CN107093070A - Card management-control method and device - Google Patents

Card management-control method and device Download PDF

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Publication number
CN107093070A
CN107093070A CN201611048845.3A CN201611048845A CN107093070A CN 107093070 A CN107093070 A CN 107093070A CN 201611048845 A CN201611048845 A CN 201611048845A CN 107093070 A CN107093070 A CN 107093070A
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China
Prior art keywords
card
management
control
current
service end
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CN201611048845.3A
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Chinese (zh)
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CN107093070B (en
Inventor
庞正宇
黄成�
顾琴
沈磊
严仁蛟
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China Merchants Bank Co Ltd
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China Merchants Bank Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351Virtual cards

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephone Function (AREA)

Abstract

The invention discloses a kind of card management-control method, applied to mobile terminal, including:Detect that current selected card whether there is management and control operational order, if in the presence of obtaining the card image of the selected card;According to the management and control operational order and the card image, the management and control request Concurrency for generating the selected card delivers to service end, so that the service end carries out management and control parameter renewal to the selected card;Receive the management and control result that the service end to the selected card returned after management and control parameter renewal.The invention also discloses a kind of card control device.The present invention eliminates the cumbersome flow of short message or phone management and control mode, can carry out one-stop management and control to card by mobile terminal, lift user experience.

Description

Card management-control method and device
Technical field
The present invention relates to technical field of data processing, more particularly to card management-control method and device.
Background technology
Current bank transaction business is generally all carried out by card, such as bank card, credit card etc., for ease of with Family is managed to itself card, and general bank both provides such as Web bank, Mobile banking's management approach, but above-mentioned management Lacking in mode can be completely by the manipulating approach of user self-help management and control card, such as user can freely set card locking with releasing Locking, wherein, card locking is that card is temporarily unusable, and the card that unlocks can be then continuing with.
In addition, in existing mode usually require by answer short message or send a telegraph bank come carry out card management and control operate, than As locked or solving lock clamp piece, so as to cause Consumer's Experience integrally poor, user needs to remember specific message reply coding or online Customer service is waited to answer, namely without providing more easily card management and control scheme in existing mode.
The content of the invention
It is a primary object of the present invention to provide a kind of card management-control method and device, it is intended to solve not having in existing mode There is provided more easily card management and control scheme so that user carries out the technical problem of self-service management and control.
To achieve the above object, the present invention provides a kind of card management-control method, applied to mobile terminal, the card management and control Method includes:
Detect that current selected card whether there is management and control operational order, if in the presence of obtaining the card of the selected card Information;
According to the management and control operational order and the card image, the management and control request Concurrency for generating the selected card is delivered to Service end, so that the service end carries out management and control parameter renewal to the selected card;
Receive the management and control result that the service end to the selected card returned after management and control parameter renewal.
Preferably, the management and control operation at least includes:Appointing in card locking, card unblock, card management and control strategy setting One kind operation;
Wherein, the card management and control strategy setting at least includes card payment scene setting and/or in different payment scenes Under card locking time set.
Preferably, the card locking or card unblock use slider switch formal operations.
Preferably, the card management-control method also includes:
Detect that current card is instructed with the presence or absence of transactional operation, if in the presence of the management and control strategy of acquisition current card;
According to the management and control strategy of current card, whether judgement currently allows to be traded;
If currently not allowing to be traded, push corresponding prompting message and show, wherein, in the prompting message at least Including the quick botton that can be temporarily unlocked to current card.
Preferably, the detection current selected card also includes before being operated with the presence or absence of management and control:
List display active user all cards under one's name, wherein, list content at least includes card figure and card number.
Further, to achieve the above object, the present invention also provides a kind of card control device, applied to mobile terminal, The card control device includes:
Detection module, for detecting that current selected card whether there is management and control operational order, if in the presence of obtaining the choosing Determine the card image of card;
Request module, for according to the management and control operational order and the card image, generating the pipe of the selected card Control request Concurrency delivers to service end, so that the service end carries out management and control parameter renewal to the selected card;
Display module, for receiving the pipe that the service end to the selected card returned after management and control parameter renewal Control result.
Preferably, the management and control operation at least includes:Appointing in card locking, card unblock, card management and control strategy setting One kind operation;
Wherein, the card management and control strategy setting at least includes card payment scene setting and/or in different payment scenes Under card locking time set.
Preferably, the card locking or card unblock use slider switch formal operations.
Preferably, the detection module is additionally operable to:Detect that current card is instructed with the presence or absence of transactional operation, if in the presence of, Obtain the management and control strategy of current card;
The card control device also includes:
Judge module, for the management and control strategy according to current card, whether judgement currently allows to be traded;
Pushing module, if for currently not allowing to be traded, pushing corresponding prompting message and showing, wherein, it is described At least include the quick botton that can be temporarily unlocked to current card in prompting message.
Preferably, the display module is additionally operable to:List display active user all cards under one's name, wherein, list content At least include card figure and card number.
In the present invention, user need to only carry out touch control operation on mobile terminals, and then trigger the management and control operation of selected card Instruction, and management and control request is initiated to service end, to ask corresponding management and control parameter to be updated simultaneously the management and control by service end Management and control result after feedback parameter renewal, namely the present invention realize mobile terminal and docked with service end progress business handling, enter And self-service on mobile terminals card management and control can be carried out, and management and control result is shown, and then eliminate short message or phone management and control mode Cumbersome flow, one-stop management and control can be carried out to card by mobile terminal, user experience is lifted.
Brief description of the drawings
Fig. 1 is the schematic flow sheet of card management-control method first embodiment of the present invention;
Fig. 2 is the interface schematic diagram that card management-control method of the present invention is applied to mobile terminal first embodiment;
Fig. 3 is the interface schematic diagram that card management-control method of the present invention is applied to mobile terminal second embodiment;
Fig. 4 is the interface schematic diagram that card management-control method of the present invention is applied to mobile terminal 3rd embodiment;
Fig. 5 is the interface schematic diagram that card management-control method of the present invention is applied to mobile terminal fourth embodiment;
Fig. 6 is the schematic flow sheet of card management-control method second embodiment of the present invention;
Fig. 7 is the high-level schematic functional block diagram of card control device first embodiment of the present invention;
Fig. 8 is that card control device of the present invention initiates the connection diagram that an embodiment is asked in management and control;
Fig. 9 is card control device second embodiment high-level schematic functional block diagram of the present invention.
The realization, functional characteristics and advantage of the object of the invention will be described further referring to the drawings in conjunction with the embodiments.
Embodiment
It should be appreciated that specific embodiment described herein is not intended to limit the present invention only to explain the present invention.
Reference picture 1, Fig. 1 is the schematic flow sheet of card management-control method first embodiment of the present invention.In the present embodiment, card Management-control method is applied particularly to mobile terminal, including:
Step S110, detection current selected card whether there is management and control operational order, if in the presence of the selected card of acquisition Card image;
The corresponding card management and control type of management and control operation is not limited in the present embodiment, such as the transaction limit of card is set Volume, trading password etc..
Optionally, management and control operation at least includes:Any of card locking, card unblock, card management and control strategy setting Operation.Wherein, card locking is that card is temporarily unusable, and then card can be continuing with the card that unlocks.Card management and control Strategy setting at least includes card and pays scene setting and/or the card locking time setting under different payment scenes.
For example, card pay scene can be divided within the border, overseas, swipe the card, without card etc. payment scene, user can according to itself reality Border needs and sets corresponding card management and control strategy, such as setting management and control strategy is:Allow domestic pay and forbid overseas paying; Or domestic allow to swipe the card payment and forbid overseas paying.
Card locking time refers to the period that card is in the lock state, for example, setting 22:00~8:00 is domestic brush Card pays the card locking time section of scene, then can not be swiped the card within the border within the period, and (8 outside the period:01 ~21:59), then it can be swiped the card within the border.
In addition, not limited for the mode of detection management and control operation in the present embodiment, such as using numeral numbering correspondence management and control behaviour Make menu, such as detect input numeral 1, it is determined that be traded limit setting etc..For ease of user prompt operation, preferably exist Management and control operation is carried out using pattern manipulation interface mode on mobile terminal.User need to only click on corresponding graphical control and can perform Corresponding management and control operation, so as to simplify user's mode of operation.
In the present embodiment, when detecting current selected card and there is management and control operation, then the card letter of selected card is obtained Breath, such as card essential information (such as card number), type of card.
Step S120, according to management and control operational order and card image, the management and control request Concurrency of the selected card of generation delivers to clothes Business end, so that service end carries out management and control parameter renewal to selected card;
In the present embodiment, the card image for operating and getting according to the management and control detected, the pipe of the selected card of generation Control request, and request is initiated to service end, and then the management and control parameter being stored in by service end to the selected card in service end is entered Row updates.It should be noted that both can be by the renewal of service end itself complete independently management and control parameter in service side Reason, while can also be updated by service end is transmitted to other service systems to complete the management and control parameter of the selected card.
For example, management and control operation is card lock operation, then the card locking request of selected card is generated, and sent out to service end Pintle hook lock request is played, and then in service side, the renewal of the locking parameter of selected card is completed by service end, such as by card Lock parameters are updated on by off.
Step S130, receives the management and control result that service end is returned to selecting card to carry out after management and control parameter renewal.
In the present embodiment, content and form for management and control result are not limited, such as include in management and control result and be updated Management and control parameter after processing, or can also include carrying out the result prompting after management and control parameter renewal processing, such as pintle hook lock Success etc., and the management and control result can be further shown on mobile terminals.
In the present embodiment, user can carry out business handling with bank service end by mobile terminal and dock, and then can be Self-service progress card management and control on mobile terminal, and show management and control result, and then eliminate the cumbersome of short message or phone management and control mode Flow, can carry out one-stop management and control to card by mobile terminal, lift user experience.
Optionally, in the embodiment of card management-control method one of the present invention, selected card with before carrying out management and control operation also Including:
List display active user all cards under one's name, wherein, list content at least includes card figure and card number.
Card is carried out in prompt operation, this alternative embodiment using list mode display current user name for ease of user Under all cards (such as different types of credit card or bank card etc.), meanwhile, be further be easy to user distinguish different cards Piece, therefore, list content are shown in the form of card figure+card number, as shown in Figure 2.
In the present embodiment, user's card image complicated without input will can own by list mode under user name Card list shows, wherein, equivalent to one graphical control of each card list, user clicks on card list can be real Now the card is selected, and then management and control operation further can be carried out to selected card.
In addition, for further card management-control method of the present invention is illustrated, lower mask body is with mobile terminal side Pintle hook lock management and control operation is carried out to be illustrated.
As shown in Fig. 2 carrying out prompt operation to card for ease of user, therefore arranged in the form of card figure+card number Table displaying active user all cards, and then be easy to user quickly to select the card to be locked under one's name.Such as, user only needs to click on The card of display can enter pintle hook lock (or unblock) and set.
As shown in figure 3, after user selectes a wherein card, you can the card is locked or unlocked management and control behaviour Make.Optionally, operated for ease of user's simplicity, it is preferred to use slider switch form carries out card locking or card unblock operation. Such as, user only needs manually sliding slider (it is lock operation such as to slide to the right) to the right, then initiates locking management and control to service end Request, and then locking parameter lock is updated on by off by service end.
As shown in figure 4, after locking management and control request is initiated to service end, receiving the lock operation result that service end is returned And show.Such as display alarm message " pintle hook lock success ", while accordingly being shown on sliding block graphical interfaces.That is, user Only need a slide, you can complete to operate the locking of card or unblock, so that significantly easy user's operating process, together When be also provided to user it is one-stop management experience.
Further, as shown in figure 5, selected card can also further carry out other settings in pintle hook lock state, such as set Card management and control strategy.Such as by card keyholed back plate divide it is domestic, overseas, swipe the card, without the different payment scene such as card, so that user can The card keyholed back plate of formula can be also combined by scene is paid for more than carrying out single card keyholed back plate, so according to their needs and Flexibly setting card Preservation tactics, reduce card and are stolen risk.In addition, different payment scenes can also each be equipped with and come into force and fail On the date, so as to provide the operating experience of " alarm clock type ", facilitate user that card locking time is set according to their needs, such as user sleeps Automatic card is locked during dormancy, and automatic unlocking is locked during user job, can not also set special time, is solved by hand with user intention Lock.
Reference picture 6, Fig. 6 is the schematic flow sheet of card management-control method second embodiment of the present invention.In the present embodiment, card Management-control method also includes:
Step S210, detection current card is instructed with the presence or absence of transactional operation, if in the presence of the management and control of acquisition current card Strategy;
Step S220, according to the management and control strategy of current card, whether judgement currently allows to be traded;
Step S230, if currently not allowing to be traded, pushes corresponding prompting message and shows, wherein, prompting message In at least include the quick botton that can temporarily be unlocked to current card.
In the present embodiment, the mode for detection card with the presence or absence of transactional operation is not limited, such as detects payment instruction When then determine currently to be traded operation.Meanwhile, the management and control strategy of current card is obtained, wherein, management and control strategy can be service end Default setting or manually set by user oneself, such as limit time range, payment scene of transaction of transaction etc.. It should be further stated that, step S210~S230 can be performed before step S110~S130 in the present embodiment, Can also perform behind, depending on actual conditions.
According to the management and control strategy of the card of acquisition, whether judgement currently allows to be traded, if allowing, is directly handed over Easily, and if do not allow, push corresponding prompting message, and show on mobile terminals.Such as push " current card lock It is fixed, if continuing to pay, interim unblock button please be click on ".Assuming that a length of 5 minutes during interim unblock, then user clicks on the interim solution Lock after button can automatic unlocking 5 minutes, and it is automatic later at 5 minutes recover pintle hook lock state, and then user is without in Fail Transaction Unblock and need to carry out manual locking again after transaction is finished by hand afterwards, also can one-key operation be interim by " interim unblock " Unlock and locking can be recovered automatically.
Reference picture 7, Fig. 7 is the high-level schematic functional block diagram of card control device first embodiment of the present invention.In the present embodiment, Card control device is installed on mobile terminals, including:
Detection module 10, for detecting that current selected card whether there is management and control operational order, if in the presence of acquisition is selected The card image of card;
The corresponding card management and control type of management and control operation is not limited in the present embodiment, such as the transaction limit of card is set Volume, trading password etc..
Optionally, management and control operation at least includes:Any of card locking, card unblock, card management and control strategy setting Operation.Wherein, card locking is that card is temporarily unusable, and then card can be continuing with the card that unlocks.Card management and control Strategy setting at least includes card and pays scene setting and/or the card locking time setting under different payment scenes.
For example, card pay scene can be divided within the border, overseas, swipe the card, without card etc. payment scene, user can according to itself reality Border needs and sets corresponding card management and control strategy, such as setting management and control strategy is:Allow domestic pay and forbid overseas paying; Or domestic allow to swipe the card payment and forbid overseas paying.
Card locking time refers to the period that card is in the lock state, for example, setting 22:00~8:00 is domestic brush Card pays the card locking time section of scene, then can not be swiped the card within the border within the period, and (8 outside the period:01 ~21:59), then it can be swiped the card within the border.
In addition, not limited for the mode of detection management and control operation in the present embodiment, such as using numeral numbering correspondence management and control behaviour Make menu, such as detect input numeral 1, it is determined that be traded limit setting etc..For ease of user prompt operation, preferably exist Management and control operation is carried out using pattern manipulation interface mode on mobile terminal.User need to only click on corresponding graphical control and can perform Corresponding management and control operation, so as to simplify user's mode of operation.
In the present embodiment, when detecting current selected card and there is management and control operation, then the card letter of selected card is obtained Breath, such as card essential information (such as card number), type of card.
Request module 20, for according to management and control operational order and card image, the management and control request Concurrency of card to be selected in generation Service end is delivered to, so that service end carries out management and control parameter renewal to selected card;
In the present embodiment, the card image for operating and getting according to the management and control detected, the pipe of the selected card of generation Control request, and request is initiated to service end, and then the management and control parameter being stored in by service end to the selected card in service end is entered Row updates.
It should be noted that both can be by the renewal of service end itself complete independently management and control parameter in service side Reason, while can also be updated by service end is transmitted to other service systems to complete the management and control parameter of the selected card.Such as Fig. 8 Shown, card control device initiates management and control to service end is asked, and service end is docked by interface with back-end system, and then by rear End system completes the renewal of the corresponding management and control parameter of management and control request, so as to ensure the data access security of back-end system.
For example, management and control operation is card lock operation, then the card locking request of selected card is generated, and sent out to service end Pintle hook lock request is played, and then in service side, the renewal of the locking parameter of selected card is completed by service end, such as by card Lock parameters are updated on by off.
Display module 30, for receiving the management and control knot that service end is returned to selecting card to carry out after management and control parameter renewal Really.
In the present embodiment, content and form for management and control result are not limited, such as include in management and control result and be updated Management and control parameter after processing, or can also include carrying out the result prompting after management and control parameter renewal processing, such as pintle hook lock Success etc., and the management and control result is shown on mobile terminals.
Optionally, display module 30 is additionally operable to:List display active user all cards under one's name, wherein, list content is extremely Include card figure and card number less.Card is carried out for ease of user to use list mode in prompt operation, this alternative embodiment All cards (such as different types of credit card or bank card etc.) of active user under one's name are shown, meanwhile, it is further to be easy to User distinguishes different cards piece, and therefore, list content is shown in the form of card figure+card number, as shown in Figure 2.
In the present embodiment, user can carry out business handling with bank service end by mobile terminal and dock, and then can be Self-service progress card management and control on mobile terminal, and show management and control result, and then eliminate the cumbersome of short message or phone management and control mode Flow, can carry out one-stop management and control to card by mobile terminal, lift user experience.
Reference picture 9, Fig. 9 is card control device second embodiment high-level schematic functional block diagram of the present invention.In the present embodiment, card Piece control device also includes:Judge module 40, pushing module 50.
Detection module 10 is additionally operable to:Detect that current card is instructed with the presence or absence of transactional operation, if in the presence of the current card of acquisition The management and control strategy of piece;
Judge module 40, for the management and control strategy according to current card, whether judgement currently allows to be traded;
Pushing module 50, if for currently not allowing to be traded, pushing corresponding prompting message and showing, wherein, carry At least include the quick botton that can be temporarily unlocked to current card in information of waking up.
In the present embodiment, the mode for detection card with the presence or absence of transactional operation is not limited, such as detects payment instruction When then determine currently to be traded operation.Meanwhile, the management and control strategy of current card is obtained, wherein, management and control strategy can be service end Default setting or manually set by user oneself, such as limit time range, payment scene of transaction of transaction etc..
According to the management and control strategy of the card of acquisition, whether judgement currently allows to be traded, if allowing, is directly handed over Easily, and if do not allow, push corresponding prompting message, and show on mobile terminals.Such as push " current card lock It is fixed, if continuing to pay, interim unblock button please be click on ".Assuming that a length of 5 minutes during interim unblock, then user clicks on the interim solution Lock after button can automatic unlocking 5 minutes, and it is automatic later at 5 minutes recover pintle hook lock state, and then user is without in Fail Transaction Unblock and need to carry out manual locking again after transaction is finished by hand afterwards, also can one-key operation be interim by " interim unblock " Unlock and locking can be recovered automatically.
The preferred embodiments of the present invention are these are only, are not intended to limit the scope of the invention, it is every to utilize this hair Equivalent structure or equivalent flow conversion that bright specification and accompanying drawing content are made, or directly or indirectly it is used in other related skills Art field, is included within the scope of the present invention.

Claims (10)

1. a kind of card management-control method, applied to mobile terminal, it is characterised in that the card management-control method includes:
Detect that current selected card whether there is management and control operational order, if in the presence of obtaining the card image of the selected card;
According to the management and control operational order and the card image, the management and control request Concurrency for generating the selected card delivers to service End, so that the service end carries out management and control parameter renewal to the selected card;
Receive the management and control result that the service end to the selected card returned after management and control parameter renewal.
2. card management-control method as claimed in claim 1, it is characterised in that the management and control operation at least includes:Card locking, Any of card unblock, card management and control strategy setting operation;
Wherein, the card management and control strategy setting at least includes card payment scene setting and/or under different payment scenes Card locking time is set.
3. card management-control method as claimed in claim 2, it is characterised in that the card locking or card unblock use sliding block Switch form is operated.
4. the card management-control method as any one of claim 1-3, it is characterised in that the card management-control method is also wrapped Include:
Detect that current card is instructed with the presence or absence of transactional operation, if in the presence of the management and control strategy of acquisition current card;
According to the management and control strategy of current card, whether judgement currently allows to be traded;
If currently not allowing to be traded, push corresponding prompting message and show, wherein, at least include in the prompting message The quick botton that current card can be temporarily unlocked.
5. card management-control method as claimed in claim 1, it is characterised in that the detection current selected card is with the presence or absence of pipe Also include before control operation:
List display active user all cards under one's name, wherein, list content at least includes card figure and card number.
6. a kind of card control device, applied to mobile terminal, it is characterised in that the card control device includes:
Detection module, for detecting that current selected card whether there is management and control operational order, if in the presence of obtaining the selected card The card image of piece;
Request module, for according to the management and control operational order and the card image, the management and control for generating the selected card please Ask and send to service end, so that the service end carries out management and control parameter renewal to the selected card;
Display module, for receiving the management and control knot that the service end to the selected card returned after management and control parameter renewal Really.
7. card control device as claimed in claim 6, it is characterised in that the management and control operation at least includes:Card locking, Any of card unblock, card management and control strategy setting operation;
Wherein, the card management and control strategy setting at least includes card payment scene setting and/or under different payment scenes Card locking time is set.
8. card control device as claimed in claim 7, it is characterised in that the card locking or card unblock use sliding block Switch form is operated.
9. the card control device as any one of claim 6-8, it is characterised in that the detection module is additionally operable to: Detect that current card is instructed with the presence or absence of transactional operation, if in the presence of the management and control strategy of acquisition current card;
The card control device also includes:
Judge module, for the management and control strategy according to current card, whether judgement currently allows to be traded;
Pushing module, if for currently not allowing to be traded, pushing corresponding prompting message and showing, wherein, it is described to remind At least include the quick botton that can be temporarily unlocked to current card in information.
10. card control device as claimed in claim 6, it is characterised in that the display module is additionally operable to:List display is worked as All cards under preceding user name, wherein, list content at least includes card figure and card number.
CN201611048845.3A 2016-11-23 2016-11-23 Card management and control method and device Active CN107093070B (en)

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