CN113240401A

CN113240401A - Bank business operation withdrawing method and device based on block chain and 5G message

Info

Publication number: CN113240401A
Application number: CN202110624863.6A
Authority: CN
Inventors: 党娜; 刘洋; 李�昊
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2021-06-04
Filing date: 2021-06-04
Publication date: 2021-08-10

Abstract

The invention discloses a banking business operation withdrawing method and device based on a block chain and 5G messages, and relates to the field of block chain and mobile interconnection, wherein the method comprises the following steps: receiving a banking service request initiated by a user; generating a banking template according to the banking request, and sending the banking template to a user in a 5G message form; receiving banking information filled based on a banking template sent by a user in a 5G message form; receiving the banking information and returning whether the information is withdrawn to the user; and receiving selection information which is sent by the user and is based on whether the information is withdrawn or not and selecting whether the information is withdrawn or not, and carrying out corresponding operation according to the selection information. According to the invention, the withdrawal option is set after the user selects the banking operation, so that the banking operation can be withdrawn, and the user experience is improved.

Description

Bank business operation withdrawing method and device based on block chain and 5G message

Technical Field

The invention relates to the technical field of block chains and mobile interconnection, in particular to a banking business operation withdrawing method and device based on the block chains and 5G messages.

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, 5G messages are popular, users can buy financing and transfer accounts through the 5G messages, and other banking operations are convenient for the users, but the users are likely to impulse to buy large investments such as financing and the like while the users are convenient; the account number is easy to be wrongly transferred or the amount of money is set wrongly by a user during transferring, the user only has one opportunity to transfer money, and the user cannot independently select the operation after transferring the money, so that the user experience is poor.

Disclosure of Invention

The embodiment of the invention provides a banking business operation withdrawing method based on a block chain and 5G information, which is used for solving the technical problem that the user experience is poor because the user cannot withdraw after selecting the banking business operation in the prior art, and comprises the following steps:

receiving a banking service request initiated by a user;

generating a banking template according to the banking request, and sending the banking template to a user in a 5G message form;

receiving banking information filled based on a banking template sent by a user in a 5G message form;

receiving the banking information and returning whether the information is withdrawn to the user;

and receiving selection information which is sent by the user and is based on whether the information is withdrawn or not and selecting whether the information is withdrawn or not, and carrying out corresponding operation according to the selection information.

The embodiment of the invention also provides a device for withdrawing the banking operation based on the block chain and the 5G message, which is used for solving the technical problem that the user experience is poor because the user cannot withdraw the banking operation after selecting the banking operation in the prior art, and comprises the following components:

the banking request receiving module is used for receiving a banking request initiated by a user;

the 5G message sending module is used for generating a banking template according to the banking request and sending the banking template to a user in a 5G message form;

the 5G message receiving module is used for receiving banking information which is sent by a user in a 5G message form and is filled based on a banking template;

the information whether to withdraw returns the module, is used for receiving the said banking information, return and withdraw the information to users;

and the withdrawing operation module is used for receiving selection information which is sent by the user and is selected to withdraw or not based on the information withdrawing or not, and carrying out corresponding operation according to the selection information.

The embodiment of the invention also provides a system for withdrawing the banking operation based on the block chain and the 5G message, which is used for solving the technical problem that the user experience is poor because the user cannot withdraw the banking operation after selecting the banking operation in the prior art, and comprises the following steps: the user terminal and the banking operation withdrawing device based on the block chain and the 5G message.

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 the processor realizes the banking business operation withdrawing method based on the block chain and the 5G message when executing the computer program.

An embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the steps of the banking operation revocation method based on blockchain and 5G messages.

In the embodiment of the invention, compared with the technical scheme that the user cannot withdraw the bank service operation after selecting the bank service operation in the prior art, the user experience is poor, the bank service request initiated by the user is received; generating a banking template according to the banking request, and sending the banking template to a user in a 5G message form; receiving banking information filled based on a banking template sent by a user in a 5G message form; receiving the banking information and returning whether the information is withdrawn to the user; and receiving selection information which is sent by the user and is based on whether the information is withdrawn or not and selecting whether the information is withdrawn or not, and carrying out corresponding operation according to the selection information. The withdrawal option can be set after the user selects the banking operation, so that the banking operation can be withdrawn, and the user experience is improved.

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 first flowchart of a method for withdrawing a banking operation based on a blockchain and 5G messages according to an embodiment of the present invention;

FIG. 2 is a flowchart of a method for withdrawing a banking operation based on a blockchain and 5G messages according to an embodiment of the present invention;

fig. 3 is a flow chart of a banking operation withdrawal method based on a block chain and 5G messages according to an embodiment of the present invention;

FIG. 4 is a flowchart of a method for withdrawing a banking operation based on a blockchain and 5G messages according to an embodiment of the present invention;

FIG. 5 is a flow chart of a fifth embodiment of a withdrawal method of banking operations based on blockchains and 5G messages;

FIG. 6 is a flowchart of a sixth embodiment of a method for withdrawing a banking operation based on a blockchain and 5G messages;

FIG. 7 is a seventh flowchart of a method for withdrawing a banking operation based on a blockchain and a 5G message according to an embodiment of the present invention;

FIG. 8 is a flow chart of an eighth embodiment of a method for withdrawing a banking operation based on a blockchain and 5G messages;

FIG. 9 is a flowchart of a method for withdrawing a banking operation based on a blockchain and 5G messages according to an embodiment of the present invention;

FIG. 10 is a block diagram of a first exemplary embodiment of a device for withdrawing banking operations based on blockchains and 5G messages;

FIG. 11 is a block diagram of a second embodiment of a device for withdrawing banking operations based on blockchains and 5G messages;

FIG. 12 is a block diagram of a first exemplary embodiment of a system for withdrawing banking operations based on blockchains and 5G messages;

fig. 13 is a block diagram of a banking operation revocation system architecture based on a blockchain and 5G messages according to an 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.

Fig. 1 is a first flowchart of a banking operation revocation method based on a block chain and 5G messages in an embodiment of the present invention, as shown in fig. 1, the method includes:

step 101: receiving a banking service request initiated by a user;

step 102: generating a banking template according to the banking request, and sending the banking template to a user in a 5G message form;

step 103: receiving banking information filled based on a banking template sent by a user in a 5G message form;

step 104: receiving the banking information and returning whether the information is withdrawn to the user;

step 105: and receiving selection information which is sent by the user and is based on whether the information is withdrawn or not and selecting whether the information is withdrawn or not, and carrying out corresponding operation according to the selection information.

Specifically, in the prior art, a user can purchase financing through a 5G message, which is convenient for the user, but the user is very likely to urge to purchase large investment such as financing and the like while the user is convenient, and the user experience is poor. The user can carry out operations such as transfer through the 5G message, but the user easily transfers wrong account numbers or wrong amount setting in the transfer process, and the user experience is poor. The banking request may be a request for purchasing financing, a request for transferring money, or an operation request of other banking services involved.

The method is applied to a 5G background (namely, the banking operation withdrawing device based on the block chain and 5G messages mentioned later).

The withdrawal information may be "your message has been successfully sent, for example, you need to withdraw to click the withdrawal button".

In the embodiment of the present invention, as shown in fig. 2, the method further includes:

step 201: generating a random number according to the banking business request, and sending the random number to a user;

step 202: and receiving a random number returned when the user selects to withdraw, and verifying the identity of the user based on the random number.

Specifically, the random number is returned to the 5G background (i.e. the banking operation withdrawing device based on the block chain and 5G message mentioned later) when the user selects withdrawing, and the random number has the function of authenticating the client.

The user request service can also be numbered to form a unique identifier, and the user identity is verified based on the identifier.

In the embodiment of the present invention, the revocation information is revocation link information; if the user selects to withdraw, the selection information is withdrawn link click information;

as shown in fig. 3, step 105 receives selection information sent by a user and selecting whether to withdraw based on the information whether to withdraw, and performs corresponding operations according to the selection information, including:

step 301: and receiving withdrawal link click information returned by the user, and auditing the banking information based on the withdrawal link click information, wherein the auditing is passed, and the withdrawal operation is completed.

In the embodiment of the invention, the banking information comprises transfer amount;

as shown in fig. 4, step 301, based on the revocation link click information, performs auditing on banking information, including:

step 401: auditing the transfer amount, if the audit is passed, generating identity authentication mode information according to the transfer amount, and sending the identity authentication mode information to a user;

step 402: acquiring identity information of a user after corresponding identity authentication is carried out according to the identity authentication mode information;

step 403: and authenticating the identity information, and finishing the withdrawing operation if the identity information passes the authentication.

The above mentioned is the corresponding transfer operation.

Specifically, the auditing the transfer amount may include: and judging whether the transfer is ordinary transfer or large transfer or has a corresponding limit every day according to the service type, and if the transfer is not large, the transfer cannot be performed.

Generating identity authentication mode information according to the transfer amount, comprising: different transfer amounts correspond to different identity authentication modes. For example, when the transfer amount is a large transfer amount, face recognition, fingerprint or a mobile banking safety tool is needed; if the transfer is not large, the short message verification code can be adopted.

In the embodiment of the invention, the banking information comprises the types of bank financing products;

as shown in fig. 5, step 301, based on the revocation link click information, performs auditing on banking information, including:

step 501: auditing the types of the bank financing products;

step 502: if the audit is passed, judging whether the bank financing product can be withdrawn or not according to the type of the bank financing product;

step 503: if the identity authentication can be withdrawn, generating identity authentication mode information according to the type of the bank financing product, sending the identity authentication mode information to a user, acquiring the identity information of the user after corresponding identity authentication is carried out according to the identity authentication mode information, authenticating the identity information, and if the identity authentication is passed, finishing withdrawal operation;

step 504: if the information cannot be withdrawn, returning the information which cannot be withdrawn to the user.

Specifically, the auditing the bank financing product type includes: and auditing the purchasing rules corresponding to different financing products.

And generating identity authentication mode information according to the bank financing product type, wherein if the bank financing product type is large in amount and withdraws, face recognition is required or a mobile banking safety tool is used. For example, if the amount of money is above 5w, face recognition is required, or security tool verification (audio key, mobile phone shield, u shield) and short message verification code below 5w are required.

Specifically, the withdrawal judgment of the financial product is as follows: according to the type of the fund financing product, the purchase amount, the service grade of the fund financing product category, whether the service is the recent popularization service of the bank or not, the risk grade of the service, whether the user is a high-quality client of the bank or not in the credit condition of the bank and the deposit number of the bank, and whether the user withdraws or not is set. The specific algorithm inputs the factors into a neural network model according to the neural network model, the BP neural network and the genetic algorithm establish the model, the genetic algorithm is introduced in the aspect of optimizing the weight and the threshold of the BP neural network, and the GA-BP neural network model is constructed. Determining a GA-BP neural network structure, determining the BP neural network structure according to the number of network input and output, and further determining the number of parameters needing to be optimized in a genetic algorithm. According to the kolmogorov principle, one three-layer BP neural network can sufficiently complete any mapping from n dimension to m dimension, generally only one hidden layer is needed, and the number of hidden layer nodes is determined by a trial and error method, so that the GA-BP neural network structure is determined. And (4) training and learning the BP neural network by taking the optimal individual output by the genetic algorithm as the initial weight and the threshold of the BP neural network. And taking the collected client information as historical data, dividing the historical data into a training set and a testing set, training the GA-BP neural network model based on historical data analysis, and verifying the prediction accuracy of the model by using a testing sample. The model is continuously self-optimized through a machine learning method in the using process, and the effectiveness of the model is improved.

as shown in fig. 6, step 105 receives selection information sent by a user and selecting whether to withdraw based on the information whether to withdraw, and performs corresponding operations according to the selection information, including:

step 601: receiving revocation link click information returned by a user;

step 602: and acquiring the withdrawable times of the user according to the banking information, auditing the withdrawable times of the user based on the withdrawing link click information, if the withdrawable times of the user is more than 0, the auditing is passed, withdrawing operation is completed, and the withdrawable times of the user is reduced by 1.

In particular, the number of user withdrawable times may be set based on security considerations.

In an embodiment of the present invention, the user revocable number is determined as follows:

and determining the withdrawable times of the user according to the credit information of the user, the grade information of the user, the deposit information of the user and the transaction information of the user based on a neural network model.

Specifically, the number of user withdrawals: and according to the neural network model, setting corresponding withdrawal times for the user according to the credit condition of the user in the bank, whether the user is a high-quality bank client, the transaction record and the deposit number in the bank.

The specific algorithm is as follows:

1. let x be { a1, a2.. Am } as the characteristic corresponding to the user, and a be the characteristic attribute of x, including deposit amount, transaction record, credit, whether it is a high-quality customer of the bank.

2. The category set C is (Y1, Y2, Y3, Y4, Y5, Y6), and each indicates the number of withdrawal times.

3. P (Y1| x), P (Y2| x.) and P (Y6| x) are calculated as the withdrawal number of the user under the condition of the client feature value.

The key point is now to find P (Y1| x), P (Y2| x.) and P (Y6| x) as follows:

finding a set of items to be classified of known classification, wherein the set is called a training sample, namely feature values of past personnel, and classifying the feature values into specific grades as historical data through artificial experience, so as to obtain the corresponding relation between the existing x ═ { A1, A2.. Am } and C ═ Y1, Y2... Y6;

and carrying out statistics to obtain the conditional probability estimation of each characteristic attribute under each category. Namely:

p (a1| Y1) P (a2| Y1) … P (Am | Y1), P (a1| Y2) P (a2| Y2) … P (Am | Y2).. P (a1| Y6) P (a2| Y6) … P (Am | Y6) are probabilities of each attribute under each level condition. For example, in historical data, in all characteristics of risk level, the user impulse level probability is under the characteristic value. The following derivation is made according to bayes' theorem:

p (Yi | x) ═ P (x | Yi) P (Yi)/P (x) may require only a molecule, and only a molecule may be required by normalization of the molecule, and the corresponding probability may be obtained by normalization of the molecule:

P(x|Yi)×P(Yi)＝P(A1|Yi)×P(A2|Yi)×…×P(Am|Yi)×P(Yi)。

4、P(Y1|x)＝P(x|Y1)P(Y1)＝P(A1|Y1)×P(A2|Y1)×…×P(Am|Y1)×P(Y1)

P(Y2|x)＝P(x|Y2)P(Y2)＝P(A1|Y2)×P(A2|Y2)×…×P(Am|Y2)×P(Y2)

...

P(Y6|x)＝P(x|Y6)P(Y2)＝P(A1|Y6)×P(A2|Y6)×…×P(Am|Y6)×P(Y6)。

5. the maximum values of P (Y1), P (Y2), P (Y3), P (Y4), P (Y5) and P (Y6) are the retrievable priorities.

For users with high priority, the number of revocations may be set once a day, followed by once a week, once a month, etc.

and carrying out weighting processing on the user credit information, the user grade information, the user deposit information and the user transaction information, and determining the withdrawable times of the user according to the weighting processing result.

Specifically, the number of user withdrawals: according to the credit condition of the user in the bank and whether the user is a high-quality bank client, the user performs weighting processing on the bank deposit number, namely, the linear addition is automatically performed, and the classification is automatically performed through the score of the added proportion.

as shown in fig. 7, step 105 receives selection information sent by a user and selecting whether to withdraw based on the information whether to withdraw, and performs corresponding operations according to the selection information, including:

step 701: receiving revocation link click information returned by a user;

step 702: checking the time when the user clicks the revocation link based on the revocation link clicking information, if the time when the user clicks the revocation link is greater than the preset time, the checking is not passed, and the information which cannot be revoked is returned to the user; and if the time for the user to click the withdrawing link is less than the preset threshold value, the audit is passed, and the withdrawing operation is completed.

Specifically, the time when the user clicks the withdrawal link refers to the time when the background sends information whether to withdraw or not from 5G, and this preset time may be set to 3 minutes (other times may also be, but should not be too long), when the time when the user clicks the withdrawal link is less than 3 minutes, which indicates that the time is within the set withdrawable range, the withdrawal may be performed, and if the time exceeds 3 minutes, the withdrawal is not agreed.

In the embodiment of the present invention, the revocation information is revocation link information; if the user does not select to withdraw, the selection information is no click action information;

as shown in fig. 8, step 105 receives selection information sent by a user and selecting whether to withdraw based on the information whether to withdraw, and performs corresponding operations according to the selection information, including:

step 801: receiving the information of the non-click action, and determining the difference value between the time of receiving the information of the non-click action and the time of sending the link withdrawal information;

step 802: if the difference value is within the preset time, waiting for the user to select whether to withdraw, and if the difference value is outside the preset time, invalidating the withdrawing link information.

Specifically, the time of the no-click information refers to the time of whether to withdraw the information or not sent from the 5G background, and this preset time may be set to 3 minutes (other times may be, but not too long), when the time of the no-click information is less than 3 minutes, it indicates that the time is within the set withdrawable range, if the user clicks to withdraw at this time, the no-click information may be withdrawn, and if the time of the no-click information exceeds 3 minutes, the withdrawal link information is invalid.

In the embodiment of the present invention, as shown in fig. 9, the method further includes:

step 901: and storing the corresponding banking operation information into the block chain.

Specifically, the corresponding relationship between the mobile phone number, the card number, the identification number, the fingerprint and the face of the user can be written in the block chain. And writing the fund financing product.

For example.

For financial purchases:

1. the user sends a fund purchasing financing request to the 5G background through a 5G message (voice, video and the like).

2. After receiving a fund purchasing financing request, generating a purchasing financing template and sending the purchasing financing template to the user through a 5G message.

3. And the user A fills in the type of the fund financing product and the fund financing product code, and sends the fund financing product code to the 5G background in the form of 5G message.

4. And after receiving the information, the 5G background sends a 5G message to the user to inform the user that the information is sent, and sends a revocation link to the user.

5. And if the user does not need to withdraw, the withdrawing link fails after three minutes, and if the user needs to withdraw, the link is clicked to apply for withdrawing.

6. And after the 5G background receives the user withdrawal request, checking the user time, the fund financing product type, whether the type can be withdrawn or not, the withdrawal times of the user and the like, if the checking is passed, sending different authentication modes according to the user fund financing product type, finishing the withdrawal operation for the user by the system after the user input is finished, and carrying out the withdrawal times-1 on the user in the background system.

For the transfer operation:

1. the user sends a transfer request to the 5G backend via a 5G message (voice, video, etc.).

2. And after receiving the transfer request, generating a transfer template and sending the transfer template to the user through a 5G message.

3. And the user A fills in the mobile phone number or account number or the identity card or the transfer two-dimensional code information and the transfer amount of the user B, and sends the information and the transfer amount to the 5G background in a 5G message mode.

6. And after the 5G background receives the user withdrawal request, checking the user time, the withdrawal amount, the withdrawal frequency of the user and the like, if the user time, the withdrawal amount, the withdrawal frequency of the user and the like pass the checking, sending different authentication modes according to the user transfer amount, finishing the withdrawal operation for the user by the system after the user input is finished, and carrying out-1 withdrawal frequency on the user in the background system.

The embodiment of the invention also provides a banking operation withdrawing device based on the blockchain and the 5G message, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the banking business operation withdrawal method based on the block chain and the 5G message, the implementation of the device can refer to the implementation of the banking business operation withdrawal method based on the block chain and the 5G message, and repeated details are not repeated.

Fig. 10 is a block diagram of a first banking operation revocation apparatus according to an embodiment of the present invention, wherein the apparatus (i.e. 5G background) includes:

the banking request receiving module 02 is used for receiving a banking request initiated by a user;

the 5G message sending module 04 is used for generating a banking template according to the banking request and sending the banking template to a user in a 5G message form;

the 5G message receiving module 06 is used for receiving banking information which is sent by a user in a 5G message form and is filled based on a banking template;

a message withdrawal or not returning module 08, configured to receive the banking information and return message withdrawal or not to the user;

and the withdrawing operation module 10 is configured to receive selection information sent by the user and based on whether the information is withdrawn or not, and perform corresponding operation according to the selection information.

In this embodiment of the present invention, the 5G message sending module 04 is further configured to: generating a random number according to the banking business request, and sending the random number to a user;

the recall operation module 10 is also adapted to: and receiving a random number returned when the user selects to withdraw, and verifying the identity of the user based on the random number.

the recall operating module 10 is particularly adapted to:

and receiving withdrawal link click information returned by the user, and auditing the banking information based on the withdrawal link click information, wherein the auditing is passed, and the withdrawal operation is completed.

the recall operating module 10 is particularly adapted to:

auditing the transfer amount, if the audit is passed, generating identity authentication mode information according to the transfer amount, and sending the identity authentication mode information to a user;

acquiring identity information of a user after corresponding identity authentication is carried out according to the identity authentication mode information;

and authenticating the identity information, and finishing the withdrawing operation if the identity information passes the authentication.

the recall operating module 10 is particularly adapted to:

verifying the bank financing product type, if the verification is passed, judging whether the bank financing product type can be withdrawn or not according to the bank financing product type, if the bank financing product type can be withdrawn, generating identity authentication mode information according to the bank financing product type, sending the identity authentication mode information to a user, acquiring identity information of the user after corresponding identity authentication is carried out according to the identity authentication mode information, authenticating the identity information, and if the identity authentication is passed, finishing withdrawal operation;

if the information cannot be withdrawn, returning the information which cannot be withdrawn to the user.

the recall operating module 10 is particularly adapted to:

receiving revocation link click information returned by a user;

and acquiring the withdrawable times of the user according to the banking information, auditing the withdrawable times of the user based on the withdrawing link click information, if the withdrawable times of the user is more than 0, the auditing is passed, withdrawing operation is completed, and the withdrawable times of the user is reduced by 1.

the recall operating module 10 is particularly adapted to:

receiving revocation link click information returned by a user;

checking the time when the user clicks the revocation link based on the revocation link clicking information, if the time when the user clicks the revocation link is greater than the preset time, the checking is not passed, and the information which cannot be revoked is returned to the user; and if the time for the user to click the withdrawing link is less than the preset threshold value, the audit is passed, and the withdrawing operation is completed.

the recall operating module 10 is particularly adapted to:

receiving the information of the non-click action, and determining the difference value between the time of receiving the information of the non-click action and the time of sending the link withdrawal information;

if the difference value is within the preset time, waiting for the user to select whether to withdraw, and if the difference value is outside the preset time, invalidating the withdrawing link information.

In the embodiment of the present invention, as shown in fig. 11, the method further includes:

and the storage module 12 is used for storing the corresponding banking operation information into the block chain.

The embodiment of the invention also provides a banking operation withdrawing device based on the blockchain and the 5G message, which is described in the following embodiment.

Fig. 12 is a block diagram of a first banking operation revocation system according to an embodiment of the present invention, and based on a blockchain and 5G messages, as shown in fig. 12, the system includes: the user terminal and the banking operation withdrawing device based on the block chain and the 5G message.

In the embodiment of the present invention, as shown in fig. 13, the method further includes: and the block chain is used for storing corresponding banking business operation information.

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

1. A banking operation withdrawing method based on a block chain and 5G messages is characterized by comprising the following steps:

receiving a banking service request initiated by a user;

2. The banking operation revocation method based on blockchain and 5G messages according to claim 1, further comprising:

generating a random number according to the banking business request, and sending the random number to a user;

and receiving a random number returned when the user selects to withdraw, and verifying the identity of the user based on the random number.

3. The banking operation revocation method based on blockchain and 5G messages according to claim 1, wherein the information whether or not to be revoked is revocation link information; if the user selects to withdraw, the selection information is withdrawn link click information;

receiving selection information which is sent by a user and is selected to withdraw or not based on the information withdraw or not, and carrying out corresponding operation according to the selection information, wherein the selection information comprises the following steps:

4. The blockchain and 5G message based banking operation withdrawal method according to claim 3, wherein the banking information includes a transfer amount;

and auditing the banking information based on the withdrawn link click information, comprising:

5. The banking operation withdrawing method based on blockchain and 5G messages as claimed in claim 3, wherein the banking information includes a banking financial product type;

6. The banking operation revocation method based on blockchain and 5G messages according to claim 1, wherein the information whether or not to be revoked is revocation link information; if the user selects to withdraw, the selection information is withdrawn link click information;

receiving revocation link click information returned by a user;

7. The banking operation revocation method based on blockchain and 5G messages according to claim 6, wherein the user revocable number is determined as follows:

8. The banking operation revocation method based on blockchain and 5G messages according to claim 6, wherein the user revocable number is determined as follows:

9. The banking operation revocation method based on blockchain and 5G messages according to claim 1, wherein the information whether or not to be revoked is revocation link information; if the user selects to withdraw, the selection information is withdrawn link click information;

receiving revocation link click information returned by a user;

10. The banking operation revocation method based on blockchain and 5G messages according to claim 1, wherein the information whether or not to be revoked is revocation link information; if the user does not select to withdraw, the selection information is no click action information;

11. The banking operation revocation method based on blockchain and 5G messages according to claim 1, further comprising:

and storing the corresponding banking operation information into the block chain.

12. A banking operation revocation device based on blockchain and 5G messages, comprising:

13. The banking operation revocation apparatus based on blockchain and 5G messages according to claim 12, wherein the 5G message sending module is further configured to: generating a random number according to the banking business request, and sending the random number to a user;

the recall operation module is further to: and receiving a random number returned when the user selects to withdraw, and verifying the identity of the user based on the random number.

14. The banking operation revocation apparatus based on blockchain and 5G messages according to claim 12, wherein the whether revocation information is revocation link information; if the user selects to withdraw, the selection information is withdrawn link click information;

the recall operation module is specifically configured to:

15. The blockchain and 5G message based banking operation revocation device according to claim 14, wherein banking information includes a transfer amount;

the recall operation module is specifically configured to:

16. The banking operation revocation apparatus based on blockchain and 5G messages according to claim 14, wherein banking information includes banking financial product type;

the recall operation module is specifically configured to:

17. The banking operation revocation apparatus based on blockchain and 5G messages according to claim 12, wherein the whether revocation information is revocation link information; if the user selects to withdraw, the selection information is withdrawn link click information;

the recall operation module is specifically configured to:

receiving revocation link click information returned by a user;

18. The banking operation revocation apparatus based on blockchain and 5G messages according to claim 17, wherein the user revocable number is determined as follows:

19. The banking operation revocation apparatus based on blockchain and 5G messages according to claim 17, wherein the user revocable number is determined as follows:

20. The banking operation revocation apparatus based on blockchain and 5G messages according to claim 12, wherein the whether revocation information is revocation link information; if the user selects to withdraw, the selection information is withdrawn link click information;

the recall operation module is specifically configured to:

receiving revocation link click information returned by a user;

21. The banking operation revocation apparatus based on blockchain and 5G messages according to claim 12, wherein the whether revocation information is revocation link information; if the user does not select to withdraw, the selection information is no click action information;

the recall operation module is specifically configured to:

22. The banking operation revocation apparatus based on blockchain and 5G messages according to claim 12, further comprising:

and the storage module is used for storing the corresponding banking operation information into the block chain.

23. A banking operation revocation system based on blockchain and 5G messages, comprising: user terminal and banking operation revocation device based on blockchain and 5G messages according to any of claims 1 to 11.

24. The blockchain and 5G message based banking operation revocation system according to claim 23, further comprising: and the block chain is used for storing corresponding banking business operation information.

25. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the computer program implements the block chain and 5G message based banking operation revocation method of any one of claims 1 to 11.

26. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the block chain and 5G message based banking operation revocation method according to one of the claims 1 to 11.