CN114782049A - Subsidy fund issuing method and device, storage medium and electronic equipment - Google Patents

Subsidy fund issuing method and device, storage medium and electronic equipment Download PDF

Info

Publication number
CN114782049A
CN114782049A CN202210442112.7A CN202210442112A CN114782049A CN 114782049 A CN114782049 A CN 114782049A CN 202210442112 A CN202210442112 A CN 202210442112A CN 114782049 A CN114782049 A CN 114782049A
Authority
CN
China
Prior art keywords
subsidy
information
release
fund
message
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN202210442112.7A
Other languages
Chinese (zh)
Inventor
徐雪梅
马灵通
曹艳松
姚彦君
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Bank of China Ltd
Original Assignee
Bank of China Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Bank of China Ltd filed Critical Bank of China Ltd
Priority to CN202210442112.7A priority Critical patent/CN114782049A/en
Publication of CN114782049A publication Critical patent/CN114782049A/en
Pending legal-status Critical Current

Links

Images

Classifications

    • 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
    • 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
    • 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/26—Government or public services

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Marketing (AREA)
  • Tourism & Hospitality (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Primary Health Care (AREA)
  • Health & Medical Sciences (AREA)
  • Human Resources & Organizations (AREA)
  • General Health & Medical Sciences (AREA)
  • Educational Administration (AREA)
  • Technology Law (AREA)
  • Computer Security & Cryptography (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The application discloses a subsidy fund issuing method and device, a storage medium and electronic equipment, which can be applied to the field of finance. The method comprises the following steps: determining the release information when the fund release result of the currently released subsidy fund is monitored as the release failure; generating corresponding 5G information, sending the 5G information to the subsidy object, prompting the subsidy object to correct the release information, and inputting identity verification information to apply for reissuing subsidy funds; when receiving the corrected issuing information and the identity verification information, performing identity verification on the subsidy object; if the identification passes the authentication, the checked release information is sent to the civil administration system, so that the civil administration system can confirm whether to release subsidy funds again; and when an instruction for confirming that the subsidy funds are issued again is received, the subsidy funds are issued again to the subsidy object. By applying the method, the user can apply for reissuing the subsidies without going to the website or operating the APP, the process is convenient and quick, and the user experience can be improved.

Description

Subsidy fund issuing method and device, storage medium and electronic equipment
Technical Field
The invention relates to the technical field of finance, in particular to a subsidy fund issuing method and device, a storage medium and electronic equipment.
Background
In the operation process of a bank, processing subsidy fund issuing transactions of a civil administration department is one of common businesses, namely, subsidy funds which are required to be issued to subsidy people by the civil administration department are issued to accounts of subsidy objects.
The subsidy fund issuing process of the civil administration department generally comprises the steps that the civil administration department sends an issuing name form to a bank, the bank checks relevant information of the subsidy object, then corresponding fund issuing transaction is executed, and if the transaction fails, the fund issuing is stopped.
At present, if the subsidy fund is failed to be released, a client receiving the subsidy needs to apply for re-releasing the subsidy fund. In the existing subsidy fund issuing process, if the subsidy fund issuing fails, a customer needs to go to a bank outlet or perform complaint operations such as information verification and the like through an APP (application program) such as a mobile phone bank and the like so as to apply for reissuing the subsidy fund. Based on the existing subsidy fund issuing method, if the fund issuing fails, the customer needs to go to a website or operate an APP to apply for reissuing the subsidy fund, the process is complicated, a lot of inconvenience is brought to the customer, and the user experience is poor.
Disclosure of Invention
In view of this, the embodiment of the present invention provides a method for releasing subsidy funds, so as to solve the problems that, in the case of failure in releasing subsidy funds, a customer needs to go to a website or operate an APP to apply for reissuing the subsidy funds, the process is relatively complicated, and the user experience is relatively poor.
The embodiment of the invention also provides a subsidy fund issuing device which is used for ensuring the actual realization and application of the method.
In order to achieve the above purpose, the embodiments of the present invention provide the following technical solutions:
a subsidy funds release method comprising:
monitoring a fund release result corresponding to the subsidy fund in the process of releasing the subsidy fund to the subsidy object;
when the fund release result is monitored to be the release failure, the release information corresponding to the subsidy fund is determined;
generating a 5G message corresponding to the subsidy object, wherein the 5G message comprises the issuing information and the identity verification link;
sending the 5G message to the subsidy object, prompting the subsidy object to correct the release information based on the 5G message, and prompting the subsidy object to input authentication information through the authentication link so as to apply for reissuing the subsidy fund;
when receiving the corrected issuing information sent by the subsidy object and the identity verification information input by the subsidy object, performing identity verification on the subsidy object according to the identity verification information input by the subsidy object;
if the subsidy object passes the identity verification, sending the corrected release information to a civil administration system, and enabling the civil administration system to confirm whether the subsidy fund is released again;
and when the subsidy issuing system of the bank receives the instruction that the civil administration system confirms to issue the subsidy fund again, the subsidy fund is issued to the subsidy object again.
Optionally, the determining of the release information corresponding to the subsidy fund includes:
acquiring a user name, a certificate type, a certificate number, a user account, a subsidy type and a subsidy amount corresponding to the subsidy object;
and taking the user name, the certificate type, the certificate number, the user account number, the subsidy type and the subsidy amount as the issuing information.
Optionally, the sending the 5G message to the subsidy object by the method includes:
determining the mobile phone number of the subsidy object;
and sending the 5G message to the mobile phone number of the subsidy object so as to send the 5G message to the subsidy object.
Optionally, the method for prompting the subsidy object to input the authentication information through the authentication link includes:
and prompting the subsidy object to click the authentication link so as to jump to a video input interface corresponding to the authentication link, and recording a video in the video input interface so as to realize the input of authentication information.
Optionally, in the method, the authenticating the subsidy object according to the authentication information input by the subsidy object includes:
determining reserved identity information corresponding to the subsidy object;
judging whether the identity authentication information input by the subsidy object is matched with the reserved identity information;
and if the identity authentication information input by the subsidy object is matched with the reserved identity information, determining that the subsidy object passes identity authentication.
A subsidy funds release apparatus comprising:
the monitoring unit is used for monitoring a fund release result corresponding to the subsidy fund in the process of releasing the subsidy fund to the subsidy object;
the determining unit is used for determining the release information corresponding to the subsidy fund when the fund release result is monitored to be the release failure;
the generating unit is used for generating a 5G message corresponding to the subsidy object, wherein the 5G message comprises the issuing information and the identity verification link;
the first sending unit is used for sending the 5G message to the subsidy object, prompting the subsidy object to correct the issuing information based on the 5G message, and prompting the subsidy object to input identity verification information through the identity verification link so as to apply for reissuing the subsidy fund;
the verification unit is used for verifying the identity of the subsidy object according to the identity verification information input by the subsidy object when receiving the corrected issuing information sent by the subsidy object and the identity verification information input by the subsidy object;
the second sending unit is used for sending the corrected issuing information to a civil administration system if the subsidy object passes the identity verification, so that the civil administration system can confirm whether to issue the subsidy fund again;
and the release unit is used for releasing the subsidy funds to the subsidy object again when the subsidy release system of the bank receives the instruction that the civil administration system confirms to release the subsidy funds again.
The above apparatus, optionally, the determining unit includes:
the acquiring subunit is used for acquiring the user name, the certificate type, the certificate number, the user account number, the subsidy type and the subsidy amount corresponding to the subsidy object;
and the first determining subunit is used for taking the user name, the certificate type, the certificate number, the user account number, the subsidy type and the subsidy amount as the issuing information.
Optionally, the apparatus mentioned above, the first sending unit includes:
the second determining subunit is used for determining the mobile phone number of the subsidy object;
and the sending subunit is configured to send the 5G message to the mobile phone number of the subsidy object, so as to send the 5G message to the subsidy object.
A storage medium comprising stored instructions, wherein the instructions, when executed, control a device on which the storage medium is located to perform a subsidy funds release method as described above.
An electronic device comprising a memory, and one or more instructions, wherein the one or more instructions are stored in the memory and configured to be executed by one or more processors to perform a subsidy funds release method as described above.
Based on the embodiment of the invention, the subsidy fund issuing method comprises the following steps: in the process of releasing subsidy funds to the subsidy object, when the condition that the fund release result corresponding to the subsidy funds is failed to release is monitored, the release information corresponding to the subsidy funds is determined; generating a 5G message corresponding to the subsidy object, sending the 5G message to the subsidy object, prompting the subsidy object to correct the release information based on the 5G message, and inputting the authentication information through the authentication link to apply for reissuing the subsidy fund; when receiving the corrected issuing information sent by the subsidy object and the identity verification information input by the subsidy object, performing identity verification on the subsidy object according to the identity verification information input by the subsidy object; if the subsidy object passes the identity verification, sending the checked release information to the civil administration system, and enabling the civil administration system to confirm whether the subsidy fund is released again; and when an instruction that the civil administration system confirms to issue the subsidy funds again is received, the subsidy funds are issued to the subsidy objects again. By applying the method provided by the embodiment of the invention, under the condition that the subsidy fund is failed to be issued, the subsidy object can carry out information interaction with the subsidy object through the 5G message, the subsidy object can correct the issuing information and input the identity verification information based on the 5G message to apply for reissuing the subsidy fund, the subsidy object does not need to go to a website or operate an APP, the application process is simple and convenient, the time consumed by a user for applying for the fund issuing can be saved, various users can conveniently complete the application operation, and the service experience of the user can be improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a flowchart of a method of subsidy fund release according to an embodiment of the present invention;
FIG. 2 is a flowchart of another method of a subsidy funds release method according to an embodiment of the present invention;
FIG. 3 is an exemplary diagram of a subsidy funds release process according to an embodiment of the present invention;
FIG. 4 is a schematic structural diagram of a subsidy funds release apparatus according to an embodiment of the present invention;
FIG. 5 is a schematic view of another structure of a subsidy funds release apparatus according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In this application, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in the process, method, article, or apparatus that comprises the element.
It can be known from the background art that in the actual release process of subsidy funds, the release failure condition exists due to the influence of factors such as non-standard information or unstable bank system processing. At this time, the customer needs to go to the bank outlet or use the bank APP to apply for reissuing the subsidy funds. In general, going to a banking site causes many inconveniences to customers, such as consumption of journey time, consumption of business waiting time, and the like. Using bank APPs may provide some convenience to some customers. However, in actual life, there are a certain proportion of subsidy people, such as the elderly, who are not good at using electronic products, and for customers who do not have the APP use habit of the bank, the APPs still need to be downloaded, the customers can complete the corresponding application operation by being familiar with the APP operation, and inconvenience is brought to the customers.
Therefore, the embodiment of the invention provides a subsidy fund issuing method, which is based on 5G information and information interaction with a client to complete the application of reissuing the subsidy fund, and does not need a user to go to a bank outlet or operate an APP (application program), so that the application process of reissuing the subsidy fund can be simplified, and the service convenience is improved.
The embodiment of the invention provides a subsidy fund issuing method, which can be applied to a subsidy fund issuing platform, wherein an execution subject of the method can be a server of the platform, and a method flow chart of the method is shown in figure 1 and comprises the following steps:
s101: monitoring a fund release result corresponding to the subsidy fund in the process of releasing the subsidy fund to the subsidy object;
in the method provided by the embodiment of the invention, the subsidy issuing system of the bank can process the transaction process of each subsidy fund at a pre-appointed time according to the subsidy issuing information provided by the civil administration department, and issues the corresponding subsidy fund to each subsidy object, wherein the subsidy object refers to a customer receiving the subsidy. And issuing the subsidy funds to the subsidy object, namely processing the transfer transaction of the subsidy funds and transferring the subsidy funds to an account of the subsidy object. In the process of issuing the subsidy funds corresponding to each subsidy object, the fund issuing result corresponding to the currently issued subsidy funds, namely the transaction result of the transfer transaction of the subsidy funds, can be monitored.
S102: when the fund release result is monitored to be the release failure, the release information corresponding to the subsidy fund is determined;
in the method provided by the embodiment of the invention, when the transfer transaction of the currently issued subsidized funds generates a transaction result, whether the fund issuing result is a failure in issuing can be monitored, and when the fund issuing result is a failure in issuing, relevant data of the transfer transaction can be obtained from the database so as to determine issuing information corresponding to the subsidized funds, such as a payee name, an account number, a transfer amount and the like.
S103: generating a 5G message corresponding to the subsidy object, wherein the 5G message comprises the issuing information and the identity verification link;
in the method provided by the embodiment of the invention, the 5G message corresponding to the subsidy object can be generated based on the release information and the preset 5G message generation strategy. The 5G message includes the release information of the subsidized funds and an authentication link for entering authentication information. The 5G message provides an information editing function in which the user can edit the issuance information therein and can click on the authentication link to enter the authentication information. The 5G message may also include information content that describes the situation, such as information source, failure to release a subsidy, etc.
S104: sending the 5G message to the subsidy object, prompting the subsidy object to correct the release information based on the 5G message, and prompting the subsidy object to input authentication information through the authentication link so as to apply for reissuing the subsidy fund;
in the method provided by the embodiment of the invention, the 5G message can be sent to the subsidy object through the 5G message center to prompt the subsidy object to correct the release information, and the identity verification information is input to apply for reissuing the subsidy funds which are failed to release currently through the 5G message. The subsidized object may reply with relevant information based on the received 5G message.
S105: when receiving the corrected issuing information sent by the subsidy object and the identity verification information input by the subsidy object, performing identity verification on the subsidy object according to the identity verification information input by the subsidy object;
in the method provided by the embodiment of the invention, when the proofread issuing information and the identity verification information which are sent by the subsidy object based on the 5G message are received, the identity verification can be carried out based on the received identity verification information.
S106: if the subsidy object passes the identity verification, sending the corrected release information to a civil administration system, and enabling the civil administration system to confirm whether the subsidy fund is released again;
in the method provided by the embodiment of the invention, if the identity authentication is passed, the corrected issuing information is sent to a civil administration system, which can be a system used by a civil administration department for managing subsidy issuing. After receiving the information, the civil administration system can confirm whether to release subsidy funds again according to the information.
S107: and when the subsidy issuing system of the bank receives the instruction that the civil administration system confirms to issue the subsidy funds again, the subsidy funds are issued to the subsidy object again.
In the method provided by the embodiment of the invention, when the civil administration system confirms to release the subsidy funds again, the corresponding instruction can be sent to the subsidy release system of the bank so as to instruct the subsidy release system to release the subsidy funds to the subsidy object again. When the subsidy issuing system receives the instruction that the civil administration system confirms to issue the subsidy funds again, the subsidy funds can be issued to the subsidy objects again based on the checked issuing information, namely, the corresponding transfer transaction is triggered.
Based on the method provided by the embodiment of the invention, when the fund release result corresponding to the subsidy fund released to the subsidy object is detected to be the release failure, the release information corresponding to the subsidy fund can be determined; generating a corresponding 5G message, wherein the 5G message comprises the issuing information and the identity verification link; sending the 5G message to the subsidy object, prompting the subsidy object to correct the release information based on the 5G message, and inputting the identity verification information to apply for reissuing the subsidy fund; when receiving the corrected issuing information and the identity verification information, performing identity verification according to the identity verification information input by the subsidy object, and if the identity verification is passed, sending the corrected issuing information to the civil administration system so that the civil administration system can determine whether to issue the subsidy fund again; and when an instruction that the civil administration system confirms to issue the subsidy funds again is received, the subsidy funds are issued to the subsidy objects again. By applying the method provided by the embodiment of the invention, under the condition that the subsidy fund is unsuccessfully released, the information interaction can be carried out between the 5G message and the subsidy object, the subsidy object can correct the release information and input the identity verification information based on the 5G message to apply for releasing the subsidy fund again, the subsidy object does not need to go to a website or operate an APP, the application process is simple and convenient, the time consumed by a user for applying for the fund release can be saved, various users can conveniently complete the application operation, and the service experience of the user can be improved.
On the basis of the method provided in the foregoing embodiment, in the method provided in the embodiment of the present invention, the process of determining the release information corresponding to the subsidy fund in step S102 includes:
acquiring a user name, a certificate type, a certificate number, a user account, a subsidy type and a subsidy amount corresponding to the subsidy object;
and taking the user name, the certificate type, the certificate number, the user account number, the subsidy type and the subsidy amount as the issuing information.
In the method provided by the embodiment of the invention, the user name, the certificate type, the certificate number, the user account number, the subsidy type and the subsidy amount corresponding to the subsidy object can be obtained from the subsidy issuing system of the bank, and the issuing information is formed by the data. The user name refers to a name of a payee who subsidizes the money (i.e., the subsidizing object), and the certificate type refers to a certificate type of the certificate information reserved by the subsidizing object at the bank, such as an identification card, a passport, and the like. The certificate number refers to a certificate number corresponding to the certificate type in the reserved certificate information, such as an identity card number. The user account refers to a collection account of the subsidy object, that is, an account for drawing subsidy funds. The subsidy type refers to a type corresponding to subsidy funds, such as subsidies for elderly people and the like. The subsidy amount refers to the amount of subsidized funds.
On the basis of the method shown in fig. 1, in the method provided in the embodiment of the present invention, the process of sending the 5G message to the subsidy object in step 104 includes:
determining the mobile phone number of the subsidy object;
and sending the 5G message to the mobile phone number of the subsidy object so as to send the 5G message to the subsidy object.
In the method provided by the embodiment of the invention, the user information of the subsidy object can be acquired from the bank system, and the mobile phone number of the subsidy object can be acquired from the user information. And based on the 5G message telecommunication service, sending the 5G message corresponding to the subsidy object to the mobile phone number of the subsidy object so as to send the 5G message to the subsidy object.
On the basis of the method shown in fig. 1, in the method provided in the embodiment of the present invention, the process of prompting the subsidized object to input authentication information through the authentication link in step S104 includes:
and prompting the subsidy object to click the authentication link so as to jump to a video input interface corresponding to the authentication link, and recording a video in the video input interface so as to realize the input of authentication information.
In the method provided by the embodiment of the invention, the identity authentication information is a video shot in real time, namely a client is required to record a real-time personal video. And prompting the subsidy object to click the authentication link through the terminal in the 5G message so that the terminal jumps to a corresponding video input interface, clicking related controls in the video input interface so as to start a terminal camera to start recording a video containing a personal image, inputting authentication information and taking the recorded video as the authentication information. The recorded video may be uploaded to a server of the subsidy funds release platform.
To better explain the method provided by the embodiment of the present invention, on the basis of the method shown in fig. 1, the embodiment of the present invention provides another subsidy fund issuing method, as shown in fig. 2, in the method provided by the embodiment of the present invention, the process of authenticating the subsidy object according to the authentication information input by the subsidy object in step S105 includes:
s201: determining reserved identity information corresponding to the subsidy object;
in the method provided by the embodiment of the invention, the reserved identity information corresponding to the subsidy object can be inquired in a bank system, such as an identity card photo or a user photo reserved during account opening.
S202: judging whether the identity authentication information input by the subsidy object is matched with the reserved identity information;
in the method provided by the embodiment of the invention, the consistency of the client can be compared based on the authentication information and the reserved identity information input by the subsidy object so as to judge whether the authentication information is matched with the reserved identity information. For example, if the authentication information is a personal video recorded by the user, face recognition is performed on a face image in the video and an identity card photo to recognize whether the face in the video and the face in the identity card photo belong to the same person, and if the face in the video and the face in the identity card photo belong to the same person, the authentication information is determined to be matched with the reserved identity information.
S203: and if the identity authentication information input by the subsidy object is matched with the reserved identity information, determining that the subsidy object passes identity authentication.
In the method provided by the embodiment of the invention, if the identity authentication information is matched with the reserved identity information, the subsidy object is determined to pass the identity authentication.
In the method provided by the embodiment of the invention, if the identity authentication information is not matched with the reserved identity information, the subsidy object is determined not to pass the identity authentication, the subsequent process is not carried out, the 5G message which does not pass the identity authentication can be sent to the subsidy object, an entrance for re-inputting the identity authentication information can be provided, and the subsidy object is prompted to re-input the identity authentication information so as to re-apply for the issuance of the subsidy fund.
In order to better explain the method provided by the embodiment of the invention, the embodiment of the invention provides another subsidy fund issuing method in combination with a specific application scenario. The method provided by the embodiment of the invention can be applied to a subsidy fund issuing platform, and the subsidy fund issuing platform can comprise a subsidy issuing system of a bank and a 5G message center. The subsidy funds release platform is an instantiation of the method shown in fig. 1. As shown in the example diagram of fig. 3, in the implementation process of the method provided by the embodiment of the present invention, the main information interaction flows include interaction between the 5G message center and the civil administration system, interaction between the 5G message center and the bank system (e.g., a subsidy issuing system of a bank), and interaction between the 5G message center and the customer. The 5G message center can comprise a 5G message generation module and a 5G message interaction module, and the main functions of the modules comprise:
the 5G message generation module:
firstly, the system is used for connecting with relevant interfaces of a civil administration system and acquiring information (names, certificate numbers, mobile phone numbers, account numbers, amounts, subsidy types and the like) of issued people;
secondly, the system is used for triggering an alarm when the subsidy cannot be normally issued;
the 5G message visual interface is used for generating information that subsidies cannot be normally issued and transaction verification information;
5G message interaction module:
receiving 5G information about civil subsidy issuance;
secondly, the system is used for inquiring bank card information corresponding to the customer identity card photo and the mobile phone number from a bank system;
thirdly, the system is used for submitting a transaction request to a civil administration system interface;
fourthly, the transaction record is written into the bank platform;
fifthly, the system is used for feeding back the transaction result to the client.
Based on the architecture shown in fig. 3, the subsidy fund issuing process provided by the embodiment of the invention mainly includes:
the 5G message center monitors the release information of the civil supplementary notes, when the supplementary notes to be released exist, the information is in butt joint with a bank system to inquire relevant information, if the release of the bank system fails, failure information is generated and is synchronously sent to the civil system and the bank system, meanwhile, the information to be confirmed (names, certificate types, certificate numbers, account numbers and supplementary note amounts) is sent to clients through the 5G message, and an entrance of video identity verification is provided.
After receiving the confirmation message, the client can edit the modification information, click the link for recording the authentication video, and send the edited and modified information and the authentication video to the 5G message interaction module.
After receiving the 5G message sent by the client, the 5G message interaction module goes to a bank system to inquire a deduction/collection card number and a corresponding identity card photo which are reserved in a bank by the client.
And the bank system returns the inquired relevant information of the client to the 5G message interaction module, and after the 5G message interaction module receives the information, the identity authentication video sent by the client is compared with the client consistency.
If the identity verification passes, synchronizing the message with the civil administration system, and ensuring the civil administration system to confirm the sending of the subsidy transaction request again.
And the bank system completes subsidy issuing transaction according to the subsidy transaction request fed back by the civil administration system and feeds back the transaction result to the 5G message interaction module.
And the 5G message interaction module writes the transaction records into a civil administration system and a bank system.
And the 5G message interaction module feeds back the transaction result to the client to complete the issuance transaction of the subsidy fund.
Based on the method provided by the embodiment of the invention, the client can finish identity verification through 5G information without going to a cabinet, and can finish the related transaction of subsidy issuing, thereby bringing quick and convenient experience for each group. The 5G messages are used for information interaction, so that the abnormity caused by interception and tampering of the traditional http and https messages can be avoided, and the safety scenes from application to verification to release of the civil fund subsidy are realized.
Corresponding to the method for dispensing subsidy funds shown in fig. 1, an embodiment of the present invention further provides a device for dispensing subsidy funds, which is used to implement the method shown in fig. 1, and a schematic structural diagram of the device is shown in fig. 4, and includes:
the monitoring unit 301 is configured to monitor a fund issuing result corresponding to subsidy funds in a process of issuing the subsidy funds to a subsidy object;
a determining unit 302, configured to determine, when it is monitored that the fund release result is a release failure, release information corresponding to the subsidized fund;
a generating unit 303, configured to generate a 5G message corresponding to the subsidy object, where the 5G message includes the release information and the authentication link;
a first sending unit 304, configured to send the 5G message to the subsidy object, prompt the subsidy object to collate the release information based on the 5G message, and prompt the subsidy object to input authentication information through the authentication link, so as to apply for reissuing the subsidy fund;
a verification unit 305, configured to, when receiving the collated issuing information sent by the subsidy object and the authentication information input by the subsidy object, perform authentication on the subsidy object according to the authentication information input by the subsidy object;
a second sending unit 306, configured to send the collated release information to a civil administration system if the subsidy object passes identity verification, so that the civil administration system determines whether to release the subsidy fund again;
and the issuing unit 307 is used for re-issuing the subsidy funds to the subsidy object when the subsidy issuing system of the bank receives the instruction that the civil administration system confirms to issue the subsidy funds again.
Based on the device provided by the embodiment of the invention, when the fund release result corresponding to the subsidy fund released to the subsidy object is detected to be the release failure, the release information corresponding to the subsidy fund can be determined; generating a corresponding 5G message, wherein the 5G message comprises the issuing information and the identity verification link; sending the 5G message to the subsidy object, prompting the subsidy object to correct the release information based on the 5G message, and inputting the identity verification information to apply for re-releasing the subsidy fund; when receiving the corrected issuing information and the identity verification information, performing identity verification according to the identity verification information input by the subsidy object, and if the registered issuing information and the identity verification information pass the identity verification, sending the corrected issuing information to the civil administration system so that the civil administration system can confirm whether to issue the subsidy fund again; and when an instruction that the civil administration system confirms to issue the subsidy funds again is received, the subsidy funds are issued to the subsidy objects again. By applying the device provided by the embodiment of the invention, under the condition that the subsidy fund is failed to be issued, the information interaction can be carried out between the subsidy object and the 5G message, the subsidy object can correct the issuing information and input the identity verification information based on the 5G message to apply for reissuing the subsidy fund, the subsidy object does not need to go to a website or operate an APP, the application process is simple and convenient, the time consumed by a user for applying the fund issuing can be saved, various users can conveniently complete the application operation, and the service experience of the user can be improved.
On the basis of the apparatus provided in the foregoing embodiment, in the apparatus provided in the embodiment of the present invention, the determining unit 302 includes:
the acquiring subunit is used for acquiring a user name, a certificate type, a certificate number, a user account number, a subsidy type and a subsidy amount corresponding to the subsidy object;
and the first determining subunit is used for taking the user name, the certificate type, the certificate number, the user account number, the subsidy type and the subsidy amount as the issuing information.
On the basis of the apparatus provided in the foregoing embodiment, in the apparatus provided in the embodiment of the present invention, the first sending unit 304 includes:
the second determining subunit is used for determining the mobile phone number of the subsidy object;
and the sending subunit is configured to send the 5G message to the mobile phone number of the subsidy object, so as to send the 5G message to the subsidy object.
On the basis of the apparatus provided by the above embodiment, the apparatus provided by the embodiment of the present invention further includes:
and the prompting unit is used for prompting the subsidy object to click the authentication link so as to jump to a video input interface corresponding to the authentication link and record a video in the video input interface so as to realize the input of authentication information.
On the basis of the apparatus shown in fig. 1, another subsidy funds release apparatus is provided in the embodiment of the present invention, as shown in a schematic structural diagram of fig. 5, in the apparatus provided in the embodiment of the present invention, the verification unit 305 includes:
a third determining subunit 308, configured to determine reserved identity information corresponding to the subsidized object;
a judging subunit 309, configured to judge whether the authentication information input by the subsidy object matches the reserved identity information;
a fourth determining subunit 310, configured to determine that the subsidized object passes the authentication if the authentication information input by the subsidized object matches the reserved identity information.
The embodiment of the invention also provides a storage medium, which comprises stored instructions, wherein when the instructions are executed, the equipment where the storage medium is located is controlled to execute the subsidy fund issuing method.
An electronic device is provided in an embodiment of the present invention, and a schematic structural diagram of the electronic device is shown in fig. 6, which specifically includes a memory 401 and one or more instructions 402, where the one or more instructions 402 are stored in the memory 401 and configured to be executed by one or more processors 403 to execute the one or more instructions 402 to:
monitoring a fund release result corresponding to the subsidy fund in the process of releasing the subsidy fund to the subsidy object;
when the fund release result is monitored to be the release failure, the release information corresponding to the subsidy fund is determined;
generating a 5G message corresponding to the subsidy object, wherein the 5G message comprises the issuing information and the identity verification link;
sending the 5G message to the subsidy object, prompting the subsidy object to correct the release information based on the 5G message, and prompting the subsidy object to input authentication information through the authentication link so as to apply for reissuing the subsidy fund;
when receiving the corrected issuing information sent by the subsidy object and the authentication information input by the subsidy object, performing authentication on the subsidy object according to the authentication information input by the subsidy object;
if the subsidy object passes the identity verification, sending the corrected release information to a civil administration system, and enabling the civil administration system to confirm whether the subsidy fund is released again;
and when the subsidy issuing system of the bank receives the instruction that the civil administration system confirms to issue the subsidy fund again, the subsidy fund is issued to the subsidy object again.
It should be noted that the subsidy fund issuing method and apparatus, the storage medium, and the electronic device provided by the present invention may be used in the financial field, for example, in an application scenario of subsidy fund issuing of civil administration in the financial field. The foregoing is merely an example, and does not limit the application fields of the subsidy fund issuing method and apparatus, the storage medium, and the electronic device provided by the present invention.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the system or system embodiments are substantially similar to the method embodiments and therefore are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described system and system embodiments are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (10)

1. A subsidy funds release method, comprising:
monitoring a fund issuing result corresponding to subsidy funds in the process of issuing the subsidy funds to the subsidy objects;
when the fund release result is monitored to be the release failure, the release information corresponding to the subsidy fund is determined;
generating a 5G message corresponding to the subsidy object, wherein the 5G message comprises the issuing information and the identity verification link;
sending the 5G message to the subsidy object, prompting the subsidy object to correct the release information based on the 5G message, and prompting the subsidy object to input authentication information through the authentication link so as to apply for reissuing the subsidy fund;
when receiving the corrected issuing information sent by the subsidy object and the authentication information input by the subsidy object, performing authentication on the subsidy object according to the authentication information input by the subsidy object;
if the subsidy object passes the identity verification, the corrected issuing information is sent to a civil administration system, and the civil administration system is made to confirm whether the subsidy fund is issued again;
and when the subsidy issuing system of the bank receives the instruction that the civil administration system confirms to issue the subsidy fund again, the subsidy fund is issued to the subsidy object again.
2. The method of claim 1, wherein the determining the release information corresponding to the subsidized funds comprises:
acquiring a user name, a certificate type, a certificate number, a user account, a subsidy type and a subsidy amount corresponding to the subsidy object;
and taking the user name, the certificate type, the certificate number, the user account number, the subsidy type and the subsidy amount as the issuing information.
3. The method of claim 1, wherein the sending the 5G message to the subsidy object comprises:
determining the mobile phone number of the subsidy object;
and sending the 5G message to the mobile phone number of the subsidy object so as to send the 5G message to the subsidy object.
4. The method of claim 1, wherein prompting the subsidized object to enter authentication information via the authentication link comprises:
and prompting the subsidy object to click the authentication link so as to jump to a video input interface corresponding to the authentication link, and recording a video in the video input interface so as to realize the input of authentication information.
5. The method of claim 1, wherein the authenticating the subsidized object based on the authentication information entered by the subsidized object comprises:
determining reserved identity information corresponding to the subsidy object;
judging whether the identity authentication information input by the subsidy object is matched with the reserved identity information;
and if the identity authentication information input by the subsidy object is matched with the reserved identity information, determining that the subsidy object passes identity authentication.
6. A subsidy funds release apparatus comprising:
the monitoring unit is used for monitoring a fund release result corresponding to the subsidy fund in the process of releasing the subsidy fund to the subsidy object;
the determining unit is used for determining the release information corresponding to the subsidy fund when the fund release result is monitored to be the release failure;
a generating unit, configured to generate a 5G message corresponding to the subsidy object, where the 5G message includes the release information and an identity verification link;
a first sending unit, configured to send the 5G message to the subsidy object, prompt the subsidy object to collate the release information based on the 5G message, and prompt the subsidy object to input authentication information through the authentication link, so as to apply for reissuing the subsidy fund;
the verification unit is used for verifying the identity of the subsidy object according to the identity verification information input by the subsidy object when receiving the corrected issuing information sent by the subsidy object and the identity verification information input by the subsidy object;
the second sending unit is used for sending the corrected issuing information to a civil administration system if the subsidy object passes the identity verification, so that the civil administration system can confirm whether to issue the subsidy fund again;
and the release unit is used for releasing the subsidy funds to the subsidy object again when the subsidy release system of the bank receives the instruction that the civil administration system confirms to release the subsidy funds again.
7. The apparatus of claim 6, wherein the determining unit comprises:
the acquiring subunit is used for acquiring a user name, a certificate type, a certificate number, a user account number, a subsidy type and a subsidy amount corresponding to the subsidy object;
and the first determining subunit is used for taking the user name, the certificate type, the certificate number, the user account number, the subsidy type and the subsidy amount as the issuing information.
8. The apparatus of claim 6, wherein the first sending unit comprises:
the second determining subunit is used for determining the mobile phone number of the subsidy object;
and the sending subunit is configured to send the 5G message to the mobile phone number of the subsidy object, so as to send the 5G message to the subsidy object.
9. A storage medium comprising stored instructions, wherein the instructions, when executed, control a device on which the storage medium resides to perform a subsidy funds release method according to any one of claims 1 to 5.
10. An electronic device comprising a memory and one or more instructions, wherein the one or more instructions are stored in the memory and configured to be executed by the one or more processors to perform the subsidy funds release method according to any one of claims 1-5.
CN202210442112.7A 2022-04-25 2022-04-25 Subsidy fund issuing method and device, storage medium and electronic equipment Pending CN114782049A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202210442112.7A CN114782049A (en) 2022-04-25 2022-04-25 Subsidy fund issuing method and device, storage medium and electronic equipment

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202210442112.7A CN114782049A (en) 2022-04-25 2022-04-25 Subsidy fund issuing method and device, storage medium and electronic equipment

Publications (1)

Publication Number Publication Date
CN114782049A true CN114782049A (en) 2022-07-22

Family

ID=82432407

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202210442112.7A Pending CN114782049A (en) 2022-04-25 2022-04-25 Subsidy fund issuing method and device, storage medium and electronic equipment

Country Status (1)

Country Link
CN (1) CN114782049A (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116051334A (en) * 2022-12-23 2023-05-02 北京德生智通科技有限公司 Financial subsidy directional use method and system based on digital RMB

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116051334A (en) * 2022-12-23 2023-05-02 北京德生智通科技有限公司 Financial subsidy directional use method and system based on digital RMB

Similar Documents

Publication Publication Date Title
US11983699B2 (en) System built by connection between a mobile terminal and a service providing device, and service providing method
US8073770B2 (en) Person-to-person funds transfer
US20180225659A1 (en) Information processing device and information processing method
CN109934702A (en) A kind of method, system and the electronic equipment of personal foreign exchange's business processing
CN113052587A (en) Transfer service processing method and device based on block chain
CN114782049A (en) Subsidy fund issuing method and device, storage medium and electronic equipment
JP2012527032A (en) Secure money transfer system
CN113034110B (en) Service processing method, system, medium and electronic equipment based on video auditing
CN108898481B (en) Method and device for processing counter service
ITPD20120257A1 (en) ELECTRONIC BAG FOR SMARTPHONES
CN111192034B (en) Method and device for processing service request data
JP2008117079A (en) Cash payment system, financial institution terminal device, and method of paying cash
CN113496395B (en) Payment method and system
JP2020113015A (en) Withdrawal account registration server and registration method of withdrawal account
EP2947633A1 (en) Automatic teller system for providing a banking service to a user operating the system, and method therefore
CN113191757A (en) Bank business control method, device, server and storage medium
JP2009146171A (en) Card issuing method, card issuing system, card validation device, and card for credit
CN113191781A (en) Capital transfer-out service control method, device, system, server and storage medium
CN114331683A (en) Loan method and device, storage medium and electronic device
JP5203665B2 (en) Account management system and account management method
JP2021105995A (en) Monitoring device, financial transaction system, and program
JP2020205088A (en) Withdrawal account registration server and registration method of withdrawal account
JP2021105978A (en) Monitoring device, financial transaction system, and computer program
CN111178872A (en) Mobile banking payment method and device without mobile phone verification code
US20240185246A1 (en) Transaction support system, transaction support method, and recording medium

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination