CN115481998A - Cross-border remittance method and device based on 5G message - Google Patents

Cross-border remittance method and device based on 5G message Download PDF

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Publication number
CN115481998A
CN115481998A CN202211186661.9A CN202211186661A CN115481998A CN 115481998 A CN115481998 A CN 115481998A CN 202211186661 A CN202211186661 A CN 202211186661A CN 115481998 A CN115481998 A CN 115481998A
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China
Prior art keywords
remittance
user
information
cross
border
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Pending
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CN202211186661.9A
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Chinese (zh)
Inventor
苗佳楠
马文文
王瑶
刘燕
李一凡
刘丽娟
李腾飞
彭昶
王红香
杨硕
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Bank of China Ltd
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Bank of China Ltd
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Priority to CN202211186661.9A priority Critical patent/CN115481998A/en
Publication of CN115481998A publication Critical patent/CN115481998A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements

Abstract

The application provides a cross-border remittance method and a device based on 5G information, which relate to the field of account security control and can be applied to the financial field and other fields, wherein the method comprises the following steps: feeding back response data to the user according to the cross-border remittance request provided by the user through the 5G message; acquiring account authentication information and remittance information provided by a user through the response data by using 5G messages, and verifying the account authentication information through a preset database to obtain a verification result; and processing the remittance information through a preset database according to the verification result to finish cross-border remittance. Therefore, the cross-border remittance is represented by bank card account password authentication and related security verification through the related technology of the 5G message RCS, so that the cross-border remittance is efficiently completed on the premise of ensuring the transaction security of the user.

Description

Cross-border remittance method and device based on 5G message
Technical Field
The application relates to the field of account security control, which can be applied to the financial field and other fields, in particular to a cross-border remittance method and a device based on 5G messages.
Background
At present, cross-border remittance can be completed only by logging in a mobile phone bank account number by using a mobile phone bank app, and cross-border remittance cannot be completed under special conditions that a user cannot use the app, cannot go to a website for handling and the like. Meanwhile, compared with the domestic service, the cross-border remittance service has certain risk and has higher requirement on the security of the transaction. Therefore, how to improve the efficiency and convenience of cross-border service transaction under the premise of protecting the security of remittance of the user becomes a great problem to be solved at present.
Disclosure of Invention
The application aims to provide a cross-border remittance method and device based on 5G messages, bank card account password authentication and related security verification are carried out through a 5G message RCS related technology (hereinafter referred to as 5G messages) to represent cross-border remittance, and therefore cross-border remittance is efficiently completed on the premise that user transaction security is guaranteed.
To achieve the above object, the present application provides a method for cross-border remittance based on 5G message, which specifically comprises: feeding back response data to the user according to the cross-border remittance request provided by the user through the 5G message; acquiring account authentication information and remittance information provided by a user through the response data by using 5G messages, and verifying the account authentication information through a preset database to obtain a verification result; and processing the remittance information through a preset database according to the verification result to finish cross-border remittance.
In the above-mentioned cross-border remittance method based on 5G message, optionally, the feedback response data to the user according to the cross-border remittance request provided by the user through the 5G message includes: analyzing according to a cross-border remittance request provided by a user through a 5G message to obtain a user mobile phone number; calling a preset authentication template according to the user mobile phone number to generate an authentication request, and generating a unique identification number according to the authentication request; and generating response data according to the unique identification number and the authentication request.
In the above 5G message-based cross-border remittance method, optionally, the method further includes: obtaining a processing result of the preset database on the remittance information, and generating a remittance voucher according to the processing result; and feeding back the remittance voucher to a user according to the unique identification number.
In the above cross-border remittance method based on 5G message, optionally, the verifying the account authentication information by using a preset database to obtain a verification result further includes: analyzing the account authentication information to obtain bank card information and password information; inquiring a corresponding preset mobile phone number in a preset database according to the bank card information, and performing consistency analysis on the preset mobile phone number and the mobile phone number of the user; and providing the bank card information and the password information to a preset database for verification according to the analysis result.
In the above 5G message-based cross-border remittance method, optionally, the method includes: generating remittance authority information according to a security policy selected by a user, binding the remittance authority information with an account, and storing the remittance authority information and the account into a preset database; the security policy comprises one or more combinations of regional security control, relationship security control or multi-password security control.
In the above-mentioned cross-border remittance method based on 5G message, optionally, the feeding back response data to the user according to the cross-border remittance request provided by the user through the 5G message further includes: and analyzing the cross-border remittance request to obtain the security attribute parameters of the user, and providing the security attribute parameters to a preset database.
In the above 5G message-based cross-border remittance method, optionally, the processing the remittance information through a preset database according to the verification result to complete the cross-border remittance further includes: obtaining user balance data and remittance authority information in a preset database according to the verification result; analyzing and obtaining a security policy of a user according to the remittance authority information, and verifying the security attribute parameters according to the security policy; and after the verification is passed, comparing the remittance information with user balance data, processing the remittance information according to a comparison result to finish cross-border remittance and updating the user balance data in a preset database.
The application also provides a cross-border remittance device based on the 5G message, which comprises a response module, a verification module and a processing module; the response module is used for feeding back response data to the user according to the cross-border remittance request provided by the user through the 5G message; the verification module is used for acquiring account authentication information and remittance information provided by a user through the response data by using 5G messages, and verifying the account authentication information through a preset database to obtain a verification result; and the processing module is used for processing the remittance information through a preset database according to the verification result to finish cross-border remittance.
In the above cross-border remittance apparatus based on 5G message, optionally, the response module includes an analyzing unit, and the analyzing unit is configured to analyze the cross-border remittance request provided by the user through the 5G message to obtain the user mobile phone number; calling a preset authentication template according to the user mobile phone number to generate an authentication request, and generating a unique identification number according to the authentication request; and generating response data according to the unique identification number and the authentication request.
In the above cross-border remittance apparatus based on 5G message, optionally, the verification module further includes a comparison unit, where the comparison unit is configured to analyze the account authentication information to obtain bank card information and password information; inquiring a corresponding preset mobile phone number in a preset database according to the information of the bank card, and performing consistency analysis on the preset mobile phone number and the mobile phone number of the user; and providing the bank card information and the password information to a preset database for verification according to the analysis result.
In the above cross-border remittance apparatus based on the 5G message, optionally, the apparatus includes a security setting module, where the security setting module is configured to generate remittance authority information according to a security policy selected by a user, bind the remittance authority information with an account, and store the remittance authority information in a preset database; the security policy comprises one or more combinations of regional security control, relationship security control or multi-password security control.
In the above cross-border remittance apparatus based on 5G message, optionally, the response module further includes: and analyzing the cross-border remittance request to obtain the security attribute parameters of the user, and providing the security attribute parameters to a preset database.
In the above cross-border remittance apparatus based on 5G message, optionally, the processing module further includes an inquiring unit and an analyzing unit; the query unit is used for acquiring user balance data and remittance authority information in a preset database according to the verification result; the analysis unit is used for analyzing and obtaining a security policy of a user according to the remittance authority information and verifying the security attribute parameter according to the security policy; when the verification is passed, the remittance information is compared with user balance data.
The application also provides an electronic device, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes the computer program to realize the method.
The present application also provides a computer-readable storage medium storing a computer program for executing the above method.
The present application also provides a computer program product comprising computer programs/instructions which, when executed by a processor, implement the steps of the above-described method.
The beneficial technical effect of this application lies in: the complexity of the existing cross-border remittance is greatly reduced, and the cross-border remittance can be handled only through the password authentication of the bank card account under the premise of ensuring the transaction safety of the user, so that the business handling efficiency and convenience are improved. Moreover, the noninductive checking mode also reduces the complexity of user operation and improves the remittance safety.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application, are incorporated in and constitute a part of this application, and are not intended to limit the application. In the drawings:
FIG. 1 is a flow chart illustrating a cross-border remittance method based on 5G messages according to an embodiment of the present application;
fig. 2 is a schematic diagram illustrating a generation flow of response data according to an embodiment of the present application;
FIG. 3 is a flow chart illustrating the feedback of money transfer credentials provided by an embodiment of the present application;
FIG. 4 is a schematic view of a consistency analysis process according to an embodiment of the present application;
fig. 5 is a schematic diagram illustrating a database verification process according to an embodiment of the present application;
FIG. 6 is a schematic diagram of a cross-border money transfer device based on 5G messages according to an embodiment of the present application;
fig. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
Detailed Description
The following detailed description will be provided with reference to the drawings and examples to explain how to apply the technical means to solve the technical problems and to achieve the technical effects. It should be noted that, as long as there is no conflict, the embodiments and the features of the embodiments in the present application may be combined with each other, and the technical solutions formed are all within the scope of the present application.
Additionally, the steps illustrated in the flow charts of the figures may be performed in a computer system such as a set of computer-executable instructions and, although a logical order is illustrated in the flow charts, in some cases, the steps illustrated or described may be performed in an order different than here.
Referring to fig. 1, the cross-border remittance method based on 5G message provided by the present application specifically includes:
s101, according to a cross-border remittance request provided by a user through a 5G message, feeding back response data to the user;
s102, acquiring account authentication information and remittance information provided by a user through the response data by using 5G messages, and verifying the account authentication information through a preset database to obtain a verification result;
s103, processing the remittance information through a preset database according to the verification result to finish cross-border remittance.
Specifically, in actual operation, 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 has Rich media Communication Services and Suite (RCS), which can integrate voice, message, status bar, location service and other Communication Services, and realize various Rich applications of APP on a short message interface through various functional interfaces, thereby providing richer multimedia Services and giving brand new interactive experience to enterprises, merchants and clients. In the technical scheme of the application, the data acquisition, storage, use, processing and the like all accord with relevant regulations of national laws and regulations.
Referring to fig. 2, in an embodiment of the present application, the feedback response data to the user according to the cross-border remittance request provided by the user through the 5G message includes:
s201, according to the cross-border remittance request provided by the user through the 5G message, analyzing to obtain the mobile phone number of the user;
s202, calling a preset authentication template to generate an authentication request according to the mobile phone number of the user, and generating a unique identification number according to the authentication request;
s203, generating response data according to the unique identification number and the authentication request.
Further, referring to fig. 3, the method may further include:
s301, obtaining a processing result of the money transfer information by a preset database, and generating a money transfer voucher according to the processing result;
s302, the remittance voucher is fed back to the user according to the unique identification number.
Therefore, the server and the database can realize asynchronous feedback of the service processing result in a mode similar to a card message queue through the embodiment, so that the account management center and the database do not have the requirement on real-time performance any more, and the use load of the existing equipment is reduced.
In another embodiment, as shown in fig. 4, the verifying the account authentication information by the preset database to obtain the verification result further includes:
s401, analyzing the account authentication information to obtain bank card information and password information;
s402, inquiring a corresponding preset mobile phone number in a preset database according to the information of the bank card, and performing consistency analysis on the preset mobile phone number and the mobile phone number of the user;
s403, providing the information of the bank card and the password information to a preset database for verification according to the analysis result.
In the embodiment, whether the transaction behavior is operated by the user can be confirmed through the comparison result of the mobile phone number of the user initiating the cross-border remittance and the reserved mobile phone number, so that the illegal transaction behavior after other people acquire the information of the bank card is avoided, and the fund safety of the user is preliminarily ensured; after the operation behavior of the user is confirmed, the bank card number and the password are provided to the database for verification, so that the behavior that other people illegally use the mobile phone of the user to carry out cross-border remittance is avoided; in the process, the verification is started only after the user provides accurate bank card information and password through the reserved mobile phone, so that the security of remittance transaction can be effectively improved.
In an embodiment of the present application, the method may further include: generating remittance authority information according to a security policy selected by a user, binding the remittance authority information with an account, and storing the remittance authority information and the account into a preset database; wherein the security policy comprises one or a combination of a regional security control, a relationship security control, or a multi-password security control. Specific meanings of the regional security control, the relative security control or the multi-password security control will be described in detail in the following embodiments, and will not be described in detail herein.
Specifically, on the basis of the above embodiment, feeding back response data to the user according to the cross-border remittance request provided by the user through the 5G message may further include: and analyzing the cross-border remittance request to obtain the security attribute parameters of the user, and providing the security attribute parameters to a preset database. As shown in fig. 5, the processing the remittance information through the predetermined database to complete the cross-border remittance according to the verification result further includes:
s501, obtaining user balance data and remittance authority information in a preset database according to the verification result;
s502, analyzing and obtaining a security policy of a user according to the remittance authority information, and verifying the security attribute parameters according to the security policy;
s503, after the verification is passed, the remittance information is compared with the user balance data, the remittance information is processed according to the comparison result to complete cross-border remittance, and the user balance data in a preset database is updated.
Specifically, in actual work, in view of the fact that the user performs cross-border remittance in a short message manner and does not verify valid certificate information such as an identity card, for this reason, to further improve the security of cross-border remittance, a hidden password, that is, a security policy that only the user knows itself, may be provided for different users, for example:
when the user adopts regional safety control and sets the resident city as a safety city, the safety attribute parameters can contain the position information of the mobile phone which initiates cross-border remittance by the user, whether the mobile phone is in the range of the safety city is judged based on the position information, if the mobile phone is in the range of the safety city, the subsequent process is continued, and if the mobile phone is not in the range of the safety city, the mobile phone communicates with the user through other existing safety confirmation processes to confirm whether the cross-border remittance is the real intention of the user, so that after illegal personnel collect the relevant information of the user through a network in other places, the cross-border remittance still cannot be carried out, and the user is not influenced by the safety strategy.
When the user adopts the relationship safety control, the user can designate one or more persons as the personal relatives or the agent personnel, the mobile phone numbers of the persons and the personal mobile phone number can be normally checked when the cross-border remittance is carried out through the 5G message, and other mobile phone numbers of the persons which are not designated can directly check and fail or further communicate with the user to confirm whether the cross-border remittance is the real intention of the user when the cross-border remittance is carried out on the personal account operation.
When the user adopts multi-password security control, the user can independently set a hidden password which is only known by the user, the password can be information such as character strings, words and the like, and after the information is mixed into the cross-border remittance request, whether the cross-border remittance is the real intention of the user can be judged in the subsequent verification process; if the hidden password is not detected, communicating with the user through other existing security confirmation processes to confirm whether the cross-border remittance is the real intention of the user; or limiting the transaction amount of the cross-border remittance; the setting can be selected by those skilled in the art according to the actual needs, and the present application is not limited further herein.
Referring to fig. 6, the present application further provides a cross-border remittance apparatus based on 5G message, which includes a response module, a verification module and a processing module; the response module is used for feeding back response data to the user according to the cross-border remittance request provided by the user through the 5G message; the verification module is used for acquiring account authentication information and remittance information provided by a user through the response data by using 5G messages, and verifying the account authentication information through a preset database to acquire a verification result; and the processing module is used for processing the remittance information through a preset database according to the verification result to complete cross-border remittance.
In the above embodiment, the response module includes an analysis unit, and the analysis unit is configured to obtain a mobile phone number of the user through analysis according to a cross-border remittance request provided by the user through a 5G message; calling a preset authentication template according to the mobile phone number of the user to generate an authentication request, and generating a unique identification number according to the authentication request; and generating response data according to the unique identification number and the authentication request. Further, the verification module further comprises a comparison unit, and the comparison unit is used for analyzing the account authentication information to obtain bank card information and password information; inquiring a corresponding preset mobile phone number in a preset database according to the bank card information, and performing consistency analysis on the preset mobile phone number and the mobile phone number of the user; and providing the bank card information and the password information to a preset database for verification according to the analysis result.
In another embodiment of the present application, the apparatus includes a security setting module, where the security setting module is configured to generate remittance authority information according to a security policy selected by a user, bind the remittance authority information with an account, and store the remittance authority information in a preset database; wherein the security policy comprises one or a combination of a regional security control, a relationship security control, or a multi-password security control. Further, the response module further comprises: and analyzing the cross-border remittance request to obtain the security attribute parameters of the user, and providing the security attribute parameters to a preset database. The processing module also comprises a query unit and an analysis unit; the query unit is used for acquiring user balance data and remittance authority information in a preset database according to the verification result; the analysis unit is used for analyzing and obtaining a security policy of a user according to the remittance authority information and verifying the security attribute parameter according to the security policy; when the verification is passed, the remittance information is compared with user balance data. The specific application logic of the above components has been described in detail in the foregoing embodiments, and will not be described in detail herein.
The user information in the embodiment of the application is obtained through legal compliance, and the user information is obtained, stored, used, processed and the like through authorization approval of a client.
The beneficial technical effect of this application lies in: the complexity of the existing cross-border remittance is greatly reduced, and the cross-border remittance can be handled only through the password authentication of the bank card account under the premise of ensuring the transaction safety of the user, so that the business handling efficiency and convenience are improved. Moreover, the noninductive checking mode also reduces the complexity of user operation and improves the remittance safety.
The application also provides an electronic device, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes the computer program to realize the method.
The present application also provides a computer-readable storage medium storing a computer program for executing the above method.
The present application also provides a computer program product comprising computer programs/instructions which, when executed by a processor, implement the steps of the above-described method.
As shown in fig. 7, the electronic device 600 may further include: communication module 110, input unit 120, audio processing unit 130, display 160, power supply 170. It is noted that the electronic device 600 does not necessarily include all of the components shown in fig. 7; furthermore, the electronic device 600 may also comprise components not shown in fig. 7, which may be referred to in the prior art.
As shown in fig. 7, the central processor 100, sometimes referred to as a controller or operational control, may include a microprocessor or other processor device and/or logic device, the central processor 100 receiving input and controlling the operation of the various components of the electronic device 600.
The memory 140 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable devices. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 100 may execute the program stored in the memory 140 to realize information storage or processing, etc.
The input unit 120 provides input to the cpu 100. The input unit 120 is, for example, a key or a touch input device. The power supply 170 is used to provide power to the electronic device 600. The display 160 is used to display an object to be displayed, such as an image or a character. The display may be, for example, but is not limited to, an LCD display.
The memory 140 may be a solid state memory such as Read Only Memory (ROM), random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 140 may also be some other type of device. Memory 140 includes buffer memory 141 (sometimes referred to as a buffer). The memory 140 may include an application/function storage section 142, and the application/function storage section 142 is used to store application programs and function programs or a flow for executing the operation of the electronic device 600 by the central processing unit 100.
The memory 140 may also include a data store 143, the data store 143 for storing data, such as contacts, digital data, pictures, sounds, and/or any other data used by the electronic device. The driver storage portion 144 of the memory 140 may include various drivers of the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging application, address book application, etc.).
The communication module 110 is a transmitter/receiver 110 that transmits and receives signals via an antenna 111. The communication module (transmitter/receiver) 110 is coupled to the central processor 100 to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal.
Based on different communication technologies, a plurality of communication modules 110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 110 is also coupled to a speaker 131 and a microphone 132 via an audio processor 130 to provide audio output via the speaker 131 and receive audio input from the microphone 132 to implement general telecommunications functions. Audio processor 130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, an audio processor 130 is also coupled to the central processor 100, so that recording on the local can be enabled through a microphone 132, and so that sound stored on the local can be played through a speaker 131.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application 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 application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. 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 further described in detail for the purpose of illustrating the invention, and it should be understood that the above-mentioned embodiments are only illustrative of the present invention and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements, etc. made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (16)

1. A method for cross-border remittance based on 5G messages, the method comprising:
feeding back response data to the user according to the cross-border remittance request provided by the user through the 5G message;
acquiring account authentication information and remittance information provided by a user through the response data by using 5G messages, and verifying the account authentication information through a preset database to obtain a verification result;
and processing the remittance information through a preset database according to the verification result to complete cross-border remittance.
2. The method of claim 1, wherein the step of feeding back response data to the user according to the cross-border remittance request provided by the user through the 5G message comprises:
analyzing according to a cross-border remittance request provided by a user through a 5G message to obtain a user mobile phone number;
calling a preset authentication template according to the user mobile phone number to generate an authentication request, and generating a unique identification number according to the authentication request;
and generating response data according to the unique identification number and the authentication request.
3. The method of claim 2, further comprising:
obtaining a processing result of the preset database on the remittance information, and generating a remittance voucher according to the processing result;
and feeding back the remittance voucher to a user according to the unique identification number.
4. The method of claim 2, wherein the verifying the account authentication information with a predetermined database to obtain a verification result further comprises:
analyzing the account authentication information to obtain bank card information and password information;
inquiring a corresponding preset mobile phone number in a preset database according to the bank card information, and performing consistency analysis on the preset mobile phone number and the mobile phone number of the user;
and providing the bank card information and the password information to a preset database for verification according to the analysis result.
5. The 5G message-based trans-border remittance method according to claim 1, comprising: generating remittance authority information according to a security policy selected by a user, binding the remittance authority information with an account, and storing the remittance authority information and the account into a preset database; the security policy comprises one or more combinations of regional security control, relationship security control or multi-password security control.
6. The method of claim 5G message-based cross-border remittance according to claim 5, wherein the step of feeding back response data to the user according to the cross-border remittance request provided by the user through the 5G message further comprises:
and analyzing the cross-border remittance request to obtain the security attribute parameters of the user, and providing the security attribute parameters to a preset database.
7. The method of claim 6, wherein processing the remittance information through a predetermined database to complete the cross-border remittance according to the verification result further comprises:
obtaining user balance data and remittance authority information in a preset database according to the verification result;
analyzing according to the remittance authority information to obtain a security policy of a user, and verifying the security attribute parameter according to the security policy;
and after the verification is passed, comparing the remittance information with user balance data, processing the remittance information according to a comparison result to finish cross-border remittance and updating the user balance data in a preset database.
8. A cross-border remittance apparatus based on 5G messages, comprising a response module, a verification module and a processing module;
the response module is used for feeding back response data to the user according to the cross-border remittance request provided by the user through the 5G message;
the verification module is used for acquiring account authentication information and remittance information provided by a user through the response data by using 5G messages, and verifying the account authentication information through a preset database to obtain a verification result;
and the processing module is used for processing the remittance information through a preset database according to the verification result to finish cross-border remittance.
9. The 5G message-based cross-border remittance apparatus according to claim 8, wherein the response module comprises a parsing unit for parsing to obtain the user's mobile phone number according to the cross-border remittance request provided by the user through the 5G message; calling a preset authentication template according to the user mobile phone number to generate an authentication request, and generating a unique identification number according to the authentication request; and generating response data according to the unique identification number and the authentication request.
10. The 5G message-based cross-border remittance apparatus according to claim 9, wherein the verification module further comprises a comparison unit for analyzing the account authentication information to obtain bank card information and password information; inquiring a corresponding preset mobile phone number in a preset database according to the information of the bank card, and performing consistency analysis on the preset mobile phone number and the mobile phone number of the user; and providing the bank card information and the password information to a preset database for verification according to the analysis result.
11. The 5G message-based cross-border remittance device according to claim 8, wherein the device comprises a security configuration module, the security configuration module is used for generating remittance authority information according to a security policy selected by a user, binding the remittance authority information with an account and storing the remittance authority information in a preset database; the security policy comprises one or more combinations of regional security control, relationship security control or multi-password security control.
12. The 5G message-based cross-border money transfer device of claim 11, wherein the answering module further comprises: and analyzing the cross-border remittance request to obtain the security attribute parameters of the user, and providing the security attribute parameters to a preset database.
13. The 5G message-based cross-border money transfer device of claim 12, wherein the processing module further comprises a query unit and an analysis unit;
the query unit is used for acquiring user balance data and remittance authority information in a preset database according to the verification result;
the analysis unit is used for analyzing and obtaining a security policy of a user according to the remittance authority information and verifying the security attribute parameter according to the security policy; when the verification is passed, the remittance information is compared with user balance data.
14. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1 to 7 when executing the computer program.
15. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 7 by a computer.
16. A computer program product comprising computer program/instructions, characterized in that the computer program/instructions, when executed by a processor, implement the steps of the method of any of claims 1 to 7.
CN202211186661.9A 2022-09-27 2022-09-27 Cross-border remittance method and device based on 5G message Pending CN115481998A (en)

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