CN114971857A - Credit card staging method and device based on block chain - Google Patents

Credit card staging method and device based on block chain Download PDF

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CN114971857A
CN114971857A CN202210611940.9A CN202210611940A CN114971857A CN 114971857 A CN114971857 A CN 114971857A CN 202210611940 A CN202210611940 A CN 202210611940A CN 114971857 A CN114971857 A CN 114971857A
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credit card
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刘娟
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Bank of China Ltd
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Abstract

The invention discloses a credit card staging method and a credit card staging device based on a block chain, wherein the method comprises the following steps: sending a query instruction to a 5G message server through a 5G message client, wherein the query instruction carries a mobile phone account; the 5G message server searches information of each credit card account related to the mobile phone account number from the block chain and sends the information to the 5G message client; the 5G message client sends the staging content selected by the user to a 5G message server; the 5G message server forwards the information to each bank side, and each bank side sets the credit card account according to the staging content and then returns a setting result; and the 5G message server sends the setting result of each credit card account to the 5G message client and synchronizes to the blockchain. When setting up credit card accounts of a plurality of banks, a user can complete the setting one by one without setting up the accounts one by one; the user does not need to input a mobile phone account number, and each credit card account of the user can be quickly inquired only by triggering the inquiry button on the 5G client, so that the flow is simple.

Description

Credit card staging method and device based on block chain
Technical Field
The invention relates to the technical field of block chains, in particular to a credit card classification method and device based on a block chain.
Background
In daily life, customers often have the requirement of credit card staging, for example, the customers are difficult to pay at one time after large amount consumption, or in case of emergency fund requirement, cash is taken from the credit card and then the customers pay in a staged manner.
At present, the credit card is transacted by stages, a user needs to download mobile phone bank apps, then register, log in and set the apps, or dial a credit card service call, under the condition that a plurality of credit card accounts are transacted by stages, the apps can be set one by one, each account needs to be reset once during transacting, and therefore, the process of transacting the stages is complicated.
Disclosure of Invention
The embodiment of the invention provides a block chain-based credit card staging method and device, which are used for solving the problem that the flow for transacting credit card staging is more complicated.
In a first aspect of the present specification, there is provided a block chain-based credit card staging method, including: sending a query instruction to a 5G message server through a 5G message client, wherein the query instruction carries a mobile phone account used for sending a 5G message; the 5G message server searches information of each credit card account related to the mobile phone account number from the block chain and sends the information of each credit card account to the 5G message client; the information of each credit card account includes: the payment amount to be paid, the supported payment futures and the payment method of the commission charge of each credit card account; the 5G message client sends the staging content selected by the user to a 5G message server, wherein the staging content comprises each credit card account for handling staging, and the repayment amount and the commission payment mode of each credit card account; the 5G message server sends the staging content selected by the user to each bank side so that each bank side can set a credit card account according to the staging content and return the setting result of the credit card account to the 5G message server; and the 5G message server sends the setting result of each credit card account to the 5G message client, and synchronizes the setting result of each credit card account to the block chain.
In some embodiments, before the 5G message client sends the user-selected staging content to the 5G message server, the method further comprises: the 5G message server searches information of each debit card account related to the mobile phone account from the block chain and sends the information of each debit card account to the 5G message client; the information for each debit card account includes: an identification of each debit card account; accordingly, the staging content further includes: a debit card account selected by the user for automatic payment.
In some embodiments, after the bank side returns the setting result of the credit card account to the 5G message server, the method further includes: the 5G message server records the monthly payment time and the payment amount of the credit card account, and sends a payment reminder to the 5G message client before the monthly payment time.
In some embodiments, sending the query instruction to the 5G message server through the 5G message client comprises: collecting biological characteristic information of a user through a 5G message client; taking the query instruction as the content of the 5G message, and sending the 5G message to a 5G message server by adopting a mobile phone account; the inquiry command carries the mobile phone account and the biological characteristic information; the 5G message server verifies whether the mobile phone account in the query instruction is matched with the biological characteristic information; and in the case of matching, the 5G message server searches the information of each credit card account associated with the mobile phone account number from the block chain.
In a second aspect of the present specification, a block chain-based credit card staging method includes: sending a query instruction to a 5G message server through a 5G message client, wherein the query instruction carries a mobile phone account used for sending a 5G message; the 5G message server searches information of each credit card account related to the mobile phone account number from the block chain and sends the information of each credit card account to the 5G message client; the information of each credit card account includes: various repayment period numbers and procedure rates are supported; calculating withdrawal procedure fees of each credit card account according to the withdrawal amount input by the user, the repayment amount selected by the user and the inquired procedure rates, and returning the calculation result to the 5G message client; the 5G message client sends the setting information of the credit card account selected by the user to the 5G message server; the setting information of the credit card account includes: the withdrawal amount input by the user and the repayment period selected by the user; the 5G message server sends the setting information of the credit card account to a bank side so that the bank side can set the credit card account according to the setting information of the credit card account and return the setting result of the credit card account to the 5G message server; and the 5G message server sends the setting result of the credit card account to the 5G message client, and synchronizes the setting result of the credit card account to the block chain.
In some embodiments, before the 5G message client sends the setting information of the credit card account selected by the user to the 5G message server, the method further comprises: the 5G message server searches information of each debit card account related to the mobile phone account from the block chain and sends the information of each debit card account to the 5G message client; accordingly, the setting information of the credit card account further includes: the debit card account selected by the user for collection.
In some embodiments, before the 5G message client sends the setting information of the credit card account selected by the user to the 5G message server, the method further comprises: the 5G message server searches information of each debit card account related to the mobile phone account from the block chain and sends the information of each debit card account to the 5G message client; accordingly, the setting information of the credit card account further includes: a debit card account selected by the user for automatic payment.
In some embodiments, after the bank side returns the setting result of the credit card account to the 5G message server, the method further includes: the 5G message server records the monthly payment time and the payment amount of the credit card account, and sends a payment reminder to the 5G message client before the monthly payment time.
In some embodiments, sending the query instruction to the 5G message server through the 5G message client comprises: collecting biological characteristic information of a user through a 5G message client; taking the query instruction as the content of the 5G message, and sending the 5G message to a 5G message server by adopting a mobile phone account; the inquiry command carries the mobile phone account and the biological characteristic information; the 5G message server verifies whether the mobile phone account number in the query instruction is matched with the biological characteristic information; and in the case of matching, the 5G message server searches information of each credit card account associated with the mobile phone account number from a block chain.
A block chain-based credit card extension apparatus according to a third aspect of the present specification, including: the first sending unit is used for sending a query instruction to the 5G message server through the 5G message client, wherein the query instruction carries a mobile phone account used for sending the 5G message; the first query unit is used for the 5G message server to search the information of each credit card account related to the mobile phone account number from the block chain and send the information of each credit card account to the 5G message client; the information of each credit card account includes: the payment amount to be paid, the supported payment futures and the payment method of the commission charge of each credit card account; the second sending unit is used for sending the staging content selected by the user to the 5G message server by the 5G message client, wherein the staging content comprises each credit card account for handling staging, and the repayment amount and the commission payment mode of each credit card account; the third sending unit is used for the 5G message server to send the staging content selected by the user to each bank side so that each bank side can set the credit card account according to the staging content and return the setting result of the credit card account to the 5G message server; and the fourth sending unit is used for sending the setting result of each credit card account to the 5G message client by the 5G message server and synchronizing the setting result of each credit card account to the block chain.
In some embodiments, the apparatus further comprises: the second query unit is used for the 5G message server to search the information of each debit card account related to the mobile phone account from the block chain and send the information of each debit card account to the 5G message client; the information for each debit card account includes: an identification of each debit card account; accordingly, the staging content further includes: a debit card account selected by the user for automatic payment.
In some embodiments, the apparatus further comprises: and the reminding unit is used for recording the monthly repayment time and the repayment amount of the credit card account by the 5G message server and sending a repayment reminder to the 5G message client before the monthly repayment time.
In some embodiments, the first sending unit comprises: the acquisition subunit is used for acquiring the biological characteristic information of the user through the 5G message client; the sending subunit is used for taking the query instruction as the content of the 5G message, and sending the 5G message to a 5G message server by adopting a mobile phone account; the inquiry command carries the mobile phone account and the biological characteristic information; the verification subunit is used for verifying whether the mobile phone account in the query instruction is matched with the biological characteristic information by the 5G message server; and in the case of matching, the 5G message server searches the information of each credit card account associated with the mobile phone account number from the block chain.
A fourth aspect of the present specification relates to a block chain-based credit card extension apparatus, including: the first sending unit is used for sending a query instruction to the 5G message server through the 5G message client, wherein the query instruction carries a mobile phone account used for sending the 5G message; the third query unit is used for the 5G message server to search the information of each credit card account related to the mobile phone account number from the block chain and send the information of each credit card account to the 5G message client; the information of each credit card account includes: various repayment period numbers and procedure rates are supported; the calculating unit is used for calculating the withdrawal commission charge of each credit card account according to the withdrawal amount input by the user, the repayment option selected by the user and the inquired procedure rate, and returning the calculation result to the 5G message client; a fifth sending unit, configured to send, by the 5G message client, the setting information of the credit card account selected by the user to the 5G message server; the setting information of the credit card account includes: the withdrawal amount input by the user and the repayment period selected by the user; a sixth sending unit, configured to send, by the 5G message server, the setting information of the credit card account to the bank side, so that the bank side sets the credit card account according to the setting information of the credit card account, and returns a setting result of the credit card account to the 5G message server; and the seventh sending unit is used for sending the setting result of the credit card account to the 5G message client by the 5G message server and synchronizing the setting result of the credit card account to the block chain.
In some embodiments, the apparatus further comprises: the second query unit is used for the 5G message server to search the information of each debit card account related to the mobile phone account from the block chain and send the information of each debit card account to the 5G message client; the information for each debit card account includes: an identification of each debit card account; accordingly, the setting information of the credit card account further includes: the debit card account selected by the user for collection.
In some embodiments, the apparatus further comprises: the second query unit is used for the 5G message server to search the information of each debit card account related to the mobile phone account from the block chain and send the information of each debit card account to the 5G message client; the information for each debit card account includes: an identification of each debit card account; accordingly, the setting information of the credit card account further includes: a debit card account selected by the user for automatic payment.
In some embodiments, the apparatus further comprises: and the reminding unit is used for recording the monthly repayment time and the repayment amount of the credit card account by the 5G message server and sending a repayment reminder to the 5G message client before the monthly repayment time.
In some embodiments, the first sending unit comprises: the acquisition subunit is used for acquiring the biological characteristic information of the user through the 5G message client; the sending subunit is used for taking the query instruction as the content of the 5G message, and sending the 5G message to a 5G message server by adopting a mobile phone account; the inquiry command carries the mobile phone account and the biological characteristic information; the verification subunit is used for verifying whether the mobile phone account in the query instruction is matched with the biological characteristic information by the 5G message server; and in the case of matching, the 5G message server searches information of each credit card account associated with the mobile phone account number from a block chain.
A fifth aspect of the present description is a computer device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the method of any one of the first aspect or the second aspect when executing the computer program.
A sixth aspect of the present description is a computer-readable storage medium storing a computer program which, when executed by a processor, implements the method of any one of the first or second aspects.
A seventh aspect of the present description is a computer program product comprising a computer program that, when executed by a processor, implements the method of any one of the first or second aspects.
The credit card staging method and device based on the block chain provided by the specification synchronize the information of each credit card account to the block chain, and when the credit card staging is set, the information of the credit card accounts of a plurality of banks can be acquired from the block chain through a 5G message server; when credit card staging is set, staging contents are sent to the 5G message server and distributed to each bank through the 5G message server, so that a user can complete the staging at one time without setting credit card accounts of a plurality of banks one by one when setting the credit card accounts, and the flow of handling the staging is simpler; the inquiry instruction is used as the content of the 5G message, the 5G message is sent to the 5G message server by adopting the mobile phone account number, and the mobile phone account number corresponding to the inquiry instruction can be extracted by the 5G message server after the 5G message server receives the 5G message, so that the user can quickly inquire each credit card account of the user by triggering the inquiry button on the 5G client without inputting the mobile phone account number, and the setting flow of the credit card installments is further simplified.
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 illustrates a flow chart of a blockchain based credit card staging method provided herein;
FIG. 2 shows a flow diagram for sending a query instruction to a 5G message server by a 5G message client;
FIG. 3 illustrates a flow chart of another blockchain based credit card staging method provided herein;
FIG. 4 illustrates a functional block diagram of a block chain based credit card staging device provided herein;
fig. 5 shows a schematic block diagram of another block chain based credit card staging apparatus provided herein.
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 present specification provides a credit card staging method based on a block chain, as shown in fig. 1, including the following steps:
s110: and sending a query instruction to the 5G message server through the 5G message client, wherein the query instruction carries a mobile phone account used for sending the 5G message.
The 5G message is the upgrade of the short message service, is a basic telecommunication service of an operator, realizes the leap of service experience based on the IP technology, and has more supported media formats and richer expression forms. The 5G message can bear characters, pictures, audio, video, multimedia content forms such as positions and cards, also supports search, menu options and online payment, and has interaction capabilities such as man-machine conversation and webpage skipping. The content transmitted between the 5G message client and the 5G message server adopts 5G messages.
The 5G message server can extract the mobile phone account sending the 5G message from the received 5G message.
In some embodiments, as shown in fig. 2, S110 may include the steps of:
s111: the first biological characteristic information of the user is collected through the 5G message client.
The first biometric information may be one of: the system comprises a face image, feature information of the face image, a fingerprint image, feature information of the fingerprint image, an iris image and feature information of the iris image.
S112: taking the query instruction as the content of the 5G message, and sending the 5G message to a 5G message server by adopting a mobile phone account; the query instruction carries the mobile phone account and the first biological characteristic information.
S113: and the 5G message server verifies whether the mobile phone account in the query instruction is matched with the first biological characteristic information. In case of a match, S120 is performed; otherwise, the matching failure is returned.
S120: and the 5G message server searches the information of each credit card account related to the mobile phone account number from the block chain and sends the information of each credit card account to the 5G message client.
When a user opens a credit card, a mobile phone account is reserved, and the credit card account owned by the user can be inquired through the mobile phone account.
The inquiry instruction is used as the content of the 5G message, the 5G message is sent to the 5G message server by adopting the mobile phone account number, and the mobile phone account number corresponding to the inquiry instruction can be extracted by the 5G message server after the 5G message server receives the 5G message, so that the user can quickly inquire each credit card account of the user by triggering an inquiry button on the 5G client without inputting the mobile phone account number, and the setting flow of credit card stages is simplified.
The information for each credit card account includes: the payment amount to be paid, the payment period number supported and the payment method of the commission charge of each credit card account. Each credit card account is represented by a credit card account identifier, which may be a credit card number or the like.
S130: and the 5G message client sends the staging content selected by the user to the 5G message server, wherein the staging content comprises each credit card account for handling staging, and the repayment amount and the commission charge payment mode of each credit card account.
For example, the information of each credit card account sent by the 5G message server to the 5G message client is shown in table one below, the user may select to stage the credit card account bbbbbbb, and select the payment period number to be 12 periods, and the commission charge is paid in a staging manner, so that the credit card accounts bbbbbbb, 12 periods, and the commission charge may be used as the staging content.
Watch 1
Credit card identification Number of supported payment periods Method for paying commission fee
AAAAA Stage 3, stage 6, stage 9, stage 12 One-time payment
BBBBBB Stage 6, stage 12, and stage 18 One-time payment and staged payment
CCCCCC Stage 3, stage 6, stage 12, stage 18 Staged payment
In some embodiments, when the staging content is sent, the staging content is used as the content of the 5G message, and the 5G message is sent to the 5G message server by using the mobile phone account, so that the 5G message server can obtain the mobile phone account corresponding to the staging content. Of course, the mobile phone account number may also be used as the content of the 5G message.
In some embodiments, before the 5G message client sends the user-selected staging content to the 5G message server, the method further comprises: the 5G message server searches information of each debit card account related to the mobile phone account from the block chain and sends the information of each debit card account to the 5G message client; the information for each debit card account includes: identification of each debit card account. Accordingly, the staging content further includes: a debit card account selected by the user for automatic payment.
According to the setting, a debit card account for automatic repayment is added during the setting of the staging, so that the manual operation of repayment by a user every month is not needed, and the repayment process is simplified.
S140: and the 5G message server sends the staging content selected by the user to each bank side so that each bank side can set the credit card account according to the staging content and return the setting result of the credit card account to the 5G message server.
Before S140, the procedure rates corresponding to the various payment terms supported by the credit card accounts may be obtained, the procedure fees corresponding to the credit card accounts may be calculated according to the payment terms selected by the user, and the user further confirms which credit card account or accounts are selected.
The 5G message server can read each credit card account in the staging content and send the staging content to the corresponding bank according to the credit card account.
In some embodiments, the 5G message client further sends the second biometric information of the user to the 5G message server, the 5G message server sends the second biometric information to each bank side, the bank side matches the second biometric information with the pre-stored biometric information of the user, the bank side sets the credit card account according to the staging content only when the matching is successful, and the bank side returns that the setting is failed when the matching is unsuccessful.
The second biometric information may be used for bank side verification whether the user has set rights. The second biometric information may be the same as or different from the first biometric information. For example, the first biometric information may be a face image, and the second biometric information may be a fingerprint image or an iris image.
S150: and the 5G message server sends the setting result of each credit card account to the 5G message client, and synchronizes the setting result of each credit card account to the block chain.
In some embodiments, after the bank side returns the setting result of the credit card account to the 5G message server, the method further includes: the 5G message server records the monthly payment time and the payment amount of the credit card account, and sends a payment reminder to the 5G message client before the monthly payment time.
The credit card staging method based on the block chain synchronizes the information of each credit card account to the block chain, and when the credit card staging is set, the information of the credit card accounts of a plurality of banks can be acquired from the block chain through the 5G message server; when credit card staging is set, staging contents are sent to the 5G message server and distributed to each bank through the 5G message server, so that a user can complete the staging at one time without setting credit card accounts of a plurality of banks one by one when setting the credit card accounts, and the flow of handling the staging is simpler; the inquiry instruction is used as the content of the 5G message, the 5G message is sent to the 5G message server by adopting the mobile phone account number, and the mobile phone account number corresponding to the inquiry instruction can be extracted by the 5G message server after the 5G message server receives the 5G message, so that the user can quickly inquire each credit card account of the user by triggering the inquiry button on the 5G client without inputting the mobile phone account number, and the setting flow of the credit card installments is further simplified.
The present specification also provides another credit card staging method based on a block chain, as shown in fig. 3, including the following steps:
s210: and sending a query instruction to the 5G message server through the 5G message client, wherein the query instruction carries a mobile phone account used for sending the 5G message.
The 5G message is the upgrade of the short message service, is a basic telecommunication service of an operator, realizes the leap of service experience based on the IP technology, and has more supported media formats and richer expression forms. The 5G message can bear characters, pictures, audio, video, multimedia content forms such as positions and cards, also supports search, menu options and online payment, and has interaction capabilities such as man-machine conversation and webpage skipping. The content transmitted between the 5G message client and the 5G message server adopts 5G messages.
The 5G message server can extract the mobile phone account sending the 5G message from the received 5G message.
In some embodiments, as shown in fig. 2, S210 comprises:
s211: the first biological characteristic information of the user is collected through the 5G message client.
The first biometric information may be one of: the system comprises a face image, feature information of the face image, a fingerprint image, feature information of the fingerprint image, an iris image and feature information of the iris image.
S212: taking the query instruction as the content of the 5G message, and sending the 5G message to a 5G message server by adopting a mobile phone account; the query instruction carries the mobile phone account and the first biological characteristic information.
S213: and the 5G message server verifies whether the mobile phone account in the query instruction is matched with the first biological characteristic information. In case of a match, S220 is performed; otherwise, returning matching failure.
S220: the 5G message server searches information of each credit card account related to the mobile phone account number from the block chain and sends the information of each credit card account to the 5G message client; the information for each credit card account includes: the amount of money to be paid, the number of supported payment futures, the payment mode of the procedure fee and the procedure rate.
When a user opens a credit card, a mobile phone account is reserved, and the credit card account owned by the user can be inquired through the mobile phone account.
The inquiry instruction is used as the content of the 5G message, the 5G message is sent to the 5G message server by adopting the mobile phone account number, and the mobile phone account number corresponding to the inquiry instruction can be extracted by the 5G message server after the 5G message server receives the 5G message, so that the user can quickly inquire each credit card account of the user by triggering the inquiry button on the 5G client without inputting the mobile phone account number, and the setting flow of credit card installments is simplified.
S230: and calculating withdrawal procedure fees of each credit card account according to the withdrawal amount input by the user, the repayment period number selected by the user and the inquired procedure rate, and returning the calculation result to the 5G message client.
For example, the information of each credit card account sent by the 5G message server to the 5G message client is shown in table two below. Assuming that the withdrawal amount input by the user is 200000 yuan and the number of the selected repayment period is 12 periods, it can be known that the procedure rates corresponding to the credit cards AAAAA, bbbbbbbb and ccccc are 0.6%, 3.6% and 7.5%, and then the procedure fees per period or the total amount of the procedure fees and the payoff amount per month of the credit cards AAAAA, BBBBBB and ccccc can be calculated respectively. The calculation results can be returned to the 5G message client, so that the user can select a credit card account to draw and set the installment repayment according to the calculation results.
Watch two
Figure BDA0003673286930000101
In some embodiments, the cash withdrawal commission for each credit card may be calculated at the 5G messaging client, but this requires more client resources. In some embodiments, the withdrawal amount input by the user and the payment period selected by the user may be used as the content of the 5G message, the 5G message is sent to the 5G message server, the 5G server calculates the withdrawal commission for each credit card account, and the calculation result is sent to the 5G message client.
In some embodiments, before the 5G message client sends the setting information of the credit card account selected by the user to the 5G message server, the method further comprises: the 5G message server searches information of each debit card account related to the mobile phone account from the block chain and sends the information of each debit card account to the 5G message client; accordingly, the setting information of the credit card account further includes: a debit card account selected by the user for collection of funds.
In some embodiments, before the 5G message client sends the setting information of the credit card account selected by the user to the 5G message server, the method further comprises: the 5G message server searches information of each debit card account related to the mobile phone account from the block chain and sends the information of each debit card account to the 5G message client; accordingly, the setting information of the credit card account further includes: a debit card account selected by the user for automatic payment.
According to the setting, a debit card account for automatic repayment is added during the setting of the staging, so that the manual operation of repayment by a user every month is not needed, and the repayment process is simplified.
S240: the 5G message client sends the setting information of the credit card account selected by the user to the 5G message server; the setting information of the credit card account includes: the withdrawal amount input by the user and the repayment period selected by the user.
The 5G message server can read each credit card account in the credit card account setting information and send the staging content to the corresponding bank according to the credit card account.
In some embodiments, the 5G message client further sends the second biometric information of the user to the 5G message server, the 5G message server sends the second biometric information to each bank side, the bank side matches the second biometric information with the pre-stored biometric information of the user, the bank side sets the credit card account according to the setting information of the credit card account only when the matching is successful, and the bank side returns that the setting is failed when the matching is unsuccessful.
The second biometric information may be used for bank side verification whether the user has set rights. The second biometric information may be the same as or different from the first biometric information. For example, the first biometric information may be a face image, and the second biometric information may be a fingerprint image or an iris image.
S250: and the 5G message server sends the setting information of the credit card account to the bank side so that the bank side can set the credit card account according to the setting information of the credit card account and return the setting result of the credit card account to the 5G message server.
S260: and the 5G message server sends the setting result of the credit card account to the 5G message client, and synchronizes the setting result of the credit card account to the block chain.
In some embodiments, after the bank side returns the setting result of the credit card account to the 5G message server, the method further includes: the 5G message server records the monthly payment time and the payment amount of the credit card account, and sends a payment reminder to the 5G message client before the monthly payment time.
The credit card staging method based on the block chain is characterized in that credit card staging setting is carried out when a credit card is brought up, information of accounts of the credit cards is synchronized to the block chain, and information of accounts of the credit cards of a plurality of banks can be acquired from the block chain through a 5G message server when the credit card staging is set; when credit card staging is set, staging contents are sent to the 5G message server and distributed to each bank through the 5G message server, so that a user can complete the staging at one time without setting credit card accounts of a plurality of banks one by one when setting the credit card accounts, and the flow of handling the staging is simpler; the inquiry instruction is used as the content of the 5G message, the 5G message is sent to the 5G message server by adopting the mobile phone account number, and the mobile phone account number corresponding to the inquiry instruction can be extracted by the 5G message server after the 5G message server receives the 5G message, so that the user can quickly inquire each credit card account of the user by triggering the inquiry button on the 5G client without inputting the mobile phone account number, and the setting flow of the credit card installments is further simplified.
The present specification provides a blockchain based credit card periodic device that can be used to implement the method shown in fig. 1. As shown in fig. 4, the apparatus includes a first sending unit 110, a first querying unit 120, a second sending unit 130, a third sending unit 140, and a fourth sending unit 150.
The first sending unit 110 is configured to send a query instruction to the 5G message server through the 5G message client, where the query instruction carries a mobile phone account for sending the 5G message.
The first query unit 120 is configured to search, by the 5G message server, information of each credit card account associated with the mobile phone account number from the block chain, and send the information of each credit card account to the 5G message client; the information of each credit card account includes: the payment amount to be paid, the payment period number supported and the payment method of the commission charge of each credit card account.
The second sending unit 130 is used for the 5G message client to send the staging content selected by the user to the 5G message server, wherein the staging content comprises each credit card account transacting the staging, and the repayment amount and the commission payment mode of each credit card account.
The third sending unit 140 is configured to send the installment content selected by the user to each bank side by the 5G message server, so that each bank side sets the credit card account according to the installment content, and returns the setting result of the credit card account to the 5G message server.
The fourth sending unit 150 is configured to send the setting result of each credit card account to the 5G message client by the 5G message server, and synchronize the setting result of each credit card account to the block chain.
In some embodiments, the apparatus further comprises: the second query unit 160 is configured to search, by the 5G message server, information of each debit card account associated with the mobile phone account from the block chain, and send the information of each debit card account to the 5G message client; the information for each debit card account includes: an identification of each debit card account; accordingly, the staging content further includes: a debit card account selected by the user for automatic payment.
In some embodiments, the apparatus further comprises: and the reminding unit 170 is used for recording the monthly payment time and the payment amount of the credit card account by the 5G message server, and sending a payment reminding to the 5G message client before the monthly payment time.
In some embodiments, the first sending unit 110 includes an acquisition subunit 111, a sending subunit 112, and a verification subunit 113.
The collecting subunit 111 is configured to collect the biometric information of the user through the 5G messaging client. The sending subunit 112 is configured to use the query instruction as the content of the 5G message, and send the 5G message to the 5G message server by using the mobile phone account; the query instruction carries the mobile phone account and the biological characteristic information. The verification subunit 113 is configured to verify, by the 5G message server, whether the mobile phone account in the query instruction matches the biometric information. And in the case of matching, the 5G message server searches the information of each credit card account associated with the mobile phone account number from the block chain.
The present specification provides a block chain based credit card staging device that can be used to implement the method illustrated in fig. 3. As shown in fig. 5, the apparatus includes a first transmission unit 210, a third query unit 220, a calculation unit 230, a fifth transmission unit 240, a sixth transmission unit 250, and a seventh transmission unit 260.
The first sending unit 210 is configured to send a query instruction to the 5G message server through the 5G message client, where the query instruction carries a mobile account for sending the 5G message.
The third query unit 220 is configured to search, by the 5G message server, information of each credit card account associated with the mobile phone account from the block chain, and send the information of each credit card account to the 5G message client; the information of each credit card account includes: various repayment times and procedure rates are supported.
The calculating unit 230 is configured to calculate a withdrawal procedure fee for each credit card account according to the withdrawal amount input by the user, the payment amount selected by the user, and the inquired procedure rate, and return the calculation result to the 5G messaging client.
The fifth sending unit 240 is configured to send, by the 5G message client, the setting information of the credit card account selected by the user to the 5G message server; the setting information of the credit card account includes: the withdrawal amount input by the user and the repayment period selected by the user.
The sixth sending unit 250 is configured to send, by the 5G message server, the setting information of the credit card account to the bank side, so that the bank side sets the credit card account according to the setting information of the credit card account, and returns a setting result of the credit card account to the 5G message server.
The seventh sending unit 260 is configured to send the setting result of the credit card account to the 5G message client by the 5G message server, and synchronize the setting result of the credit card account to the blockchain.
In some embodiments, the apparatus further comprises: a second query unit 270, configured to search, by the 5G message server, information of each debit card account associated with the mobile phone account from the block chain, and send the information of each debit card account to the 5G message client; the information for each debit card account includes: an identification of each debit card account; accordingly, the setting information of the credit card account further includes: a debit card account selected by the user for collection of funds.
In some embodiments, the apparatus further comprises: the second query unit 280 is configured to search, by the 5G message server, information of each debit card account associated with the mobile phone account from the block chain, and send the information of each debit card account to the 5G message client; the information for each debit card account includes: an identification of each debit card account; accordingly, the setting information of the credit card account further includes: a debit card account selected by the user for automatic payment.
In some embodiments, the apparatus further comprises: and the reminding unit 290 is used for recording the monthly repayment time and the repayment amount of the credit card account by the 5G message server, and sending a repayment reminder to the 5G message client before the monthly repayment time.
In some embodiments, the first sending unit 210 comprises an acquisition subunit 211, a sending subunit 212 and a verification subunit 213.
The collecting subunit 211 is configured to collect the biometric information of the user through the 5G messaging client. The sending subunit 212 is configured to use the query instruction as the content of the 5G message, and send the 5G message to the 5G message server by using the mobile phone account; the query instruction carries the mobile phone account and the biological characteristic information. The verification subunit 213 is configured to verify, by the 5G message server, whether the mobile phone account in the query instruction matches the biometric information. And in the case of matching, the 5G message server searches information of each credit card account associated with the mobile phone account number from a block chain.
For the above description and advantages of the credit card periodic device based on the block chain, please refer to the description and advantages of the corresponding method.
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 executes the computer program to realize the credit card classification method based on the block chain.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the credit card classification method based on a block chain is implemented.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when executed by a processor, the computer program implements the above credit card classification method based on a block chain.
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 (14)

1. A credit card staging method based on blockchain, comprising:
sending a query instruction to a 5G message server through a 5G message client, wherein the query instruction carries a mobile phone account used for sending a 5G message;
the 5G message server searches information of each credit card account related to the mobile phone account number from the block chain and sends the information of each credit card account to the 5G message client; the information of each credit card account includes: the payment amount to be paid, the supported multiple payment times and the multiple payment modes of the handling fee of each credit card account;
the 5G message client sends the staging content selected by the user to a 5G message server, wherein the staging content comprises each credit card account for handling staging, and the repayment amount and the commission payment mode of each credit card account;
the 5G message server sends the staging content selected by the user to each bank side so that each bank side can set the credit card account according to the staging content and return the setting result of the credit card account to the 5G message server;
and the 5G message server sends the setting result of each credit card account to the 5G message client, and synchronizes the setting result of each credit card account to the block chain.
2. The method of claim 1, before the 5G message client sends the user-selected staging content to the 5G message server, further comprising:
the 5G message server searches information of each debit card account related to the mobile phone account from the block chain and sends the information of each debit card account to the 5G message client; the information for each debit card account includes: an identification of each debit card account;
accordingly, the staging content further includes: a debit card account selected by the user for automatic payment.
3. The method of claim 1, wherein after the bank side returns the setting result of the credit card account to the 5G message server, the method further comprises:
the 5G message server records the monthly payment time and the payment amount of the credit card account, and sends a payment reminder to the 5G message client before the monthly payment time.
4. The method of claim 1, wherein sending the query instruction to the 5G message server through the 5G message client comprises:
collecting biological characteristic information of a user through a 5G message client;
taking the query instruction as the content of the 5G message, and sending the 5G message to a 5G message server by adopting a mobile phone account; the inquiry command carries the mobile phone account and the biological characteristic information;
the 5G message server verifies whether the mobile phone account number in the query instruction is matched with the biological characteristic information;
and in the case of matching, the 5G message server searches the information of each credit card account associated with the mobile phone account number from the block chain.
5. A credit card distribution method based on block chains, comprising:
sending a query instruction to a 5G message server through a 5G message client, wherein the query instruction carries a mobile phone account used for sending a 5G message;
the 5G message server searches information of each credit card account related to the mobile phone account number from the block chain and sends the information of each credit card account to the 5G message client; the information of each credit card account includes: various repayment period numbers and procedure rates are supported;
calculating withdrawal procedure fees of each credit card account according to the withdrawal amount input by the user, the repayment amount selected by the user and the inquired procedure rates, and returning the calculation result to the 5G message client;
the 5G message client sends the setting information of the credit card account selected by the user to the 5G message server; the setting information of the credit card account includes: the withdrawal amount input by the user and the repayment period selected by the user;
the 5G message server sends the setting information of the credit card account to a bank side so that the bank side can set the credit card account according to the setting information of the credit card account and return the setting result of the credit card account to the 5G message server;
and the 5G message server sends the setting result of the credit card account to the 5G message client, and synchronizes the setting result of the credit card account to the block chain.
6. The method of claim 5, before the 5G message client sends the setting information of the credit card account selected by the user to the 5G message server, further comprising:
the 5G message server searches information of each debit card account related to the mobile phone account from the block chain and sends the information of each debit card account to the 5G message client;
accordingly, the setting information of the credit card account further includes: the debit card account selected by the user for collection.
7. The method of claim 5, before the 5G message client sends the setting information of the credit card account selected by the user to the 5G message server, further comprising:
the 5G message server searches information of each debit card account related to the mobile phone account from the block chain and sends the information of each debit card account to the 5G message client;
accordingly, the setting information of the credit card account further includes: a debit card account selected by the user for automatic payment.
8. The method of claim 5, wherein after the bank side returns the setting result of the credit card account to the 5G message server, the method further comprises:
the 5G message server records the monthly payment time and the payment amount of the credit card account, and sends a payment reminder to the 5G message client before the monthly payment time.
9. The method of claim 5, wherein sending the query instruction to the 5G message server through the 5G message client comprises:
collecting biological characteristic information of a user through a 5G message client;
taking the query instruction as the content of the 5G message, and sending the 5G message to a 5G message server by adopting a mobile phone account; the inquiry command carries the mobile phone account and the biological characteristic information;
the 5G message server verifies whether the mobile phone account in the query instruction is matched with the biological characteristic information;
and in the case of matching, the 5G message server searches information of each credit card account associated with the mobile phone account number from a block chain.
10. A block chain based credit card recycling apparatus, comprising:
the first sending unit is used for sending a query instruction to the 5G message server through the 5G message client, wherein the query instruction carries a mobile phone account used for sending the 5G message;
the first query unit is used for the 5G message server to search the information of each credit card account related to the mobile phone account number from the block chain and send the information of each credit card account to the 5G message client; the information of each credit card account includes: the payment amount to be paid, the supported payment futures and the payment method of the commission charge of each credit card account;
the second sending unit is used for sending the staging content selected by the user to the 5G message server by the 5G message client, wherein the staging content comprises each credit card account for handling staging, and the repayment amount and the commission payment mode of each credit card account;
the third sending unit is used for the 5G message server to send the staging content selected by the user to each bank side so that each bank side can set the credit card account according to the staging content and return the setting result of the credit card account to the 5G message server;
and the fourth sending unit is used for sending the setting result of each credit card account to the 5G message client by the 5G message server and synchronizing the setting result of each credit card account to the block chain.
11. A block chain based credit card recycling apparatus, comprising:
the first sending unit is used for sending a query instruction to the 5G message server through the 5G message client, wherein the query instruction carries a mobile phone account used for sending the 5G message;
the third query unit is used for the 5G message server to search the information of each credit card account related to the mobile phone account number from the block chain and send the information of each credit card account to the 5G message client; the information of each credit card account includes: various repayment period numbers and procedure rates are supported;
the calculating unit is used for calculating the withdrawal procedure fees of each credit card account according to the withdrawal amount input by the user, the repayment amount selected by the user and the inquired procedure rates and returning the calculation result to the 5G message client;
a fifth sending unit, configured to send, by the 5G message client, the setting information of the credit card account selected by the user to the 5G message server; the setting information of the credit card account includes: the withdrawal amount input by the user and the repayment period selected by the user;
a sixth sending unit, configured to send, by the 5G message server, the setting information of the credit card account to the bank side, so that the bank side sets the credit card account according to the setting information of the credit card account, and returns a setting result of the credit card account to the 5G message server;
and the seventh sending unit is used for sending the setting result of the credit card account to the 5G message client by the 5G message server and synchronizing the setting result of the credit card account to the block chain.
12. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 9 when executing the computer program.
13. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any one of claims 1 to 9.
14. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 9.
CN202210611940.9A 2022-05-31 2022-05-31 Credit card staging method and device based on block chain Pending CN114971857A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202210611940.9A CN114971857A (en) 2022-05-31 2022-05-31 Credit card staging method and device based on block chain

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202210611940.9A CN114971857A (en) 2022-05-31 2022-05-31 Credit card staging method and device based on block chain

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