CN117495519A - Financial document processing method, apparatus, computer device and storage medium - Google Patents

Financial document processing method, apparatus, computer device and storage medium Download PDF

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Publication number
CN117495519A
CN117495519A CN202311251458.XA CN202311251458A CN117495519A CN 117495519 A CN117495519 A CN 117495519A CN 202311251458 A CN202311251458 A CN 202311251458A CN 117495519 A CN117495519 A CN 117495519A
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financial
information
target
certificate
credential
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李腾飞
张晶奇
吕志博
惠超
张一大
彭昶
何佳豪
丁二帅
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Bank of China Ltd
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Bank of China Ltd
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Priority to CN202311251458.XA priority Critical patent/CN117495519A/en
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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
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90—Details of database functions independent of the retrieved data types
    • G06F16/903—Querying
    • G06F16/90335—Query processing
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
    • Y02D10/00—Energy efficient computing, e.g. low power processors, power management or thermal management

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Abstract

The application relates to a financial document processing method, a financial document processing device, a financial document processing computer device, a financial document storage medium and a financial document processing computer program product. The method comprises the following steps: receiving a financial certificate supplementing message triggered by a 5G message interface of a financial platform; the financial document supplementing message carries a target user identifier and a document identifier of a target financial document; determining the credential attestation information bound by the target user identifier; the certificate proving information bound by the target user identifier is uploaded through a 5G message interface; based on the certificate identification of the target financial certificate, searching the certificate identification information of the target financial certificate from the certificate identification information bound by the target user identification; and under the condition of finding, performing the supplementing processing based on the certificate proving information of the target financial certificate. By adopting the method, the supplementing efficiency of the financial document can be improved.

Description

Financial document processing method, apparatus, computer device and storage medium
Technical Field
The present application relates to the field of financial technology, and in particular, to a financial document processing method, apparatus, computer device, storage medium, and computer program product.
Background
With the development of the financial field, the financial document loss reporting and supplementing technology is diversified, a user can report and supplement the financial document on line through an application program, and when the financial document of the user is lost, the user can report and supplement a new financial document through an on-line channel.
In the conventional technology, the loss report and repair of the online financial certificate are generally realized through application software such as an internet bank or a mobile phone bank. The user logs in the own bank account, selects the loss reporting function, and provides relevant information such as card numbers, identity authentication and the like so as to facilitate the loss reporting operation of the bank. After the user finishes the loss reporting, when the user performs the supplementing operation, a process similar to the new registered financial document flow is also required to be performed once.
However, the conventional online financial certificate loss reporting and supplementing method has the problem of complicated flow.
Disclosure of Invention
In view of the foregoing, it is desirable to provide a financial document processing method, apparatus, computer device, computer readable storage medium, and computer program product that can simplify the financial document loss compensation process.
In a first aspect, the present application provides a method for processing financial credentials. The method comprises the following steps: receiving a financial certificate supplementing message triggered by a 5G message interface of a financial platform; the financial document supplementing message carries a target user identifier and a document identifier of a target financial document; determining the credential attestation information bound by the target user identifier; the certificate proving information bound by the target user identifier is uploaded through a 5G message interface; based on the certificate identification of the target financial certificate, searching the certificate identification information of the target financial certificate from the certificate identification information bound by the target user identification; and under the condition of finding, performing the supplementing processing based on the certificate proving information of the target financial certificate.
In some embodiments, the method further comprises: receiving a financial credential storage message sent through a 5G message interface of a financial platform; the financial document storage message carries the target user identification and the document proof information of the target financial document; and binding the certificate certification information of the target financial certificate with the target user identification in response to the financial certificate storage message.
In some embodiments, the binding the credential attestation information of the target financial credential with the target user identification in response to the financial credential storage message comprises: responding to the financial document storage message, and acquiring the document information of the target financial document from the document evidence information of the target financial document; performing credential verification based on the credential information of the target financial credential to obtain a verification result corresponding to the credential verification information of the target financial credential; and binding the credential proof information with the target user identifier under the condition that the verification result is that verification is passed.
In some embodiments, the determining that the subsidy condition is met and the subsidy processing is performed in the case of the finding includes: under the condition of finding, acquiring a verification result corresponding to the certificate proving information of the target financial certificate; if the verification result is that the verification is passed, determining that the verification meets the repair condition and performing repair processing
In a second aspect, the present application also provides a financial document processing apparatus. The device comprises: the financial certificate supplementing message receiving module is used for receiving a financial certificate supplementing message triggered by a 5G message interface of the financial platform; the financial document supplementing message carries a target user identifier and a document identifier of a target financial document; the credential proof information determining module is used for determining the credential proof information bound by the target user identifier; the certificate proving information bound by the target user identifier is uploaded through a 5G message interface; the certificate verification information searching module is used for searching the certificate verification information of the target financial certificate from the certificate verification information bound by the target user identifier based on the certificate identifier of the target financial certificate; and the first supplementing processing module is used for supplementing based on the certificate proving information of the target financial certificate under the condition of finding.
In another aspect, the present application provides a method of processing financial instruments. The method comprises the following steps: displaying a financial certificate storage inlet on a 5G message interface of a financial platform; responding to a triggering operation aiming at the financial document storage entrance, and displaying an information acquisition area; acquiring the evidence proving information of the target financial evidence acquired by the information acquisition area, and sending a financial evidence storage message to a server through the 5G message interface, wherein the financial evidence storage message carries the evidence proving information of the target financial evidence and a target user identifier, the financial evidence storage message is used for indicating the server to bind the evidence proving information of the target financial evidence with the target user identifier, and the evidence proving information bound by the target user identifier is used for carrying out the subsidy processing.
On the other hand, the application also provides a financial certificate processing device. The device comprises: the financial document storage entrance display module is used for displaying the financial document storage entrance on a 5G message interface of the financial platform; the information acquisition module is used for responding to the triggering operation aiming at the financial document storage entrance and displaying an information acquisition area; the second subsidy processing module is used for acquiring the evidence proving information of the target financial evidence acquired by the information acquisition area, sending a financial evidence storage message to the server through the 5G message interface, wherein the financial evidence storage message carries the evidence proving information of the target financial evidence and a target user identifier, and the financial evidence storage message is used for instructing the server to bind the evidence proving information of the target financial evidence with the target user identifier, and the evidence proving information bound by the target user identifier is used for performing subsidy processing.
In a third aspect, the present application also provides a computer device. The computer device comprises a memory storing a computer program and a processor implementing the steps of the financial document processing method described above when the processor executes the computer program.
In a fourth aspect, the present application also provides a computer-readable storage medium. The computer readable storage medium has stored thereon a computer program which, when executed by a processor, implements the steps of the financial document processing method described above.
In a fifth aspect, the present application also provides a computer program product. The computer program product comprises a computer program which, when executed by a processor, implements the steps of the financial document processing method described above.
The financial document processing method, the financial document processing device, the computer equipment, the storage medium and the computer program product receive financial document supplementing information sent through a 5G information interface of a financial platform; the financial certificate patch message carries a target user identifier and a certificate identifier of the target financial certificate; determining credential attestation information bound by a target user identifier; the credential proof information bound by the target user identification is uploaded through a 5G message interface; based on the certificate identification of the target financial certificate, searching the certificate identification information of the target financial certificate from the certificate identification information bound by the target user identification; and under the condition of finding, determining that the repairing condition is met and performing repairing treatment. The corresponding picture is directly searched through the financial document identifier uploaded by the user, the compensation can be directly carried out according with the compensation conditions, the user does not need to provide other certificates, the necessary steps are reduced, and the financial document loss reporting and compensation flow is simplified.
Drawings
FIG. 1 is an application environment diagram of a financial instrument processing method in one embodiment;
FIG. 2 is a flow chart of a method of processing financial documents according to an embodiment;
FIG. 3 is a flow chart illustrating a financial instrument storing step in one embodiment;
FIG. 4 is a flowchart of a method for processing financial documents according to another embodiment;
FIG. 5 is a timing diagram of a method of financial instrument processing in one embodiment;
FIG. 6 is a block diagram of a financial instrument processing device in one embodiment;
FIG. 7 is a block diagram of a method of processing financial instruments according to another embodiment;
FIG. 8 is an internal block diagram of a computer device in one embodiment;
fig. 9 is an internal structural view of a computer device in another embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail with reference to the accompanying drawings and examples. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the present application.
The financial document processing method provided by the embodiment of the application can be applied to an application environment shown in fig. 1. Wherein the terminal 102 communicates with the server 104 via a network. The data storage system may store data that the server 104 needs to process. The data storage system may be integrated on the server 104 or may be located on a cloud or other network server. Server 104 is a background server of the financial platform.
Specifically, the terminal 102 displays a 5G message interface of the financial platform, and in response to the identity authentication operation of the target user triggered on the 5G message interface, the identity authentication of the user can be performed through at least one of face recognition, account and password input, fingerprint recognition, and the like, and the identity authentication is passed, i.e. the target user identifier is obtained. The terminal 102 displays a 5G message interface of the financial platform, obtains the target user identifier and the financial credential identifier in response to the financial credential renewal operation triggered at the 5G message interface, generates a financial credential renewal message carrying the target user identifier and the credential identifier of the target financial credential, and sends the financial credential renewal message to the server 104. Financial instrument subsidizing operations include, but are not limited to, clicking, sliding, or double clicking operations. The 5G message interface may display a financial document patch portal, and the financial document patch operation may be an operation for the financial document patch portal. The 5G message interface may also display a credential proof information interface of the uploaded financial credential, which may be, but is not limited to, an information collection area and an information selection area, wherein the information collection area is triggered by credential proof information of the financial credential uploaded by the user, and the information selection area is triggered by the user selecting among the bound financial credential proof information. After receiving the financial credential renewal message, the server 104 determines credential attestation information bound to the target user identifier, where the credential attestation information bound to the target user identifier is uploaded through the 5G message interface. Based on the voucher identification of the target financial voucher, the server 104 searches the voucher identification information of the target financial voucher from the voucher identification information bound by the target user identification, and determines to meet the subsidy condition and performs the subsidy processing under the condition of searching.
The terminal 102 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, internet of things devices, and portable wearable devices, where the internet of things devices may be smart speakers, smart televisions, smart air conditioners, smart vehicle devices, and the like. The portable wearable device may be a smart watch, smart bracelet, headset, or the like. The server 104 may be implemented as a stand-alone server or as a server cluster of multiple servers.
In one embodiment, as shown in fig. 2, a financial document processing method is provided, which is illustrated by using the method applied to the server 104 in fig. 1 as an example, and includes the following steps:
step 202, receiving a financial document supplementing message triggered by a 5G message interface of a financial platform; the financial document patch message carries the target user identification and the document identification of the target financial document.
Wherein the financial platform is an online service platform used by financial institutions. Financial institutions include, but are not limited to, banks, securities companies, financial companies, and the like. Financial instruments include, but are not limited to, bank cards, bankbooks, and the like. The voucher identification is an identification of a financial voucher, for example, if the financial voucher is a bank card, the voucher identification of the financial voucher is a bank card number, and if the financial voucher is a deposit book, the voucher identification of the financial voucher is a deposit book number.
The 5G message interface is used for sending and receiving 5G messages, wherein a financial credential subsidy inlet can be displayed, and a credential proof information interface for uploading financial credentials can be displayed, and the credential proof information interface for uploading the financial credentials can be, but is not limited to, an information acquisition area and an information selection area. The 5G message is the upgrade of the short message service, is a basic telecommunication service of an operator, realizes the upgrade of service experience based on the IP technology, supports more media formats and has more expression forms. The financial document subsidy message is a request sent by the user at the terminal to the financial platform to subsidize the financial document. The financial instrument subsidy message belongs to the 5G message.
The target user identification is an identification of the target user including, but not limited to, at least one of an identification card number or a cell phone number of the target user, etc. The target user is a user who completes identity authentication through a 5G message interface in the terminal.
Specifically, the terminal displays a 5G message interface of the financial platform, displays a credential identification selection interface in the 5G message interface, displays the credential identification of at least one financial credential of the target user in the credential identification selection interface, and responds to the selection operation for any one of the credential identifications, and sends a financial credential supplementing message carrying the target user identification and the selected credential identification to the server. The target financial instrument is the financial instrument represented by the selected instrument identifier.
In some embodiments, the terminal presents a 5G message interface of the financial platform, presents a credential identity input interface in the 5G message interface, receives the credential identity entered into the credential identity input interface, and sends a financial credential countering message carrying the target user identity and the entered credential identity to the server. The target financial instrument refers to the financial instrument represented by the input instrument identification.
In some embodiments, the terminal displays a 5G message interface of the financial platform, and in response to triggering an identity authentication operation at the 5G message interface, displays an identity authentication information acquisition interface, acquires identity authentication information of the target user through the identity authentication information acquisition interface, and sends an identity authentication message carrying the identity authentication information to the server, where the identity authentication message belongs to the 5G message. The identity authentication information includes, but is not limited to, at least one of a captured face image, an entered account and password, a captured fingerprint, and the like. The server responds to the identity authentication message, searches the user identifier corresponding to the identity authentication information from the user identifier set based on the identity authentication information in the identity authentication message, determines that the identity authentication passes under the condition of searching, and obtains the searched user identifier to obtain the target user identifier.
In some embodiments, after the identity authentication is passed, the terminal displays a 5G message interface of the financial platform, obtains the target user identifier and the financial credential identifier in response to a financial credential renewal operation triggered at the 5G message interface, generates a financial credential renewal message carrying the target user identifier and the credential identifier of the target financial credential, and sends the financial credential renewal message to the server. Financial instrument subsidizing operations include, but are not limited to, clicking, sliding, or double clicking operations. The 5G message interface may display a financial document patch portal, and the financial document patch operation may be an operation for the financial document patch portal.
Step 204, determining the credential attestation information bound by the target user identification; the credential proof information bound by the target user identification is uploaded through the 5G message interface.
The credential information may be at least one of text, picture, video, and the like. For example, the credential information may be text information in the financial document, the credential information may also be text obtained by identifying text in the financial document, or the credential information may be a picture of image capturing of the financial document, the credential information may be video of video capturing of the financial document, or the like. Taking a bank card as an example, the credential proof information may be at least one text information of a bank card number, identity information of a cardholder, etc., and the credential proof information may also be a picture for image acquisition of a picture of the bank card, or may be a video for video acquisition of the bank card.
The target user identification may bind at least one credential attestation information. The server may store credential attestation information bound by a plurality of different users, respectively. The plurality means at least two.
Specifically, after receiving the financial document supplementing message, the server acquires the target user identifier from the financial document supplementing message, finds the target user identifier from the stored user identifiers, and determines the document proof information of the target financial document from the stored document proof information bound by the target user.
In some embodiments, the terminal displays a 5G message interface of the financial platform, the 5G message interface displays a credential proof information interface for uploading financial credentials, the credential proof information interface for uploading financial credentials is two, one is to display an information acquisition area to the user, receive credential proof information of the financial credentials input by the user, the credential proof information includes but is not limited to a bank card number, a stock number, and the like; the other is to display an information selection area to the user, wherein the area displays the credential proof information of all the financial credentials bound by the user, and the credential proof information of the target financial credentials is obtained in response to the selection of the user on the interface.
Step 206, based on the certificate identification of the target financial certificate, searching the certificate identification information of the target financial certificate from the certificate identification information bound by the target user identification.
Specifically, the server searches the certificate certification information of the target financial certificate in the certificate certification information corresponding to all the financial certificates uploaded by the user.
In some embodiments, the server searches for the credential proof information of the target financial credential in the credential proof information corresponding to all the financial credentials uploaded by the user based on the credential identification of the financial credential selected or input by the user.
And step 208, performing the supplementing processing based on the certificate certification information of the target financial certificate under the condition of finding.
The subsidizing processing refers to subsidizing the target financial certificate.
Specifically, the server determines that the target user meets the subsidy condition and performs the subsidy processing for the target user under the condition that the voucher identification of the target financial voucher is found. The subsidy condition includes that the terminal has stored credential proof information in the server, i.e., the credential proof information of the target user identification bound to the target financial credential.
In some embodiments, the server may perform loss reporting on the target financial instrument prior to the subsidizing process for the target user to prevent the lost target financial instrument from being used maliciously. Namely, under the condition of finding, the server determines that the request meets the repair condition, and performs loss reporting and repair processing.
In some embodiments, the server performs the complement check by querying operations such as user transaction running water, taking a bank card as an example, and the complement check content includes card opening running water, transaction running water, and the like; taking a bank receipt as an example, the supplementing verification content comprises receipt running water and the like.
In the financial document processing method, the server receives the financial document supplementing message sent through the 5G message interface of the financial platform, determines the document proof information bound by the target user identifier, searches the document proof information of the target financial document from the document proof information bound by the target user identifier based on the document identifier of the target financial document, and performs supplementing processing based on the document proof information of the target financial document under the condition of searching. Therefore, the method and the device have the advantages that the supplementing condition is met through the pre-bound evidence proving information, compared with the traditional technology, the user needs to perform a process similar to the new registered financial evidence process, the efficiency of judging whether the supplementing condition is met or not is improved, the supplementing process is performed based on the evidence proving information of the target financial evidence, the supplementing process efficiency is improved, and accordingly the supplementing efficiency of the financial evidence is improved.
In one embodiment, as shown in fig. 3, the financial document processing method further includes:
step 302, receiving a financial document storage message sent through a 5G message interface of a financial platform; the financial credential storage message carries the target user identification and the credential proof information of the target financial credential.
The financial credential storage message is a financial credential storage request sent by the user to the financial platform, and includes relevant information of the target user and credential proof information of the target financial credential.
Specifically, the server receives a financial credential storage message sent by a user at a terminal through a 5G message interface of a financial platform, the financial credential storage message including information related to the user and credential attestation information of a target financial credential.
Step 304, in response to the financial credential storage message, binding the credential attestation information of the target financial credential with the target user identification.
Specifically, the server responds to the financial credential storage message, and binds the target user identification carried in the financial credential storage message with the credential proof information of the target financial credential.
In this embodiment, the credential proof information of the target financial credential can be bound with the target user identifier by receiving the financial credential storage message sent by the user, so that the user can call conveniently according to the bound credential proof information and the target user identifier, and the supplementing efficiency of the financial credential is improved.
In some embodiments, in response to the financial credential storage message, binding the credential attestation information of the target financial credential with the target user identification includes: responding to the financial document storage message, and acquiring the document information of the target financial document from the document proof information of the target financial document; performing credential verification based on the credential information of the target financial credential to obtain a verification result corresponding to the credential verification information of the target financial credential; and binding the credential proof information with the target user identifier under the condition that the verification result is that the verification is passed.
The certificate verification is to inquire records such as flow and the like when the user transacts the business according to the certificate information of the financial certificate uploaded by the user. Taking a bank card as an example, checking contents comprise card opening running water, transaction running water and the like; taking a bank deposit form as an example, the verification content comprises deposit form running water and the like.
Specifically, the server responds to the financial document storage message, acquires corresponding document information from document proof information of the target financial document uploaded by the user, performs document verification on the document information, inquires records such as running water when the user transacts the service, obtains a verification result of the corresponding target financial document after the verification is completed, and binds the document proof information of the target financial document with the target user identifier when the verification result is displayed as passing.
In some embodiments, if the credential verification is not passed, the user is prompted to be out of compliance with the replenishment condition, and the financial credential needs to be re-uploaded.
In this embodiment, by checking the credential information of the target financial credential, the credential proof information of the target financial credential can be bound with the target user identifier under the condition that the check is passed, so that the security of the financial credential loss reporting and repairing is improved.
In some embodiments, in the case of the finding, determining that the subsidy condition is met and performing the subsidy process includes: under the condition of finding, acquiring a verification result corresponding to the certificate proving information of the target financial certificate; and under the condition that the verification result is that the verification is passed, determining that the repair condition is met and performing repair processing.
Specifically, after the server finds the certificate proving information of the target financial certificate, the server obtains a verification result corresponding to the certificate proving information of the target financial certificate, and under the condition that verification is passed, the financial certificate complement message sent by the target user accords with the complement condition, so as to carry out complement processing for the user.
In some embodiments, in the event that the verification fails, a 5G message is returned to the target user that does not meet the subsidy condition.
In this embodiment, by acquiring the verification result corresponding to the credential proof information of the target financial credential, the method determines that the target financial credential meets the subsidy condition and performs the subsidy processing, thereby improving the security of the financial credential loss subsidy.
In one embodiment, a financial document processing method is provided, and is applied to the terminal 102 in fig. 1, as shown in fig. 4, and includes the following steps:
step 402, a financial document storage portal is displayed on a 5G message interface of a financial platform.
Wherein the financial instrument includes, but is not limited to, a bank card, a bank deposit slip, etc. The financial document stores the entry interface that the user can upload the financial document and stores the message in the terminal, demonstrate in 5G message interface, the financial document is mended and operated the operation to mend the entry to this financial document.
Specifically, the terminal displays a financial document storage entry to the user, so that the user can upload the financial document storage message conveniently.
Step 404, in response to a triggering operation for the financial document storage portal, the information collection area is presented.
The triggering operation is that the user triggers the financial document storage entrance on the 5G message interface of the terminal. The information collection area is an area in which the user inputs credential proof information of the financial credential.
Specifically, after receiving a financial certificate storage entry operation triggered by a user, the terminal displays a call-out information acquisition area to the user.
In some embodiments, the terminal presents a 5G message interface of the financial platform, presents a credential identification selection interface in the 5G message interface, and presents a credential identification of at least one financial credential of the target user in the credential identification selection interface, the terminal sending a financial credential servicing message to the server carrying the target user identification and the selected credential identification in response to a selection operation for either credential identification. The target financial instrument is the financial instrument represented by the selected instrument identifier.
In some embodiments, the terminal presents a 5G message interface of the financial platform, presents a credential identity input interface in the 5G message interface, receives the credential identity entered into the credential identity input interface, and sends a financial credential countering message carrying the target user identity and the entered credential identity to the server. The target financial instrument refers to the financial instrument represented by the input instrument identification.
Step 406, obtaining the credential proof information of the target financial credential collected by the information collection area, and sending a credential storage message carrying the credential proof information of the target financial credential and the target user identifier to the server by the 5G message interface, where the financial credential storage message is used to instruct the server to bind the credential proof information of the target financial credential with the target user identifier, and the credential proof information bound by the target user identifier is used to make up.
The credential information may be at least one of text, picture, video, and the like. For example, the credential information may be text information in the financial document, the credential information may also be text obtained by identifying text in the financial document, or the credential information may be a picture of image capturing of the financial document, the credential information may be video of video capturing of the financial document, or the like. Taking a bank card as an example, the credential proof information may be at least one text information of a bank card number, identity information of a cardholder, etc., and the credential proof information may also be a picture for image acquisition of a picture of the bank card, or may be a video for video acquisition of the bank card.
Specifically, after receiving the financial document storage message, the terminal sends the financial document storage message to the server, and the server binds the document proof information of the target financial document carried by the financial document storage message and the target user identifier.
In this embodiment, the terminal displays a financial document storage portal on a 5G message interface of the financial platform; responding to a triggering operation aiming at a financial document storage entrance, and displaying an information acquisition area; and acquiring the credential proof information acquired through the information acquisition area, and sending a financial credential storage message of the credential proof information to the server through the 5G message interface. The terminal receives the financial certificate storage message sent by the user and then sends the financial certificate storage message to the server, so that the step that the user uploads other proof materials is replaced, the loss reporting and repairing process is simplified, and the repairing efficiency of the financial certificate is improved.
In some embodiments, the server includes an identity authentication module, a credential checking storage module and a loss reporting module, as shown in fig. 5, where the user terminal sends the user authentication information to the identity authentication module through a 5G rich media message. And the identity authentication module performs user identity authentication on the user information uploaded by the user, and feeds back an authentication result to the user, if the user does not pass the authentication, prompts the user to re-authenticate, and repeats the steps. And the terminal of the user sends the financial credential information to the credential verification storage module through the 5G rich media message. The credential verification storage module analyzes credential information uploaded by the user, inquires transaction flow of the user through the analyzed information, verifies and feeds a verification result back to the user. If the user does not pass, prompting the user to upload again, and repeating the steps. After the user certificate is lost, the following steps are started: and the terminal of the user sends a loss report and repair instruction to the loss report and repair module through the 5G rich media message. The loss reporting and supplementing module checks whether the financial certificate is prestored by the user or not, if so, the user is considered to hold the certificate, and if not, the user is prompted to do not meet the condition.
It should be understood that, although the steps in the flowcharts related to the above embodiments are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.
Based on the same inventive concept, the embodiment of the application also provides a financial document processing device for realizing the above-mentioned related financial document processing method. The implementation of the solution provided by the device is similar to that described in the above method, so the specific limitation of one or more embodiments of the financial document processing device provided below may refer to the limitation of the financial document processing method hereinabove, and will not be repeated herein.
In one embodiment, as shown in fig. 6, there is provided a financial instrument processing apparatus including: a financial credential subsidizing message receiving module 602, a credential attestation information determining module 604, a credential attestation information lookup module 606, and a first subsidizing processing module 608, wherein:
the financial document complement message receiving module 602 is configured to receive a financial document complement message triggered through a 5G message interface of the financial platform; the financial certificate patch message carries a target user identifier and a certificate identifier of the target financial certificate;
a credential information determination module 604 configured to determine credential information bound by the target user identification; the credential proof information bound by the target user identification is uploaded through a 5G message interface;
the credential proof information searching module 606 is configured to search the credential proof information of the target financial credential from the credential proof information bound to the target user identifier based on the credential identifier of the target financial credential;
the first subsidizing processing module 608 is configured to perform subsidizing processing based on the certificate certification information of the target financial certificate if the target financial certificate is found.
In some embodiments, the apparatus further comprises a financial credential binding module to receive a financial credential storage message sent through the 5G message interface of the financial platform; the financial credential storage message carries a target user identification and credential proof information of a target financial credential; in response to the financial credential storage message, credential attestation information of the target financial credential is bound to the target user identification.
In some embodiments, the financial instrument binding module is further configured to obtain instrument information of the target financial instrument from instrument proof information of the target financial instrument in response to the financial instrument storage message; and performing credential verification based on the credential information of the target financial credential to obtain a verification result corresponding to the credential proof information of the target financial credential.
In some embodiments, the first repair processing module is further configured to obtain a verification result corresponding to the credential proof information of the target financial credential when the first repair processing module is found; and under the condition that the verification result is that the verification is passed, determining that the repair condition is met and performing repair processing.
In another embodiment, as shown in fig. 7, there is provided a financial document processing apparatus including: a financial instrument storage portal presentation module 702, an information acquisition module 704, and a second subsidizing processing module 706, wherein:
the financial document storage entry presentation module 702 is configured to present a financial document storage entry on a 5G message interface of a financial platform;
an information collection module 704 for displaying an information collection area in response to a trigger operation for a financial document storage portal;
the second subsidy processing module 706 is configured to obtain credential proof information of the target financial credential acquired through the information acquisition area, and send a financial credential storage message to the server through the 5G message interface, where the financial credential storage message carries the credential proof information of the target financial credential and the target user identifier, and the financial credential storage message is used to instruct the server to bind the credential proof information of the target financial credential with the target user identifier, and the credential proof information bound by the target user identifier is used to perform the subsidy processing.
The various modules in the financial instrument described above may be implemented in whole or in part in software, hardware, or a combination thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.
In one embodiment, a computer device is provided, which may be a server, and the internal structure of which may be as shown in fig. 8. The computer device includes a processor, a memory, an Input/Output interface (I/O) and a communication interface. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface is connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is for storing financial instrument processing data. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for communicating with an external terminal through a network connection. The computer program when executed by a processor implements a financial instrument processing method.
In one embodiment, a computer device is provided, which may be a terminal, and the internal structure thereof may be as shown in fig. 9. The computer device includes a processor, a memory, an input/output interface, a communication interface, a display unit, and an input means. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface, the display unit and the input device are connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless mode can be realized through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. The computer program when executed by a processor implements a financial instrument processing method. The display unit of the computer device is used for forming a visual picture, and can be a display screen, a projection device or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, can also be a key, a track ball or a touch pad arranged on the shell of the computer equipment, and can also be an external keyboard, a touch pad or a mouse and the like.
It will be appreciated by those skilled in the art that the structures shown in fig. 8 and 9 are block diagrams of only some of the structures associated with the present application and are not intended to limit the computer device to which the present application may be applied, and that a particular computer device may include more or fewer components than shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, a computer device is provided, comprising a memory and a processor, the memory having stored therein a computer program, the processor implementing the steps of the method embodiments described above when the computer program is executed.
In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored which, when executed by a processor, implements the steps of the method embodiments described above.
In an embodiment, a computer program product is provided, comprising a computer program which, when executed by a processor, implements the steps of the method embodiments described above.
It should be noted that, the user information (including, but not limited to, user equipment information, user personal information, etc.) and the data (including, but not limited to, data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use and processing of the related data are required to comply with the related laws and regulations and standards of the related countries and regions.
Those skilled in the art will appreciate that a computer program implementing all or part of the above-described methods of the embodiments may be implemented by means of hardware associated with instructions of the computer program, and may be stored on a non-volatile computer readable storage medium, where the computer program, when executed, may include the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the various embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high density embedded nonvolatile Memory, resistive random access Memory (ReRAM), magnetic random access Memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric Memory (Ferroelectric Random Access Memory, FRAM), phase change Memory (Phase Change Memory, PCM), graphene Memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in the form of a variety of forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), and the like. The databases referred to in the various embodiments provided herein may include at least one of relational databases and non-relational databases. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic units, quantum computing-based data processing logic units, etc., without being limited thereto.
The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.
The foregoing examples represent only a few embodiments of the present application, which are described in more detail and are not thereby to be construed as limiting the scope of the present application. It should be noted that it would be apparent to those skilled in the art that various modifications and improvements could be made without departing from the spirit of the present application, which would be within the scope of the present application. Accordingly, the scope of protection of the present application shall be subject to the appended claims.

Claims (10)

1. A method of financial instrument processing, the method comprising:
receiving a financial certificate supplementing message triggered by a 5G message interface of a financial platform; the financial document supplementing message carries a target user identifier and a document identifier of a target financial document;
determining the credential attestation information bound by the target user identifier; the certificate proving information bound by the target user identifier is uploaded through a 5G message interface;
Based on the certificate identification of the target financial certificate, searching the certificate identification information of the target financial certificate from the certificate identification information bound by the target user identification;
and under the condition of finding, performing the supplementing processing based on the certificate proving information of the target financial certificate.
2. The method according to claim 1, wherein the method further comprises:
receiving a financial credential storage message sent through a 5G message interface of a financial platform; the financial document storage message carries the target user identification and the document proof information of the target financial document;
and binding the certificate certification information of the target financial certificate with the target user identification in response to the financial certificate storage message.
3. The method of claim 2, wherein the binding credential attestation information of the target financial credential with the target user identification in response to the financial credential storage message comprises:
responding to the financial document storage message, and acquiring the document information of the target financial document from the document evidence information of the target financial document;
performing credential verification based on the credential information of the target financial credential to obtain a verification result corresponding to the credential verification information of the target financial credential;
And binding the credential proof information with the target user identifier under the condition that the verification result is that verification is passed.
4. A method according to claim 3, wherein, in the case of the finding, determining that the subsidy condition is met and performing the subsidy process comprises:
under the condition of finding, acquiring a verification result corresponding to the certificate proving information of the target financial certificate;
and under the condition that the verification result is that the verification is passed, determining that the repair condition is met and performing repair processing.
5. A method of financial instrument processing, the method comprising:
displaying a financial certificate storage inlet on a 5G message interface of a financial platform;
responding to a triggering operation aiming at the financial document storage entrance, and displaying an information acquisition area;
acquiring the evidence proving information of the target financial evidence acquired by the information acquisition area, and sending a financial evidence storage message to a server through the 5G message interface, wherein the financial evidence storage message carries the evidence proving information of the target financial evidence and a target user identifier, the financial evidence storage message is used for indicating the server to bind the evidence proving information of the target financial evidence with the target user identifier, and the evidence proving information bound by the target user identifier is used for carrying out the subsidy processing.
6. A financial instrument processing apparatus, the apparatus comprising:
the financial certificate supplementing message receiving module is used for receiving a financial certificate supplementing message triggered by a 5G message interface of the financial platform; the financial document supplementing message carries a target user identifier and a document identifier of a target financial document;
the credential proof information determining module is used for determining the credential proof information bound by the target user identifier; the certificate proving information bound by the target user identifier is uploaded through a 5G message interface;
the certificate verification information searching module is used for searching the certificate verification information of the target financial certificate from the certificate verification information bound by the target user identifier based on the certificate identifier of the target financial certificate;
and the first supplementing processing module is used for supplementing based on the certificate proving information of the target financial certificate under the condition of finding.
7. A financial instrument processing apparatus, the apparatus comprising:
the financial document storage entrance display module is used for displaying the financial document storage entrance on a 5G message interface of the financial platform;
the information acquisition module is used for responding to the triggering operation aiming at the financial document storage entrance and displaying an information acquisition area;
The second subsidy processing module is used for acquiring the evidence proving information of the target financial evidence acquired by the information acquisition area, sending a financial evidence storage message to the server through the 5G message interface, wherein the financial evidence storage message carries the evidence proving information of the target financial evidence and a target user identifier, and the financial evidence storage message is used for instructing the server to bind the evidence proving information of the target financial evidence with the target user identifier, and the evidence proving information bound by the target user identifier is used for performing subsidy processing.
8. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any one of claims 1 to 5 when the computer program is executed.
9. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 5.
10. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, implements the steps of the method according to any one of claims 1 to 5.
CN202311251458.XA 2023-09-26 2023-09-26 Financial document processing method, apparatus, computer device and storage medium Pending CN117495519A (en)

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