CN113052575A - Bank note application method and device - Google Patents
Bank note application method and device Download PDFInfo
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- CN113052575A CN113052575A CN202110481155.1A CN202110481155A CN113052575A CN 113052575 A CN113052575 A CN 113052575A CN 202110481155 A CN202110481155 A CN 202110481155A CN 113052575 A CN113052575 A CN 113052575A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/045—Payment circuits using payment protocols involving tickets
- G06Q20/0457—Payment circuits using payment protocols involving tickets the tickets being sent electronically
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Abstract
The invention discloses a method and a device for applying a bank note, which relate to the technical field of 5G and comprise the following steps: receiving a request for applying a bank note initiated by a client; inquiring bank card information associated with the customer according to the customer identification, packaging the bank card information associated with the customer into 5G information and sending the 5G information to the customer; receiving the information of the money deduction card of the ticket returned by the client, packaging the face information of the client into 5G information, and sending the information to an internet identity authentication system to authenticate the identity of the client; after the identity authentication is passed, sending an application link of the bank note to the client in a 5G message form, generating an application code of the bank note according to application information filled in the application link of the bank note by the client, and sending the application code to the client; the method and the system receive the application code of the bank note returned by the client, deduct money from the note deduction card according to the application information filled in the application link of the bank note by the client, generate the electronic note and send the electronic note to the client.
Description
Technical Field
The invention relates to the technical field of fifth-generation mobile communication, in particular to a method and a device for applying a bank note.
Background
At present, when a customer applies for a bank note, the customer can only submit the application form of the note through an online bank and then confirm to handle the note in a counter. Because not all bank outlets can handle the application and the audit of the bank note, the client also needs to consult a counter of a local bank outlet, and the client cannot apply for the bank note through the counter when the client urgently needs to use the bank note in the abnormal working time of the bank, so that the application efficiency of the bank note is low, and the client experience is poor.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides an application method of a bank note, which is used for improving the application efficiency of the bank note and further improving the customer experience and comprises the following steps:
receiving a request for applying a bank note initiated by a client;
inquiring bank card information associated with the customer according to the customer identification, packaging the bank card information associated with the customer into 5G information and sending the 5G information to the customer;
receiving the information of the money deduction card of the ticket returned by the client, packaging the face information of the client into 5G information, and sending the information to an internet identity authentication system to authenticate the identity of the client;
after the identity authentication is passed, sending an application link of the bank note to the client in a 5G message form, generating a bank note application code according to application information filled in the application link of the bank note by the client, and packaging the bank note application code into a 5G message to be sent to the client;
and receiving a bank note application code returned by the client, and when the bank note application code returned by the client is consistent with the bank note application code sent to the client, deducting the money of the note deduction card according to the application information filled in the application link of the bank note by the client to generate an electronic note, and packaging the electronic note into 5G messages to be sent to the client.
The embodiment of the invention provides an application device of a bank note, which is used for improving the application efficiency of the bank note and further improving the customer experience, and comprises the following components:
the request receiving module is used for receiving a request for applying the bank note initiated by a client;
the bank card inquiry module is used for inquiring the bank card information associated with the client according to the client identification, packaging the bank card information associated with the client into a 5G message and sending the 5G message to the client;
the identity authentication module is used for receiving the information of the bill deduction card returned by the client, packaging the face information of the client into a 5G message and sending the 5G message to the internet identity authentication system to authenticate the identity of the client;
the system comprises a bill application code approval module, a bill verification module and a bill processing module, wherein the bill application code approval module is used for sending an application link of a bank bill to a client in a 5G message form after the identity authentication is passed, generating a bank bill application code according to application information filled in the application link of the bank bill by the client, and packaging the bank bill application code into a 5G message to be sent to the client;
and the electronic bill generating module is used for receiving the application code of the bank bill returned by the client, deducting the bill deducting card according to the application information filled in the application link of the bank bill by the client when the application code of the bank bill returned by the client is consistent with the application code of the bank bill sent to the client, generating the electronic bill, and packaging the electronic bill into 5G messages to be sent to the client.
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 application method of the bank note is realized when the processor executes the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores the application method for executing the bank note.
The embodiment of the invention comprises the following steps: receiving a request for applying a bank note initiated by a client; inquiring bank card information associated with the customer according to the customer identification, packaging the bank card information associated with the customer into 5G information and sending the 5G information to the customer; receiving the information of the money deduction card of the ticket returned by the client, packaging the face information of the client into 5G information, and sending the information to an internet identity authentication system to authenticate the identity of the client; after the identity authentication is passed, sending an application link of the bank note to the client in a 5G message form, generating a bank note application code according to application information filled in the application link of the bank note by the client, and packaging the bank note application code into a 5G message to be sent to the client; the method comprises the steps of receiving a bank note application code returned by a client, deducting a money deducting card of the bank note according to application information filled in an application link of the bank note by the client when the bank note application code returned by the client is consistent with the bank note application code sent to the client, generating the electronic note, packaging the electronic note into a 5G message and sending the 5G message to the client, and then sending the application link of the bank note and the bank note application code to the client through the 5G message, so that on-line handling of the whole process of the bank note application business is realized, the client does not need to go to a bank outlet for handling, the efficiency of applying the bank note is improved, and the client experience is further 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 schematic diagram of a flow of a method for applying for a bank note according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a backup process of a bank note application file in the embodiment of the present invention;
FIG. 3 is a schematic diagram illustrating a detailed process flow of step 105 in FIG. 1;
FIG. 4 is a diagram illustrating a structure of an apparatus for applying for a bank note according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of another structure of an apparatus for applying for a cashier's ticket according to an embodiment of the invention;
fig. 6 is a schematic diagram of a specific structure of the electronic ticket generating module in fig. 4.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, method or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
An embodiment of the present invention provides an application method of a bank note, which is used to improve application efficiency of the bank note, and further improve customer experience, where fig. 1 is a schematic diagram of a flow of the application method of the bank note in the embodiment of the present invention, and as shown in fig. 1, the method includes:
step 101: receiving a request for applying a bank note initiated by a client;
step 102: inquiring bank card information associated with the customer according to the customer identification, packaging the bank card information associated with the customer into 5G information and sending the 5G information to the customer;
step 103: receiving the information of the money deduction card of the ticket returned by the client, packaging the face information of the client into 5G information, and sending the information to an internet identity authentication system to authenticate the identity of the client;
step 104: after the identity authentication is passed, sending an application link of the bank note to the client in a 5G message form, generating a bank note application code according to application information filled in the application link of the bank note by the client, and packaging the bank note application code into a 5G message to be sent to the client;
step 105: and receiving a bank note application code returned by the client, and when the bank note application code returned by the client is consistent with the bank note application code sent to the client, deducting the money of the note deduction card according to the application information filled in the application link of the bank note by the client to generate an electronic note, and packaging the electronic note into 5G messages to be sent to the client.
As shown in fig. 1, an embodiment of the present invention is implemented by: receiving a request for applying a bank note initiated by a client; inquiring bank card information associated with the customer according to the customer identification, packaging the bank card information associated with the customer into 5G information and sending the 5G information to the customer; receiving the information of the money deduction card of the ticket returned by the client, packaging the face information of the client into 5G information, and sending the information to an internet identity authentication system to authenticate the identity of the client; after the identity authentication is passed, sending an application link of the bank note to the client in a 5G message form, generating a bank note application code according to application information filled in the application link of the bank note by the client, and packaging the bank note application code into a 5G message to be sent to the client; the method comprises the steps of receiving a bank note application code returned by a client, deducting a money deducting card of the bank note according to application information filled in an application link of the bank note by the client when the bank note application code returned by the client is consistent with the bank note application code sent to the client, generating the electronic note, packaging the electronic note into a 5G message and sending the 5G message to the client, and then sending the application link of the bank note and the bank note application code to the client through the 5G message, so that on-line handling of the whole process of the bank note application business is realized, the client does not need to go to a bank outlet for handling, the efficiency of applying the bank note is improved, and the client experience is further improved.
In the specific implementation, a client can firstly send a 5G message of login maintenance to a bank by using a bank reserved mobile phone number, the 5G message is internally provided with a login device fingerprint, then, the bank carries out wind control detection on the reserved mobile phone number and the fingerprint information of the client, after the wind control detection is passed, it is confirmed that the customer successfully logs in, in step 101, the application request of the bank note initiated by the customer can be received, the bank note is the note that the applicant deposits the money into the bank, the bank issues the promise of unconditionally paying the determined amount to the payee or the ticket holder when the bank sees the note, in step 102, the unique identification customer ID of the customer in the bank can be searched, inquiring the bank card information associated with the client according to the client ID, packaging the bank card information associated with the client into a 5G message and sending the 5G message to the client, after the customer selects the self-ticket deduction card, in step 103, the information of the self-ticket deduction card returned by the customer is received.
In one embodiment, before packaging the face information of the client into a 5G message and sending the message to the internet identity authentication system, the method further comprises:
performing living body detection on the client;
after the living body detection is passed, the face information of the client is packaged into 5G information and sent to an internet identity authentication system, and identity authentication is carried out on the client.
In step 103, after receiving the information of the money deduction card of the bank note returned by the client, firstly, performing living body detection on the client, after the living body detection is passed, shooting a face image of a current operator of the mobile phone, packaging the face image of the client into a 5G message, sending the 5G message to an internet identity authentication system, performing identity authentication on the client, and further ensuring the security of transaction of the application service of the bank note through the living body detection and the authentication of the internet identity authentication system.
In one embodiment, the application information filled in the application link of the bankbook ticket by the client at least comprises the following steps: the amount of the ticket, the collection account and the date of payment.
Fig. 2 is a schematic diagram of a process of backing up a file of a bank note application in an embodiment of the present invention, as shown in fig. 2, in an implementation, the method may further include:
step 201: generating a bank note application file according to application information filled in an application link of a bank note by a client;
step 202: packaging the application file of the bank note into a 5G message, sending the 5G message to a client, and receiving the application file of the bank note containing the electronic signature of the client;
step 203: and backing up the application file of the bank note containing the electronic signature of the customer.
In the specific implementation, in step 104, after the identity authentication is passed, an application link of the bank note may be sent to the client in the form of a 5G message, the client waits for the application information such as the amount of the bank note, the collection account, the payment date and the like to be filled in the application link of the bank note, then, according to the application information filled in the application link of the bank note by the client, a bank note application file is generated, the bank note application file is packaged as a 5G message and sent to the client, the bank note application file after the client receives the electronic signature is received, the bank note application file containing the client electronic signature is sent to the client operation record center for backup, and the validity period of the bank note application file is set, the validity period may be, for example, one month, and simultaneously, a bank note application code is generated according to the application information filled in the application link of the bank note by the client, and packaging the application code of the bank note into a 5G message and sending the 5G message to the client.
Fig. 3 is a schematic diagram of a specific process of step 105 in fig. 1, and as shown in fig. 3, in an embodiment, in step 105, deducting the money deduction card of the present ticket according to the application information filled in the application link of the present ticket by the customer, and generating the electronic present ticket may include:
step 301: deducting the money of the bill deduction card according to the bill amount filled in the application link of the bill of the bank by the client;
step 302: initiating an appointed transfer service to a collection account according to the collection account and the payment date which are filled in an application link of a bank note by a client;
step 303: after the appointed transfer business is initiated, an electronic book ticket with a bank signature is generated.
In the specific implementation, when receiving a bank note application code returned by a client, comparing the bank note application code returned by the client with a bank note application code sent to the client, when the bank note application code returned by the client is inconsistent with the bank note application code sent to the client, giving an error prompt, when the bank note application code returned by the client is consistent with the bank note application code sent to the client, deducting the money of the bank note deducting card according to application information filled in an application link of the bank note by the client to generate an electronic note, specifically, firstly, deducting the money of the bank note deducting card through a bank transaction management center according to the amount of the bank note filled in the application link of the bank note by the client, after the money deduction is completed, initiating an appointment transfer service to a collection account through a bank transfer management center according to a collection account and a payment date filled in the application link of the bank note by the client, after the appointed transfer business is successfully initiated, an electronic receipt is generated, a bank signature is arranged in the electronic receipt, the electronic receipt is packaged into a 5G message and is sent to a client, and the client can send the electronic receipt to a payee, so that the on-line handling of the whole process of the bank receipt application business is realized, the client does not need to go to a bank outlet to handle the bank in working time, the bank receipt application efficiency is improved, and the client experience is further improved.
It should be noted that while the operations of the method of the present invention are depicted in the drawings in a particular order, this does not require or imply that the operations must be performed in this particular order, or that all of the illustrated operations must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
Based on the same inventive concept, the embodiment of the invention also provides a device for applying the bank note, such as the following embodiments. Because the principle of solving the problems of the device for applying the bank note is similar to the method for applying the bank note, the implementation of the device can be referred to the implementation of the method, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
An embodiment of the present invention provides an application apparatus for a bank note, which is used to improve application efficiency of the bank note, and further improve customer experience, where fig. 4 is a schematic diagram of an application apparatus structure for the bank note in an embodiment of the present invention, and as shown in fig. 4, the apparatus includes:
the request receiving module 01 is used for receiving a request for applying the bank note initiated by a client;
the bank card inquiry module 02 is used for inquiring the bank card information associated with the customer according to the customer identification, packaging the bank card information associated with the customer into a 5G message and sending the 5G message to the customer;
the identity authentication module 03 is used for receiving the information of the money deduction card of the ticket returned by the client, packaging the face information of the client into 5G information and sending the information to the internet identity authentication system to authenticate the identity of the client;
the ticket application code approval module 04 is used for sending an application link of a bank ticket to a client in a 5G message form after the identity authentication is passed, generating a bank ticket application code according to application information filled in the application link of the bank ticket by the client, and packaging the bank ticket application code into a 5G message to be sent to the client;
and the electronic receipt generating module 05 is used for receiving the application code of the bank receipt returned by the client, and when the application code of the bank receipt returned by the client is consistent with the application code of the bank receipt sent to the client, deducting the money from the receipt deduction card according to the application information filled in the application link of the bank receipt by the client to generate the electronic receipt, and packaging the electronic receipt into a 5G message to be sent to the client.
In one embodiment, the identity authentication module 03 is further configured to:
before packaging the face information of the client into a 5G message and sending the message to an internet identity authentication system, carrying out living body detection on the client;
after the living body detection is passed, the face information of the client is packaged into 5G information and sent to an internet identity authentication system, and identity authentication is carried out on the client.
Fig. 5 is a schematic view of another structure of an apparatus for applying for a bankbook ticket according to an embodiment of the present invention, and as shown in fig. 5, the apparatus may further include: a backup module 06 for:
generating a bank note application file according to application information filled in an application link of a bank note by a client;
packaging the application file of the bank note into a 5G message, sending the 5G message to a client, and receiving the application file of the bank note containing the electronic signature of the client;
and caching the application file of the bank note containing the electronic signature of the customer.
In one embodiment, the application information filled in the application link of the bankbook ticket by the client at least comprises the following steps: the amount of the ticket, the collection account and the payment date;
fig. 6 is a schematic diagram of a specific structure of the electronic ticket generating module in fig. 4, and as shown in fig. 6, the electronic ticket generating module 05 includes:
the deduction unit 051 is used for deducting money of the bill deduction card according to the bill amount filled in the application link of the bill of the bank by the customer;
a promissory transfer unit 052 for initiating promissory transfer service to the collection account according to the collection account and payment date filled in the application link of the bank note by the customer;
and the electronic book ticket generating unit 053 is used for generating the electronic book ticket with the bank signature after the appointed transfer service is initiated.
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 application method of the bank note is realized when the processor executes the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores the application method for executing the bank note.
The following is a specific example to facilitate an understanding of how the invention may be practiced.
The first step is as follows: the customer uses the reserved mobile phone number of the bank to send a 5G message of the login maintenance to the bank, the 5G message is internally attached with a login device fingerprint, the bank carries out wind control detection on the reserved mobile phone number and the fingerprint information of the customer, the successful login of the customer is confirmed after the wind control detection is passed, and the flow is ended when the wind control detection is not passed;
the second step is that: receiving a request for applying a bank note from a client, searching a unique identification client ID of the client in a bank, and sending the client ID to a bank card list query module;
the third step: starting a reinforced authentication module, carrying out living body detection on a client, shooting a face image of a current operator of the mobile phone after the living body detection is passed, packaging the face image of the client into a 5G message, sending the 5G message to an internet identity authentication system, and carrying out identity authentication on the client;
the fourth step: after the identity authentication is passed, inquiring all bank card information associated with the client through a bank card list inquiry module, packaging the bank card information associated with the client into 5G information, sending the 5G information to the client, and receiving the information of a bill deduction card C returned by the client after the client selects the bill deduction card;
the fourth step: sending an application link of a bank note to a client in a 5G message mode, filling application information such as the amount of the note, a collection account, payment date and the like in the application link of the bank note according to the client, generating a bank note application file, packaging the bank note application file into a 5G message, sending the 5G message to the client, receiving the bank note application file after the electronic signature of the client, sending the bank note application file containing the electronic signature of the client to a client operation recording center for backup, simultaneously generating a bank note application code according to the application information filled in the application link of the bank note by the client, packaging the bank note application code into a 5G message, and sending the 5G message to the client;
the fifth step: receiving a bank note application code returned by a client, executing a process of generating an electronic note when the bank note application code returned by the client is consistent with the bank note application code sent to the client, firstly, carrying out deduction on a note deduction card C through a bank transaction management center according to the note amount filled in an application link of the bank note by the client, and initiating an appointed transfer service to a collection account through a bank transfer management center according to a collection account and a payment date filled in the application link of the bank note by the client after the deduction is finished;
and a sixth step: after the appointed transfer service is successfully initiated, an electronic receipt with a bank signature is generated, the electronic receipt is packaged into a 5G message and is sent to a client, and the client can send the electronic receipt to a payee.
In summary, the embodiment of the present invention provides: receiving a request for applying a bank note initiated by a client; inquiring bank card information associated with the customer according to the customer identification, packaging the bank card information associated with the customer into 5G information and sending the 5G information to the customer; receiving the information of the money deduction card of the ticket returned by the client, packaging the face information of the client into 5G information, and sending the information to an internet identity authentication system to authenticate the identity of the client; after the identity authentication is passed, sending an application link of the bank note to the client in a 5G message form, generating a bank note application code according to application information filled in the application link of the bank note by the client, and packaging the bank note application code into a 5G message to be sent to the client; the method comprises the steps of receiving a bank note application code returned by a client, deducting a money deducting card of the bank note according to application information filled in an application link of the bank note by the client when the bank note application code returned by the client is consistent with the bank note application code sent to the client, generating the electronic note, packaging the electronic note into a 5G message and sending the 5G message to the client, and then sending the application link of the bank note and the bank note application code to the client through the 5G message, so that on-line handling of the whole process of the bank note application business is realized, the client does not need to go to a bank outlet for handling, the efficiency of applying the bank note is improved, and the client experience is further improved.
Although the present invention provides method steps as described in the examples or flowcharts, more or fewer steps may be included based on routine or non-inventive labor. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When an actual apparatus or client product executes, it may execute sequentially or in parallel (e.g., in the context of parallel processors or multi-threaded processing) according to the embodiments or methods shown in the figures.
As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, apparatus (system) or computer program product. Accordingly, embodiments of the present description 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 embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment. In this document, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. The terms "upper", "lower", and the like, indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings, and are only for convenience in describing the present invention and simplifying the description, but do not indicate or imply that the referred devices or elements must have a specific orientation, be constructed and operated in a specific orientation, and thus, should not be construed as limiting the present invention. Unless expressly stated or limited otherwise, the terms "mounted," "connected," and "connected" are intended to be inclusive and mean, for example, that they may be fixedly connected, detachably connected, or integrally connected; can be mechanically or electrically connected; they may be connected directly or indirectly through intervening media, or they may be interconnected between two elements. The specific meanings of the above terms in the present invention can be understood by those skilled in the art according to specific situations. It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. The present invention is not limited to any single aspect, nor is it limited to any single embodiment, nor is it limited to any combination and/or permutation of these aspects and/or embodiments. Moreover, each aspect and/or embodiment of the present invention may be utilized alone or in combination with one or more other aspects and/or embodiments thereof.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.
Claims (10)
1. A method for applying for a bank note is characterized by comprising the following steps:
receiving a request for applying a bank note initiated by a client;
inquiring bank card information associated with the customer according to the customer identification, packaging the bank card information associated with the customer into 5G information and sending the 5G information to the customer;
receiving the information of the money deduction card of the ticket returned by the client, packaging the face information of the client into 5G information, and sending the information to an internet identity authentication system to authenticate the identity of the client;
after the identity authentication is passed, sending an application link of the bank note to the client in a 5G message form, generating a bank note application code according to application information filled in the application link of the bank note by the client, and packaging the bank note application code into a 5G message to be sent to the client;
and receiving a bank note application code returned by the client, and when the bank note application code returned by the client is consistent with the bank note application code sent to the client, deducting the money of the note deduction card according to the application information filled in the application link of the bank note by the client to generate an electronic note, and packaging the electronic note into 5G messages to be sent to the client.
2. The method as claimed in claim 1, wherein the application information filled in the application link of the bankbook ticket by the client at least comprises: the amount of the ticket, the collection account and the payment date;
according to the application information filled in the application link of the bank note by the customer, the money deduction card of the note is deducted to generate the electronic note, which comprises the following steps:
deducting the money of the bill deduction card according to the bill amount filled in the application link of the bill of the bank by the client;
initiating an appointed transfer service to a collection account according to the collection account and the payment date which are filled in an application link of a bank note by a client;
after the appointed transfer business is initiated, an electronic book ticket with a bank signature is generated.
3. The method of claim 2, further comprising:
generating a bank note application file according to application information filled in an application link of a bank note by a client;
packaging the application file of the bank note into a 5G message, sending the 5G message to a client, and receiving the application file of the bank note containing the electronic signature of the client;
and backing up the application file of the bank note containing the electronic signature of the customer.
4. The method of claim 1, wherein before encapsulating the face information of the client into a 5G message and sending the message to the internet authentication system, the method further comprises:
performing living body detection on the client;
after the living body detection is passed, the face information of the client is packaged into 5G information and sent to an internet identity authentication system, and identity authentication is carried out on the client.
5. An apparatus for applying for a receipt of a bank, comprising:
the request receiving module is used for receiving a request for applying the bank note initiated by a client;
the bank card inquiry module is used for inquiring the bank card information associated with the client according to the client identification, packaging the bank card information associated with the client into a 5G message and sending the 5G message to the client;
the identity authentication module is used for receiving the information of the bill deduction card returned by the client, packaging the face information of the client into a 5G message and sending the 5G message to the internet identity authentication system to authenticate the identity of the client;
the system comprises a bill application code approval module, a bill verification module and a bill processing module, wherein the bill application code approval module is used for sending an application link of a bank bill to a client in a 5G message form after the identity authentication is passed, generating a bank bill application code according to application information filled in the application link of the bank bill by the client, and packaging the bank bill application code into a 5G message to be sent to the client;
and the electronic bill generating module is used for receiving the application code of the bank bill returned by the client, deducting the bill deducting card according to the application information filled in the application link of the bank bill by the client when the application code of the bank bill returned by the client is consistent with the application code of the bank bill sent to the client, generating the electronic bill, and packaging the electronic bill into 5G messages to be sent to the client.
6. The apparatus as claimed in claim 5, wherein the application information filled in the application link of the bankbook ticket by the client at least comprises: the amount of the ticket, the collection account and the payment date;
the electronic ticket generating module comprises:
the money deduction unit is used for deducting money of the bill deduction card according to the bill amount filled in the application link of the bank bill by the customer;
the appointed transfer unit is used for initiating an appointed transfer service to a collection account according to the collection account and the payment date which are filled in the application link of the bank note by a customer;
and the electronic book ticket generating unit is used for generating the electronic book ticket with the bank signature after the appointed transfer service is initiated.
7. The apparatus of claim 6, further comprising: a backup module to:
generating a bank note application file according to application information filled in an application link of a bank note by a client;
packaging the application file of the bank note into a 5G message, sending the 5G message to a client, and receiving the application file of the bank note containing the electronic signature of the client;
and caching the application file of the bank note containing the electronic signature of the customer.
8. The apparatus of claim 5, wherein the identity authentication module is further to:
before packaging the face information of the client into a 5G message and sending the message to an internet identity authentication system, carrying out living body detection on the client;
after the living body detection is passed, the face information of the client is packaged into 5G information and sent to an internet identity authentication system, and identity authentication is carried out on the client.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110481155.1A CN113052575A (en) | 2021-04-30 | 2021-04-30 | Bank note application method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110481155.1A CN113052575A (en) | 2021-04-30 | 2021-04-30 | Bank note application method and device |
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| Publication Number | Publication Date |
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| CN113052575A true CN113052575A (en) | 2021-06-29 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202110481155.1A Pending CN113052575A (en) | 2021-04-30 | 2021-04-30 | Bank note application method and device |
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| CN (1) | CN113052575A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114071382A (en) * | 2021-11-16 | 2022-02-18 | 中国银行股份有限公司 | Message sending method and device |
| CN114449520A (en) * | 2022-03-18 | 2022-05-06 | 中国工商银行股份有限公司 | Remote acquisition method and device for bank flow |
-
2021
- 2021-04-30 CN CN202110481155.1A patent/CN113052575A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114071382A (en) * | 2021-11-16 | 2022-02-18 | 中国银行股份有限公司 | Message sending method and device |
| CN114449520A (en) * | 2022-03-18 | 2022-05-06 | 中国工商银行股份有限公司 | Remote acquisition method and device for bank flow |
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