CN113962746A - Point exchange method and device based on mobile banking - Google Patents
Point exchange method and device based on mobile banking Download PDFInfo
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Abstract
The invention discloses a credit exchange method and a device based on a mobile banking, which relate to the field of artificial intelligence, and the method comprises the following steps: after a user logs in a mobile phone bank, judging whether the user is real-name authentication; if the authentication is real-name authentication, adding a mobile phone number through a mobile phone bank, judging the affiliated operator based on the mobile phone number, and finishing the mutual trust operation between the mobile phone bank and the affiliated operator; after mutual communication is completed, the mobile phone number is sent to the affiliated operator, and the affiliated operator returns the integral under the corresponding mobile phone number; and carrying out commodity exchange based on the points, and deducting the corresponding points from the affiliated operator after the exchange is successful. According to the invention, the mobile phone numbers under a plurality of user names can be added and exchanged in a centralized manner through the mobile phone bank, so that the customer experience is improved, and more customers are attracted.
Description
Technical Field
The invention relates to the technical field of artificial intelligence, in particular to a point exchange method and device based on a mobile phone bank.
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, the mobile phone number points of users in each operator are mutually independent, the points under a plurality of user names cannot be exchanged in a centralized mode, the points of different operators under the same user name cannot be exchanged in a centralized mode, and due to the fact that few points of some users can be exchanged, the users give up exchanging, and the points are wasted.
Disclosure of Invention
The embodiment of the invention provides a point exchange method based on a mobile banking, which is used for solving the technical problems that the exchange of points is abandoned and the points are wasted by a user due to the fact that the points of a mobile phone are few and the exchanged objects are limited, and comprises the following steps:
after a user logs in a mobile phone bank, judging whether the user is real-name authentication;
if the authentication is real-name authentication, adding a mobile phone number through a mobile phone bank, judging the affiliated operator based on the mobile phone number, and finishing the mutual trust operation between the mobile phone bank and the affiliated operator;
after mutual communication is completed, the mobile phone number is sent to the affiliated operator, and the affiliated operator returns the integral under the corresponding mobile phone number;
and carrying out commodity exchange based on the points, and deducting the corresponding points from the affiliated operator after the exchange is successful.
The embodiment of the invention also provides a credit exchange device based on the mobile banking, which is used for solving the technical problems that the user abandons the exchange and wastes credits due to the fact that the credit of the mobile phone is few and the exchangeable things are limited, and the device comprises:
the real-name authentication checking module is used for judging whether the user is real-name authentication or not after the user logs in the mobile phone bank;
the mobile phone bank and operator mutual trust module is used for adding a mobile phone number through the mobile phone bank if the mobile phone bank and the operator mutual trust module judge that the mobile phone bank and the operator belong to the same name authentication, and finishing the mutual trust operation of the mobile phone bank and the operator;
the mobile phone number integral inquiring module is used for sending the mobile phone number to the affiliated operator after mutual communication is finished, and returning the integral under the corresponding mobile phone number by the affiliated operator;
and the point exchange module is used for exchanging commodities based on the points, and deducting the corresponding points from the affiliated operator after the exchange is successful.
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 be run on the processor, wherein the processor executes the computer program to realize the credit exchange method based on the mobile banking.
The embodiment of the invention also provides a computer readable storage medium, on which a computer program is stored, and when the program is executed by a processor, the steps of the point redemption method based on the mobile banking are realized.
Compared with the technical scheme that in the prior art, the scores of the mobile phone numbers of the users in each operator are independent from each other, the scores under a plurality of user names cannot be exchanged in a centralized manner, the scores of different operators under the same user name cannot be exchanged in a centralized manner, and the scores of some users are limited because the scores are few and can be exchanged, so that the users give up exchanging, and waste the scores, the embodiment of the invention judges whether the users are real-name authentication or not after the users log in a mobile phone bank; if the authentication is real-name authentication, adding a mobile phone number through a mobile phone bank, judging the affiliated operator based on the mobile phone number, and finishing the mutual trust operation between the mobile phone bank and the affiliated operator; after mutual communication is completed, the mobile phone number is sent to the affiliated operator, and the affiliated operator returns the integral under the corresponding mobile phone number; the invention can add and exchange the mobile phone number scores under a plurality of user names in a centralized way through a mobile phone bank, thereby improving the customer experience and attracting more customers.
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 flowchart of a point exchange method based on a mobile banking in the embodiment of the present invention;
fig. 2 is a flowchart of a point redemption method based on a mobile banking system in the embodiment of the present invention;
fig. 3 is a flowchart of a point exchange method based on a mobile banking in the embodiment of the present invention;
fig. 4 is a flowchart of a point redemption method based on a mobile banking system in the embodiment of the present invention;
fig. 5 is a flow chart of a point redemption method based on a mobile banking in the embodiment of the present invention;
fig. 6 is a structural block diagram of a point redemption device based on a mobile banking 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.
Interpretation of terms:
token: the server generates a string of character strings to serve as a Token requested by the client, after the server logs in for the first time, the server generates a Token to return the Token to the client, and the client only needs to bring the Token to request data before the client later.
Fig. 1 is a first flowchart of a point redemption method based on a mobile banking in the embodiment of the present invention, as shown in fig. 1, the method includes:
step 101: after a user logs in a mobile phone bank, judging whether the user is real-name authentication;
step 102: if the authentication is real-name authentication, adding a mobile phone number through a mobile phone bank, judging the affiliated operator based on the mobile phone number, and finishing the mutual trust operation between the mobile phone bank and the affiliated operator;
step 103: after mutual communication is completed, the mobile phone number is sent to the affiliated operator, and the affiliated operator returns the integral under the corresponding mobile phone number;
step 104: and carrying out commodity exchange based on the points, and deducting the corresponding points from the affiliated operator after the exchange is successful.
In the embodiment of the present invention, as shown in fig. 2, the method further includes:
step 201: and if the non-real-name authentication is judged, performing real-name authentication.
Specifically, after the user logs in the mobile phone bank, whether the user is authenticated by the real name or not is judged, and if the user is authenticated by the real name, the subsequent exchange operation is allowed; and if the user is a non-real-name authentication user, guiding the user to perform real-name authentication, namely, using the existing bank card binding function to realize the real-name authentication of the user, and performing exchange operation after authentication.
In the embodiment of the present invention, as shown in fig. 3, step 102 determines the affiliated operator based on the mobile phone number, and completes the mutual trust operation between the mobile phone bank and the affiliated operator, including:
step 301: judging the affiliated operator based on the mobile phone number, sending the unique character string and the user ID of the login mobile phone bank to the affiliated operator through a mobile phone bank, receiving a token returned by the affiliated operator, and finishing mutual trust;
and the operator inquires the three elements of the login mobile phone bank user in the mobile phone bank according to the unique character string and the login mobile phone bank user ID, checks the inquired three elements with the three elements stored by the operator, and returns token after checking.
Specifically, the user can add the mobile phone number score of any user to the name of the user at the mobile phone bank end. When the user adds the mobile phone number integration, the operator is judged according to the mobile phone number, the mobile phone bank end sends a unique character string and a user ID to the operator, and the unique character string is called CODE for short. After receiving the CODE and the user ID, the operator queries four elements of the user at a mobile banking end through the CODE and the user ID, wherein the four elements comprise: name, certificate type, certificate number, mobile phone number. And after the operator takes the four elements of the user, the operator finishes checking the user information stored by the operator, and if the checking is successful, the token is returned to the mobile phone bank end to finish the mutual trust process. Any subsequent request initiated by the mobile banking terminal needs to be uploaded to the token. And if the operator checks the inquired three elements with the three elements stored by the operator, and if the check fails, returning mutual trust failure information.
Different operators can return different tokens, and when the mobile phone bank sends a request to the corresponding operator, the corresponding token can be uploaded.
In the embodiment of the present invention, as shown in fig. 4, step 103 sends the mobile phone number to the affiliated operator, and the affiliated operator returns the score under the corresponding mobile phone number, where the method includes:
step 401: and sending the mobile phone number to the affiliated operator, sending a short message verification code to the corresponding mobile phone number by the affiliated operator, inputting the short message verification code through a mobile phone bank, sending the short message verification code to the corresponding operator, verifying by the corresponding operator, and receiving the credit under the corresponding mobile phone number returned by the operator if the verification is passed. After the mobile phone bank receives the points, the subsequent users can check and use the points if the points are added successfully.
Specifically, if the mobile phone number belongs to the mobile phone number under the user name of the login mobile phone bank, the mobile phone bank and the operator realize mutual trust, and the authentication can be completed even if the short message verification code is not passed. However, when the mobile phone number does not belong to the mobile phone number under the login mobile phone bank user name, authentication needs to be completed, and the risk problem is prevented.
The input mobile phone number may include the own mobile phone number of the login mobile banking user, or may be the mobile phone number of the user (such as a friend, a relative, a colleague, and the like) related to the login mobile banking user, as long as the login mobile banking user can legally obtain the mobile phone number and the verification code of the other party.
In the embodiment of the present invention, as shown in fig. 5, step 104 is to perform commodity redemption based on the points, and includes:
step 501: and during exchange, judging whether the scores under each mobile phone number are sufficient, if so, directly utilizing the sufficient scores to exchange, and if not, after the score of one mobile phone number is used up, continuing to use the score of the next mobile phone number until the score meets the required score for commodity exchange.
Specifically, after the user successfully adds the mobile phone number credits, all the added credits can be checked. If the user adds 500 credits for a friend and 1000 credits for a colleague, the user has 1500 credits. The user can use the points in a centralized manner to select commodities for exchange, and after the exchange is successful, corresponding points are deducted from the operator respectively. If the user redeems the points for 1300, wherein the points 500 are moved and the points 800 are telecom, the points 500 and 800 are deducted from the mobile and telecom operators respectively.
And accumulating and using the points corresponding to the mobile phone numbers during exchange. And judging whether the credit under each mobile phone number is sufficient, and if not, continuing to use the credit of the next mobile phone number until the required credit for redemption is met.
The embodiment of the invention also provides a credit exchange device based on the mobile banking, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the point exchange method based on the mobile banking, the implementation of the device can refer to the implementation of the point exchange method based on the mobile banking, and repeated parts are not described again.
Fig. 6 is a block diagram of a structure of a point redemption device based on a mobile banking in the embodiment of the present invention, as shown in fig. 6, the device includes:
the real-name authentication checking module 02 is used for judging whether the user is real-name authentication after the user logs in the mobile phone bank;
the mobile phone bank and operator mutual trust module 04 is used for adding a mobile phone number through the mobile phone bank if the real name authentication is judged, judging the affiliated operator based on the mobile phone number, and completing the mutual trust operation between the mobile phone bank and the affiliated operator;
the inquiry mobile phone number integral module 06 is used for sending the mobile phone number to the affiliated operator after mutual communication is completed, and returning the integral under the corresponding mobile phone number by the affiliated operator;
and the point exchange module 08 is used for exchanging commodities based on the points, and deducting the corresponding points from the affiliated operator after the exchange is successful.
In the embodiment of the present invention, the real-name authentication checking module is further configured to:
and if the non-real-name authentication is judged, performing real-name authentication.
In the embodiment of the present invention, the mobile banking and operator mutual trust module is specifically configured to:
judging the affiliated operator based on the mobile phone number, sending the unique character string and the user ID of the login mobile phone bank to the affiliated operator through a mobile phone bank, receiving a token returned by the affiliated operator, and finishing mutual trust;
and the operator inquires the three elements of the login mobile phone bank user in the mobile phone bank according to the unique character string and the login mobile phone bank user ID, checks the inquired three elements with the three elements stored by the operator, and returns token after checking.
In the embodiment of the present invention, the module for querying the mobile phone number is specifically configured to:
and sending the mobile phone number to the affiliated operator, sending a short message verification code to the corresponding mobile phone number by the affiliated operator, inputting the short message verification code through a mobile phone bank, sending the short message verification code to the corresponding operator, verifying by the corresponding operator, and receiving the credit under the corresponding mobile phone number returned by the operator if the verification is passed.
In an embodiment of the present invention, the credit redemption module is specifically configured to:
and during exchange, judging whether the scores under each mobile phone number are sufficient, if so, directly utilizing the sufficient scores to exchange, and if not, after the score of one mobile phone number is used up, continuing to use the score of the next mobile phone number until the score meets the required score for commodity exchange.
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 be run on the processor, wherein the processor executes the computer program to realize the credit exchange method based on the mobile banking.
The embodiment of the invention also provides a computer readable storage medium, on which a computer program is stored, and when the program is executed by a processor, the steps of the point redemption method based on the mobile banking are realized.
Compared with the technical scheme that in the prior art, the scores of the mobile phone numbers of the users in each operator are independent from each other, the scores under a plurality of user names cannot be exchanged in a centralized manner, the scores of different operators under the same user name cannot be exchanged in a centralized manner, and the scores of some users are limited because the scores are few and can be exchanged, so that the users give up exchanging, and waste the scores, the embodiment of the invention judges whether the users are real-name authentication or not after the users log in a mobile phone bank; if the authentication is real-name authentication, adding a mobile phone number through a mobile phone bank, judging the affiliated operator based on the mobile phone number, and finishing the mutual trust operation between the mobile phone bank and the affiliated operator; after mutual communication is completed, the mobile phone number is sent to the affiliated operator, and the affiliated operator returns the integral under the corresponding mobile phone number; the invention can add and exchange the mobile phone number scores under a plurality of user names in a centralized way through a mobile phone bank, thereby improving the customer experience and attracting more customers.
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 (12)
1. A point exchange method based on a mobile banking is characterized by comprising the following steps:
after a user logs in a mobile phone bank, judging whether the user is real-name authentication;
if the authentication is real-name authentication, adding a mobile phone number through a mobile phone bank, judging the affiliated operator based on the mobile phone number, and finishing the mutual trust operation between the mobile phone bank and the affiliated operator;
after mutual communication is completed, the mobile phone number is sent to the affiliated operator, and the affiliated operator returns the integral under the corresponding mobile phone number;
and carrying out commodity exchange based on the points, and deducting the corresponding points from the affiliated operator after the exchange is successful.
2. The mobile banking-based credit redemption method of claim 1, further comprising:
and if the non-real-name authentication is judged, performing real-name authentication.
3. The credit exchange method based on the mobile phone bank as claimed in claim 1, wherein the determining of the operator based on the mobile phone number completes the mutual trust operation between the mobile phone bank and the operator, comprising:
judging the affiliated operator based on the mobile phone number, sending the unique character string and the user ID of the login mobile phone bank to the affiliated operator through a mobile phone bank, receiving a token returned by the affiliated operator, and finishing mutual trust;
and the operator inquires the three elements of the login mobile phone bank user in the mobile phone bank according to the unique character string and the login mobile phone bank user ID, checks the inquired three elements with the three elements stored by the operator, and returns token after checking.
4. The credit redemption method based on mobile banking as claimed in claim 1 wherein sending the mobile phone number to the affiliated operator, and returning the credit under the corresponding mobile phone number by the affiliated operator includes:
and sending the mobile phone number to the affiliated operator, sending a short message verification code to the corresponding mobile phone number by the affiliated operator, inputting the short message verification code through a mobile phone bank, sending the short message verification code to the corresponding operator, verifying by the corresponding operator, and receiving the credit under the corresponding mobile phone number returned by the operator if the verification is passed.
5. The method for exchanging credit based on mobile banking as claimed in claim 1, wherein the exchanging goods based on the credit comprises:
and during exchange, judging whether the scores under each mobile phone number are sufficient, if so, directly utilizing the sufficient scores to exchange, and if not, after the score of one mobile phone number is used up, continuing to use the score of the next mobile phone number until the score meets the required score for commodity exchange.
6. The utility model provides a point exchange device based on cell-phone bank which characterized in that includes:
the real-name authentication checking module is used for judging whether the user is real-name authentication or not after the user logs in the mobile phone bank;
the mobile phone bank and operator mutual trust module is used for adding a mobile phone number through the mobile phone bank if the mobile phone bank and the operator mutual trust module judge that the mobile phone bank and the operator belong to the same name authentication, and finishing the mutual trust operation of the mobile phone bank and the operator;
the mobile phone number integral inquiring module is used for sending the mobile phone number to the affiliated operator after mutual communication is finished, and returning the integral under the corresponding mobile phone number by the affiliated operator;
and the point exchange module is used for exchanging commodities based on the points, and deducting the corresponding points from the affiliated operator after the exchange is successful.
7. The mobile banking-based credit redemption device of claim 6, wherein the real-name authentication check module is further configured to:
and if the non-real-name authentication is judged, performing real-name authentication.
8. The credit exchange device based on the mobile banking as claimed in claim 6, wherein the mobile banking and operator mutual trust module is specifically configured to:
judging the affiliated operator based on the mobile phone number, sending the unique character string and the user ID of the login mobile phone bank to the affiliated operator through a mobile phone bank, receiving a token returned by the affiliated operator, and finishing mutual trust;
and the operator inquires the three elements of the login mobile phone bank user in the mobile phone bank according to the unique character string and the login mobile phone bank user ID, checks the inquired three elements with the three elements stored by the operator, and returns token after checking.
9. The mobile banking-based credit exchange device as claimed in claim 6, wherein the inquiry mobile phone number credit module is specifically configured to:
and sending the mobile phone number to the affiliated operator, sending a short message verification code to the corresponding mobile phone number by the affiliated operator, inputting the short message verification code through a mobile phone bank, sending the short message verification code to the corresponding operator, verifying by the corresponding operator, and receiving the credit under the corresponding mobile phone number returned by the operator if the verification is passed.
10. The mobile banking-based credit redemption device of claim 6, wherein the credit redemption module is specifically configured to:
and during exchange, judging whether the scores under each mobile phone number are sufficient, if so, directly utilizing the sufficient scores to exchange, and if not, after the score of one mobile phone number is used up, continuing to use the score of the next mobile phone number until the score meets the required score for commodity exchange.
11. 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 for exchanging credit based on mobile banking as claimed in any one of claims 1 to 5 when executing the computer program.
12. A computer-readable storage medium, on which a computer program is stored, wherein the program, when executed by a processor, implements the steps of the method for cellphone bank-based point redemption according to any one of claims 1 to 5.
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| CN111372238A (en) * | 2018-12-25 | 2020-07-03 | 金联汇通信息技术有限公司 | Login method, login device, electronic equipment and computer-readable storage medium |
| CN110400156A (en) * | 2019-07-01 | 2019-11-01 | 武汉歌云网络科技有限公司 | A kind of novel micro member card management system |
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