CN115511609A - Business handling method and device - Google Patents

Business handling method and device Download PDF

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Publication number
CN115511609A
CN115511609A CN202211268455.2A CN202211268455A CN115511609A CN 115511609 A CN115511609 A CN 115511609A CN 202211268455 A CN202211268455 A CN 202211268455A CN 115511609 A CN115511609 A CN 115511609A
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network
terminal
service
familiarity
message
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CN202211268455.2A
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Chinese (zh)
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韩一曼
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Bank of China Ltd
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Bank of China Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/45—Structures or tools for the administration of authentication
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements

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  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • General Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • General Engineering & Computer Science (AREA)
  • Software Systems (AREA)
  • Accounting & Taxation (AREA)
  • Computer Hardware Design (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

The invention discloses a business handling method and a business handling device, which relate to mobile interconnection, wherein the method comprises the following steps: after a terminal in the familiarity network initiates a service handling request through a preset account, the terminal sends the service handling request to each terminal in the familiarity network through a 5G message, wherein the familiarity network is a network which is created by an authorized user in advance and consists of a group of terminals and transmits information through the 5G message, and the user with at least one terminal in the familiarity network is an authorized user of the preset account; and performing service handling according to the response of each terminal in the familiarity network to the service handling request. The invention can realize the agency processing of other people on the business, simplify the business agency processing flow, facilitate the business handling, and improve the customer experience.

Description

Business handling method and device
Technical Field
The invention relates to the technical field of mobile interconnection, in particular to a business handling method and a business handling device.
Background
With the rapid development of mobile banking, the range of business handled in mobile banking is wider and wider. However, for some special groups, the difficulty of handling business through mobile banking is high due to inexperience in using and operating smart phones. Meanwhile, the existing banking agency handling process is complex, and a complex certification procedure needs to be provided.
The prior art has the defect that no technical scheme supports others to conduct proxy transaction on the business.
Disclosure of Invention
The embodiment of the invention provides a service handling method, which is used for solving the problem that no technical scheme supports others to handle the service in an agent way, and comprises the following steps:
after a terminal in the familiarity network initiates a service handling request through a preset account, the terminal sends the service handling request to each terminal in the familiarity network through a 5G message, wherein the familiarity network is a network which is created by an authorized user in advance and consists of a group of terminals and transmits information through the 5G message, and the user with at least one terminal in the familiarity network is an authorized user of the preset account;
and performing service handling according to the response of each terminal in the familiarity network to the service handling request.
The embodiment of the invention also provides a service handling device, which is used for solving the problem that no technical scheme supports others to carry out proxy handling on the service, and comprises the following components:
the system comprises a message module, a service module and a service module, wherein the message module is used for sending a service handling request to each terminal in a family network through a 5G message after determining that the terminal in the family network initiates the service handling request through a preset account, the family network is a network which is created by an authorized user in advance and consists of a group of terminals and transmits information through the 5G message, and the user with at least one terminal in the family network is an authorized user of the preset account;
and the processing module is used for carrying out service handling according to the response of each terminal in the familiarity network to the service handling request.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the service handling method when executing the computer program.
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 service processing method 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 the computer program is executed by a processor, the service handling method is implemented.
In the embodiment of the invention, compared with the technical scheme that other people cannot perform service proxy in the prior art, after a preset account initiates a service handling request, the service handling request is sent to each terminal in the familiarity network through the 5G message, so that other people can know that service handling occurs, and service handling is performed according to the response of each terminal to the service handling request, therefore, the service proxy can be performed as long as other people can perform service handling, the proxy processing of other people to the service can be realized, the service proxy processing flow is simplified, the service handling is more convenient, and the customer experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a schematic view of a business handling method implementation flow in an embodiment of the present invention;
FIG. 2 is a schematic diagram of a service handling architecture according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of a business transaction implementation flow in the embodiment of the present invention;
FIG. 4 is a schematic structural diagram of a service handling apparatus according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The inventor notices in the process of invention that:
with the rapid development of mobile banking, the range of business handled in mobile banking is wider and wider.
On the one hand, the existing mobile banking business handling mode is not friendly to part of old people and special groups, because the old people and the special groups are not skilled in using and operating smart phones, the business handling difficulty through mobile banking is high, and the convenience of business handling is reduced.
On the other hand, the existing service agency process is too complicated, and the service agency process can be properly simplified for the service with lower risk level.
Based on the above, the embodiment of the invention provides a mobile banking business agency method based on the familiarity account, which opens the specific authority for the familiarity accounts in a mode of setting the relationship of the familiarity accounts, allows the user to agency the corresponding business for the familiarity accounts through the mobile banking, and simplifies the business agency process.
The following examples are given by way of illustration.
Fig. 1 is a schematic flow chart of an implementation of a business handling method, as shown in fig. 1, which may include:
step 101, after a terminal in a network with familiarity initiates a service handling request through a preset account, sending the service handling request to each terminal in the network with familiarity through a 5G message, wherein the network with familiarity is a network which is created by an authorized user in advance and consists of a group of terminals and transmits information through the 5G message, and a user with at least one terminal in the network with familiarity is an authorized user of the preset account;
and 102, performing service handling according to the response of each terminal in the familiarity network to the service handling request.
The affinity network refers to an association relationship among a group of users, the association relationship is created by users, and relationships such as blooding relations may exist between users. The creation of the familiarity network is initiated by the user, and invites other users to participate to jointly form the familiarity network. For example, a child creates an affinity network account and invites a parent to join.
In implementation, the business is banking business processed through a mobile phone.
In an implementation, the affinity network ranks users using terminals when the affinity network is created in advance by an authorized user.
In the implementation, the user using the terminal performs the grading, and the grading is distinguished through different security verification methods.
Specifically, when the user establishes the familiarity accounts, the level of the association relationship between the familiarity accounts can be identified. Then, the user can form a user strong association relationship through modes such as supplementary security verification and the like.
In implementation, when the affinity network is created in advance by an authorized user, it is determined that each user using a terminal can distinguish between services in which the terminal responds to a service transaction request.
Specifically, the user can open the familiarity account service for transacting authorization, and select the service item to be transacted at the same time, so as to define the service range that the familiarity account can transact for the user.
When the method is implemented, a 5G message channel can be built, the pushing of messages among the familiarity network users is completed, and the timeliness of the message pushing is ensured; establishing a safety mechanism to ensure the safety of the transaction and communication between the familiarity accounts; and (4) opening authorization, and defining the service range transacted between the familiarity accounts.
The following is an example.
Fig. 2 is a schematic diagram of a service handling architecture, and as shown in fig. 2, at least one functional architecture that can implement service handling may include: an authorization module, a proxy module, and a security module. Wherein:
an authorization module: and through the authorization module, the service range of the user which can be processed by the agency is determined.
A proxy module: and the service agency transaction among the familiarity accounts is realized.
A security module: and the system is responsible for functions of user authentication, session maintenance and the like, and ensures the communication security between the familiarity accounts.
Fig. 3 is a schematic diagram of a business handling implementation flow, as shown in fig. 3, which may include:
step 301: establishing an affinity account;
and when the user establishes the familiarity accounts, identifying the association relationship level between the familiarity accounts. The user can form a user strong association relationship through modes such as supplementary security verification and the like.
Step 302: opening the familiarity account service proxy management authorization through an authorization module;
the user opens the familiarity account service through the authorization module to handle authorization, and selects the service item to be handled at the same time, thereby defining the service range that the familiarity account can handle.
Step 303: and the users of the two parties in the strong association relationship of the familiarity accounts transact corresponding services for the other party.
The users of the two parties in the strong relationship of the familiarity accounts can conveniently and quickly transact corresponding services for the opposite party through a mobile banking in the service range authorized and opened by the opposite party.
The embodiment of the invention also provides a business handling device, which is described in the following embodiment. Because the principle of solving the problems of the device is similar to the business handling method, the implementation of the device can refer to the implementation of the business handling method, and repeated parts are not described again.
Fig. 4 is a schematic structural diagram of a service handling apparatus, as shown in fig. 4, which may include:
a message module 401, configured to send a service handling request to each terminal in a familiarity network through a 5G message after determining that the terminal in the familiarity network initiates the service handling request through a preset account, where the familiarity network is a network that is created in advance by an authorized user and is composed of a group of terminals and transmits information through the 5G message, and a user with at least one terminal in the familiarity network is an authorized user of the preset account;
a processing module 402, configured to perform service handling according to a response of each terminal in the affinity network to the service handling request.
In an implementation, the message module is further configured to determine that the service initiating the service handling request is a banking service handled by a mobile phone.
In an implementation, the message module is further configured to send a service handling request to each terminal in an affinity network, where the affinity network is created by an authorized user in advance, and the affinity network performs ranking on users using the terminals.
In an implementation, the message module is further configured to send a service handling request to each terminal in an affinity network, where the affinity network distinguishes between users using the terminals by different security verification methods when ranking the users.
In implementation, the message module is further configured to send a service handling request to each terminal in the familiarity network, where the familiarity network is created in advance by an authorized user, and determines that services, to which the service handling request is responded, can be distinguished on the terminal by each user using the terminal.
When the technical scheme provided by the embodiment of the invention is implemented, the implementation can be carried out as follows.
Fig. 5 is a schematic diagram of a computer device, as shown in fig. 5, the computer device includes:
the processor 500, which is used to read the program in the memory 520, executes the following processes:
after a terminal in the familiarity network initiates a service handling request through a preset account, the terminal sends the service handling request to each terminal in the familiarity network through a 5G message, wherein the familiarity network is a network which is created by an authorized user in advance and consists of a group of terminals and transmits information through the 5G message, and the user with at least one terminal in the familiarity network is an authorized user of the preset account;
performing service handling according to the response of each terminal in the familiarity network to the service handling request;
performing service handling according to the feedback of each terminal to the transaction request;
a transceiver 510 for receiving and transmitting data under the control of the processor 500.
In implementation, the business is banking business processed through a mobile phone.
In an implementation, the affinity network ranks users using terminals when the affinity network is created in advance by an authorized user.
In the implementation, the user using the terminal performs the grading, and the grading is distinguished through different security verification methods.
In implementation, when the affinity network is created by an authorized user in advance, it is determined that each user using a terminal can distinguish between services in which a service transaction request is responded to at the terminal.
Wherein in fig. 5, the bus architecture may include any number of interconnected buses and bridges, with one or more processors, represented by processor 500, and various circuits, represented by memory 520, being linked together. The bus architecture may also link together various other circuits such as peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, will not be described any further herein. The bus interface provides an interface. The transceiver 510 may be a number of elements including a transmitter and a receiver that provide a means for communicating with various other apparatus over a transmission medium. The processor 500 is responsible for managing the bus architecture and general processing, and the memory 520 may store data used by the processor 500 in performing operations.
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 service handling method 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 the computer program is executed by a processor, the service handling method is implemented.
In the embodiment of the invention, the incidence relation among the users is established based on the familiarity network, the information push among the familiarity network users is realized by combining the 5G message technology, the related service handling information can be ensured to be pushed to other people in time, the service handling authority between the familiarity accounts is opened by the authorization of the users, the service handling procedure is simplified, the service handling is more convenient and faster, and the customer experience is improved.
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 (13)

1. A method for transaction, comprising:
after a terminal in the familiarity network initiates a service handling request through a preset account, the terminal sends the service handling request to each terminal in the familiarity network through a 5G message, wherein the familiarity network is a network which is created by an authorized user in advance and consists of a group of terminals and transmits information through the 5G message, and the user with at least one terminal in the familiarity network is an authorized user of the preset account;
and performing service handling according to the response of each terminal in the familiarity network to the service handling request.
2. The method of claim 1, wherein the transaction is a banking transaction handled by a cell phone.
3. The method of claim 1, wherein the affinity network ranks users using terminals when previously created by authorized users.
4. A method according to claim 3, characterized in that the ranking by the users of the terminals is differentiated by different security check means.
5. The method of claim 1, wherein the affinity network determines services on the terminals to which the users using the terminals can respond to the service transaction request, when previously created by the authorized user.
6. A transaction arrangement, comprising:
the system comprises a message module, a service module and a service module, wherein the message module is used for sending a service handling request to each terminal in a family network through a 5G message after determining that the terminal in the family network initiates the service handling request through a preset account, the family network is a network which is created by an authorized user in advance and consists of a group of terminals and transmits information through the 5G message, and the user with at least one terminal in the family network is an authorized user of the preset account;
and the processing module is used for carrying out service handling according to the response of each terminal in the familiarity network to the service handling request.
7. The apparatus of claim 6, wherein the message module is further for determining that the service initiating the service transaction request is a banking service handled by a cell phone.
8. The apparatus of claim 6, wherein the message module is further for sending a service transaction request to each terminal in an affinity network that ranks users using the terminals when previously created by authorized users.
9. The apparatus of claim 8, wherein the message module is further configured to send the service transaction request to each terminal in an affinity network, and the affinity network is differentiated by different security check methods when ranking the users using the terminals.
10. The apparatus of claim 6, wherein the message module is further for sending a service transaction request to each terminal in an affinity network that, when pre-created by an authorized user, determines that each user using the terminal can differentiate services on the terminal that are responsive to the service transaction request.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1 to 5 when executing the computer program.
12. 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 of claims 1 to 5.
13. 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 5.
CN202211268455.2A 2022-10-17 2022-10-17 Business handling method and device Pending CN115511609A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202211268455.2A CN115511609A (en) 2022-10-17 2022-10-17 Business handling method and device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202211268455.2A CN115511609A (en) 2022-10-17 2022-10-17 Business handling method and device

Publications (1)

Publication Number Publication Date
CN115511609A true CN115511609A (en) 2022-12-23

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Application Number Title Priority Date Filing Date
CN202211268455.2A Pending CN115511609A (en) 2022-10-17 2022-10-17 Business handling method and device

Country Status (1)

Country Link
CN (1) CN115511609A (en)

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