Agricutural Bank of China and the binding relationship of the China Construction Bank logged in based on Web bank user, described request can be the binding information of the Agricutural Bank of China and China Construction Bank;

First output unit 70202, for export according to the described bind request of described first receiving element 70200 prompting input binding described he manage it the message of card information; Such as, according to the request of the binding relationship that the first receiving element 70200 receives, described one's own profession client ejects prompting message frame, as shown in Figure 3, may be used for pointing out user in described message box, input to be bound he and manage it the information of card, described he manage it card information can including but not limited to wait to bind he manage it card account, preset he manage it the password etc. of card; Same, according to the request of the binding relationship that the first receiving element 70200 receives, described one's own profession client also can export prompting message frame on the webpage of Web bank originally, may be used for pointing out user in described message box, input to be bound he and manage it the information of card, described he manage it card information can including but not limited to wait to bind he manage it card account, preset he manage it the password etc. of card;

Second receiving element 70204, for receiving the first authorization information, described first authorization information be the prompting input binding that exports according to described first output unit 70202 described he manage it the message of card information and the information that inputs; Such as, as described in Figure 3, in the message box that can export on Web bank of the China Construction Bank page, password corresponding to the account of the Agricutural Bank of China to be bound of user's input and the Agricutural Bank of China is received; Described first checking message can including but not limited to the account of the Agricutural Bank of China to be bound corresponding pre-set he manage it card payment cipher, the identifying code etc. be sent on user mobile phone;

First judging unit 70206, for judge the first authorization information that described second receiving element 70204 receives with described he whether manage it the second authorization information that card presets consistent; Described second authorization information include but not limited to that he manages it that card presets he manage it card payment cipher, to described he manage it the identifying code etc. that mobile phone that card user is associated sends;

Store binding unit 70208, for when the result of described first judging unit 70206 is for being, store described he manage it card binding information, complete described he manage it card and the binding relationship based on the described login account of described one's own profession client electronic transaction platform; Such as, when the Web bank of China Construction Bank receives the first authorization information of Agricutural Bank of China's account of user's input, time consistent with the second authorization information of the described Agricutural Bank of China account that user pre-sets, judged result is yes, the success of triggering binding relationship, can store described he manage it the binding information of card, described he to manage it the binding information of card be the binding relationship of his Hang Ka Agricutural Bank of China that user is to be bound and described client China Construction Bank.

Do not set up binding unit 702010, for when the result of described first judging unit 70206 is no, then do not set up described he manage it card and the binding relationship based on the described login account of described one's own profession client electronic transaction platform.

See Figure 10, be the structural representation of Service Processing Module provided by the invention, as shown in Figure 10, this Service Processing Module 708 comprises: the first transmitting element 70800, the 3rd receiving element 70802, display unit 70804, wherein

First transmitting element 70800, for analyze when described analysis module 706 described he manage it the type of service of card transaction be the first type of service time, by described relationship trading message repeating to Unionpay's system, him can be made described in described Unionpay notifications to manage it card core system and described one's own profession core system and to carry out data interaction; Described Unionpay system can be registered described relationship trading message and store.Described first type of service is including but not limited to account balance inquiry etc., and relationship trading message manages it the information such as account, bank of deposit, account holder name, type of service, transaction Currency Type type of card including but not limited to him.After described Unionpay system acceptance to described relationship trading message, described relationship trading message repeating can be manageed it card to him, can notify described he manage it the core system of card and carry out relationship trading, and to conclude the business with the core system of one's own profession client.Such as, when analyze process he manage it the type of transaction of card be account balance inquiry time, manage it the relationship trading message repeating of card inquiry into balance to described Unionpay system by comprising him, Unionpay's system is registered and after storing, can by described include described he manage it the relationship trading message of card inquiry into balance and be sent to him and manage it card core system, notice described he manage it card core system to described he manage it card carry out inquiry into balance and and one's own profession client carry out data interaction;

3rd receiving element 70802, for receive described he manage it card core system send described in he manage it card core system inquire described in he manages it the first data of card; Described first data value is including but not limited to account balance value; Such as, the account balance value of the Agricutural Bank of China that Agricutural Bank of China's core system inquires is received;

Display unit 70804, manages it the first data of card for he showing that described 3rd receiving element 70802 receives, complete to described he manage it the business processing of card; Such as, show that the account balance value of the described Agricutural Bank of China is to client, notify that user checks that he manages it card account balance value, complete the business processing of the first type of service.

See Figure 11, it is the structural representation of another embodiment of Service Processing Module provided by the invention, as shown in figure 11, this Service Processing Module 708 comprises: the second transmitting element 70806, the 4th receiving element 70808, second judging unit 70810, first processing unit 70812, the 3rd transmitting element 70814, second processing unit 70816, wherein

Second transmitting element 70806, for analyze when described analysis module 706 described he manage it the type of service of card transaction be the second type of service time, by described relationship trading message repeating to Unionpay's system, him can be made described in described Unionpay notifications to manage it card core system and described one's own profession core system and to carry out data interaction; Described second type of service including but not limited to account transfer business etc., relationship trading message including but not limited to he manage it the account of card, bank of deposit, account holder name, type of service, transaction Currency Type type, accept the information such as the account account of transferring accounts.After described Unionpay system acceptance to described relationship trading message, described relationship trading message repeating can be manageed it card to him, with notify described he manage it the core system of card and carry out relationship trading, and to conclude the business with the core system of one's own profession client.Such as, the account accepting to transfer accounts can be the National Industrial and Commercial Bank of China, when analyze process he manage it the type of transaction of card be account transfer time, by comprise he manage it card transfer accounts and accept account and the National Industrial and Commercial Bank of China transferred accounts the relationship trading message repeating of the information such as account to described Unionpay system, Unionpay's system is registered and after storing, can be included him manage it described the relationship trading message of the information such as account account that card transfer amounts and acceptance transfers accounts and be sent to him and manage it card core system, notice described he manage it card core system to described he manage it card carry out transferred account service and and one's own profession client carry out data interaction,

4th receiving element 70808, for receive described he manage it card core system send described in he manage it card core system inquire described in he manages it the second data of card; Described second data manage it card account balance etc. including but not limited to him, such as, receive the account balance value of the described Agricutural Bank of China that Agricutural Bank of China's core system sends;

Second judging unit 70810, for judging that he manages it the second data of card and whether reaches the data value of described second type of service described in described 4th receiving element 70808 receives; Such as, judge whether the account balance value of the described Agricutural Bank of China is greater than or equal to described transfer amounts;

First processing unit 70812, for when the judged result of described second judging unit 70810 is for being, shifts according to the described relationship trading message pair data consistent with the data value of the second type of service, finishing service process; Such as, one's own profession client can be China Construction Bank, and transfer amounts is transferred accounts to the National Industrial and Commercial Bank of China by the core system of China Construction Bank, completes transferred account service;

3rd transmitting element 70814, after completing described business processing at described first processing unit 70812, the the first result notice obtained after described first processing unit 70812 is carried out business processing is sent to described Unionpay system, and him can be made described in described Unionpay notifications to manage it card core system transfer data consistent with the data value of described second type of service to one's own profession core system.Such as, transfer result can be sent to described Unionpay system by the core system of China Construction Bank, described Unionpay system is according to the described transfer result received, and the notice Agricutural Bank of China, returns to China Construction Bank by the amount of money consistent with described transfer amounts;

Second processing unit 70816, for when the judged result of described second judging unit 70810 is no, does not carry out the business processing of described second type of service.

See Figure 12, it is the structural representation of another embodiment of Service Processing Module provided by the invention, as shown in figure 12, this Service Processing Module 708 comprises: the 4th transmitting element 70816, the 5th receiving element 70818, the 3rd judging unit 70820, buanch unit 70822, the 3rd processing unit 70824, fourth processing unit 70826, wherein

4th transmitting element 70816, for analyze when described analysis module 706 described he manage it the type of service of card transaction be the 3rd type of service time, by described relationship trading message repeating to Unionpay's system, him can be made described in described Unionpay notifications to manage it card core system and described one's own profession core system and to carry out data interaction; Described 3rd type of service is including but not limited to noble metal dealing, finance product dealing etc., and relationship trading message manages it the information such as account, bank of deposit, account holder name, type of service, dealing money, transaction Currency Type type of card including but not limited to him.After described Unionpay system acceptance to described relationship trading message, described relationship trading message repeating can be manageed it card to him, with notify described he manage it the core system of card and carry out relationship trading, and to conclude the business with the core system of one's own profession client.Such as, when transaction business type is noble metal dealing business, the relationship trading message including the information such as noble metal dealing, the bargain transaction amount of money is sent to described Unionpay system, described Unionpay system is registered and after storing, the described relationship trading message including the information such as noble metal dealing, the bargain transaction amount of money can be sent to him and manage it card core system, notice described he manage it card core system to described he manage it card carry out noble metal dealing and and one's own profession client carry out data interaction;

5th receiving element 70818, for receive described he manage it card core system send described in he manage it card core system inquire described in he manages it the 3rd data of card; Described 3rd data manage it card account balance etc. including but not limited to him, such as, receive the account balance value of the described Agricutural Bank of China that Agricutural Bank of China's core system sends;

3rd judging unit 70820, for judging that he manages it the 3rd data of card and whether reaches the data value of described 3rd type of service described in described 5th receiving element 70818 receives; Such as, the account balance value of the Agricutural Bank of China received, judges whether described account balance value is greater than or equal to the dealing money value of the noble metal dealing of described 3rd type of service;

Buanch unit 70822, for when the judged result of described 3rd judging unit 70820 is for being, described in being matched by the data value with described 3rd type of service, he manages it the data value of card and is transferred to default TU Trunk Unit; Such as, one's own profession client can be China Construction Bank, he manages it card is the Agricutural Bank of China, when the account balance of the Agricutural Bank of China is greater than or equal to the dealing money value of noble metal dealing, the account value of the Agricutural Bank of China consistent with described noble metal bargain transaction amount of money value is transferred to the relaying account of China Construction Bank.Described relaying is a transmission channel of point-to-point transmission, these 2 normally switching centres.Described relaying account is the virtual account that China Construction Bank pre-sets;

3rd processing unit 70824, the data value for described 3rd type of service by being transferred to described default TU Trunk Unit in described buanch unit 70822 carries out business processing; Core system carries out noble metal dealing according to the fund in described relaying account, completes the business processing of the 3rd type of service;

Fourth processing unit 70826, for when the judged result of described 3rd judging unit 70820 is no, does not carry out the business processing of described 3rd type of service; Such as, described account balance value is less than the data value of described 3rd business, then do not trigger noble metal dealing business, do not carry out the business processing of described 3rd type of service.

In sum, by implementing the embodiment of the present invention, provide a kind of he manage it the method and system that card electronic banking handles, manage it card information by binding him in one's own profession client, can realize him and manage it the business processing of card, the embodiment of the present invention has following beneficial effect further:

If the fairly perfect safety of the transaction system of 3 certain banks, client then can be facilitated to use the advantage of this family's bank transaction system to carry out business processing fully, solve user and use the Net silver of some pet banks and the poor problem even not having e-banking system of cell phone bank system availability.

One of ordinary skill in the art will appreciate that all or part of flow process realized in above-described embodiment method, that the hardware that can carry out instruction relevant by computer program has come, described program can be stored in a computer read/write memory medium, this program, when performing, can comprise the flow process of the embodiment as above-mentioned each side method.Wherein, described storage medium can be magnetic disc, CD, read-only store-memory body (Read-Only Memory, ROM) or random store-memory body (Random Access Memory, RAM) etc.

Above disclosedly be only a kind of preferred embodiment of the present invention, certainly the interest field of the present invention can not be limited with this, one of ordinary skill in the art will appreciate that all or part of flow process realizing above-described embodiment, and according to the equivalent variations that the claims in the present invention are done, still belong to the scope that invention is contained.

Claims

1. he manages it the method that card electronic banking is handled, and it is characterized in that, comprising:

2. the method for claim 1, is characterized in that, obtains him and manages it before the request of card transaction processing, comprising:

Receive set up described he manage it card and the request based on the binding relationship of the described login account of described one's own profession client electronic transaction platform, described request comprises binding, and he manages it the information of card relation;

According to described bind request export prompting input binding described he manage it the message of card information;

Receive the first authorization information, described first authorization information be according to described prompting input binding described he manage it the message of card information and the information that inputs;

Judge described first authorization information with described he manage it card preset the second authorization information whether consistent;

If so, then store described he manage it card binding information, complete described he manage it card and the binding relationship based on the described login account of described one's own profession client electronic transaction platform;

If not, then do not set up described he manage it card and the binding relationship based on the described login account of described one's own profession client electronic transaction platform.

3. the method for claim 1, is characterized in that, the type of service of the transaction that described basis analyzes, by described one's own profession client to described he manage it card and carry out business processing, comprising:

When analyze described he manage it the type of service of card transaction be the first type of service time, by described relationship trading message repeating to Unionpay's system, manage it card core system and described one's own profession core system to make described in described Unionpay notifications him and carry out data interaction;

Receive described he manage it that card core system sends described he manage it that card core system inquires described he manage it the first data of card;

Show described he manage it the first data of card, complete to described he manage it the business processing of card.

4. the method for claim 1, is characterized in that, the type of service of the transaction that described basis analyzes, by described one's own profession client to described he manage it card and carry out business processing, also comprise:

When analyze described he manage it the type of service of card transaction be the second type of service time, by described relationship trading message repeating to Unionpay's system, manage it card core system and described one's own profession core system to make described in described Unionpay notifications him and carry out data interaction;

Receive described he manage it that card core system sends described he manage it that card core system inquires described he manage it the second data of card;

Judge described he manage it the second data of card and whether reach the data value of described second type of service;

When described judged result is for being, shift according to the described relationship trading message pair data consistent with the data value of the second type of service, finishing service process;

When described judged result is no, do not carry out the business processing of described second type of service.

5. method as claimed in claim 4, is characterized in that, describedly shifts according to the described relationship trading message pair data consistent with the data value of the second type of service, after finishing service process, also comprises:

First result notice of described business processing is sent to described Unionpay system, manages it card core system transfer data consistent with the data value of described second type of service to one's own profession core system to make described in described Unionpay notifications him.

6. the method for claim 1, is characterized in that, the type of service of the transaction that described basis analyzes, by described one's own profession client to described he manage it card and carry out business processing, also comprise:

When analyze described he manage it the type of service of card transaction be the 3rd type of service time, by described relationship trading message repeating to Unionpay's system, manage it card core system and described one's own profession core system to make described in described Unionpay notifications him and carry out data interaction;

Receive described he manage it that card core system sends described he manage it that card core system inquires described he manage it the 3rd data of card;

Judge described he manage it the 3rd data of card and whether reach the data value of described 3rd type of service;

When judged result is for being, described in being matched by the data value with described 3rd type of service, he manages it the data value of card and is transferred to default TU Trunk Unit;

Business processing is carried out according to the data value of described 3rd type of service by described default TU Trunk Unit.

7. method as claimed in claim 6, is characterized in that, described in described judgement, he manages it after whether the 3rd data of card reach the data value of described 3rd type of service, also comprises:

When judged result is no, do not carry out the business processing of described 3rd type of service.

8. he manages it the system that card electronic banking is handled, and it is characterized in that, comprising:

9. system as claimed in claim 8, it is characterized in that, system also comprises binding module, and described binding module comprises:

First receiving element, for in acquisition, he manages it before the request of card transaction processing, receive set up described he manage it card and the request based on the binding relationship of the described login account of described one's own profession client electronic transaction platform, described request comprises binding, and he manages it the information of card relation;

First output unit, for export according to the described bind request of described first receiving element prompting input binding described he manage it the message of card information;

Second receiving element, for receiving the first authorization information, described first authorization information be the prompting input binding that exports according to described first output unit described he manage it the message of card information and the information that inputs;

First judging unit, for judge the first authorization information that described second receiving element receives with described he whether manage it the second authorization information that card presets consistent;

Store binding unit, for when the result of described first judging unit is for being, store described he manage it card binding information, complete described he manage it card and the binding relationship based on the described login account of described one's own profession client electronic transaction platform;

Do not set up binding unit, for when the result of described first judging unit is no, then do not set up described he manage it card and the binding relationship based on the described login account of described one's own profession client electronic transaction platform.

10. system as claimed in claim 8, it is characterized in that, described Service Processing Module comprises:

First transmitting element, for analyze when described analysis module described he manage it the type of service of card transaction be the first type of service time, by described relationship trading message repeating to Unionpay's system, manage it card core system and described one's own profession core system to make described in described Unionpay notifications him and carry out data interaction;

3rd receiving element, for receive described he manage it card core system send described in he manage it card core system inquire described in he manages it the first data of card;

Display unit, manages it the first data of card for he showing that described 3rd receiving element receives, complete to described he manage it the business processing of card.

11. systems as claimed in claim 8, it is characterized in that, described Service Processing Module also comprises:

Second transmitting element, for analyze when described analysis module described he manage it the type of service of card transaction be the second type of service time, by described relationship trading message repeating to Unionpay's system, manage it card core system and described one's own profession core system to make described in described Unionpay notifications him and carry out data interaction;

4th receiving element, for receive described he manage it card core system send described in he manage it card core system inquire described in he manages it the second data of card;

Second judging unit, for judging that he manages it the second data of card and whether reaches the data value of described second type of service described in described 4th receiving element receives;

First processing unit, for when the judged result of described second judging unit is for being, shifts according to the described relationship trading message pair data consistent with the data value of the second type of service, finishing service process;

Second processing unit, for when the judged result of described second judging unit is no, does not carry out the business processing of described second type of service.

12. systems as claimed in claim 11, it is characterized in that, described Service Processing Module also comprises:

3rd transmitting element, after completing described business processing at described first processing unit, the the first result notice obtained after described first processing unit is carried out business processing is sent to described Unionpay system, manages it card core system transfer data consistent with the data value of described second type of service to one's own profession core system to make described in described Unionpay notifications him.

13. systems as claimed in claim 8, it is characterized in that, described Service Processing Module also comprises:

4th transmitting element, for analyze when described analysis module described he manage it the type of service of card transaction be the 3rd type of service time, by described relationship trading message repeating to Unionpay's system, manage it card core system and described one's own profession core system to make described in described Unionpay notifications him and carry out data interaction;

5th receiving element, for receive described he manage it card core system send described in he manage it card core system inquire described in he manages it the 3rd data of card;

3rd judging unit, for judging that he manages it the 3rd data of card and whether reaches the data value of described 3rd type of service described in described 5th receiving element receives;

Buanch unit, for when the judged result of described 3rd judging unit is for being, described in being matched by the data value with described 3rd type of service, he manages it the data value of card and is transferred to default TU Trunk Unit;

3rd processing unit, the data value for described 3rd type of service by being transferred to described default TU Trunk Unit in described buanch unit carries out business processing.

14. systems as claimed in claim 13, it is characterized in that, described Service Processing Module also comprises:

Fourth processing unit, for when the judged result of described 3rd judging unit is no, does not carry out the business processing of described 3rd type of service.