CN102855558A - Method for associating bank card with mobile phone number - Google Patents

Abstract

The invention relates to a method for associating a bank card with a mobile phone number. The method comprises the following steps of: building a database, associating the bank card with a mobile phone and the like. A legal number is found through technical measures such as searching, matching and screening according to partial card information input by a user. The shortcoming that the bank card cannot be associated with the mobile phone number or other sets of equipment until the complete bank card number is input in the prior art is overcome; and the problem of low user experience and the problem that the user worries about that the card number is illegally captured and used are solved.

Description

A kind of method that realizes that bank card is related with cell-phone number

Technical field

The invention belongs to e-commerce field, be specifically related to a kind of method that realizes that bank card is related with cell-phone number.

Background technology

At present the user carries out cell-phone number and bank card to need the complete bank's card number of input when related, and when paying in the situation of association, also needs behind the input card four to confirm.So not only make the user because card number length may input by mistake and so that the running time is long, the more important thing is the complete card number of input, may cause card number to be usurped by illegal interceptor, the degree of belief of system is lower.

Summary of the invention

Need to input complete card number in order to solve the existing bank card method related with cell-phone number, complex operation and the lower technical matters of system's confidence level, the invention provides a kind of method that realizes that bank card is related with cell-phone number, only need behind the input bank card eight can carry out the related method with paying with cell-phone number, solved traditional needs and inputted complete bank card number and could carry out related deficiency with cell-phone number or other equipment, overcome the relatively poor and user of user experience and worry that card number can be by the illegal problem of usurping of intercepting and capturing.

Technical solution of the present invention:

A kind of method that realizes that bank card is related with cell-phone number, its special character is: may further comprise the steps:

1] building database: database comprise the cell-phone number cell-phone number information table related with the cell-phone number ownership place, bank card and with the bank card information table of bank's font size and bank card type association and card and the table of bank's font size and bank card type association; Bank card ground area code in the described bank card information is related with the cell-phone number ownership place;

2] bank card and mobile phone association:

2.1] user's bank's font size and bank card type of from transaction platform, selecting bank card to belong to by the mobile phone client terminal, and the rear 8-10 figure place of input bank card number; Transaction platform obtains 8-10 figure place behind corresponding cell-phone number, the bank card, bank's font size and bank card type from the information of cell-phone customer terminal input;

2.2] transaction platform searches for according to the bank's font size and the bank card information table of bank card type in database that obtain, what obtain that all are complementary may block and information;

2.3] obtain mating bank card ground area code according to searching in the cell-phone number information table of corresponding cell-phone number from database;

2.4] may block the possible card number that the 8-10 figure place forms and may block and information content equates behind the bank card of also information, bank card ground area code and user's input;

2.5] according to the verification of bank card number rule (Luhn algorithm), to step 2.4] the possible card number that obtains carries out verification:

If check results conforms to last bit check position in may card number, then is legal card number;

If check results does not conform to last bit check position in may card number, then directly eliminate this possibility card number;

2.6] with step 2.5] the legal card number of selecting, the payment cipher of corresponding bank card or password for inquiry send to banking system and carry out payment transaction, if this legal card number is upchecked, then cell-phone number is related with this legal card number; If the test fails for this legal card number, then carry out the check of next legal card number, until upcheck;

2.7] the legal card number that will upcheck is related with cell-phone number.

The advantage that the present invention has:

The present invention is according to the part card image of user's input, find legal card number by technological means such as search, coupling, screenings, shorten user's running time, improved the enthusiasm that the user experiences, reduced simultaneously user's information by the illegal risk of usurping of intercepting and capturing.

Description of drawings

Fig. 1 is that the present invention realizes the method that bank card is related with cell-phone number.

Embodiment

A kind of method that realizes that bank card is related with cell-phone number may further comprise the steps:

1] building database: database comprise cell-phone number information table that cell-phone number is related with the cell-phone number ownership place and bank card also, the related bank card information table of 8-10 figure place and card and the table of bank's font size and bank card type association behind the bank card, the bank card ground area code in the described bank card information is related with the cell-phone number ownership place;

2] bank card and mobile phone association:

2.1] user's bank's font size and bank card type of from transaction platform, selecting bank card to belong to by the mobile phone client terminal, and the rear 8-10 figure place of input bank card number; Transaction platform obtains 8-10 figure place behind corresponding cell-phone number, the bank card, bank's font size and bank card type from the information of cell-phone customer terminal input;

2.2] transaction platform is according to obtaining bank's font size and the bank card information table of bank card type in database searched for, what obtain that all are complementary may block and information;

2.3] obtain mating bank card ground area code according to searching in the cell-phone number information table of corresponding cell-phone number from database;

2.4] may block the possible card number that the 8-10 figure place forms and may block and information content equates behind the bank card of also information, bank card ground area code and user's input;

2.5] according to the verification of bank card number rule (Luhn algorithm), to step 2.4] the possible card number that obtains carries out verification:

If check results conforms to last bit check position in may card number, then is legal card number;

If check results does not conform to last bit check position in may card number, then directly eliminate this possibility card number;

2.6] with step 2.5] the legal card number of selecting, the payment cipher of corresponding bank card or password for inquiry send to banking system and carry out payment transaction, if this legal card number is upchecked, then cell-phone number is related with this legal card number; If the test fails for this legal card number, then carry out the check of next legal card number, until upcheck;

2.7] the legal card number that will upcheck is related with cell-phone number.

Domestic main flow bank (in, farming, worker, build, recruit, friendship etc.) substantially all be based on 16 or 19 s' card number, the structure of bank's card number is: bank card is 8-10 figure place behind (front 6 figure places of bank card)+ground area code+card number also.

The present invention carries out than the principle of Gao Ka and first detection according to probability.8-10 figure place-ownership place behind cell-phone number and the card number-a plurality of complete card numbers, some positions begin check before the most possible coupling bank card.

Bank card verification rule (Luhn algorithm)

Check digit algorithm (Luhn Check Digit Algorithm) also is called modulus 10 formula, is a kind of simple algorithm, is used for the algorithm of the validity of checking bank card, credit card number.Credit card to all large-scale credit card company distribution all works, and these companies comprise U.S. Express, passport, Master Card, Discover and diner club etc.This algorithm is to be formulated by one group of mathematician in the sixties in 20th century at first, and Luhn check digit algorithm belongs to popular now, and anyone can use it.

Embodiment 1:

1, the user is by dialing or send note or input handset number, and transaction platform obtains cell-phone number;

2, prompting user is selected to prepare to set up the affiliated bank's font size of related bank card with cell-phone number;

3, according to selected bank font size, from card and table, find out possible bank card type:

Whether user-selected bank has multiple bank card type, if having, then prompting user selects to intend the correspondent bank Card Type; If no, 8-10 figure place behind the prompting user input card number then;

4, according to user selection bank font size and bank card type, from the bank card information table, find out institute might card number before 6 figure places;

5, find out bank card ground area code according to the cell-phone number ownership place;

6, with might card number behind the card number of front 6, bank card ground area code and input the 8-10 figure place form a plurality of possible card numbers;

7, with bank card verification rule (Luhn algorithm), institute might be carried out verification by card number,

If check results conforms to last bit check position in may card number, then is legal card number;

If check results does not conform to last bit check position in may card number, then directly eliminate this possibility card number;

8, the payment cipher of legal card number, corresponding bank card or password for inquiry are sent to banking system and carry out payment transaction, if this legal card number is upchecked, then cell-phone number is related with this legal card number; If the test fails for this legal card number, then carry out the check of next legal card number, until upcheck.For banking system, identification card number and bank's card number are one to one, so cell-phone number and I.D. binding, and banking system not just by password authentification, also has the checking by identification card number when check, could set up association.

Embodiment 2:

1, the user selects first bank before inputting bank's card number, if by visual means input, can select the type of bank card, such as industrial and commercial bank's credit card etc.;

2,8-10 position behind the prompting user input bank card;

3, extrapolate complete bank's card number according to following mode;

3.1) according to bank and the type selected, obtain all possible effective card also (being front 6 bit digital of qualified bank card number).Block also according to all consistent with the ownership place (i.e. area code) of cell-phone number of this bank card number again, carry out the some possible card numbers of combination producing with the rear 8-10 position of user's input;

3.2) according to the verification of bank card number rule, the card number of above-mentioned all combinations is carried out calibration technology, eliminate all not by the regular alternative card number of verification;

3.3) will send to banking system and carry out payment transaction by the card number of check, if the card number of all checks does not all pass through, carry out next card number check, until upcheck.

4, the card number that will upcheck is related with cell-phone number.

Claims (1)

1. method that realizes that bank card is related with cell-phone number is characterized in that: may further comprise the steps:

1] building database: database comprise the cell-phone number cell-phone number information table related with the cell-phone number ownership place, bank card and with the bank card information table of bank's font size and bank card type association and card and the table of bank's font size and bank card type association; Bank card ground area code in the described bank card information table is related with the cell-phone number ownership place;

2] bank card and mobile phone association:

2.1] user's bank's font size and bank card type of from transaction platform, selecting bank card to belong to by the mobile phone client terminal, and the rear 8-10 figure place of input bank card number; Transaction platform obtains 8-10 figure place behind corresponding cell-phone number, the bank card, bank's font size and bank card type from the information of cell-phone customer terminal input;

2.2] transaction platform searches for according to the bank's font size and the bank card information table of bank card type in database that obtain, what obtain that all are complementary may block and information;

2.3] obtain mating bank card ground area code according to searching in the cell-phone number information table of corresponding cell-phone number from database;

2.4] may block the possible card number that the 8-10 figure place forms and may block and information content equates behind the bank card of also information, bank card ground area code and user's input;

2.5] according to the verification of bank card number rule, to step 2.4] the possible card number that obtains carries out verification:

If check results conforms to last bit check position in may card number, then is legal card number;

If check results does not conform to last bit check position in may card number, then directly eliminate this possibility card number;

2.6] with step 2.5] the legal card number of selecting, the payment cipher of corresponding bank card or password for inquiry send to banking system and carry out payment transaction, if this legal card number is upchecked, then cell-phone number is related with this legal card number; If the test fails for this legal card number, then carry out the check of next legal card number, until upcheck;

2.7] the legal card number that will upcheck is related with cell-phone number.