CN113011969A

CN113011969A - Banking business processing method, device, medium and electronic equipment based on 5G message

Info

Publication number: CN113011969A
Application number: CN202110349261.4A
Authority: CN
Inventors: 李志刚; 李震; 杨杰
Original assignee: CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp
Priority date: 2021-03-31
Filing date: 2021-03-31
Publication date: 2021-06-22

Abstract

The embodiment of the application discloses a banking business processing method, a banking business processing device, a banking business processing medium and electronic equipment based on 5G messages. The embodiment of the application relates to the technical field of internet. The method comprises the following steps: receiving an uplink message sent by a terminal through a gateway cluster, and identifying whether the uplink message is an encrypted message; wherein, the uplink message is a 5G message; if the message is an encrypted message, performing decryption processing through the gateway cluster, and converting the uplink message into message content in a preset format; analyzing the message content in a preset format through a message cluster, and determining the message type; and determining the transaction code mapped by the message type according to the preset mapping relation through the message cluster, and sending the transaction code to the transaction cluster based on the transaction code so as to carry out transaction processing by the transaction cluster. By executing the scheme, bank financial and non-financial services can be provided for the user through the 5G message, so that the purposes of improving the processing speed of the message, increasing the processing mode of the message and facilitating the use of the user are achieved.

Description

Banking business processing method, device, medium and electronic equipment based on 5G message

Technical Field

The embodiment of the application relates to the technical field of internet, in particular to a banking business processing method, device, medium and electronic equipment based on 5G messages.

Background

With the rapid development of the economic society, people pay attention to the mobile information of funds, and meanwhile, the traditional bank business information is notified in a short message mode, so that the requirements of people on high efficiency and convenience cannot be met. The most core defects of the traditional short message notification mode are that the function is single, no interaction exists, the real-time performance is poor and the like. For financial or non-financial services in banking, the interactivity, real-time performance and functional comprehensiveness directly influence the use experience of users. The traditional short message mode for receiving and sending banking business messages cannot meet the development requirements of the current society.

Disclosure of Invention

The embodiment of the application provides a banking business processing method, a banking business processing device, a banking business processing medium and electronic equipment based on 5G messages, which can provide banking financial and non-financial services for users through the 5G messages, so that the purposes of improving the processing speed of the messages and increasing the processing modes of the messages are achieved, and the users can use the banking business processing method conveniently.

In a first aspect, an embodiment of the present application provides a banking service processing method based on 5G messages, where the method is performed by a 5G message banking system, where the 5G message banking system includes a gateway cluster, a message cluster, and a transaction cluster, and the method includes:

identifying whether the uplink message is an encrypted message or not by receiving the uplink message sent by the terminal through the gateway cluster; wherein, the uplink message is a 5G message;

if the message is an encrypted message, performing decryption processing through the gateway cluster, and converting the uplink message into a message content in a preset format;

analyzing the message content in the preset format through the message cluster, and determining the message type;

and determining the transaction code mapped by the message type according to a preset mapping relation through the message cluster, and sending the transaction code to the transaction cluster based on the transaction code so as to enable the transaction cluster to perform transaction processing.

Further, determining, by the message cluster, a transaction code mapped by the message type according to a preset mapping relationship, and sending the transaction code to the transaction cluster based on the transaction code, so that the transaction cluster performs transaction processing, including:

determining whether the message type contains a transaction code according to a preset mapping relation through a message cluster;

if the message content is a non-transaction code, sending the analysis result of the message content to the intelligent customer service robot through the transaction cluster;

and if the transaction code is the transaction code, determining a target transaction request according to the transaction code through the message cluster, and sending the target transaction request to the transaction cluster for processing by the transaction cluster.

Further, after the uplink message is converted into the message content in the preset format, the method further includes:

and sending the response information of the uplink message to the operator.

Further, the message content in the preset format is a message content in an xml format;

correspondingly, the analyzing the message content with the preset format through the message cluster, and determining the message type includes:

analyzing the message content in the xml format into a Map structure through a message cluster, and determining the message type; wherein the message type comprises at least one of text, picture, audio-video, geographic location, and rich media card.

Further, the providing for the transaction cluster to perform transaction processing includes:

the transaction cluster generates transaction information according to the target transaction request;

and sending the transaction information to a back-end service platform for the back-end service platform to process according to the transaction information to obtain transaction return data.

Further, after being provided for the transaction cluster to perform transaction processing, the method further includes:

acquiring transaction return data through the transaction cluster; inputting the transaction return data to a message queue through the message cluster;

transaction return data are extracted from the message queue through the message cluster, and return message assembly is carried out according to message template configuration information;

and formatting the assembled return message according to a preset operator message format through the gateway cluster, and sending the formatted return message to the terminal.

Further, the step of extracting transaction return data from the message queue through the message cluster and assembling return messages according to the message template configuration information includes:

starting a message processing thread through the message cluster, and extracting transaction return data from a message queue;

determining template configuration information according to the message type of the target transaction request corresponding to the transaction return data;

determining whether the template configuration information is a text template;

and if so, assembling the transaction return data into a text return message.

Further, after determining whether the template configuration information is a text-type template, the method further includes:

if not, acquiring the dynamic configuration information of the template, and judging whether the template is a dynamic picture template or not;

if the transaction return data is the dynamic picture template, the transaction return data is assembled into a dynamic picture return message;

and if the transaction return data is the static picture template, assembling the transaction return data into a static picture return message.

Further, the message queue is further configured to:

initializing a message queue, and determining an ID (identity) of an intelligent customer service robot associated with a message in the message queue;

configuring at least two message queues for each intelligent customer service robot ID, and determining the priority of the configured at least two message queues;

and determining the processing sequence of the transaction return data according to the ID of the intelligent customer service robot and the priority of the message queue.

Further, obtaining transaction return data through the transaction cluster includes:

if the transaction return data are customer service response data returned by the intelligent customer service robot, sending the customer service response data to a message cluster in a message form;

if the transaction return data are returned by the back-end service platform, determining a response code of the transaction return data;

determining whether the terminal opens a 5G message or not according to the response code;

if the message is opened, the message is assembled into a return message in a 5G message format and is sent to the message cluster.

Further, after determining whether the terminal opens the 5G message according to the response code, the method further includes:

if not, sending the return message to a message cluster;

and if the response code indicates that the target is the unsigned terminal, assembling the return message into an unsigned message and sending the message to a message cluster.

Further, after obtaining the transaction return data through the transaction cluster, the method further comprises:

acquiring tail attaching configuration information of a return message through the transaction cluster; wherein, the tail pasting configuration information is determined according to the portrait of a terminal login user;

correspondingly, the transaction return data is extracted from the message queue through the message cluster, and return message assembly is carried out according to the message template configuration information, and the method comprises the following steps:

transaction return data and the tail attaching configuration information are extracted from the message queue through the message cluster, and return message assembly is carried out according to the message template configuration information; wherein the encapsulated return message includes the trailer configuration information.

Further, the method further comprises:

responding to the development request, and determining a development target corresponding to the development request; wherein the development target comprises at least one of a UI component library, a subject library, a communication mode and error processing;

and determining a development and debugging interface according to the development target so as to develop and debug.

In a second aspect, an embodiment of the present application provides a banking service processing device based on 5G messages, where the device is configured in a 5G message banking system, the 5G message banking system includes a gateway cluster, a message cluster, and a transaction cluster, and the device includes:

an uplink message receiving module, configured to identify whether an uplink message sent by the gateway cluster receiving terminal is an encrypted message; wherein, the uplink message is a 5G message;

the format conversion module is used for carrying out decryption processing through the gateway cluster if the message is an encrypted message and converting the uplink message into the message content in the preset format;

the message type determining module is used for analyzing the message content with the preset format through the message cluster and determining the message type;

and the transaction processing module is used for determining the transaction code mapped by the message type through the message cluster according to a preset mapping relation and sending the transaction code to the transaction cluster based on the transaction code so as to enable the transaction cluster to perform transaction processing.

In a third aspect, the present application provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements a banking business processing method based on 5G messages according to the present application.

In a fourth aspect, an embodiment of the present application provides an electronic device, which includes a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor, when executing the computer program, implements the banking processing method based on 5G messages according to the embodiment of the present application.

In the technical solution provided in the embodiment of the present application, the method is performed by a 5G message banking system, the 5G message banking system includes a gateway cluster, a message cluster, and a transaction cluster, and the method includes: identifying whether the uplink message is an encrypted message or not by receiving the uplink message sent by the terminal through the gateway cluster; wherein, the uplink message is a 5G message; if the message is an encrypted message, performing decryption processing through the gateway cluster, and converting the uplink message into a message content in a preset format; analyzing the message content in the preset format through the message cluster, and determining the message type; and determining the transaction code mapped by the message type according to a preset mapping relation through the message cluster, and sending the transaction code to the transaction cluster based on the transaction code so as to enable the transaction cluster to perform transaction processing. By executing the technical scheme, the banking and non-banking services can be provided for the user through the 5G message, so that the purposes of improving the processing speed of the message and increasing the processing mode of the message to facilitate the use of the user are achieved.

Drawings

Fig. 1 is a flowchart of a banking processing method based on 5G messages according to an embodiment of the present application;

fig. 2 is a flowchart of a banking processing method based on 5G messages according to a second embodiment of the present application;

fig. 3 is a schematic diagram of an uplink message service logic of a gateway cluster according to a second embodiment of the present application;

fig. 4 is a schematic diagram of a downlink message service logic of a gateway cluster according to a second embodiment of the present application;

fig. 5 is a schematic diagram of an uplink message service logic of a message cluster provided in the second embodiment of the present application;

fig. 6 is a schematic diagram of a downlink message service logic of a message cluster according to a second embodiment of the present application;

FIG. 7 is a schematic diagram of business logic of a transaction cluster provided in embodiment two of the present application;

fig. 8 is a schematic diagram of an overall architecture of a 5G message banking system provided in the third embodiment of the present application;

fig. 9 is a schematic structural diagram of a banking processing device based on 5G messages according to a fourth embodiment of the present application;

fig. 10 is a schematic structural diagram of an electronic device according to a fifth embodiment of the present application.

Detailed Description

The present application will be described in further detail with reference to the following drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the application and are not limiting of the application. It should be further noted that, for the convenience of description, only some of the structures related to the present application are shown in the drawings, not all of the structures.

Before discussing exemplary embodiments in more detail, it should be noted that some exemplary embodiments are described as processes or methods depicted as flowcharts. Although a flowchart may describe the steps as a sequential process, many of the steps can be performed in parallel, concurrently or simultaneously. In addition, the order of the steps may be rearranged. The process may be terminated when its operations are completed, but may have additional steps not included in the figure. The processes may correspond to methods, functions, procedures, subroutines, and the like.

Example one

Fig. 1 is a flowchart of a banking processing method based on 5G messages according to an embodiment of the present application, where the embodiment is applicable to a situation of information transceiving of a 5G message banking system, and the method may be executed by a banking processing device based on 5G messages according to an embodiment of the present application, where the device may be implemented by software and/or hardware and may be integrated in an electronic device.

As shown in fig. 1, the banking processing method based on 5G message includes:

s110, receiving an uplink message sent by a terminal through the gateway cluster, and identifying whether the uplink message is an encrypted message; wherein, the uplink message is a 5G message.

The 5G message bank adopts a new 5G message technology, a 5G message bank gateway, a technical architecture and a business background are newly built, and financial and non-financial innovation and intelligent services of the 5G message bank are provided.

The method is executed by a 5G message banking system, and the 5G message banking system comprises a gateway cluster, a message cluster and a transaction cluster.

In order to realize the core of providing financial and non-financial services for a 5G message banking system, the system can be decomposed into a gateway cluster, a message cluster and a transaction cluster which are respectively built to form a basic framework of the service system.

And (4) building a gateway cluster, realizing uplink, downlink and message sending mechanisms of the 5G message, and butting operators through parameter configuration. And basic communication, transaction and error processing, development, debugging and application release mechanisms of the 5G message bank are realized.

And establishing a message cluster, receiving the uplink message of the gateway cluster, establishing a bottom layer communication service protocol, and providing service for the transaction cluster. Aiming at the downlink messages of the transaction cluster, the customization capability of the 5G messages is realized, an H5 framework is built, 5G message management and rich media card manufacturing are realized, so that the capability of matching different message templates according to priorities in different scenes is realized, and personalized, templated and specialized message services are provided.

And (3) establishing a transaction cluster, realizing a 5G message batch processing mechanism, requesting a corresponding product component according to the message type, and realizing financial and non-financial services such as account change notification, balance inquiry, bill inquiry, one-key payment, website number taking, intelligent marketing tail pasting and the like by sending the 5G message.

After the establishment is completed, when a user actually uses the terminal, the user can input a message or click a button, the terminal sends an uplink message to the gateway cluster, the gateway cluster analyzes the message and initiates a request to the message cluster, and the analyzed data is sent to the message cluster. The message cluster initiates a request to the transaction cluster after logic processing. The transaction cluster acquires the required transaction data through the corresponding product component and returns the transaction data to the message cluster through the downlink message. And the message cluster puts the data back into the message queue again, simultaneously starts a thread to consume the messages from the queue, assembles the messages into a corresponding message template, and sends the message template to the gateway cluster, and the gateway cluster sends the message template to a terminal for display so as to provide further financial or non-financial services for the user.

So far, it can be considered that one information cycle is completed, and in the actual use process of the user, the purpose that the transaction can be completed by a plurality of information cycles may exist, so that the above process can be repeated until the use requirement of the user is solved and the transaction is finished.

It will be appreciated that the 5G messaging banking system may handle financial services or non-financial services. Where financial services may include transfers, repayment, etc., and non-financial services may include services that are completed without the need to conduct a transaction, such as point withdrawal, balance inquiries, etc.

In the scheme, the uplink message sent by the terminal can be an uplink message input by a user in a mode of key clicking, audio input and the like based on information returned by a 5G message banking system, and can also be an uplink message initiated by the user, directly input content information of a service required by the user and uploaded. This scheme can realize carrying out more comprehensive understanding to the user's demand based on 5G news, and for example the user can express oneself demand through clicking the button in the 5G news, can also realize the purpose of brief swift expression oneself demand through modes such as text input, speech input and code input, and then also can carry out quick and accurate information reply to user's demand through 5G message bank system.

And S120, if the message is an encrypted message, decrypting the encrypted message through the gateway cluster, and converting the uplink message into a message content in a preset format.

In combination with the above construction of the gateway cluster, the gateway cluster can determine whether the uplink message is encrypted or not by identification, if the uplink message is encrypted, decryption processing is required, and if the uplink message is not encrypted, that is, transmission is performed in a plaintext form, plaintext information can be directly identified.

In this scheme, in order to perform better interaction between the gateway cluster and the message cluster, format conversion may be performed on the uplink message, for example, conversion may be performed into a Json format or another format.

Optionally, in the scheme, the message content in the preset format is a message content in an xml format;

Among them, xml format is extensible markup language (a subset of standard universal markup language), which is a simple data storage language. Data is described using a series of simple tags which can be created in a convenient manner, and extensible markup language is extremely simple to master and use, although it takes up more space than binary data.

A JavaScript object is essentially a collection of key-value pairs, but can only use a string as a key. To address this problem, es6 proposes a Map data structure. Map is similar to an object, but the scope of "key" is not limited to a character string, and various types of values can be regarded as keys. Object provides 'string-value'; map provides the 'value-value'; for the data structure of 'key-value pairs', Map is more appropriate than Object.

Compared with the traditional short message bank, the 5G message bank has the defects of single function, no interaction, poor real-time performance and the like. The 5G short message is used as an extension of the traditional short message, and provides interactive experience of multiple media forms such as texts, pictures, audios and videos, geographical positions, rich media cards and the like and rich. Compared with the mobile phone App, the 5G message has the greatest advantages that the mobile phone App can be used without installation and downloading, the information timeliness is high, the coverage of the user group is wider, and the customer acquisition cost is lower.

In this scheme, optionally, after the uplink message is converted into the message content in the preset format, the method further includes:

and sending the response information of the uplink message to the operator.

The operator is an operator for using the mobile phone card by the terminal, such as mobile, internet and telecommunication. After receiving and converting the uplink message, the gateway cluster may send a response message to the operator to notify the operator that the uplink message has been normally received.

S130, analyzing the message content with the preset format through the message cluster, and determining the message type.

The message cluster analyzes the message content in the preset format, for example, the message content is analyzed into Map format data, and then the message type of the uplink message can be determined.

In this scheme, optionally, determining, by the message cluster, a transaction code mapped by the message type according to a preset mapping relationship, and sending the transaction code to the transaction cluster based on the transaction code, so that the transaction cluster performs transaction processing, including:

The transaction code may be one-to-one corresponding to the message type, and the transaction code may be determined after the message type is determined. In one case, the service needs to be performed by the intelligent service robot, the transaction code may not be included. If the transaction code is identified as the non-transaction code, the analysis result of the message content can be directly sent to the intelligent customer service robot. And for other situations, determining a target transaction request according to the transaction code of the message, and sending the target transaction request to the back-end service platform for transaction processing.

S140, determining the transaction code mapped by the message type through the message cluster according to a preset mapping relation, and sending the transaction code to the transaction cluster based on the transaction code so as to enable the transaction cluster to perform transaction processing.

After the analysis is completed, receiving an uplink message of the gateway cluster, judging message types such as texts, buttons, rich media and the like, acquiring different transaction codes according to the message types, and correspondingly requesting different transactions of the transaction cluster, such as financial and non-financial transactions such as account change notification, balance inquiry, intelligent customer service transactions and the like. And finally, acquiring a transaction cluster response state, wherein the transaction cluster response state comprises the types of no return, demand for requesting the transaction cluster again, direct data queuing and the like.

The transaction cluster mainly receives a corresponding transaction request of the message cluster, calls the cooperative system to complete the corresponding transaction request, and returns corresponding data to the message cluster, and the technical framework uses a P1 framework to independently open each transaction, so that the isolation and independence of different service transactions are ensured, a complex service scene is decoupled, and a service flow is simpler and clearer.

In this scheme, optionally, the transaction processing for the transaction cluster includes:

The target transaction request may be determined by a transaction cluster, and may represent a specific request of the transaction, for example, 200 yuan is transferred to a certain bank card, and the transaction request may be sent to the back-end service platform, so that the back-end service platform calls a server associated with the bank card, completes the transaction, and obtains the transaction return data.

In the technical scheme provided by this embodiment, whether an uplink message sent by a terminal is an encrypted message is identified by the gateway cluster receiving terminal; wherein, the uplink message is a 5G message; if the message is an encrypted message, performing decryption processing through the gateway cluster, and converting the uplink message into a message content in a preset format; analyzing the message content in the preset format through the message cluster, and determining the message type; and determining the transaction code mapped by the message type according to a preset mapping relation through the message cluster, and sending the transaction code to the transaction cluster based on the transaction code so as to enable the transaction cluster to perform transaction processing. By executing the technical scheme, the banking and non-banking services can be provided for the user through the 5G message, so that the purposes of improving the processing speed of the message and increasing the processing mode of the message to facilitate the use of the user are achieved.

In this embodiment, optionally, after obtaining the transaction return data through the transaction cluster, the method further includes:

Wherein, the tail configuration information can be promotion information for product promotion. For example, a new product may be marketed and used for promotion. In the scheme, the tail pasting configuration information can be determined according to the user image, and the tail pasting configuration information actually required by the user is provided, so that the conversion efficiency of the tail pasting configuration information is improved.

Example two

The present embodiment provides a scheme for returning transaction return data to the terminal on the basis of the above-described embodiments. The arrangement of the embodiment is suitable for some scenes that the message must be returned to the terminal. Fig. 2 is a flowchart of a banking processing method based on 5G messages according to a second embodiment of the present application, and as shown in fig. 2, the method includes:

s210, identifying whether the uplink message is an encrypted message or not through the uplink message sent by the gateway cluster receiving terminal; wherein, the uplink message is a 5G message.

And S220, if the message is an encrypted message, decrypting the encrypted message through the gateway cluster, and converting the uplink message into a message content in a preset format.

S230, analyzing the message content with the preset format through the message cluster, and determining the message type.

S240, determining the transaction code mapped by the message type through the message cluster according to a preset mapping relation, and sending the transaction code to the transaction cluster based on the transaction code so as to enable the transaction cluster to perform transaction processing.

S250, acquiring transaction return data through the transaction cluster; and inputting the transaction return data to a message queue through the message cluster.

The transaction return data acquired by the transaction cluster can be returned through the intelligent customer service robot or the back-end service platform, so that the transaction cluster can send the transaction return data to the message cluster after acquiring the transaction return data, and the message cluster is input into the message queue.

And S260, extracting transaction return data from the message queue through the message cluster, and assembling the return message according to the message template configuration information.

After a message enters the queue, the message may be consumed according to certain rules. In the scheme, each transaction return data can be respectively extracted and assembled according to the message template configuration information to obtain the return message.

In the scheme, the 5G message is customized through the message template, the template configuration information is bound mainly according to the message type code, the same message type can be customized by only providing specific data, and the message with the same template can be sent to the terminal, so that the 5G message is more personalized, customized and specialized.

In this scheme, optionally, the extracting transaction return data from the message queue by the message cluster, and assembling the return message according to the message template configuration information includes:

determining whether the template configuration information is a text template;

and if so, assembling the transaction return data into a text return message.

The message cluster can start a message processing thread when the system is started, and consume the transaction return data of the message queue after the transaction return data enters the message queue. The message cluster can acquire the configuration information of the template ID according to the message type code of the transaction return data, and acquire the specific template configuration information according to the template ID. And then judging the template type, if the template is a text type template, directly assembling a text type message template, and sending the return information to the gateway cluster. The method has the advantage that if the message template of the text type is detected, the message can be quickly encapsulated and issued, so that the message processing speed is improved.

In the foregoing solution, optionally, after determining whether the template configuration information is a text template, the method further includes:

If the template is not a text template, the dynamic configuration information of the template needs to be determined, whether the template is a dynamic picture template is determined, if the dynamic configuration information is null, the template is determined to be a static picture, and the static picture type message template is assembled. If dynamic configuration information is present, it can be determined to be a dynamic picture and a message template of the dynamic picture class is assembled.

According to the scheme, different message templates can be selected according to different scenes, and personalized, templated and specialized message services are provided.

In this scheme, optionally, the message queue is further configured to:

According to the scheme, a message queue is used for asynchronously sending the 5G message, the queue is initialized when the service is started (the queue is initialized according to the configuration parameters of a parameter library, the current parameter library is configured according to chatbotid, one chatbotid configures 5 queues and is configured according to 5 priorities of different service scene types), after the queue is initialized, the downlink message is sent to the corresponding queue according to the chatbotid and the priorities, and finally, the message data is taken out from the queue according to the chatbotid and the priorities to be subjected to subsequent processing. Thus, application coupling, asynchronous message processing, traffic peak clipping, and message communication are solved.

S270, formatting the assembled return message according to a preset operator message format through the gateway cluster, and sending the formatted return message to the terminal.

The gateway cluster is mainly responsible for receiving downlink message messages sent by the message cluster, assembling different terminal request messages according to different message types, such as texts, text with suspension buttons, single cards with suspension buttons, multiple cards and the like, and sending the messages to the terminals for display.

In this embodiment, optionally, the obtaining of the transaction return data by the transaction cluster includes:

Here, after the response code is determined, it is necessary to determine whether the terminal has already opened the 5G message according to the response code, and if so, the terminal may directly encapsulate the return message in the format of the 5G message.

In another possible embodiment, after determining whether the terminal turns on the 5G message according to the response code, the method further includes:

if not, sending the return message to a message cluster;

If not, the return message can be directly sent to the message cluster.

In addition, there is also a case where the terminal is an unsigned terminal, and in this case, the return message needs to be assembled into an unsigned message and sent to the message cluster.

Fig. 3 is a schematic diagram of an uplink message service logic of a gateway cluster provided in an embodiment of the present application, where as shown in fig. 3, the gateway cluster is mainly configured to interface with an operator and send a message to the message cluster, and the main operations include: the uplink (terminal- > gateway- > message) message flow is mainly responsible for receiving an uplink message sent by a terminal, decrypting the uplink message and analyzing the uplink message into a message which can be identified by a message cluster.

Fig. 4 is a schematic diagram of a downlink message service logic of a gateway cluster according to a second embodiment of the present application, and as shown in fig. 4, a downlink message flow (message- > gateway- > terminal) is mainly responsible for receiving a downlink message sent by the message cluster, assembling different terminal request messages according to different message types (such as text, text with a floating button, a single card with a floating button, multiple cards, and the like), and sending the assembled messages to a terminal for display.

In addition, the gateway cluster also provides a dynamic picture generation service, which is mainly used for business scenes (such as balance inquiry, sub-account inquiry and the like) with dynamically changed picture materials for different users.

The message cluster receives the uplink message from the gateway cluster, requests a transaction cluster through logic processing, and initiates related transaction; meanwhile, the downlink message template is customized in a personalized way, different message templates are customized according to different service scenes, and more personalized, modularized and specialized 5G message bank services are provided.

Fig. 5 is a schematic diagram of an uplink message service logic of a message cluster provided in the second embodiment of the present application, and as shown in fig. 5, an uplink message flow (gateway- > message- > transaction) receives an uplink message of the gateway cluster, determines message types such as a text, a button, rich media, and the like, obtains different transaction codes according to the message types, and correspondingly requests different transactions of the transaction cluster, such as financial and non-financial transactions, such as account change notification, balance inquiry, smart customer service transactions, and the like. And finally, acquiring a transaction cluster response state, wherein the transaction cluster response state comprises the types of no return, demand for requesting the transaction cluster again, direct data queuing and the like. And when the mode is 3, the message cluster requests the transaction cluster again according to the instruction, and the mode is other (except 2 and 3), and the message cluster returns data according to the transaction cluster to perform the conventional operation of queuing. 5G0009 is an instruction code for opening a 5G message, MTVO represents a downlink message data object, and the 5G message is not opened: the method indicates that the 5G message is not opened by the mobile phone number, the operation of the 5G message cannot be carried out, and the mobile phone is not signed: indicating that the mobile phone number is not signed by a short message bank and a mobile phone bank.

Fig. 6 is a schematic diagram of a downlink message service logic of a message cluster provided in the second embodiment of the present application, and as shown in fig. 6, in a downlink aspect (transaction- > message- > gateway) message flow, a service scenario includes a request for transaction cluster return, account change notification push, short message verification code sending, and the like, and the message cluster performs templated assembly on message data of three scenarios, and then sends the message data to a terminal through the gateway.

In addition, the message cluster is further configured to:

the message template customization mainly comprises the steps of binding template configuration information according to message type codes, customizing a set of messages of the same template only by providing specific data according to the same message type, and sending the messages to a terminal, so that the 5G messages are more personalized, customized and specialized.

The method comprises the steps of using a message queue to asynchronously send 5G messages, initializing the queue when the service is started (initializing the queue according to configuration parameters of a parameter library, configuring the current parameter library according to chatbotid, configuring 5 queues by one chatbotid, and configuring 5 priorities according to different service scene types), after the queue is initialized, sending downlink messages to the corresponding queue according to the chatbotid and the priorities, and finally taking out message data from the queue according to the chatbotid and the priorities to perform subsequent processing. Thus, application coupling, asynchronous message processing, traffic peak clipping, and message communication are solved.

Fig. 7 is a schematic view of a service logic of a transaction cluster provided in the second embodiment of the present application, and as shown in fig. 7, the transaction cluster mainly receives a transaction request corresponding to a message cluster, calls a coordination system to complete the corresponding transaction request, and returns corresponding data to the message cluster, and a technical framework uses a P1 framework to independently open each transaction, thereby ensuring isolation and independence of different service transactions, decoupling a complex service scenario, and making a service flow simpler and clearer.

EXAMPLE III

On the basis of the above embodiments, the embodiment also provides an overall architecture of a 5G message banking system. Fig. 8 is a schematic diagram of an overall architecture of a 5G message banking system provided in the third embodiment of the present application. As shown in fig. 8, a 5G message bank generally includes a 5G message service system, a 5G message operation center, and a 5G desilting development platform;

the 5G message bank service system comprises: the module is a core component of a 5G message bank and comprises a gateway cluster, a message cluster, and transaction-related front-end display service and CHATBOT service.

5G message bank operation center: and a parameter configuration interface is provided, so that an implementer can conveniently carry out operation and maintenance services such as message template making, tail-attached configuration instruction configuration, message routing configuration, intelligent robot knowledge base configuration, data bulletin board, transaction monitoring and the like on the platform.

5G message bank development platform: and developing a 5G message application SDK, and constructing a UI component library and a subject library. And supports such as development of SDK and H5 component libraries, testing, online deployment implementation process and the like are provided for an implementer, and the implementer is convenient to develop and implement.

In this embodiment, a 5G message bank may provide a financial and non-financial integrated service platform under multiple scenarios, and the following provides two typical scenarios of "message push" and "financial service" in the 5G message bank.

The method comprises the following steps of (I) 5G bank message pushing scene;

the message push service is a service type that a 5G message bank actively pushes messages to users, and transactions are initiated from the 5G message bank and reach the customers through an operator.

The first step is as follows: customizing message service, selecting the message type to be customized, such as a deposit account change notification message, and customizing a 5G message push template;

the second step is that: the method comprises the steps that a customer buys and signs a product and then generates message flow;

the third step: packaging the reach message, acquiring the position information of the client and generating the information of the marketing activity so as to form mapping of elements such as 5G message tag tail content, links and the like;

the fourth step: and the 5G message service selects a corresponding template according to the configured message type, fills and assembles the template into a target multimedia format (including information such as main content, marketing postscript and the like), and sends the target multimedia format to an operator.

(II) customer financial transaction scenarios;

the financial transaction service is a form that a customer actively obtains financial service through a 5G message bank by sending characters, voice, pictures or clicking buttons, cards and the like, and the transaction is from the customer to an operator and then provides corresponding service for the customer after being processed by a 5G message bank platform.

The first step is as follows: receiving message, user selecting financial service through 5G message bank, pushing mobile phone number and message content to 5G message service, routing to corresponding processing module according to message content

The second step is that: and identity recognition, namely entering a message session after the identity of the client is recognized through the mobile phone number.

The third step: and (4) interactive input, namely completing the input of transaction elements through a reply message and a floating menu.

The fourth step: submitting the operation of the client, inquiring financial services such as balance details, bill lines, credit card repayment and the like, showing the financial services to the client in a rich multimedia mode by the front end and helping the client to complete the transaction, and simultaneously guiding H5 and APP in a message tail pasting mode and the like.

Safety principle: and for the transaction with higher security level, the client is required to input the ID card, the account number and the password for confirmation, the client is guided to the mobile phone client of the bank, the transaction is completed on H5, and when the user is guided to H5, the client information is transmitted to a guide channel and login-free processing is performed.

The scheme can provide banking and non-banking services for the user through the 5G message. The 5G message is focused on creating a development test platform, providing supports for an implementer to develop SDK (software development kit), H5 component libraries, test, online deployment implementation process and the like, and facilitating the development and implementation of the implementer. And a 5G message operation platform is created to support rich and convenient operation and maintenance operation. And a parameter configuration interface is provided, so that an implementer can conveniently carry out operation and maintenance services such as message template making, tail-attached configuration instruction configuration, message routing configuration, intelligent robot knowledge base configuration, data bulletin board, transaction monitoring and the like on the platform. And 5G messages are created to run the supporting platform. Operator gateways, universal queues, instruction containers, H5 containers, etc. are prepared for the platformized access. The docking technical middle station supports the agile development, deployment and online of the total sub-lines of 5G message application. User permission application, chatbot access, configuration maintenance of instruction routing, configuration of customer service knowledge base and H5 publication.

The 5G information bank platform realizes the full life cycle management processes of admission, development test, audit release, information push and product service in an all-around and three-dimensional way.

Example four

Fig. 9 is a schematic structural diagram of a banking processing device based on 5G messages according to a fourth embodiment of the present application. As shown in fig. 9, the banking processing device based on the 5G message includes:

an uplink message receiving module 910, configured to receive, by the gateway cluster, an uplink message sent by a terminal, and identify whether the uplink message is an encrypted message; wherein, the uplink message is a 5G message;

a format conversion module 920, configured to perform decryption processing through the gateway cluster if the message is an encrypted message, and convert the uplink message into a message content in a preset format;

a message type determining module 930, configured to parse the message content in the preset format through the message cluster, and determine a message type;

and a transaction processing module 940, configured to determine, by the message cluster, a transaction code mapped by the message type according to a preset mapping relationship, and send the transaction code to the transaction cluster based on the transaction code, so that the transaction cluster performs transaction processing.

The product can execute the method provided by the embodiment of the application, and has the corresponding functional modules and beneficial effects of the execution method.

EXAMPLE five

A fifth embodiment of the present application further provides a storage medium containing computer-executable instructions, which when executed by a computer processor, are configured to perform a banking processing method based on 5G messages, where the method includes:

Storage media refers to any of various types of memory electronics or storage electronics. The term "storage medium" is intended to include: mounting media such as CD-ROM, floppy disk, or tape devices; computer system memory or random access memory such as DRAM, DDR RAM, SRAM, EDO RAM, Lanbas (Rambus) RAM, etc.; non-volatile memory such as flash memory, magnetic media (e.g., hard disk or optical storage); registers or other similar types of memory elements, etc. The storage medium may also include other types of memory or combinations thereof. In addition, the storage medium may be located in the computer system in which the program is executed, or may be located in a different second computer system connected to the computer system through a network (such as the internet). The second computer system may provide the program instructions to the computer for execution. The term "storage medium" may include two or more storage media that may reside in different unknowns (e.g., in different computer systems connected by a network). The storage medium may store program instructions (e.g., embodied as a computer program) that are executable by one or more processors.

Of course, the storage medium containing the computer-executable instructions provided in the embodiments of the present application is not limited to the banking operation based on the 5G message described above, and may also perform related operations in the banking method based on the 5G message provided in any embodiments of the present application.

EXAMPLE six

An embodiment of the present invention provides an electronic device, where the banking processing apparatus based on 5G messages provided in the embodiment of the present application may be integrated in the electronic device, and the electronic device may be configured in a system, or may be a device that performs part or all of functions in the system. Fig. 10 is a schematic structural diagram of an electronic device according to a fifth embodiment of the present application. As shown in fig. 10, the present embodiment provides an electronic apparatus 1000, which includes: one or more processors 1020; the storage 1010 is configured to store one or more programs, and when the one or more programs are executed by the one or more processors 1020, the one or more processors 1020 implement the banking business processing method based on 5G messages according to the embodiment of the present application, where the method includes:

Of course, those skilled in the art can understand that the processor 1020 also implements the technical solution of the banking processing method based on 5G message provided in any embodiment of the present application.

The electronic device 1000 shown in fig. 10 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present application.

As shown in fig. 10, the electronic device 1000 includes a processor 1020, a storage 1010, an input 1030, and an output 1040; the number of the processors 1020 in the electronic device may be one or more, and one processor 1020 is taken as an example in fig. 10; the processor 1020, the storage 1010, the input 1030, and the output 1040 in the electronic apparatus may be connected by a bus or other means, and fig. 10 illustrates an example in which the processor, the storage 1010, the input 1030, and the output are connected by a bus 1050.

The storage 1010 is a computer-readable storage medium, and can be used to store software programs, computer-executable programs, and module units, such as program instructions corresponding to the banking processing method based on 5G message in this embodiment of the present application.

The storage 1010 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created according to the use of the terminal, and the like. Further, the storage 1010 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, the storage 1010 may further include memory located remotely from the processor 1020, which may be connected via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The input device 1030 may be used to receive input numbers, character information, or voice information, and to generate key signal inputs related to user settings and function control of the electronic apparatus. Output device 1040 may include a display screen, speakers, or other electronic device.

The electronic equipment provided by the embodiment of the application can provide banking and non-banking services for the user through the 5G message.

The banking business processing device, the banking business processing medium and the banking business processing electronic device based on the 5G message, which are provided by the embodiments, can execute the banking business processing method based on the 5G message, which is provided by any embodiment of the application, and have corresponding functional modules and beneficial effects for executing the method. Technical details that are not described in detail in the above embodiments may be referred to a banking processing method based on 5G message provided in any embodiments of the present application.

It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present application and the technical principles employed. It will be understood by those skilled in the art that the present application is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the application. Therefore, although the present application has been described in more detail with reference to the above embodiments, the present application is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present application, and the scope of the present application is determined by the scope of the appended claims.

Claims

1. A banking business processing method based on 5G messages, wherein the method is performed by a 5G message banking system, the 5G message banking system includes a gateway cluster, a message cluster, and a transaction cluster, and the method includes:

2. The method of claim 1, wherein determining, by the message cluster, a transaction code mapped to the message type according to a preset mapping relationship, and sending the transaction code to the transaction cluster based on the transaction code for the transaction cluster to perform transaction processing, comprises:

3. The method of claim 1, wherein after converting the uplink message into the message content in the preset format, the method further comprises:

and sending the response information of the uplink message to the operator.

4. The method according to claim 1, wherein the message content in the preset format is message content in an xml format;

5. The method of claim 1, wherein providing for transaction processing by the transaction cluster comprises:

6. The method of claim 1, wherein after being provided for transaction processing by the transaction cluster, the method further comprises:

7. The method of claim 6, wherein extracting transaction return data from the message queue via the message cluster and assembling return messages according to message template configuration information comprises:

determining whether the template configuration information is a text template;

and if so, assembling the transaction return data into a text return message.

8. The method of claim 7, wherein after determining whether the template configuration information is a text-class template, the method further comprises:

9. The method of claim 7, wherein the message queue is further configured to:

10. The method of claim 7, wherein obtaining transaction return data by the transaction cluster comprises:

11. The method according to claim 10, wherein after determining whether the terminal turns on the 5G message according to the response code, the method further comprises:

if not, sending the return message to a message cluster;

12. The method of claim 1, wherein after obtaining transaction return data by the transaction cluster, the method further comprises:

13. A banking transaction processing device based on 5G messages, wherein the device is configured in a 5G message banking system, the 5G message banking system includes a gateway cluster, a message cluster and a transaction cluster, the device includes:

14. A computer-readable storage medium, on which a computer program is stored, the program, when being executed by a processor, implementing a banking method based on 5G messages according to one of claims 1 to 12.

15. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the banking method based on 5G messages according to any one of claims 1 to 12 when executing the computer program.