CN113112266A - Multi-card processing method and system based on 5G message and block chain - Google Patents
Multi-card processing method and system based on 5G message and block chain Download PDFInfo
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- CN113112266A CN113112266A CN202110532548.0A CN202110532548A CN113112266A CN 113112266 A CN113112266 A CN 113112266A CN 202110532548 A CN202110532548 A CN 202110532548A CN 113112266 A CN113112266 A CN 113112266A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3572—Multiple accounts on card
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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Abstract
The invention discloses a multi-card processing method and a system based on 5G messages and a block chain, relating to the technical field of mobile interconnection, wherein the method comprises the following steps: the client receives a card binding request input by a user in a 5G message, and sends the mobile phone number of the user to a 5G message server; the 5G message server inquires the mapping relation between the mobile phone number of the user and the bank card number list stored in the block chain network in advance to obtain the bank card number list of the user; the client receives all the information of the bank cards to be bound selected from the list by the user in the 5G message, acquires the biological characteristic information of the user and sends the biological characteristic information to the 5G message server; and the server compares the sent biological characteristic information with the biological characteristic information of the user pre-stored in the blockchain network, and if the biological characteristic information is consistent with the biological characteristic information of the user pre-stored in the blockchain network, the server calls a binding interface of the bank end corresponding to each piece of information of the bank card to be bound to complete multi-card binding processing. The invention can realize high-efficiency and safe multi-card processing.
Description
Technical Field
The invention relates to the technical field of mobile interconnection, in particular to a multi-card processing method and a multi-card processing system based on 5G messages and a block chain.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, each client has bank cards of a plurality of banks, and the management is very troublesome, although some bank APP or three-party software support the bank cards of different banks of the client at present, the client needs to download the APP, and the process of binding the card needs to input a series of authentications such as card number, verification short message verification code, input identification, input password, and the operation is more cumbersome, and the client information is unsafe in the operation process.
Disclosure of Invention
The embodiment of the invention provides a multi-card processing method based on 5G messages and a block chain, which is used for realizing high-efficiency and safe multi-card processing and comprises the following steps:
the client receives a card binding request input by a user in a 5G message, and sends the mobile phone number of the user to a 5G message server;
the 5G message server inquires the mapping relation between the mobile phone number of the user and a bank card number list stored in the block chain network in advance to obtain the bank card number list of the user; sending the bank card number list to a client;
the client receives all the information of the bank cards to be bound selected from the bank card number list by the user in the 5G message, and acquires the biological characteristic information of the user; sending all the information of the bank card to be bound and the biological characteristic information to a 5G message server;
and the 5G message server compares the sent biological characteristic information with the biological characteristic information of the user pre-stored in the blockchain network, and if the biological characteristic information is consistent with the biological characteristic information of the user pre-stored in the blockchain network, a binding interface of a bank end corresponding to each piece of bank card information to be bound is called to complete multi-card binding processing.
An embodiment of the present invention further provides a multi-card processing system based on a 5G message and a block chain, so as to implement efficient and secure multi-card processing, where the system includes:
the client is used for receiving a card binding request input by a user in the 5G message and sending the mobile phone number of the user to the 5G message server; receiving all the information of the bank card to be bound selected by the user from the bank card number list in the 5G message, and acquiring the biological characteristic information of the user; sending all the information of the bank card to be bound and the biological characteristic information to a 5G message server;
the 5G message server is used for inquiring the mapping relation between the mobile phone number of the user and a bank card number list which is stored in the block chain network in advance to obtain the bank card number list of the user; sending the bank card number list to a client; and comparing the sent biological characteristic information with the biological characteristic information of the user pre-stored in the blockchain network, and calling a binding interface of the bank end corresponding to each piece of information of the bank card to be bound to finish multi-card binding processing if the biological characteristic information is consistent with the biological characteristic information of the user pre-stored in the blockchain network.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein when the processor executes the computer program, the multi-card processing method based on the 5G message and the block chain is realized.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above multi-card processing method based on 5G messages and block chains is stored in the computer-readable storage medium.
In the embodiment of the invention, the multi-card processing scheme based on the 5G message and the block chain comprises the following steps: the client receives a card binding request input by a user in a 5G message, and sends the mobile phone number of the user to a 5G message server; the 5G message server inquires the mapping relation between the mobile phone number of the user and a bank card number list stored in the block chain network in advance to obtain the bank card number list of the user; sending the bank card number list to a client; the client receives all the information of the bank cards to be bound selected from the bank card number list by the user in the 5G message, and acquires the biological characteristic information of the user; sending all the information of the bank card to be bound and the biological characteristic information to a 5G message server; the 5G message server compares the sent biological characteristic information with the biological characteristic information of the user pre-stored in the blockchain network, if the biological characteristic information is consistent with the biological characteristic information of the user pre-stored in the blockchain network, the binding interface of the bank end corresponding to the information of each bank card to be bound is called to complete multi-card binding processing, and the multi-card processing can be efficiently and safely carried out.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a schematic flowchart of a multi-card processing method based on a 5G message and a block chain in an embodiment of the present invention;
fig. 2 is a schematic flowchart of a multi-card processing method based on 5G messages and block chains according to another embodiment of the present invention;
FIG. 3 is a flowchart illustrating a multi-card processing method based on 5G messages and blockchains according to another embodiment of the present invention;
FIG. 4 is a flowchart illustrating a multi-card processing method based on 5G messages and block chains according to another embodiment of the present invention;
fig. 5 is a schematic structural diagram of a multi-card processing system based on 5G messages and block chains in the embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The embodiment of the invention provides a multi-card processing scheme based on 5G messages and a block chain, the scheme is that bank cards of customers in multiple banks are managed in the 5G messages, the binding process only needs face recognition to complete verification, APP does not need to be downloaded, and when the customers (users) transfer accounts, only the empty gesture sliding operation needs to be carried out on the cards in a card list, the transfer account amount is recognized through voice, then the face recognition is carried out, and the customer experience is improved. And a block chain is added into the record of the whole process to prevent the client from being repudiated. The multi-card processing scheme based on 5G messages and blockchains is described in detail below.
Fig. 1 is a schematic flow chart of a multi-card processing method based on a 5G message and a block chain in an embodiment of the present invention, as shown in fig. 1, the method includes the following steps:
step 101: the client receives a card binding request input by a user in a 5G message, and sends the mobile phone number of the user to a 5G message server;
step 102: the 5G message server inquires the mapping relation between the mobile phone number of the user and a bank card number list stored in the block chain network in advance to obtain the bank card number list of the user; sending the bank card number list to a client;
step 103: the client receives all the information of the bank cards to be bound selected from the bank card number list by the user in the 5G message, and acquires the biological characteristic information of the user; sending all the information of the bank card to be bound and the biological characteristic information to a 5G message server;
step 104: and the 5G message server compares the sent biological characteristic information with the biological characteristic information of the user pre-stored in the blockchain network, and if the biological characteristic information is consistent with the biological characteristic information of the user pre-stored in the blockchain network, a binding interface of a bank end corresponding to each piece of bank card information to be bound is called to complete multi-card binding processing.
The multi-card processing method based on the 5G message and the block chain realizes high-efficiency and safe multi-card processing. The individual steps involved in the method are described in detail below.
First, the above steps 101 to 104 are introduced.
In specific implementation, before implementing the embodiment of the invention, firstly, some preparation steps are carried out, customer information is written into the block chain, and the mapping relation between the mobile phone number and the bank card number list and the face information reserved by the customer in the bank are written into the block chain.
When the method is implemented specifically, next, the step of binding the cards is implemented: in the 5G message, a customer clicks card binding (namely, a card binding request input by a user is received), and the mobile phone number is uploaded to the 5G message server, until a bank card number list is matched and inquired in a mapping relation (the mapping relation between the mobile phone number and the bank card number list) stored in a block chain in advance. Specifically, a plurality of 5G message server nodes may form a block chain network, each server node stores a mapping relationship between a mobile phone number and a bank card number list, and the step of obtaining the bank card number list based on the mapping relationship may be: when receiving a mobile phone number, a main server node sends an inquiry request to each node in a block chain network, each node takes out the mapping relation stored in the node when receiving the inquiry request and sends the mapping relation to the main server node, and when determining that the similarity of the relation sent by each node is greater than a preset value, the main server node matches the mobile phone number sent by a client terminal in the mapping relation to obtain a bank card list corresponding to the mobile phone number. The client (user) selects the card in the client 5G message to bind, the face recognition (biological feature recognition) is carried out in the binding process, the card is uploaded to the 5G message server, the 5G message server is sent to the blockchain to inquire the reserved face information, and the step of inquiring the reserved face information by the blockchain is detailed in the step of obtaining the bank card number list. And the 5G message server compares whether the current face of the client is consistent with the face stored in the block chain, and completes the binding of the card by confirming that the client operates the 5G message server.
Secondly, the preferred steps of the embodiments of the present invention are described.
The inventor finds that in the prior art, a card number needs to be selected or input during transfer, and the security authentication needs to verify the code through inputting a short message or needs a token, which is relatively complicated, so the inventor also provides the following preferred scheme for efficient and secure transfer.
In an embodiment, as shown in fig. 2, the multi-card processing method based on 5G messages and blockchains may further include:
step 105: the client receives a transfer request of a user in a 5G message; when the transfer request is received, acquiring an air gesture of a user; monitoring transfer amount voice of a user in the 5G message; sending the air gesture and the transfer amount voice of the user to a 5G message server;
step 106: the 5G message server determines the movement position change information of the user above the screen of the client according to the space gesture, and judges the transfer intention of the user according to the position change information; the transfer intention comprises transfer-out account information and transfer-in account information; recognizing the transfer amount after receiving the transfer amount voice; and calling interfaces of banks corresponding to the transfer account information and the transfer account information to finish transfer processing according to the transfer amount, the transfer account information and the transfer account information.
In specific implementation, the method comprises the following steps of acquiring the gesture in the air: in the 5G message of the client, the blank gesture of the client is acquired, and the intention of the client is judged according to the position of the gesture of the client on a screen, namely the account from which the transfer is carried out to which account. If the 1 position is an account A (transferred account), the 2 position is an account B (transferred account), and the gesture of the client slides from the 1 position to the 2 position, the intention of the client is judged to be the transfer from the account A to the account B, and then the step of voice recognition is carried out.
In specific implementation, the voice recognition step comprises: monitoring the voice of the client in the 5G message of the client, sending the voice to the 5G message server, identifying the amount of money to be transferred by the client, and then entering the step of transferring
In the specific implementation, the transfer step is as follows: and according to the results obtained in the gesture acquisition and voice recognition steps, requiring the customer to perform face authentication, and sending the two account information, the face information and the transfer amount of the transfer to a bank background (the transferred-in account and the transferred-out account respectively correspond to bank end interfaces of the bank) through a 5G message server to finish the transfer between the accounts.
In one embodiment, as shown in fig. 3, the multi-card processing method based on 5G messages and block chains may further include step 107: and if the sent biological characteristic information is inconsistent with the biological characteristic information of the user pre-stored in the blockchain network, sending a binding rejection notice to the client.
In one embodiment, as shown in fig. 4, the multi-card processing method based on 5G messages and blockchains may further include step 108: and adding the multi-card processing result into the block chain.
The multi-card processing method based on the 5G message and the block chain provided by the embodiment of the invention realizes that: managing a plurality of bank cards through 5G messages without downloading APP; the card binding process is simple, and complicated verification is not needed; the transfer amount is recognized through voice, so that the complexity of manually inputting the amount is avoided; the transfer is rapidly completed in an experience mode of air gesture; identity authentication is completed through face recognition, and the method is fast and safe; and a block chain technology is adopted, so that denial is prevented, and safety is ensured.
The embodiment of the invention also provides a multi-card processing system based on the 5G message and the block chain, which is described in the following embodiment. Because the principle of solving the problem of the system is similar to the multi-card processing method based on the 5G message and the block chain, the implementation of the system can refer to the implementation of the multi-card processing method based on the 5G message and the block chain, and repeated details are not repeated.
Fig. 5 is a schematic structural diagram of a multi-card processing system based on 5G messages and block chains in an embodiment of the present invention, and as shown in fig. 5, the system includes:
the client 01 is used for receiving a card binding request input by a user in a 5G message and sending a mobile phone number of the user to the 5G message server; receiving all the information of the bank card to be bound selected by the user from the bank card number list in the 5G message, and acquiring the biological characteristic information of the user; sending all the information of the bank card to be bound and the biological characteristic information to a 5G message server;
the 5G message server 02 is used for inquiring the mapping relation between the mobile phone number of the user and a bank card number list stored in the block chain network in advance to obtain the bank card number list of the user; sending the bank card number list to a client; and comparing the sent biological characteristic information with the biological characteristic information of the user pre-stored in the blockchain network, and calling a binding interface of the bank end 03 corresponding to each piece of information of the bank card to be bound to finish multi-card binding processing if the biological characteristic information is consistent with the biological characteristic information of the user pre-stored in the blockchain network.
In one embodiment, the client may be further configured to receive a user's transfer request in a 5G message; when the transfer request is received, acquiring an air gesture of a user; monitoring transfer amount voice of a user in the 5G message; sending the air gesture and the transfer amount voice of the user to a 5G message server;
the 5G message server can also be used for determining the movement position change information of the user above the client screen according to the space gesture and judging the transfer intention of the user according to the position change information; the transfer intention comprises transfer-out account information and transfer-in account information; recognizing the transfer amount after receiving the transfer amount voice; and calling interfaces of banks corresponding to the transfer account information and the transfer account information to finish transfer processing according to the transfer amount, the transfer account information and the transfer account information.
In one embodiment, the 5G message server may be further configured to send a rejection binding notification to the client if the sent biometric information is inconsistent with the biometric information of the user pre-stored in the blockchain network.
In one embodiment, the above multi-card processing system based on 5G messages and block chains may further include: and the adding unit is used for adding the multi-card processing result into the block chain.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein when the processor executes the computer program, the multi-card processing method based on the 5G message and the block chain is realized.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above multi-card processing method based on 5G messages and block chains is stored in the computer-readable storage medium.
In the embodiment of the invention, the multi-card processing scheme based on the 5G message and the block chain comprises the following steps: the client receives a card binding request input by a user in a 5G message, and sends the mobile phone number of the user to a 5G message server; the 5G message server inquires the mapping relation between the mobile phone number of the user and a bank card number list stored in the block chain network in advance to obtain the bank card number list of the user; sending the bank card number list to a client; the client receives all the information of the bank cards to be bound selected from the bank card number list by the user in the 5G message, and acquires the biological characteristic information of the user; sending all the information of the bank card to be bound and the biological characteristic information to a 5G message server; the 5G message server compares the sent biological characteristic information with the biological characteristic information of the user pre-stored in the blockchain network, if the biological characteristic information is consistent with the biological characteristic information of the user pre-stored in the blockchain network, the binding interface of the bank end corresponding to the information of each bank card to be bound is called to complete multi-card binding processing, and the multi-card processing can be efficiently and safely carried out.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (10)
1. A multi-card processing method based on 5G messages and block chains is characterized by comprising the following steps:
the client receives a card binding request input by a user in a 5G message, and sends the mobile phone number of the user to a 5G message server;
the 5G message server inquires the mapping relation between the mobile phone number of the user and a bank card number list stored in the block chain network in advance to obtain the bank card number list of the user; sending the bank card number list to a client;
the client receives all the information of the bank cards to be bound selected from the bank card number list by the user in the 5G message, and acquires the biological characteristic information of the user; sending all the information of the bank card to be bound and the biological characteristic information to a 5G message server;
and the 5G message server compares the sent biological characteristic information with the biological characteristic information of the user pre-stored in the blockchain network, and if the biological characteristic information is consistent with the biological characteristic information of the user pre-stored in the blockchain network, a binding interface of a bank end corresponding to each piece of bank card information to be bound is called to complete multi-card binding processing.
2. The multi-card processing method based on 5G messages and blockchains according to claim 1, further comprising:
the client receives a transfer request of a user in a 5G message; when the transfer request is received, acquiring an air gesture of a user; monitoring transfer amount voice of a user in the 5G message; sending the air gesture and the transfer amount voice of the user to a 5G message server;
the 5G message server determines the movement position change information of the user above the screen of the client according to the space gesture, and judges the transfer intention of the user according to the position change information; the transfer intention comprises transfer-out account information and transfer-in account information; recognizing the transfer amount after receiving the transfer amount voice; and calling interfaces of banks corresponding to the transfer account information and the transfer account information to finish transfer processing according to the transfer amount, the transfer account information and the transfer account information.
3. The multi-card processing method based on 5G messages and blockchains according to claim 1, further comprising: and if the sent biological characteristic information is inconsistent with the biological characteristic information of the user pre-stored in the blockchain network, sending a binding rejection notice to the client.
4. The multi-card processing method based on 5G messages and blockchains according to claim 1, wherein the multi-card processing result is added to the blockchain.
5. A multi-card processing system based on 5G messages and blockchains, comprising:
the client is used for receiving a card binding request input by a user in the 5G message and sending the mobile phone number of the user to the 5G message server; receiving all the information of the bank card to be bound selected by the user from the bank card number list in the 5G message, and acquiring the biological characteristic information of the user; sending all the information of the bank card to be bound and the biological characteristic information to a 5G message server;
the 5G message server is used for inquiring the mapping relation between the mobile phone number of the user and a bank card number list which is stored in the block chain network in advance to obtain the bank card number list of the user; sending the bank card number list to a client; and comparing the sent biological characteristic information with the biological characteristic information of the user pre-stored in the blockchain network, and calling a binding interface of the bank end corresponding to each piece of information of the bank card to be bound to finish multi-card binding processing if the biological characteristic information is consistent with the biological characteristic information of the user pre-stored in the blockchain network.
6. The 5G-message and blockchain-based multi-card processing system of claim 5, wherein the client is further configured to receive a user's transfer request in a 5G message; when the transfer request is received, acquiring an air gesture of a user; monitoring transfer amount voice of a user in the 5G message; sending the air gesture and the transfer amount voice of the user to a 5G message server;
the 5G message server is also used for determining the movement position change information of the user above the screen of the client according to the space gesture and judging the transfer intention of the user according to the position change information; the transfer intention comprises transfer-out account information and transfer-in account information; recognizing the transfer amount after receiving the transfer amount voice; and calling interfaces of banks corresponding to the transfer account information and the transfer account information to finish transfer processing according to the transfer amount, the transfer account information and the transfer account information.
7. The multi-card processing system based on 5G message and blockchain of claim 5, wherein the 5G message server is further configured to send a rejection binding notification to the client if the sent biometric information is inconsistent with the biometric information of the user pre-stored in the blockchain network.
8. The 5G message and blockchain based multi-card processing system of claim 5 further comprising: and the adding unit is used for adding the multi-card processing result into the block chain.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
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| CN113837759A (en) * | 2021-10-09 | 2021-12-24 | 中国银行股份有限公司 | Bank account cancelling method and device |
| CN114639209A (en) * | 2022-03-24 | 2022-06-17 | 中国银行股份有限公司 | POS machine consumption verification setting method and system based on 5G message |
| CN115085996A (en) * | 2022-06-10 | 2022-09-20 | 中国银行股份有限公司 | Bank card unlocking method and system based on block chain technology and 5G message |
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2021
- 2021-05-17 CN CN202110532548.0A patent/CN113112266A/en active Pending
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN113837759A (en) * | 2021-10-09 | 2021-12-24 | 中国银行股份有限公司 | Bank account cancelling method and device |
| CN114639209A (en) * | 2022-03-24 | 2022-06-17 | 中国银行股份有限公司 | POS machine consumption verification setting method and system based on 5G message |
| CN114639209B (en) * | 2022-03-24 | 2024-02-23 | 中国银行股份有限公司 | POS machine consumption verification setting method and system based on 5G message |
| CN115085996A (en) * | 2022-06-10 | 2022-09-20 | 中国银行股份有限公司 | Bank card unlocking method and system based on block chain technology and 5G message |
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