CN113052580A - Method, system and terminal for processing payment by agency based on 5G message and biological recognition - Google Patents

Method, system and terminal for processing payment by agency based on 5G message and biological recognition Download PDF

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CN113052580A
CN113052580A CN202110480924.6A CN202110480924A CN113052580A CN 113052580 A CN113052580 A CN 113052580A CN 202110480924 A CN202110480924 A CN 202110480924A CN 113052580 A CN113052580 A CN 113052580A
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payment
user
message
account
bank
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刘娟
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Bank of China Ltd
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Bank of China Ltd
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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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • 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
    • G06Q20/102—Bill distribution or payments
    • 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
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • 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

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Abstract

The invention discloses a method, a system and terminals for processing a payment by agency based on 5G information and biological recognition, relating to the technical field of mobile interconnection, wherein the method comprises the following steps: receiving a payment generation request in a 5G message of a payment generation initiating client and sending the payment generation request through a 5G network; receiving a payment confirmation instruction input by a payment user according to a checking result of the face image information and the bill information by using the 5G message of the payment client; detecting whether a payment account of a payment-substituting user exists at the payment-substituting client, if the payment account of the payment-substituting user exists, acquiring biological characteristic information of the payment-substituting user, and sending the biological characteristic information, a mobile phone number, a name, a bank card number and bill information to a bank terminal; and the bank terminal compares the biological characteristics, if the biological characteristics are consistent, whether the operation is the operation of the user is determined according to the mobile phone number, the name and the bank card number, and if the operation is the operation of transferring the bill amount in the payment account of the transfer payment user to the collection account. The payment agent can realize efficient and safe payment agent processing based on 5G information without downloading bank or electronic mall APP registration login.

Description

Method, system and terminal for processing payment by agency based on 5G message and biological recognition
Technical Field
The invention relates to the technical field of mobile interconnection, in particular to a method, a system and terminals for processing payment by agency based on 5G information and biological identification.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, various shopping APPs have a lot of scenes of paying instead of paying, all need to be accomplished in the inside of APP such as bank APP or payment treasured, little letter, need both sides all to download bank APP or payment treasured, little letter etc. electronic shopping mall APP, and is more loaded down with trivial details.
Disclosure of Invention
The embodiment of the invention provides a method for processing a payment for an agency based on 5G information and biological identification, which is used for efficiently and safely carrying out payment for an agency, and comprises the following steps:
receiving a 5G message payment-instead request input by a user in a 5G message of a payment-instead initiating client; sending the 5G message payment-substituting request through a 5G network; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid;
receiving a 5G message payment-for-delivery request in a 5G message of a payment-for-delivery client; receiving a payment confirmation instruction input by a payment-withholding user according to a checking result of the face image information and the bill information to be paid; when a payment confirmation instruction is received, detecting whether a payment account of a payment user exists at a payment client side, if so, acquiring biological characteristic information of the payment user, and sending the biological characteristic information of the payment user, the mobile phone number and the name of an SIM card, the bank card number of the payment account of the payment user and bill information to be paid to a bank side of a bank to which the bank card belongs;
and the bank terminal of the bank to which the bank card belongs compares the sent biological characteristic information of the payment-substituting user with the locally stored biological characteristic information of the payment-substituting user, if the comparison is consistent, whether the operation is carried out by the payment-substituting user according to the mobile phone number and the name of the SIM card and the bank card number of the payment account of the payment-substituting user is confirmed, if the operation is carried out, the bill amount in the payment account of the payment-substituting user is transferred to a bill collection account to complete the payment-substituting, and a payment result and a payment-substituting result are obtained.
The embodiment of the invention also provides a method for processing the payment for the next generation based on the 5G message and the biological identification, which is used for efficiently and safely carrying out the payment for the next generation, and comprises the following steps:
receiving a 5G message payment withholding request input by a user in a 5G message; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid;
and sending the 5G message payment-substituting request through a 5G network.
The embodiment of the invention also provides a method for processing the payment for the next generation based on the 5G message and the biological identification, which is used for efficiently and safely carrying out the payment for the next generation, and comprises the following steps:
receiving a 5G message payment-for-delivery request in a 5G message; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid;
receiving a payment confirmation instruction input by a payment-withholding user according to a checking result of the face image information and the bill information to be paid;
when a payment confirmation instruction is received, detecting whether a payment account of a payment client exists or not;
if yes, acquiring the biological characteristic information of the payment-for-use user;
and sending the biological characteristic information of the payment-substituting user, the mobile phone number and the name of the SIM card, the bank card number of the payment account of the payment-substituting user and the bill information to be paid to a bank terminal of a bank to which the bank card belongs.
The embodiment of the invention also provides a method for processing the payment for the next generation based on the 5G message and the biological identification, which is used for efficiently and safely carrying out the payment for the next generation, and comprises the following steps:
receiving biological characteristic information of a payment agent, a mobile phone number and a name of an SIM card, a bank card number of a payment account of the payment agent and bill information to be paid;
comparing the sent biological characteristic information of the payment-taking-place user with the locally stored biological characteristic information of the payment-taking-place user;
if the comparison is consistent, determining whether the operation is carried out by the user of the payment agent according to the mobile phone number and the name of the SIM card and the bank card number of the payment account of the user of the payment agent;
if so, transferring the bill amount in the payment account of the transfer user to the bill collection account to complete the transfer, and obtaining a payment result and a transfer result.
The embodiment of the invention also provides a substitute payment processing system based on 5G message and biological identification, which is used for carrying out substitute payment processing efficiently and safely, and comprises:
the payment-for-delivery initiating client is used for receiving a 5G message payment-for-delivery request input by a user in a 5G message; sending the 5G message payment-substituting request through a 5G network; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid;
the payment-substituting client is used for receiving a 5G message payment-substituting request in a 5G message; receiving a payment confirmation instruction input by a payment-withholding user according to a checking result of the face image information and the bill information to be paid; when a payment confirmation instruction is received, detecting whether a payment account of a payment user exists at a payment client side, if so, acquiring biological characteristic information of the payment user, and sending the biological characteristic information of the payment user, the mobile phone number and the name of an SIM card, the bank card number of the payment account of the payment user and bill information to be paid to a bank side of a bank to which the bank card belongs;
and the bank terminal is used for comparing the sent biological characteristic information of the payment-substituting user with the locally stored biological characteristic information of the payment-substituting user, if the comparison is consistent, determining whether the operation is carried out by the payment-substituting user according to the mobile phone number and the name of the SIM card and the bank card number of the payment account of the payment-substituting user, and if the comparison is consistent, transferring the bill amount in the payment account of the payment-substituting user to a bill collection account to finish the payment substitution so as to obtain a payment result and a payment-substituting result.
The embodiment of the invention also provides a surcharge processing surcharge initiating client based on 5G information and biological identification, which is used for carrying out surcharge processing efficiently and safely, and comprises:
the first receiving unit is used for receiving a 5G message payment-by-delivery request input by a user in a 5G message; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid;
and the first sending unit is used for sending the 5G message payment-for-replacement request through a 5G network.
The embodiment of the invention also provides a proxy payment processing proxy payment client based on 5G message and biological identification, which is used for carrying out proxy payment processing efficiently and safely, and comprises:
a second receiving unit that receives the 5G message payment-by-proxy request in the 5G message; receiving a payment confirmation instruction input by a payment-withholding user according to a checking result of the face image information and the bill information to be paid; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid;
the detection unit is used for detecting whether the payment client side has a payment account of the payment client side or not when receiving the payment confirmation instruction;
the biometric information acquisition unit is used for acquiring biometric information of the payment-for-proxy user when detecting that the payment-for-proxy user exists in the payment-for-proxy client;
and the second sending unit is used for sending the biological characteristic information of the payment-substituting user, the mobile phone number and the name of the SIM card, the bank card number of the payment account of the payment-substituting user and the bill information to be paid to a bank terminal of a bank to which the bank card belongs.
The embodiment of the invention also provides a substitute payment processing bank terminal based on 5G information and biological identification, which is used for carrying out substitute payment processing efficiently and safely, and comprises:
the third receiving unit is used for receiving the biological characteristic information of the payment-taking user, the mobile phone number and the name of the SIM card, the bank card number of the payment account of the payment-taking user and the bill information to be paid;
the comparison unit is used for comparing the sent biological characteristic information of the paying-for-agent user with the locally stored biological characteristic information of the paying-for-agent user;
the operation determining unit is used for determining whether the operation of the user is carried out according to the mobile phone number, the name and the bank card number of the payment account of the payment user of the SIM card when the sent biological characteristic information of the payment user is consistent with the locally stored biological characteristic information of the payment user;
and the payment withholding processing unit is used for transferring the bill amount in the payment account of the payment withholding user to the bill collection account to complete payment withholding when the operation of the user is confirmed to be the operation of the user, and obtaining a payment result and a payment withholding result.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the surrogates payment processing method based on the 5G message and the biological identification when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above-mentioned proxy payment processing method based on 5G message and biometric identification is stored in the computer-readable storage medium.
In the embodiment of the invention, compared with the technical scheme that in the prior art, the payment-for-delivery processing scheme based on 5G message and biological identification needs both the payment-for-delivery initiator and the payment-for-delivery initiator to download bank APP or electronic shopping mall APP such as Paibao and WeChat, and the payment-for-delivery processing is carried out after registration and login, and the whole process is very complicated, the invention has the advantages that: receiving a 5G message payment-instead request input by a user in a 5G message of a payment-instead initiating client; sending the 5G message payment-substituting request through a 5G network; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid; receiving a 5G message payment-for-delivery request in a 5G message of a payment-for-delivery client; receiving a payment confirmation instruction input by a payment-withholding user according to a checking result of the face image information and the bill information to be paid; when a payment confirmation instruction is received, detecting whether a payment account of a payment user exists at a payment client side, if so, acquiring biological characteristic information of the payment user, and sending the biological characteristic information of the payment user, the mobile phone number and the name of an SIM card, the bank card number of the payment account of the payment user and bill information to be paid to a bank side of a bank to which the bank card belongs; the bank end of the bank to which the bank card belongs compares the sent biological characteristic information of the payment-substituting user with the locally stored biological characteristic information of the payment-substituting user, if the comparison is consistent, whether the operation is carried out by the payment-substituting user is determined according to the mobile phone number, the name and the bank card number of the payment account of the payment-substituting user of the SIM card, if the operation is carried out, the bill amount in the payment account of the payment-substituting user is transferred to the bill collection account to complete the payment substitution, and a payment result and a payment substitution result are obtained.
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 flow chart of a surcharge processing method based on 5G message and biometric identification applied to the system in the embodiment of the present invention;
fig. 2 is a schematic flow chart of a surcharge processing method based on 5G message and biometric identification applied to a surcharge initiating client in the embodiment of the present invention;
fig. 3 is a schematic flow chart of a surcharge processing method based on 5G message and biometric identification applied to a surcharge client in the embodiment of the present invention;
FIG. 4 is a schematic flow chart of a surcharge processing method based on 5G message and biometric identification applied to a bank end in an embodiment of the present invention;
FIG. 5 is a schematic structural diagram of a proxy payment processing system based on 5G message and biometric identification according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of a surcharge processing surcharge initiating client based on 5G message and biometric identification in the embodiment of the present invention;
FIG. 7 is a schematic structural diagram of a proxy payment processing proxy payment client based on 5G message and biometric identification in an embodiment of the present invention;
fig. 8 is a schematic structural diagram of a surrogated payment processing bank end based on 5G message and biometric identification in the embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The invention provides a payment-for-others processing scheme based on 5G message and biological identification, which is a payment-for-others method based on 5G message (fifth generation mobile communication) and helps customers to flexibly and quickly complete a fund payment-for-others scheme. When a client needs to pay for a fee, the bill and the image information of the client (a user initiating the payment for a fee) are shared into a 5G message, and after a payer (a user initiating the payment for a fee) receives a notification of the payment for a fee, the identity of the other party is determined through the image, and then the payment of the bill is completed through face recognition. And a block chain is added into the record of the whole process to prevent the client from being repudiated. The payment-for-replacement processing scheme based on 5G message and biometric identification is described in detail below.
As shown in fig. 5, an embodiment of the present invention relates to a surrogates payment processing system based on 5G message and biometric identification, the system comprising: the payment-for-delivery initiating client 01, the payment-for-delivery client 02 and the plurality of bank terminals 03 are operated: receiving a 5G message payment-instead request input by a user in a 5G message of a payment-instead initiating client; sending the 5G message payment-substituting request through a 5G network; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid; receiving a 5G message payment-for-delivery request in a 5G message of a payment-for-delivery client; receiving a payment confirmation instruction input by a payment-withholding user according to a checking result of the face image information and the bill information to be paid; when a payment confirmation instruction is received, detecting whether a payment account of a payment user exists at a payment client side, if so, acquiring biological characteristic information of the payment user, and sending the biological characteristic information of the payment user, the mobile phone number and the name of an SIM card, the bank card number of the payment account of the payment user and bill information to be paid to a bank side of a bank to which the bank card belongs; and the bank terminal of the bank to which the bank card belongs compares the sent biological characteristic information of the payment-substituting user with the locally stored biological characteristic information of the payment-substituting user, if the comparison is consistent, whether the operation is carried out by the payment-substituting user according to the mobile phone number and the name of the SIM card and the bank card number of the payment account of the payment-substituting user is confirmed, if the operation is carried out, the bill amount in the payment account of the payment-substituting user is transferred to a bill collection account to complete the payment-substituting, and a payment result and a payment-substituting result are obtained. The payment agent can realize efficient and safe payment agent processing based on 5G information without downloading bank or electronic mall APP registration login. The details of the related terminals and the payment-for-delivery processing method applied to the terminals according to the payment-for-delivery processing scheme based on the 5G message and the biometric identification are described below.
Fig. 1 is a schematic flow chart of a surcharge processing method based on 5G message and biometric identification applied to a system in an embodiment of the present invention, and the method includes the following steps:
step 101: receiving a 5G message payment-instead request input by a user in a 5G message of a payment-instead initiating client; sending the 5G message payment-substituting request through a 5G network; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid;
step 102: receiving a 5G message payment-for-delivery request in a 5G message of a payment-for-delivery client; receiving a payment confirmation instruction input by a payment-withholding user according to a checking result of the face image information and the bill information to be paid; when a payment confirmation instruction is received, detecting whether a payment account of a payment user exists at a payment client side, if so, acquiring biological characteristic information of the payment user, and sending the biological characteristic information of the payment user, the mobile phone number and the name of an SIM card, the bank card number of the payment account of the payment user and bill information to be paid to a bank side of a bank to which the bank card belongs;
step 103: and the bank terminal of the bank to which the bank card belongs compares the sent biological characteristic information of the payment-substituting user with the locally stored biological characteristic information of the payment-substituting user, if the comparison is consistent, whether the operation is carried out by the payment-substituting user according to the mobile phone number and the name of the SIM card and the bank card number of the payment account of the payment-substituting user is confirmed, if the operation is carried out, the bill amount in the payment account of the payment-substituting user is transferred to a bill collection account to complete the payment-substituting, and a payment result and a payment-substituting result are obtained.
The invention provides a method for processing the generation payment based on the 5G message and the biological identification, and the generation payment party can realize the efficient and safe generation payment processing based on the 5G message without downloading the APP registration login of a bank or an electronic mall. The individual steps involved in the method are described in detail below.
First, the step of generating a bill by payment, i.e., the step 101, is described.
In specific implementation, the generation of a bill by payment: when a client (a payment initiating user) selects commodities to be bought and places an order in an electronic mall such as Taobao, Shuduo, Jingdong and the like, and then generates a bill to be paid, the client supports to select '5G message payment for payment' (triggering 5G message payment for payment), the client is required to input a mobile phone number of a payer for payment after selection, click to determine, and the face image information, the mobile phone number and the bill information to be paid (bill amount, name of the electronic mall, name of a shop, name of the commodity and order number) which are retained in the electronic mall by the client are sent to a payment client through a 5G network, namely a 5G message payment request is sent. If the customer does not leave the face image information in the shopping mall before, the customer needs to perform living body detection (such as face recognition) and perform networking check to confirm that the customer is the customer himself, and the face image information is left to the server of each electronic shopping mall.
Next, the steps of bill reception, bill information confirmation and payment by surcharge, i.e. the above step 102, are introduced in the 5G message.
In specific implementation, the 5G message bill is received: receiving bill information and information such as face images and mobile phone numbers of a payment agent initiator (a payment agent initiator user), namely receiving a 5G message payment agent request in a 5G message of a payment agent client.
In specific implementation, the bill information is confirmed: the receiving party (a payment agent and a payment agent user) checks the payment agent information (information included in the 5G message payment agent request) of the initiator, including checking the face image information of the initiator, if the initiator needs to pay, clicking the payment agent (inputting a payment confirmation instruction for the initiator to pay), and jumping to the subsequent payment agent payment step; otherwise, the transaction is denied.
Third, next, the steps of the proxy payment account binding, i.e. the preferred steps between step 102 and step 103 described above, are introduced.
In specific implementation, the payment account binding is carried out: the method comprises the steps that a client clicks a binding account in a 5G message (a binding account request is triggered), an account number (a bank card number of a payment account of a depayment user), an affiliated bank, a name and a mobile phone number are input, namely the depayment user inputs the binding account request in the 5G message of a depayment client, biological characteristic identification such as face identification is carried out, all information (all information included in the binding account request) is sent to a corresponding bank background (a bank end of the bank to which the bank card belongs) through a 5G message server, the bank background detects whether the face information of the client is consistent with locally stored image information or not, whether the face information of the client belongs to the same person or not is judged according to the account number, the name and the mobile phone number, if the face information belongs to the same person, binding.
That is, in one embodiment, the method for processing a payment by agency based on 5G message and biometric identification may further include:
if the fact that the payment account of the payment-for-agent user does not exist in the payment-for-agent client side is detected, receiving a binding account request input by the payment-for-agent user in a 5G message of the payment-for-agent client side; sending the account binding request through a 5G network; the binding account request may include: the bank card number of the payment account of the paying user, the bank to which the bank card belongs, the name, the mobile phone number and the biological characteristic information of the paying user;
and the bank terminal of the bank to which the bank card belongs compares the sent biological characteristic information with the locally stored biological characteristic information of the payment-substituting user, if the comparison result is consistent, whether the bank card belongs to the same person is judged according to the sent bank card number, the name and the mobile phone number, and if the bank card belongs to the same person, the account binding is completed.
Fourth, next, the step of the payment by credit, i.e., the above-mentioned step 103, is introduced.
In specific implementation, the payment instead step is as follows: and detecting whether a payment account for surcharge exists or not, and if not, skipping to the step of binding the payment account for surcharge. If so, the default bank card set by the receiver (the payer) is preferentially used, and the bank card switching is also supported. And performing living body detection such as face recognition, and uploading face recognition information, the mobile phone number of the SIM card, the bank card number, the payment amount, the name of the electronic mall, the name of the shop and the order number to a bank background (bank end of a bank to which the bank card belongs). And comparing the background information of the bank with the local face information, if the comparison is consistent, confirming that the operation is carried out by the client, if so, transferring the bill amount in the account of the client to the account of the electronic mall to complete the payment, and skipping to the step of subsequent notification. Block chains are added as an upper transaction to prevent customer repudiation. That is, in one embodiment, the method for processing a payment by agency based on 5G message and biometric identification may further include: and adding the payment result and the payment withholding result into a block chain, wherein the block chain can be a block chain network formed by a plurality of bank terminals, and also can be a block chain network formed by a plurality of bank terminals of the bank to which the block chain belongs, and the transaction is carried out in the block chain, so that the safety is ensured.
Fifth, the notification step, i.e., the preferred step after step 103, is described next.
In specific implementation, the step of notifying: the bank background (bank end of the bank to which the bank card belongs) returns a message to the 5G message server, the 5G message server returns to the 5G message front end (proxy payment client) to display a proxy payment result, and the 5G message server returns the payment result to the electronic mall (bill collector) to display the proxy payment result for the client (proxy payment initiating user).
That is, in one embodiment, the above-mentioned method for processing a payment by proxy based on 5G message and biometric identification may further include:
the bank end of the bank to which the bank card belongs returns the payment substitute result to the 5G message server;
the 5G message server returns the payment-for-use result to the payment-for-use client and the payment-for-use initiating client; sending the payment result to a bill recipient;
the payment-generation initiating client provides the payment-generation result to a payment-generation initiating user; and the generation payment initiating client provides the generation payment result to a generation payment user.
To sum up, the substitute payment processing method based on 5G message and biometric identification provided by the embodiment of the present invention realizes: the payer (a depowerer) confirms the payment initiator through the facial image of the initiator; the payer does not need to download the APP and only needs to complete confirmation in the 5G message; the paying party can complete the payment by biometric identification such as face identification; by the block chain technology, the client information is prevented from being tampered and the repudiation is prevented.
The embodiment of the invention also provides a method for processing the payment-for-delivery based on the 5G message and the biometric identification, which is applied to the client for initiating the payment-for-delivery, and is described in the following embodiment. Because the principle of solving the problem of the method is similar to the substitute payment processing method based on the 5G message and the biometric identification applied to the system, the implementation of the method can be referred to the implementation of the substitute payment processing method based on the 5G message and the biometric identification applied to the system, and repeated details are not repeated.
Fig. 2 is a schematic flow chart of a surcharge processing method based on 5G message and biometric identification applied to a surcharge initiating client in the embodiment of the present invention, as shown in fig. 2, the method includes the following steps:
step 201: receiving a 5G message payment withholding request input by a user in a 5G message; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid;
step 202: and sending the 5G message payment-substituting request through a 5G network.
The embodiment of the invention also provides a method for processing the payment for the client based on the 5G message and the biometric identification, which is applied to the client for the payment for the client, and is described in the following embodiment. Because the principle of solving the problem of the method is similar to the substitute payment processing method based on the 5G message and the biometric identification applied to the system, the implementation of the method can be referred to the implementation of the substitute payment processing method based on the 5G message and the biometric identification applied to the system, and repeated details are not repeated.
Fig. 3 is a flowchart illustrating a method for processing a payment by proxy based on 5G message and biometric identification applied to a payment by proxy client in an embodiment of the present invention, as shown in fig. 3, the method includes the following steps:
step 301: receiving a 5G message payment-for-delivery request in a 5G message; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid;
step 302: receiving a payment confirmation instruction input by a payment-withholding user according to a checking result of the face image information and the bill information to be paid;
step 303: when a payment confirmation instruction is received, detecting whether a payment account of a payment client exists or not;
step 304: if yes, acquiring the biological characteristic information of the payment-for-use user;
step 305: and sending the biological characteristic information of the payment-substituting user, the mobile phone number and the name of the SIM card, the bank card number of the payment account of the payment-substituting user and the bill information to be paid to a bank terminal of a bank to which the bank card belongs.
In one embodiment, the method for processing a payment by agency based on 5G message and biometric identification may further include:
if the fact that the payment account of the payment-for-agent user does not exist in the payment-for-agent client side is detected, receiving a binding account request input by the payment-for-agent user in a 5G message of the payment-for-agent client side;
sending the account binding request through a 5G network; the binding account request includes: the bank card number of the payment account of the paying user, the bank to which the bank card belongs, the name, the mobile phone number and the biological characteristic information of the paying user.
The embodiment of the invention also provides a method for processing a payment for a substitute payment based on 5G message and biometric identification, which is applied to a bank end, and is described in the following embodiment. Because the principle of solving the problem of the method is similar to the substitute payment processing method based on the 5G message and the biometric identification applied to the system, the implementation of the method can be referred to the implementation of the substitute payment processing method based on the 5G message and the biometric identification applied to the system, and repeated details are not repeated.
Fig. 4 is a schematic flow chart of a surcharge processing method based on 5G message and biometric identification applied to a bank end in an embodiment of the present invention, as shown in fig. 4, the method includes the following steps:
step 401: receiving biological characteristic information of a payment agent, a mobile phone number and a name of an SIM card, a bank card number of a payment account of the payment agent and bill information to be paid;
step 402: comparing the sent biological characteristic information of the payment-taking-place user with the locally stored biological characteristic information of the payment-taking-place user;
step 403: if the comparison is consistent, determining whether the operation is carried out by the user of the payment agent according to the mobile phone number and the name of the SIM card and the bank card number of the payment account of the user of the payment agent;
step 404: if so, transferring the bill amount in the payment account of the transfer user to the bill collection account to complete the transfer, and obtaining a payment result and a transfer result.
In one embodiment, the method for processing a payment by agency based on 5G message and biometric identification may further include:
receiving a binding account request; the binding account request includes: the bank card number of the payment account of the paying user, the bank to which the bank card belongs, the name, the mobile phone number and the biological characteristic information of the paying user;
comparing the biological characteristic information in the account binding request with the biological characteristic information of the payment-for-agent user stored locally;
if the comparison result is consistent, whether the bank card number, the name and the mobile phone number belong to the same person is judged according to the sent bank card number, the name and the mobile phone number, and if the bank card number, the name and the mobile phone number belong to the same person, the account binding is completed.
The embodiment of the invention also provides a proxy payment processing system based on 5G message and biological identification, which is described in the following embodiment. Because the principle of the system for solving the problem is similar to the method for processing the substitute payment based on the 5G message and the biometric identification, the implementation of the system can refer to the implementation of the method for processing the substitute payment based on the 5G message and the biometric identification, and repeated details are not repeated.
Fig. 5 is a schematic structural diagram of a proxy payment processing system based on 5G message and biometric identification in an embodiment of the present invention, as shown in fig. 5, the system includes:
the payment-for-delivery initiating client 01 is used for receiving a 5G message payment-for-delivery request input by a user in a 5G message; sending the 5G message payment-substituting request through a 5G network; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid;
the payment-for-delivery client 02 is used for receiving a 5G message payment-for-delivery request in a 5G message; receiving a payment confirmation instruction input by a payment-withholding user according to a checking result of the face image information and the bill information to be paid; when a payment confirmation instruction is received, detecting whether a payment account of a payment user exists at a payment client side, if so, acquiring biological characteristic information of the payment user, and sending the biological characteristic information of the payment user, the mobile phone number and the name of an SIM card, the bank card number of the payment account of the payment user and bill information to be paid to a bank side of a bank to which the bank card belongs;
the bank 03 is used for comparing the sent biological characteristic information of the payment-substituting user with the locally stored biological characteristic information of the payment-substituting user, if the comparison is consistent, whether the operation is carried out by the payment-substituting user according to the mobile phone number and the name of the SIM card and the bank card number of the payment account of the payment-substituting user is confirmed, if the operation is carried out, the bill amount in the payment account of the payment-substituting user is transferred to the bill collection account to complete the payment-substituting, and a payment result and a payment-substituting result are obtained.
The embodiment of the invention also provides a proxy payment processing proxy payment initiating client based on the 5G message and the biological identification, which is described in the following embodiment. Because the principle of the proxy payment initiating client for solving the problem is similar to the proxy payment processing method based on the 5G message and the biometric identification applied to the system, the implementation of the proxy payment initiating client can refer to the implementation of the proxy payment processing method based on the 5G message and the biometric identification applied to the system, and repeated parts are not described again.
Fig. 6 is a schematic structural diagram of a surrogating-payment processing surrogating-payment initiating client based on 5G message and biometric identification in the embodiment of the present invention, as shown in fig. 6, the client includes:
the first receiving unit 011 is used for receiving a 5G message surcharge request input by a user in a 5G message; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid;
a first sending unit 012, configured to send the 5G message surcharge request through a 5G network.
The embodiment of the invention also provides a proxy payment processing proxy payment client based on the 5G message and the biological identification, which is described in the following embodiment. Because the principle of the proxy payment client for solving the problem is similar to the proxy payment processing method based on the 5G message and the biometric identification applied to the system, the implementation of the proxy payment client can refer to the implementation of the proxy payment processing method based on the 5G message and the biometric identification applied to the system, and repeated parts are not described again.
Fig. 7 is a schematic structural diagram of a proxy payment processing proxy payment client based on 5G message and biometric identification in the embodiment of the present invention, as shown in fig. 7, the proxy payment client includes:
a second receiving unit 021 which receives the 5G message surcharge request in the 5G message; receiving a payment confirmation instruction input by a payment-withholding user according to a checking result of the face image information and the bill information to be paid; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid;
a detecting unit 022, configured to detect whether a payment-for-payment client has a payment-for-payment user payment account when receiving the payment confirmation instruction;
a biometric information acquiring unit 023 configured to acquire biometric information of the payment-for-proxy user when detecting that the payment-for-proxy user account exists at the payment-for-proxy client;
and the second sending unit 024 is used for sending the biological characteristic information of the payment-substituting user, the mobile phone number and the name of the SIM card, the bank card number of the payment account of the payment-substituting user and the bill information to be paid to a bank terminal of a bank to which the bank card belongs.
The embodiment of the invention also provides a substitute payment processing bank terminal based on 5G message and biological identification, which is described in the following embodiment. Because the principle of solving the problem at the bank end is similar to the substitute payment processing method based on the 5G message and the biometric identification applied to the system, the implementation of the bank end can refer to the implementation of the substitute payment processing method based on the 5G message and the biometric identification applied to the system, and repeated parts are not described again.
Fig. 8 is a schematic structural diagram of a substitute payment processing bank end based on 5G message and biometric identification in the embodiment of the present invention, as shown in fig. 8, the bank end includes:
a third receiving unit 031, configured to receive biometric information of the payment-authorized user, a mobile phone number and a name of the SIM card, a bank card number of a payment account of the payment-authorized user, and to-be-paid bill information;
a comparing unit 032, configured to compare the sent biometric information of the payment-for-delivery user with the biometric information of the payment-for-delivery user stored locally;
an operation determining unit 033, configured to determine whether the operation of the user is a self-operation of the user when the sent biometric information of the user is consistent with the biometric information of the locally stored user, according to the mobile phone number and name of the SIM card, and the bank card number of the payment account of the user;
the payment assistant processing unit 034 is used for transferring the bill amount in the payment account of the payment assistant user to the bill collection account to complete payment assistant when the operation of the payment assistant user is confirmed, and obtaining a payment result and a payment assistant result.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the surrogates payment processing method based on the 5G message and the biological identification when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above-mentioned proxy payment processing method based on 5G message and biometric identification is stored in the computer-readable storage medium.
In the embodiment of the invention, compared with the technical scheme that in the prior art, the payment-for-delivery processing scheme based on 5G message and biological identification needs both the payment-for-delivery initiator and the payment-for-delivery initiator to download bank APP or electronic shopping mall APP such as Paibao and WeChat, and the payment-for-delivery processing is carried out after registration and login, and the whole process is very complicated, the invention has the advantages that: receiving a 5G message payment-instead request input by a user in a 5G message of a payment-instead initiating client; sending the 5G message payment-substituting request through a 5G network; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid; receiving a 5G message payment-for-delivery request in a 5G message of a payment-for-delivery client; receiving a payment confirmation instruction input by a payment-withholding user according to a checking result of the face image information and the bill information to be paid; when a payment confirmation instruction is received, detecting whether a payment account of a payment user exists at a payment client side, if so, acquiring biological characteristic information of the payment user, and sending the biological characteristic information of the payment user, the mobile phone number and the name of an SIM card, the bank card number of the payment account of the payment user and bill information to be paid to a bank side of a bank to which the bank card belongs; the bank end of the bank to which the bank card belongs compares the sent biological characteristic information of the payment-substituting user with the locally stored biological characteristic information of the payment-substituting user, if the comparison is consistent, whether the operation is carried out by the payment-substituting user is determined according to the mobile phone number, the name and the bank card number of the payment account of the payment-substituting user of the SIM card, if the operation is carried out, the bill amount in the payment account of the payment-substituting user is transferred to the bill collection account to complete the payment substitution, and a payment result and a payment substitution result are obtained.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (15)

1. A method for processing a payment by agency based on 5G message and biological identification is characterized by comprising the following steps:
receiving a 5G message payment-instead request input by a user in a 5G message of a payment-instead initiating client; sending the 5G message payment-substituting request through a 5G network; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid;
receiving a 5G message payment-for-delivery request in a 5G message of a payment-for-delivery client; receiving a payment confirmation instruction input by a payment-withholding user according to a checking result of the face image information and the bill information to be paid; when a payment confirmation instruction is received, detecting whether a payment account of a payment user exists at a payment client side, if so, acquiring biological characteristic information of the payment user, and sending the biological characteristic information of the payment user, the mobile phone number and the name of an SIM card, the bank card number of the payment account of the payment user and bill information to be paid to a bank side of a bank to which the bank card belongs;
and the bank terminal of the bank to which the bank card belongs compares the sent biological characteristic information of the payment-substituting user with the locally stored biological characteristic information of the payment-substituting user, if the comparison is consistent, whether the operation is carried out by the payment-substituting user according to the mobile phone number and the name of the SIM card and the bank card number of the payment account of the payment-substituting user is confirmed, if the operation is carried out, the bill amount in the payment account of the payment-substituting user is transferred to a bill collection account to complete the payment-substituting, and a payment result and a payment-substituting result are obtained.
2. The method of claim 1, further comprising:
the bank end of the bank to which the bank card belongs returns the payment substitute result to the 5G message server;
the 5G message server returns the payment-for-use result to the payment-for-use client and the payment-for-use initiating client; sending the payment result to a bill recipient;
the payment-generation initiating client provides the payment-generation result to a payment-generation initiating user; and the generation payment initiating client provides the generation payment result to a generation payment user.
3. The method of claim 1, further comprising:
if the fact that the payment account of the payment-for-agent user does not exist in the payment-for-agent client side is detected, receiving a binding account request input by the payment-for-agent user in a 5G message of the payment-for-agent client side; sending the account binding request through a 5G network; the binding account request includes: the bank card number of the payment account of the paying user, the bank to which the bank card belongs, the name, the mobile phone number and the biological characteristic information of the paying user;
and the bank terminal of the bank to which the bank card belongs compares the sent biological characteristic information with the locally stored biological characteristic information of the payment-substituting user, if the comparison result is consistent, whether the bank card belongs to the same person is judged according to the sent bank card number, the name and the mobile phone number, and if the bank card belongs to the same person, the account binding is completed.
4. The method of claim 1, further comprising: and adding the payment result and the payment withholding result into the block chain.
5. A method for processing a payment by agency based on 5G message and biological identification is characterized by comprising the following steps:
receiving a 5G message payment withholding request input by a user in a 5G message; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid;
and sending the 5G message payment-substituting request through a 5G network.
6. A method for processing a payment by agency based on 5G message and biological identification is characterized by comprising the following steps:
receiving a 5G message payment-for-delivery request in a 5G message; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid;
receiving a payment confirmation instruction input by a payment-withholding user according to a checking result of the face image information and the bill information to be paid;
when a payment confirmation instruction is received, detecting whether a payment account of a payment client exists or not;
if yes, acquiring the biological characteristic information of the payment-for-use user;
and sending the biological characteristic information of the payment-substituting user, the mobile phone number and the name of the SIM card, the bank card number of the payment account of the payment-substituting user and the bill information to be paid to a bank terminal of a bank to which the bank card belongs.
7. The method of claim 6, further comprising:
if the fact that the payment account of the payment-for-agent user does not exist in the payment-for-agent client side is detected, receiving a binding account request input by the payment-for-agent user in a 5G message of the payment-for-agent client side;
sending the account binding request through a 5G network; the binding account request includes: the bank card number of the payment account of the paying user, the bank to which the bank card belongs, the name, the mobile phone number and the biological characteristic information of the paying user.
8. A method for processing a payment by agency based on 5G message and biological identification is characterized by comprising the following steps:
receiving biological characteristic information of a payment agent, a mobile phone number and a name of an SIM card, a bank card number of a payment account of the payment agent and bill information to be paid;
comparing the sent biological characteristic information of the payment-taking-place user with the locally stored biological characteristic information of the payment-taking-place user;
if the comparison is consistent, determining whether the operation is carried out by the user of the payment agent according to the mobile phone number and the name of the SIM card and the bank card number of the payment account of the user of the payment agent;
if so, transferring the bill amount in the payment account of the transfer user to the bill collection account to complete the transfer, and obtaining a payment result and a transfer result.
9. The method of claim 8, further comprising:
receiving a binding account request; the binding account request includes: the bank card number of the payment account of the paying user, the bank to which the bank card belongs, the name, the mobile phone number and the biological characteristic information of the paying user;
comparing the biological characteristic information in the account binding request with the biological characteristic information of the payment-for-agent user stored locally;
if the comparison result is consistent, whether the bank card number, the name and the mobile phone number belong to the same person is judged according to the sent bank card number, the name and the mobile phone number, and if the bank card number, the name and the mobile phone number belong to the same person, the account binding is completed.
10. A payment-for-delivery processing system based on 5G messaging and biometric identification, comprising:
the payment-for-delivery initiating client is used for receiving a 5G message payment-for-delivery request input by a user in a 5G message; sending the 5G message payment-substituting request through a 5G network; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid;
the payment-substituting client is used for receiving a 5G message payment-substituting request in a 5G message; receiving a payment confirmation instruction input by a payment-withholding user according to a checking result of the face image information and the bill information to be paid; when a payment confirmation instruction is received, detecting whether a payment account of a payment user exists at a payment client side, if so, acquiring biological characteristic information of the payment user, and sending the biological characteristic information of the payment user, the mobile phone number and the name of an SIM card, the bank card number of the payment account of the payment user and bill information to be paid to a bank side of a bank to which the bank card belongs;
and the bank terminal is used for comparing the sent biological characteristic information of the payment-substituting user with the locally stored biological characteristic information of the payment-substituting user, if the comparison is consistent, determining whether the operation is carried out by the payment-substituting user according to the mobile phone number and the name of the SIM card and the bank card number of the payment account of the payment-substituting user, and if the comparison is consistent, transferring the bill amount in the payment account of the payment-substituting user to a bill collection account to finish the payment substitution so as to obtain a payment result and a payment-substituting result.
11. A surrogated payment processing surrogated payment initiating client based on 5G messages and biometric identification, comprising:
the first receiving unit is used for receiving a 5G message payment-by-delivery request input by a user in a 5G message; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid;
and the first sending unit is used for sending the 5G message payment-for-replacement request through a 5G network.
12. A client for processing a payment agent based on 5G messaging and biometric identification, comprising:
a second receiving unit that receives the 5G message payment-by-proxy request in the 5G message; receiving a payment confirmation instruction input by a payment-withholding user according to a checking result of the face image information and the bill information to be paid; the 5G message payment request comprises the following steps: the method comprises the following steps of (1) carrying out payment on a face image information reserved by a user, a mobile phone number of a payer and bill information to be paid;
the detection unit is used for detecting whether the payment client side has a payment account of the payment client side or not when receiving the payment confirmation instruction;
the biometric information acquisition unit is used for acquiring biometric information of the payment-for-proxy user when detecting that the payment-for-proxy user exists in the payment-for-proxy client;
and the second sending unit is used for sending the biological characteristic information of the payment-substituting user, the mobile phone number and the name of the SIM card, the bank card number of the payment account of the payment-substituting user and the bill information to be paid to a bank terminal of a bank to which the bank card belongs.
13. A surreptitious payment processing bank terminal based on 5G messages and biometrics, comprising:
the third receiving unit is used for receiving the biological characteristic information of the payment-taking user, the mobile phone number and the name of the SIM card, the bank card number of the payment account of the payment-taking user and the bill information to be paid;
the comparison unit is used for comparing the sent biological characteristic information of the paying-for-agent user with the locally stored biological characteristic information of the paying-for-agent user;
the operation determining unit is used for determining whether the operation of the user is carried out according to the mobile phone number, the name and the bank card number of the payment account of the payment user of the SIM card when the sent biological characteristic information of the payment user is consistent with the locally stored biological characteristic information of the payment user;
and the payment withholding processing unit is used for transferring the bill amount in the payment account of the payment withholding user to the bill collection account to complete payment withholding when the operation of the user is confirmed to be the operation of the user, and obtaining a payment result and a payment withholding result.
14. 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 of claims 1 to 9 when executing the computer program.
15. 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 9.
CN202110480924.6A 2021-04-30 2021-04-30 Method, system and terminal for processing payment by agency based on 5G message and biological recognition Pending CN113052580A (en)

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Publication number Priority date Publication date Assignee Title
CN113657895A (en) * 2021-08-19 2021-11-16 中国银行股份有限公司 Electronic red packet processing method, device and system based on 5G message
CN113743928A (en) * 2021-09-03 2021-12-03 中国银行股份有限公司 Health code payment method and device based on 5G message
CN114066605A (en) * 2021-11-16 2022-02-18 中国银行股份有限公司 Online account opening method and device

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