CN113259873B - 5G message-based card change reservation method and system and bank terminal - Google Patents
5G message-based card change reservation method and system and bank terminal Download PDFInfo
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- CN113259873B CN113259873B CN202110550420.7A CN202110550420A CN113259873B CN 113259873 B CN113259873 B CN 113259873B CN 202110550420 A CN202110550420 A CN 202110550420A CN 113259873 B CN113259873 B CN 113259873B
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/12—Messaging; Mailboxes; Announcements
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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
- G06Q10/00—Administration; Management
- G06Q10/02—Reservations, e.g. for tickets, services or events
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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
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/30—Services specially adapted for particular environments, situations or purposes
- H04W4/35—Services specially adapted for particular environments, situations or purposes for the management of goods or merchandise
Abstract
The invention discloses a reserved card changing method, a reserved card changing system and a bank terminal based on 5G information, and relates to the technical field of mobile interconnection, wherein the method comprises the following steps: receiving a reservation card changing request of a user in a 5G message of a client; acquiring a card image of a user; the 5G message server identifies the card image to obtain card information; sending the card information and the mobile phone number of the user to a bank terminal of a bank where the card is reserved to be changed; the bank end inquires whether a user consistent with the sent card information and the mobile phone number exists, and if so, an identity authentication request is sent to the client end; the client acquires the biological characteristic information of a user; the bank terminal compares the sent characteristic information with the pre-stored characteristic information, and if the characteristic information is consistent with the pre-stored characteristic information, the balance of the account is inquired; when the server judges that the account balance is larger than the reserved card-changing fee, the server sends a fee deduction request to the client; and when the deduction confirmation instruction is received, acquiring the mailing address of the user, and finishing the reservation card replacement. The invention can realize the efficient and safe reservation card changing based on the 5G message.
Description
Technical Field
The invention relates to the technical field of mobile interconnection, in particular to a card reserving and changing method and system based on 5G information and a bank terminal.
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.
In the event that a debit card in a customer's hand is damaged or expired, the customer needs to change cards, go to the counter to change cards, queue up, and carry many certificates, which is time consuming and labor intensive. At present, the reservation card changing is also supported on the APP of each big bank, but the APP needs to be downloaded, registered and logged in, a series of information needs to be input, and the operation of a client is complex.
Disclosure of Invention
The embodiment of the invention provides a reservation card changing method based on 5G information, which is used for realizing high-efficiency and safe reservation card changing and comprises the following steps:
receiving a reservation card changing request of a user in a 5G message of a client; when receiving a card change reservation request, acquiring a card image of a user; sending the card image of the user to a 5G message server through a 5G network;
the 5G message server identifies the card image to obtain card information; sending the card information and the mobile phone number of the user to a bank terminal of a bank where the card change is reserved;
the bank end of the bank where the reserved card is changed inquires whether a user consistent with the sent card information and the mobile phone number exists, and if yes, the user confirmation information is sent to the 5G message server;
the 5G message server sends an identity authentication request to the client when receiving the user confirmation information;
receiving an authentication request in a 5G message of a client; when an identity authentication request is received, acquiring biological characteristic information of a user, and sending the biological characteristic information to a 5G message server;
the 5G message server sends the biological characteristic information to a bank terminal of a bank where the reserved card is changed;
the bank terminal of the bank to which the reserved card change belongs compares the sent biological characteristic information with the biological characteristic information stored in advance, if the biological characteristic information is consistent with the biological characteristic information stored in advance, the account balance of the bank card under the name of the user of the bank to which the reserved card change belongs is inquired, and the account balance and the preset reserved card change cost are returned to the 5G message server;
when the 5G message server judges that the account balance is larger than the reserved card-changing fee, the 5G message server sends a fee deduction request to the client;
receiving a charge deduction request in a 5G message of a client; when a charge deduction confirmation instruction input by a user according to a charge deduction request is received, obtaining mailing address information of the user; sending the mailing address information of the user to a bank end;
and when the bank end of the bank where the card is reserved to be changed receives the mailing address information of the user, the reserved card is changed.
The embodiment of the invention also provides a reservation card changing method based on the 5G message, which is used for realizing the high-efficiency and safe reservation card changing and comprises the following steps:
receiving card information and a mobile phone number of a user;
inquiring whether a user consistent with the sent card information and the mobile phone number exists; the card information is obtained by identifying the card image; the card image is the card image obtained by the user when the card reservation request is received in the 5G message;
if yes, sending the user confirmation information to a 5G message server;
comparing the sent biological characteristic information with the pre-stored biological characteristic information;
if the user name is consistent with the bank card name, the balance of the account of the bank card under the user name of the line to which the reserved card is changed is inquired;
returning the account balance and the preset reserved card change cost to the 5G message server;
and when the mailing address information of the user is received, the card change reservation is completed.
The embodiment of the invention also provides a reservation card changing system based on the 5G message, which is used for realizing the high-efficiency and safe reservation card changing and comprises the following components:
the client is used for receiving a reservation card changing request of a user in the 5G message; when receiving a card change reservation request, acquiring a card image of a user; sending the card image of the user to a 5G message server through a 5G network; receiving an authentication request in a 5G message; when an identity authentication request is received, acquiring biological characteristic information of a user, and sending the biological characteristic information to a 5G message server; receiving a charge deduction request in a 5G message; when a charge deduction confirmation instruction input by a user according to a charge deduction request is received, obtaining mailing address information of the user; sending the mailing address information of the user to a bank end;
the 5G message server is used for identifying the card image to obtain card information; sending the card information and the mobile phone number of the user to a bank terminal of a bank where the card change is reserved; when receiving the user confirmation information, sending an identity authentication request to a client; sending the biological characteristic information to a bank terminal of a bank where the card change is reserved; when the account balance is judged to be larger than the reserved card-changing fee, sending a fee deduction request to the client;
the bank end of the bank where the reserved card is changed is used for inquiring whether a user consistent with the sent card information and the mobile phone number exists or not, and if yes, the user confirmation information is sent to the 5G message server; comparing the sent biological characteristic information with pre-stored biological characteristic information, if the biological characteristic information is consistent with the pre-stored biological characteristic information, inquiring the account balance of the bank card under the name of the user of the bank to which the reserved card changing belongs, and returning the account balance and the preset reserved card changing cost to the 5G message server; and when the mailing address information of the user is received, the card change reservation is completed.
The embodiment of the invention also provides a reserved card-changing bank terminal based on 5G information, which is used for realizing efficient and safe reserved card-changing and comprises:
the receiving unit is used for receiving the card information and the mobile phone number of the user;
the inquiry unit is used for inquiring whether a user consistent with the sent card information and the mobile phone number exists; the card information is obtained by identifying the card image; the card image is the card image obtained by the user when the card reservation request is received in the 5G message;
the sending unit is used for sending the user confirmation information to the 5G message server if the user confirmation information exists; returning the account balance and the preset reserved card change cost to the 5G message server;
the comparison unit is used for comparing the sent biological characteristic information with the pre-stored biological characteristic information;
the balance inquiry unit is used for inquiring the account balance of the bank card under the name of the user of the bank where the reserved card is changed if the sent biological characteristic information is consistent with the biological characteristic information stored in advance;
and the reservation processing unit is used for finishing reservation card replacement when receiving the mailing address information of the user.
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 reserved card changing method based on the 5G message when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program for executing the reserved card changing method based on the 5G message.
In the embodiment of the invention, compared with the technical scheme of needing to go to the counter or download, register and log in APP of each large bank in the prior art, the reservation card changing scheme based on the 5G message comprises the following steps: receiving a reservation card changing request of a user in a 5G message of a client; when receiving a card change reservation request, acquiring a card image of a user; sending the card image of the user to a 5G message server through a 5G network; the 5G message server identifies the card image to obtain card information; sending the card information and the mobile phone number of the user to a bank terminal of a bank where the card change is reserved; the bank end of the bank where the reserved card is changed inquires whether a user consistent with the sent card information and the mobile phone number exists, and if yes, the user confirmation information is sent to the 5G message server; the 5G message server sends an identity authentication request to the client when receiving the user confirmation information; receiving an authentication request in a 5G message of a client; when an identity authentication request is received, acquiring biological characteristic information of a user, and sending the biological characteristic information to a 5G message server; the 5G message server sends the biological characteristic information to a bank terminal of a bank where the reserved card is changed; the bank terminal of the bank to which the reserved card change belongs compares the sent biological characteristic information with the biological characteristic information stored in advance, if the biological characteristic information is consistent with the biological characteristic information stored in advance, the account balance of the bank card under the name of the user of the bank to which the reserved card change belongs is inquired, and the account balance and the preset reserved card change cost are returned to the 5G message server; when the 5G message server judges that the account balance is larger than the reserved card-changing fee, the 5G message server sends a fee deduction request to the client; receiving a charge deduction request in a 5G message of a client; when a charge deduction confirmation instruction input by a user according to a charge deduction request is received, obtaining mailing address information of the user; sending the mailing address information of the user to a bank end; and when the bank end of the bank where the card is reserved to be changed receives the mailing address information of the user, the reserved card is changed. The invention can realize the efficient and safe reservation card changing based on the 5G information without inputting much user information through a telephone or downloading the APP registration login of a mobile phone bank.
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 reserved card-changing method based on 5G messages applied to a system in an embodiment of the present invention;
fig. 2 is a schematic flowchart of a reserved card-changing method based on 5G messages applied to a bank end in an embodiment of the present invention;
FIG. 3 is a schematic structural diagram of a reserved card-changing system based on 5G messages according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of a reserved card-changing bank terminal based on a 5G message in the embodiment of the present invention;
fig. 5 is a schematic structural diagram of a reserved card-changing bank terminal based on a 5G message according to another embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The embodiment of the invention provides a reservation card changing scheme based on 5G information, which is a debit card reservation card changing method based on 5G information and face recognition, improves customer experience, and prevents customer repudiation through a block chain form. Specifically, in the 5G message, the customer performs OCR recognition on the card to be changed, fills in or performs voice recognition on the address needing to be mailed back, and then performs verification through face recognition to complete the reserved card change. And a block chain is added into the record of the whole process to prevent the client from being repudiated. The debit card reservation card change scheme based on 5G messages and face recognition is described in detail below.
Fig. 1 is a schematic flow chart of a reserved card-changing method based on 5G messages applied to a system in an embodiment of the present invention, as shown in fig. 1, the method includes the following steps:
step 101: receiving a reservation card changing request of a user in a 5G message of a client; when receiving a card change reservation request, acquiring a card image of a user; sending the card image of the user to a 5G message server through a 5G network;
step 102: the 5G message server identifies the card image to obtain card information; sending the card information and the mobile phone number of the user to a bank terminal of a bank where the card change is reserved;
step 103: the bank end of the bank where the reserved card is changed inquires whether a user consistent with the sent card information and the mobile phone number exists, and if yes, the user confirmation information is sent to the 5G message server;
step 104: the 5G message server sends an identity authentication request to the client when receiving the user confirmation information;
step 105: receiving an authentication request in a 5G message of a client; when an identity authentication request is received, acquiring biological characteristic information of a user, and sending the biological characteristic information to a 5G message server;
step 106: the 5G message server sends the biological characteristic information to a bank terminal of a bank where the reserved card is changed;
step 107: the bank terminal of the bank to which the reserved card change belongs compares the sent biological characteristic information with the biological characteristic information stored in advance, if the biological characteristic information is consistent with the biological characteristic information stored in advance, the account balance of the bank card under the name of the user of the bank to which the reserved card change belongs is inquired, and the account balance and the preset reserved card change cost are returned to the 5G message server;
step 108: when the 5G message server judges that the account balance is larger than the reserved card-changing fee, the 5G message server sends a fee deduction request to the client;
step 109: receiving a charge deduction request in a 5G message of a client; when a charge deduction confirmation instruction input by a user according to a charge deduction request is received, obtaining mailing address information of the user; sending the mailing address information of the user to a bank end;
step 1010: and when the bank end of the bank where the card is reserved to be changed receives the mailing address information of the user, the reserved card is changed.
The reservation card changing method based on the 5G message provided by the embodiment of the invention can realize the efficient and safe reservation card changing based on the 5G message without inputting much user information through a telephone or downloading the APP registration login of a mobile phone bank. The following describes each step of the reserved card-changing method based on the 5G message in detail.
First, the above steps 101 to 104 are introduced.
In specific implementation, the OCR recognition step comprises: the method comprises the steps that a client clicks a reserved card changing (a reserved card changing request of the user is received) in a 5G message, the client is required to shoot a card (a card image of the user is obtained) and send the card to a 5G message server, the 5G message server identifies a bank name, a card number and an expired year and month (card information) through OCR, after identification is completed, the information and a mobile phone number are sent to a corresponding bank background system (a bank end of a row to which the reserved card changing belongs), a bank background (a bank end of the row to which the reserved card changing belongs) compares whether the card number, the expired year and the mobile phone number are consistent, if the card number, the expired year and month and the mobile phone number are consistent, the card number and the mobile phone number are consistent, if the card number is consistent, the card is stored, and the card is about to expire, the card is returned to the 5G message server, and face identification is started to enhance verification. If there are consistent customers, the card is not due soon, such as returning a message that it is not due, rejecting subsequent transactions. If no client with consistent information exists, the transaction is directly refused. That is, in an embodiment, the reserved card changing method based on the 5G message may further include: and if the sent biological characteristic information is inconsistent with the pre-stored biological characteristic information, sending a message of refusing to reserve the card change to the client, and further improving the safety of the reserved card change service.
Next, the above steps 105 to 107 are introduced.
In specific implementation, the face recognition and the verification enhancement step: the 5G message server returns to a 5G message front end (client) to request a client to perform face recognition, a face recognition result (biological characteristic information) is stored in the 5G message server and is uploaded to a bank background (a bank end of a bank where the reserved card changing belongs to a bank) through the 5G message server, the bank background confirms that the client is operated by the client, inquires the account balance of the bank card under the name of the client, and returns the account balance and the reserved card changing cost set in a bank system to the 5G message server to enter a cost processing step.
Third, next, the above steps 108 to 109 are described.
In specific implementation, the cost processing step comprises: if the account balance is larger than the reserved card-changing fee, the pop-up window inquires whether the customer deducts the account balance (fee deduction request), and if the customer clicks the confirmation (fee deduction confirmation instruction), the customer enters a mailing address input page (the mailing address information of the customer is obtained). If the customer clicks no, or the account balance is less than the reserved card-changing fee, the customer is required to input the card number of the payment and the bank to which the card number belongs, the 5G message server is sent to a background system (bank end of the bank of the row to which the reserved card-changing card belongs) of the reserved card-changing bank, the background system of the reserved card-changing bank sends the deduction amount, the card number of the payment, the bank to which the payment belongs and face information (biological characteristic information) to a unionpay system, the unionpay system deducts money from the row to which the payment belongs, the bank end of the row to which the payment card belongs judges whether the face information of the customer is consistent with the local part, namely judges whether the sent biological characteristic information is consistent with the locally stored biological characteristic information, if so, the fund in the payment account is transferred to the bank end of the row to which the reserved card belongs, the deduction is returned to the 5G message server after the deduction is completed, and the step of mailing address input is carried out.
As can be seen from the above, in an embodiment, the reserved card changing method based on a 5G message may further include:
when the 5G message server judges that the account balance is less than the reserved card-changing fee, sending a fee-paying card information input request;
the method comprises the steps that when a client receives a payment card information input request, a payment card number and a row to which a payment card belongs, which are input by a user, are received; sending the card number of the payment card and the row of the payment card to a 5G message server;
the 5G message server sends the card number of the payment card and the line to which the payment card belongs to a bank end of the line to which the payment card is reserved to be changed;
the bank terminal of the row to which the reserved card is to be changed sends the reserved card-changing fee amount, the card number of the payment card, the row to which the payment card belongs and the biological characteristic information of the user to the row to which the payment card belongs;
the bank end of the bank to which the payment card belongs judges whether the sent biological characteristic information is consistent with the locally stored biological characteristic information, if so, the reserved card-changing expense amount in the payment card account is transferred to the account of the bank to which the reserved card-changing belongs, and a fee deduction completion notice is returned to the client;
when receiving the fee deduction completion notification, the client inputs and acquires the mailing address information of the user; and sending the mailing address information of the user to the bank end.
In specific implementation, the step of mailing address input: and supporting a client to manually input a mail address, supporting the client to fill the address by voice in a voice recognition mode, sending the address to a bank background (a bank end of a bank where the reserved card-changing line belongs to) after completion of filling, returning to the 5G message server after success, and entering the reserved card-changing step.
Fourth, next, the above step 1010 is introduced.
In specific implementation, the step of reserving card change by debit card is as follows: and calling the reserved card changing function of the bank through the 5G message server to finish the reserved card changing and returning the message to the client.
Next, the preferred steps described above are described.
In an embodiment, the reserved card changing method based on the 5G message may further include: and adding the result of the reserved card change into the block chain.
In specific implementation, the block chain is added to the result of card change reservation, so that the safety of card change reservation is further improved.
In summary, the card-change reservation method based on the 5G message provided by the embodiment of the invention reserves card-change for the debit card through the 5G message, does not need to download APP, and has a simple process; by using the face recognition technology, the operation of the client is guaranteed, the client does not need to manually input the card number, the flow is simplified, and the processing complexity of the reserved card changing service is improved; and the transaction enters a block chain to ensure safety.
The embodiment of the invention also provides a reserved card changing method based on the 5G message, which is applied to the bank end and is described in the following embodiment. Because the principle of solving the problem of the method is similar to the reservation card changing method based on the 5G message applied to the system, the implementation of the method can refer to the implementation of the reservation card changing method based on the 5G message applied to the system, and repeated parts are not described again.
Fig. 2 is a schematic flow chart of a reserved card-changing method based on 5G messages applied to a bank end in an embodiment of the present invention, as shown in fig. 2, the method includes the following steps:
step 201: receiving card information and a mobile phone number of a user;
step 202: inquiring whether a user consistent with the sent card information and the mobile phone number exists; the card information is obtained by identifying the card image; the card image is the card image obtained by the user when the card reservation request is received in the 5G message;
step 203: if yes, sending the user confirmation information to a 5G message server;
step 204: comparing the sent biological characteristic information with the pre-stored biological characteristic information;
step 205: if the user name is consistent with the bank card name, the balance of the account of the bank card under the user name of the line to which the reserved card is changed is inquired;
step 206: returning the account balance and the preset reserved card change cost to the 5G message server;
step 207: and when the mailing address information of the user is received, the card change reservation is completed.
In an embodiment, the reserved card changing method based on the 5G message may further include:
sending the reserved card-changing fee amount, the card number of the payment card, the line to which the payment card belongs and the biological characteristic information of the user to the line to which the payment card belongs;
and judging whether the sent biological characteristic information is consistent with the locally stored biological characteristic information, if so, transferring the reserved card-changing expense amount in the payment card account into an account of the bank to which the reserved card-changing belongs, and returning a fee deduction completion notice to the client.
The embodiment of the invention also provides a reserved card changing system based on the 5G message, which is described in the following embodiment. Because the principle of the system for solving the problems is similar to the reservation card changing method based on the 5G message applied to the system, the implementation of the system can refer to the implementation of the reservation card changing method based on the 5G message applied to the system, and repeated parts are not described again.
Fig. 3 is a schematic structural diagram of a reserved card-changing system based on a 5G message in an embodiment of the present invention, as shown in fig. 3, the system includes:
the client 01 is used for receiving a reservation card change request of a user in a 5G message; when receiving a card change reservation request, acquiring a card image of a user; sending the card image of the user to a 5G message server through a 5G network; receiving an authentication request in a 5G message; when an identity authentication request is received, acquiring biological characteristic information of a user, and sending the biological characteristic information to a 5G message server; receiving a charge deduction request in a 5G message; when a charge deduction confirmation instruction input by a user according to a charge deduction request is received, obtaining mailing address information of the user; sending the mailing address information of the user to a bank end;
the 5G message server 02 is used for identifying the card image to obtain card information; sending the card information and the mobile phone number of the user to a bank terminal of a bank where the card change is reserved; when receiving the user confirmation information, sending an identity authentication request to a client; sending the biological characteristic information to a bank terminal of a bank where the card change is reserved; when the account balance is judged to be larger than the reserved card-changing fee, sending a fee deduction request to the client;
the bank 03 of the bank where the reserved card is changed is used for inquiring whether a user consistent with the sent card information and the mobile phone number exists or not, and if yes, sending user confirmation information to the 5G message server; comparing the sent biological characteristic information with pre-stored biological characteristic information, if the biological characteristic information is consistent with the pre-stored biological characteristic information, inquiring the account balance of the bank card under the name of the user of the bank to which the reserved card changing belongs, and returning the account balance and the preset reserved card changing cost to the 5G message server; and when the mailing address information of the user is received, the card change reservation is completed.
In one embodiment, the 5G message server is further configured to send a payment card information input request when the account balance is determined to be less than the reserved card change fee; sending the card number of the payment card and the line to which the payment card belongs to a bank end of the line to which the reserved card is changed;
the client is also used for receiving the payment card number and the row of the payment card input by the user when receiving the payment card information input request; sending the card number of the payment card and the row of the payment card to a 5G message server; when receiving a fee deduction completion notification, inputting and acquiring mailing address information of a user; sending the mailing address information of the user to the bank terminal
The bank end of the row to which the reserved card change belongs is also used for sending the reserved card change fee amount, the card number of the payment card, the row to which the payment card belongs and the biological characteristic information of the user to the row to which the payment card belongs;
the reserved card-changing system based on the 5G message further comprises: and the bank end of the bank to which the payment card belongs is used for judging whether the sent biological characteristic information is consistent with the locally stored biological characteristic information or not, if so, transferring the reserved card-changing expense amount in the payment card account into the bank account to which the reserved card-changing belongs, and returning a fee deduction completion notice to the client.
The embodiment of the invention also provides a reserved card-changing reserved bank terminal based on the 5G message, which is described in the following embodiment. Because the principle of solving the problem of the bank end is similar to the reservation card changing method based on the 5G message applied to the system, the implementation of the bank end can refer to the implementation of the reservation card changing method based on the 5G message applied to the system, and repeated parts are not described again.
Fig. 4 is a schematic structural diagram of a reserved card-changing bank terminal based on a 5G message in the embodiment of the present invention, and as shown in fig. 4, the bank terminal includes:
a receiving unit 031 for receiving card information and a user's mobile phone number;
a query unit 032, configured to query whether there is a user whose card information and phone number are consistent with the sent card information; the card information is obtained by identifying the card image; the card image is the card image obtained by the user when the card reservation request is received in the 5G message;
a sending unit 033, configured to send the user confirmation information to the 5G message server if the user confirmation information exists; returning the account balance and the preset reserved card change cost to the 5G message server;
a comparing unit 034, configured to compare the sent biometric information with pre-stored biometric information;
the balance inquiry unit 035 is used for inquiring the account balance of the bank card under the name of the user of the bank where the reserved card is changed if the sent biological characteristic information is consistent with the biological characteristic information stored in advance;
and a reservation processing unit 036, configured to complete reservation card replacement when receiving the mailing address information of the user.
In one embodiment, the sending unit may be further configured to send the reserved card-changing amount, the card number of the payment card, the line to which the payment card belongs, and the biometric information of the user to the line to which the payment card belongs; returning a fee deduction completion notice to the client;
as shown in fig. 5, the reserved card-changing bank terminal based on the 5G message further includes:
a judging unit 037, configured to judge whether the sent biometric information is consistent with locally stored biometric information;
and the fee deduction processing unit 038 is configured to transfer the reserved card-changing fee amount in the payment card account into an account of a bank to which the reserved card-changing belongs if the sent biometric information is consistent with the locally stored biometric information.
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 reserved card changing method based on the 5G message when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program for executing the reserved card changing method based on the 5G message.
In the embodiment of the invention, compared with the technical scheme of needing to go to the counter or downloading, registering and logging in APP of each large bank in the prior art, the card change reservation scheme based on the 5G message comprises the following steps: receiving a reservation card changing request of a user in a 5G message of a client; when receiving a card change reservation request, acquiring a card image of a user; sending the card image of the user to a 5G message server through a 5G network; the 5G message server identifies the card image to obtain card information; sending the card information and the mobile phone number of the user to a bank terminal of a bank where the card change is reserved; the bank end of the bank where the reserved card is changed inquires whether a user consistent with the sent card information and the mobile phone number exists, and if yes, the user confirmation information is sent to the 5G message server; the 5G message server sends an identity authentication request to the client when receiving the user confirmation information; receiving an authentication request in a 5G message of a client; when an identity authentication request is received, acquiring biological characteristic information of a user, and sending the biological characteristic information to a 5G message server; the 5G message server sends the biological characteristic information to a bank terminal of a bank where the reserved card is changed; the bank terminal of the bank to which the reserved card change belongs compares the sent biological characteristic information with the biological characteristic information stored in advance, if the biological characteristic information is consistent with the biological characteristic information stored in advance, the account balance of the bank card under the name of the user of the bank to which the reserved card change belongs is inquired, and the account balance and the preset reserved card change cost are returned to the 5G message server; when the 5G message server judges that the account balance is larger than the reserved card-changing fee, the 5G message server sends a fee deduction request to the client; receiving a charge deduction request in a 5G message of a client; when a charge deduction confirmation instruction input by a user according to a charge deduction request is received, obtaining mailing address information of the user; sending the mailing address information of the user to a bank end; and when the bank end of the bank where the card is reserved to be changed receives the mailing address information of the user, the reserved card is changed. The invention can realize the high-efficiency and safe reservation card changing based on the 5G information without inputting much user information through a telephone or downloading the APP registration login of a mobile phone bank.
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 (8)
1. A reserved card changing method based on 5G messages is characterized by comprising the following steps:
receiving a reservation card changing request of a user in a 5G message of a client; when receiving a card change reservation request, acquiring a card image of a user; sending the card image of the user to a 5G message server through a 5G network;
the 5G message server identifies the card image to obtain card information; sending the card information and the mobile phone number of the user to a bank terminal of a bank where the card change is reserved;
the bank end of the bank where the reserved card is changed inquires whether a user consistent with the sent card information and the mobile phone number exists, and if yes, the user confirmation information is sent to the 5G message server;
the 5G message server sends an identity authentication request to the client when receiving the user confirmation information;
receiving an authentication request in a 5G message of a client; when an identity authentication request is received, acquiring biological characteristic information of a user, and sending the biological characteristic information to a 5G message server;
the 5G message server sends the biological characteristic information to a bank terminal of a bank where the reserved card is changed;
the bank terminal of the bank to which the reserved card change belongs compares the sent biological characteristic information with the biological characteristic information stored in advance, if the biological characteristic information is consistent with the biological characteristic information stored in advance, the account balance of the bank card under the name of the user of the bank to which the reserved card change belongs is inquired, and the account balance and the preset reserved card change cost are returned to the 5G message server;
when the 5G message server judges that the account balance is larger than the reserved card-changing fee, the 5G message server sends a fee deduction request to the client;
receiving a charge deduction request in a 5G message of a client; when a charge deduction confirmation instruction input by a user according to a charge deduction request is received, obtaining mailing address information of the user; sending the mailing address information of the user to a bank end;
when the bank end of the bank where the card is reserved to be changed receives the mailing address information of the user, the reserved card change is completed;
the reserved card changing method based on the 5G message further comprises the following steps:
when the 5G message server judges that the account balance is less than the reserved card-changing fee, sending a fee-paying card information input request;
the method comprises the steps that when a client receives a payment card information input request, a payment card number and a row to which a payment card belongs, which are input by a user, are received; sending the card number of the payment card and the row of the payment card to a 5G message server;
the 5G message server sends the card number of the payment card and the line to which the payment card belongs to a bank end of the line to which the payment card is reserved to be changed;
the bank terminal of the row to which the reserved card is to be changed sends the reserved card-changing fee amount, the card number of the payment card, the row to which the payment card belongs and the biological characteristic information of the user to the row to which the payment card belongs;
the bank end of the bank to which the payment card belongs judges whether the sent biological characteristic information is consistent with the locally stored biological characteristic information, if so, the reserved card-changing expense amount in the payment card account is transferred to the account of the bank to which the reserved card-changing belongs, and a fee deduction completion notice is returned to the client;
when receiving the fee deduction completion notification, the client inputs and acquires the mailing address information of the user; and sending the mailing address information of the user to the bank end.
2. The reserved card-changing method based on 5G message as claimed in claim 1, further comprising: and if the sent biological characteristic information is inconsistent with the pre-stored biological characteristic information, sending a message of refusing to reserve the card to be changed to the client.
3. The reserved card-changing method based on 5G message as claimed in claim 1, further comprising: and adding the result of the reserved card change into the block chain.
4. A reserved card changing method based on 5G messages is characterized by comprising the following steps:
receiving card information and a mobile phone number of a user;
inquiring whether a user consistent with the sent card information and the mobile phone number exists; the card information is obtained by identifying the card image; the card image is the card image obtained by the user when the card reservation request is received in the 5G message;
if yes, sending the user confirmation information to a 5G message server;
comparing the sent biological characteristic information with the pre-stored biological characteristic information;
if the user name is consistent with the bank card name, the balance of the account of the bank card under the user name of the line to which the reserved card is changed is inquired;
returning the account balance and the preset reserved card change cost to the 5G message server;
when receiving the mailing address information of the user, completing the card change reservation;
the reserved card changing method based on the 5G message further comprises the following steps:
sending the reserved card-changing fee amount, the card number of the payment card, the line to which the payment card belongs and the biological characteristic information of the user to the line to which the payment card belongs;
and judging whether the sent biological characteristic information is consistent with the locally stored biological characteristic information, if so, transferring the reserved card-changing expense amount in the payment card account into an account of the bank to which the reserved card-changing belongs, and returning a fee deduction completion notice to the client.
5. A reservation card changing system based on 5G messages is characterized by comprising:
the client is used for receiving a reservation card changing request of a user in the 5G message; when receiving a card change reservation request, acquiring a card image of a user; sending the card image of the user to a 5G message server through a 5G network; receiving an authentication request in a 5G message; when an identity authentication request is received, acquiring biological characteristic information of a user, and sending the biological characteristic information to a 5G message server; receiving a charge deduction request in a 5G message; when a charge deduction confirmation instruction input by a user according to a charge deduction request is received, obtaining mailing address information of the user; sending the mailing address information of the user to a bank end;
the 5G message server is used for identifying the card image to obtain card information; sending the card information and the mobile phone number of the user to a bank terminal of a bank where the card change is reserved; when receiving the user confirmation information, sending an identity authentication request to a client; sending the biological characteristic information to a bank terminal of a bank where the card change is reserved; when the account balance is judged to be larger than the reserved card-changing fee, sending a fee deduction request to the client;
the bank end of the bank where the reserved card is changed is used for inquiring whether a user consistent with the sent card information and the mobile phone number exists or not, and if yes, the user confirmation information is sent to the 5G message server; comparing the sent biological characteristic information with pre-stored biological characteristic information, if the biological characteristic information is consistent with the pre-stored biological characteristic information, inquiring the account balance of the bank card under the name of the user of the bank to which the reserved card changing belongs, and returning the account balance and the preset reserved card changing cost to the 5G message server; when receiving the mailing address information of the user, completing the card change reservation;
the 5G message server is also used for sending a payment card information input request when the account balance is judged to be less than the reserved card-changing fee; sending the card number of the payment card and the line to which the payment card belongs to a bank end of the line to which the reserved card is changed;
the client is also used for receiving the payment card number and the row of the payment card input by the user when receiving the payment card information input request; sending the card number of the payment card and the row of the payment card to a 5G message server; when receiving a fee deduction completion notification, inputting and acquiring mailing address information of a user; sending the mailing address information of the user to the bank terminal
The bank end of the row to which the reserved card change belongs is also used for sending the reserved card change fee amount, the card number of the payment card, the row to which the payment card belongs and the biological characteristic information of the user to the row to which the payment card belongs;
the reserved card-changing system based on the 5G message further comprises: and the bank end of the bank to which the payment card belongs is used for judging whether the sent biological characteristic information is consistent with the locally stored biological characteristic information or not, if so, transferring the reserved card-changing expense amount in the payment card account into the bank account to which the reserved card-changing belongs, and returning a fee deduction completion notice to the client.
6. A reserved card-changing bank terminal based on 5G messages is characterized by comprising:
the receiving unit is used for receiving the card information and the mobile phone number of the user;
the inquiry unit is used for inquiring whether a user consistent with the sent card information and the mobile phone number exists; the card information is obtained by identifying the card image; the card image is the card image obtained by the user when the card reservation request is received in the 5G message;
the sending unit is used for sending the user confirmation information to the 5G message server if the user confirmation information exists; returning the account balance and the preset reserved card change cost to the 5G message server;
the comparison unit is used for comparing the sent biological characteristic information with the pre-stored biological characteristic information;
the balance inquiry unit is used for inquiring the account balance of the bank card under the name of the user of the bank where the reserved card is changed if the sent biological characteristic information is consistent with the biological characteristic information stored in advance;
the reservation processing unit is used for finishing reservation card replacement when receiving the mailing address information of the user;
the sending unit is also used for sending the reserved card-changing fee amount, the card number of the payment card, the line to which the payment card belongs and the biological characteristic information of the user to the line to which the payment card belongs; returning a fee deduction completion notice to the client;
the reserved card-changing bank terminal based on the 5G message further comprises:
a judging unit for judging whether the sent biological characteristic information is consistent with the biological characteristic information stored locally;
and the fee deduction processing unit is used for transferring the reserved card-changing fee amount in the payment card account into the bank account to which the reserved card-changing belongs if the sent biological characteristic information is consistent with the locally stored biological characteristic information.
7. 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.
8. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
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