TW202405714A - Payment method, apparatus and system based on 5G messaging application, and device and medium - Google Patents

Abstract

The present application belongs to the field of data processing. Disclosed are a payment method, apparatus and system based on a 5G messaging application, and a device and a medium. The method comprises: in response to a first input of a user for a 5G messaging application, the 5G messaging application sending an order payment request to a 5G messaging payment platform by means of a 5G messaging application background system, wherein the order payment request comprises a user identifier, and the user identifier is used for representing a mobile phone number of the user; the 5G messaging application receiving, by means of the 5G messaging application background system, a payment object list, which is fed back by the 5G messaging payment platform, wherein the payment object list comprises a payment object that is bound with the user identifier; and in response to a second input of the user for the payment object list, the 5G messaging application sending a payment request to the 5G messaging payment platform, wherein the payment request comprises payment information, so that the 5G messaging payment platform interacts with a payment system according to the payment information, so as to complete payment.

Description

Payment methods, devices, equipment, systems and media based on 5G messaging applications

The invention belongs to the field of data processing, and in particular relates to a payment method, device, equipment, system and medium based on 5G message application.

5th Generation Mobile Communication Technology (5G) messaging is an upgraded technology of traditional SMS that can provide messaging services with multimedia and interactive capabilities. 5G messaging application is an application that implements 5G messaging.

At this stage, electronic payment has become very common. In order to meet users' needs for electronic payment, a payment method based on 5G messaging applications is urgently needed.

Embodiments of the present invention provide a payment method, device, equipment, system and medium based on 5G message applications, which can realize payment based on 5G message applications.

In a first aspect, embodiments of the present invention provide a payment method based on a 5G messaging application, applied to a terminal device, and the terminal device has a 5G messaging application. The method includes: in response to the user's first input to the 5G messaging application, the 5G messaging application passes The 5G message application background system sends a payment order request to the 5G message payment platform. The payment order request includes a user ID. The user ID is used to represent the user's mobile phone number; the 5G message application receives the payment returned by the 5G message payment platform through the 5G message application background system. Object list. The payment object list includes payment objects bound to the user ID. The 5G message payment platform stores the binding relationship between the user ID and the payment object. In response to the user's second input of the payment object list, the 5G messaging application sends a message to the 5G message payment platform. The message payment platform sends a payment request, and the payment request includes payment information, so that the 5G message payment platform interacts with the payment system based on the payment information to complete the payment.

In the second aspect, embodiments of the present invention provide a payment method based on 5G messaging applications. The method is applied to the 5G message payment platform. The 5G message payment platform stores the binding relationship between the user ID and the payment object. The method includes: receiving a payment order request sent by the 5G message application of the terminal device through the 5G message application background system, and the payment order request Generated by the terminal device in response to the user's first input to the 5G messaging application, including a user identification, which is used to represent the user's mobile phone number; the payment object list is fed back to the 5G messaging application through the 5G messaging application background system, and the payment object list includes and A payment object bound to the user ID; receiving a payment request sent by the terminal device in response to the user's second input of the payment object list, where the payment request includes payment information; interacting with the payment system according to the payment information to complete the payment.

In a third aspect, embodiments of the present invention provide a terminal device. The terminal device has a 5G messaging application. The terminal device includes: a sending module configured to respond to the user's first input to the 5G messaging application and be called by the 5G messaging application through the 5G messaging application. The application background system sends a payment order request to the 5G message payment platform. The payment order request includes a user ID, which is used to represent the user's mobile phone number; the receiving module is used to be called by the 5G messaging application to receive 5G messages through the 5G messaging application background system. A list of payment objects returned by the payment platform. The list of payment objects includes payment objects bound to the user ID. The 5G message payment platform stores the binding relationship between the user ID and the payment object; the sending module is also used to respond to the user's request for payment objects. The second input of the list is called by the 5G messaging application to send a payment request to the 5G messaging payment platform. The payment request includes payment information, so that the 5G messaging payment platform interacts with the payment system based on the payment information to complete the payment.

In the fourth aspect, embodiments of the present invention provide a payment device based on 5G message application, which is applied to the 5G message payment platform. The 5G message payment platform stores the binding relationship between the user identification and the payment object. The device includes: a receiving module, for Receive a payment order request sent by the 5G messaging application of the terminal device through the 5G messaging application background system. The payment order request is generated by the terminal device in response to the user's first input to the 5G messaging application, and includes a user identification. The user identification is used to characterize the user's mobile phone. number; the sending module is used to feed back the payment object list to the 5G messaging application through the 5G messaging application backend system. The payment object list includes payment objects bound to the user ID; the receiving module is also used to receive the terminal device's response to the user's response. The second input of the payment object list is the payment request sent. The payment request includes payment information; the sending module is also used to root Interact with the payment system based on payment information to complete the payment.

In a fifth aspect, embodiments of the present invention provide a terminal device, including: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the payment method based on the 5G message application of the first aspect is implemented.

In a sixth aspect, embodiments of the present invention provide an electronic device, including: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the payment method based on the 5G message application of the second aspect is implemented.

In a seventh aspect, embodiments of the present invention provide a payment system based on a 5G message application, including: a terminal device for executing the payment method based on the 5G message application of the first aspect; and a terminal device for executing the payment method based on the 5G message application of the second aspect. 5G message payment platform for payment methods.

In an eighth aspect, embodiments of the present invention provide a computer-readable storage medium. Computer program instructions are stored on the computer-readable storage medium. When the computer program instructions are executed by a processor, the first aspect of the payment method based on the 5G message application or the third aspect is implemented. Two aspects of payment methods based on 5G messaging applications.

Embodiments of the present invention provide a payment method, device, equipment, system and medium based on 5G message application. The terminal device responds to the first input for the 5G message application and triggers the terminal device to pay the 5G message through the 5G message application background system. The platform sends a payment order request, and the 5G message payment platform responds to the payment order request and feeds back to the 5G message application in the terminal device a list of payment objects corresponding to the user ID that can guarantee the user's mobile phone number through the 5G message application backend system. The terminal device receives the user's second input of the payment object list, obtains the payment information, and sends a payment request to the 5G message payment platform, so that the 5G message payment platform interacts with the payment system to complete the payment based on the payment information, and establishes a payment interface for the 5G message application. , realizing payment based on 5G messaging applications.

1000: Electronic equipment

11,700,900:Terminal equipment

111:5G application news

112: Payment application

12:5G messaging application background system

13:5G message payment platform

14:Payment system

701,802:Sending module

702,801:Receive module

800: Payment device

901,1001: memory

902,1002: Processor

903,1003: Communication interface

904,1004:Bus

S201,S202,S203,S204,S205,S206,S207,S208,S301,S302,S303,S304,S305,S306,S307,S308,S309,S310,S311,S401,S402,S403,S404,S405,S406 , S407, S408, S409, S410, S411, S501, S502, S503, S504, S505, S506, S507, S508, S509, S510, S511, S512, S513, S514: Steps

In order to explain the technical solutions of the embodiments of the present invention more clearly, the drawings required to be used in the embodiments of the present invention will be briefly introduced below. For those of ordinary skill in the art, without exerting creative efforts, they can also Other schemas can be derived from these schemas.

Figure 1 is a schematic diagram of an example of an application scenario of a payment method based on 5G messaging applications provided by an embodiment of the present invention;

Figure 2 is a flow chart of a payment method based on 5G messaging applications provided by an embodiment of the first aspect of the present invention;

Figure 3 is a flow chart of a payment method based on 5G messaging applications provided by another embodiment of the first aspect of the present invention;

Figure 4 is a flow chart of a payment method based on 5G messaging applications provided by an embodiment of the second aspect of the present invention;

Figure 5 is a flow chart of a payment method based on 5G messaging applications provided by another embodiment of the second aspect of the present invention;

Figure 6 is a flow chart of an example of a payment process based on 5G messaging applications provided by an embodiment of the present invention;

Figure 7 is a flow chart of an example of a card binding process based on 5G messaging applications provided by an embodiment of the present invention;

Figure 8 is a schematic structural diagram of a terminal device provided by an embodiment of the third aspect of the present invention;

Figure 9 is a schematic structural diagram of a payment device based on 5G messaging applications provided by an embodiment of the fourth aspect of the present invention;

Figure 10 is a schematic structural diagram of a terminal device provided by an embodiment of the fifth aspect of the present invention;

FIG. 11 is a schematic structural diagram of an electronic device provided by an embodiment of the sixth aspect of the present invention.

Features and exemplary embodiments of various aspects of the present invention will be described in detail below. In order to make the purpose, technical solutions and advantages of the present invention clearer, the present invention will be described in further detail below in conjunction with the drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the invention, rather than to limit the invention. It will be apparent to one skilled in the art that the present invention may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the invention by illustrating examples of the invention.

5th Generation Mobile Communication Technology Technology, 5G) messaging is an upgraded technology of traditional SMS, which can provide messaging services with multimedia and interactive capabilities. 5G messaging application is an application that implements 5G messaging. With the development of payment technology, the application of electronic payment is very common. With the promotion and application of 5G messaging applications, in order to meet users' needs for electronic payments, a payment method based on 5G messaging applications is urgently needed.

The present invention provides a payment method, device, equipment, system and medium based on 5G message application. The terminal device is installed with 5G message application. Through the interaction between the terminal device, 5G message application background system, 5G message payment platform and payment system, Implement payment based on 5G messaging applications.

Embodiments of the present invention provide a payment method based on 5G message applications, which is applied to payment scenarios within 5G message applications, which may involve terminal equipment, 5G message application background systems, 5G message payment platforms, payment systems, etc. FIG. 1 is a schematic diagram of an example of an application scenario of a payment method based on 5G messaging applications provided by an embodiment of the present invention. As shown in Figure 1, the terminal device 11 can communicate and interact with the 5G message application background system 12 and the 5G message payment platform 13 respectively. The 5G message application background system 12 can communicate and interact with the 5G message payment platform 13. The 5G message payment platform 13 can communicate with the 5G message payment platform 13. Payment system 14 communication interaction. In some examples, the terminal device 11 can also communicate and interact with the payment system 14 .

The terminal device 11 has a 5G messaging application 111. The 5G messaging application 111 can provide a 5G messaging service (5G messaging service). The 5G messaging service is a messaging service that can support rich media formats and has the characteristics of standardization, multimedia, and lightweight. The 5G messaging application 111 in the terminal device 11 has a mapping relationship with the Subscriber Identity Module (SIM) card in the terminal device. The mapping relationship can be specifically implemented as a corresponding relationship between the 5G messaging application 111 and the SIM card number, or, The corresponding relationship between the 5G messaging application 111 and the mobile phone number corresponding to the SIM card is not limited here. The 5G messaging application 111 has an in-application payment function. For example, the 5G messaging application can include payment functions such as daily payment and public payment to realize payment within the 5G messaging application 111. The entrance to the payment function can be in the 5G messaging application as a control item or In other ways, the user inputs the corresponding area of the interface of the 5G messaging application 111, which can trigger payment within the 5G messaging application 111. The 5G messaging application 111 of the terminal device 11 can communicate with the 5G messaging application background The system 12 communicates and interacts, and the payment application 112 of the terminal device 11 can communicate and interact with the payment system 14 . The terminal device 11 may specifically include a mobile phone, a tablet, a computer, a smart wearable device, etc., and is not limited here.

The 5G messaging application background system 12 is the background system of the 5G messaging application 111 and may include more than one electronic device. Electronic devices may include servers, gateways, routers and other devices. The type and quantity of electronic devices in the 5G messaging application backend system 12 are not limited here. In some examples, the 5G messaging application background system 12 can provide messaging service functions to users of the terminal device 11 through messaging conversations in the form of chat robots and/or human customer service. During the payment process, the 5G messaging application can interact with the 5G messaging payment platform 13 through the 5G messaging application backend system 12 .

The 5G message payment platform 13 is a platform system used to manage and process payments initiated by 5G message applications, and provides a unified payment interface for 5G message applications. The 5G message payment platform 13 may include more than one electronic device, and the electronic devices may include servers, gateways, routers and other equipment. The type and quantity of the electronic devices in the 5G message payment platform 13 are not limited here. During the payment process, the 5G message payment platform 13 can interact with the 5G message application in the terminal device 11 through the 5G message application backend system 12.

The payment system 14 is a system that manages the user's payment account and/or payment card, and can complete resource deductions and resource transfers required for payment. The payment system 14 may include more than one electronic device, and the electronic devices may include servers, gateways, routers and other devices. The type and quantity of the electronic devices in the payment system 14 are not limited here. The payment system 14 can obtain payment information and complete the payment through interaction with the 5G message payment platform 13.

The payment method, device, equipment system and medium based on 5G message application in the present invention will be described in sequence below.

A first aspect of the present invention provides a payment method based on 5G message application. The payment method based on 5G message application can be applied to a terminal device, that is, the payment method based on 5G message application can be executed by the terminal device. The terminal device has a 5G messaging application. For the specific content of the 5G messaging application, please refer to the relevant descriptions in the above embodiments and will not be described again here. Figure 2 shows the present invention The first aspect is a flow chart of a payment method based on 5G messaging applications provided by an embodiment. As shown in Figure 2, the payment method based on 5G messaging application may include steps S201 to S203.

In step S201, in response to the user's first input to the 5G messaging application, the 5G messaging application sends a payment order request to the 5G messaging payment platform through the 5G messaging application backend system.

The first input is used to trigger a payment order request. The first input may be a single press input, a long press input, a double press input or other gesture input for the control item that initiates the order request in the 5G messaging application, which is not limited here. The 5G messaging application of the terminal device sends a payment order request to the 5G messaging application background system, and the 5G messaging application background system then sends a payment order request to the 5G messaging payment platform.

The 5G messaging application has a mapping relationship with the SIM card in the terminal device. The payment order request includes a user ID. The user ID is used to characterize the user's mobile phone number. The user of the 5G messaging application can be determined through the mobile phone number. The user identification may include one or more of the user's SIM card number, mobile phone number, desensitized SIM card number, desensitized mobile phone number and other information, which is not limited here.

In step S202, the 5G messaging application receives a list of payment objects fed back by the 5G messaging payment platform through the 5G messaging application backend system.

The 5G message payment platform stores the binding relationship between user identification and payment objects. Based on the user identification, it can send a payment object list corresponding to the user identification to the 5G message application backend system. The 5G message application backend system then sends the payment object list to the terminal device. , so that the 5G messaging application obtains the payment object list.

The payment object list includes payment objects bound to the user ID. The payment object is the object from which resources need to be deducted for this payment. In some examples, the payment item includes a payment card and/or payment account number.

In step S203, in response to the user's second input of the payment object list, the 5G messaging application sends a payment request to the 5G messaging payment platform, so that the 5G messaging payment platform interacts with the payment system based on the payment information to complete the payment.

The second input is used to indicate the payment object selected by the user for payment in the payment object list, and trigger the 5G messaging application in the terminal device to send a payment request to the 5G messaging payment platform. The second input may be a single press input, a long press input, a double press input or other gesture input of the payment object selected by the user for payment in the payment object list, which is not limited here. Payment requests include payment information. Payment information includes information related to this payment. For example, payment information may include payment objects restricted by the user for payment, payment amount, payment matters, etc., which are not limited here. The payment object may be a desensitized payment object.

The 5G message payment platform responds to the payment request and can interact with the payment system based on the payment information to complete the payment. In some examples, the 5G message payment platform can send payment information to the payment system. The payment system can deduct the payment amount of resources from the payment object selected for payment based on the payment information, and transfer the payment amount of resources to the income object. The object may include the revenue card and/or revenue account number of the revenue party.

In some examples, you can choose whether to require user verification and authorization based on payment scenarios, payment information, etc. For example, in a scenario where the payment amount is less than or equal to the limit, user verification and authorization may not be performed; in a scenario where the payment amount is greater than the limit, user verification and authorization is required. When user verification and authorization are required, the payment request may also include verification authorization information. Verification authorization information may include verification codes, payment passwords, biometrics, etc., which are not limited here. Before the terminal device sends a payment request to the 5G messaging payment platform, the security verification function of the 5G messaging application can be called to apply for verification authorization from the user. For example, the terminal device can send prompt information through the 5G messaging application to prompt the user to enter verification authorization information. The terminal device can receive the verification authorization information input by the user, and generate a payment request based on the verification authorization information, or add the verification authorization information to the payment request. The 5G message payment platform can conduct user verification based on verification authorization information. If the user passes the verification, it can then interact with the payment system to complete the payment. The 5G message payment platform can also send verification authorization information to the payment system, and the payment system will conduct user verification based on the verification authorization information. If the user passes the verification, the payment will be completed.

In the embodiment of the present invention, the terminal device responds to the first input for 5G message application, triggering the terminal device to send a message to the 5G message payment platform through the 5G message application background system. Send a payment order request, and the 5G message payment platform responds to the payment order request and requests back to the 5G message application in the terminal device a list of payment objects corresponding to the user ID that can guarantee the user's mobile phone number through the 5G message application background system. The terminal device receives the user's second input of the payment object list, obtains the payment information, and sends a payment request to the 5G message payment platform, so that the 5G message payment platform interacts with the payment system to complete the payment based on the payment information, and establishes a payment interface for the 5G message application. , realizing payment based on 5G messaging applications.

In addition, in the payment method based on the 5G messaging application according to the embodiment of the present invention, the user can pay directly through the 5G messaging application. There is no need to click on a link during the payment process, and there is no need to jump to the H5 page to pay, which reduces Reduce payment time and improve payment efficiency. Moreover, the payment method based on the 5G message application in the embodiment of the present invention defines the payment interface of the 5G message application, which can unify the consistency of the payment process based on the 5G message application, improve the success rate of payment, and facilitate the management of the payment process. User operation is also easier.

In some embodiments, after the 5G message payment platform interacts with the payment system to complete the payment, the terminal device can also receive the payment result message sent by the payment system through the 5G message payment platform through the 5G message application. Payment result information is used to indicate whether the payment was successful. After receiving the payment result information, the terminal device can also send notification information to prompt the user whether the payment is successful, so that the user can know the payment result.

In some embodiments, in order to obtain the payment object list from the 5G message payment platform, the user ID and the corresponding payment card can be pre-bound to obtain the payment object list. Figure 3 is a flow chart of a payment method based on 5G messaging applications provided by another embodiment of the first aspect of the present invention. The difference between Figure 3 and Figure 2 is that the payment method based on the 5G messaging application shown in Figure 3 may also include steps S204 to S208.

In step S204, in response to the user's third input to the 5G messaging application, the 5G messaging application sends a payment object binding request to the 5G messaging payment platform through the 5G messaging application backend system.

The third input is used to trigger the payment object binding request. The first input may be a click input, a long press input, or a press input on the control item that initiates the payment object binding request in the 5G messaging application. Double-click input or other gesture input is not limited here. In some examples, the interface of the 5G messaging application may include a payment object binding control item, and the third input may be an input to the payment object binding space. The 5G messaging application sends a payment object binding request to the 5G messaging application backend system, and the 5G messaging application backend system then sends a payment object binding request to the 5G messaging payment platform. The payment object binding request is used to trigger the 5G message payment platform to return the binding connection.

In step S205, the 5G messaging application receives the binding link fed back by the 5G messaging payment platform through the 5G messaging application backend system.

The 5G message payment platform responds to the payment object binding request and sends a binding link to the 5G messaging application backend system. The 5G messaging application backend system then sends the binding link to the terminal device so that the 5G messaging application can obtain the binding link.

The binding link may indicate the card binding page of the 5G message payment platform. In some examples, the card binding page may be an H5 page, which is not limited here. The card binding page includes information prompting the user to enter the payment card identification.

In step S206, in response to the user's fourth input of the binding link, the 5G messaging application accesses the card binding page.

The fourth input is used to trigger jumping to the card binding page. The fourth input can be a single press input, a long press input, a double press input or other gesture input for the binding link, which is not limited here. The binding link may be the address of the card binding page. After receiving the user's fourth input of the binding link, the 5G messaging application accesses and displays the card binding page. The card binding page includes information prompting the user to enter the payment card identification. 5G messaging applications have a corresponding relationship with user identifiers such as mobile phone numbers. The card binding page of the 5G message payment platform is accessed by the 5G messaging application of the terminal device. The 5G message payment platform can determine the user identification corresponding to the 5G messaging application. The card binding page may not include the user identification or may include the user identification, which is not limited here. . For example, the card binding page may include a payment card identification input box for inputting a payment card identification and a mobile phone number input box for inputting a mobile phone number.

In step S207, the 5G messaging application sends a card binding submission message to the 5G messaging payment platform, so that the 5G messaging payment platform sends a binding request message to the payment system, and the payment system binds the user identification and the payment card identification indication entered by the user. payment card.

The card binding submission message and the binding request message include the user ID and the payment card ID input by the user. The user ID indicates the user ID corresponding to the 5G messaging application. The user ID in the card binding submission message and binding request message may be a user ID obtained directly from the 5G messaging application, or may be a user ID input by the user, which is not limited here.

Here, the payment object includes a payment card as an example. The payment system responds to the binding request message and binds the user ID and the payment card indicated by the payment card ID input by the user. When the binding is successful, the payment system can send the binding result and binding relationship to the 5G message payment platform. The binding relationship here includes the binding relationship between the user ID and the payment card indicated by the payment card ID entered by the user. The determined result indicates that the user ID and the payment card indicated by the payment card ID input by the user are successfully bound. The 5G message payment platform can store the binding information and send the binding results to the terminal device and the 5G messaging application backend system respectively.

In some examples, if the binding of the payment card indicated by the user ID and the payment card ID entered by the user fails, the payment system can send a binding result indicating the binding failure to the 5G message payment platform, and the 5G message payment platform can send a message to the terminal device respectively. Send binding results indicating binding failure to the 5G messaging application backend system.

In step S208, the 5G messaging application receives the binding result sent by the 5G messaging payment platform.

The terminal device receives the binding result, and the 5G messaging application in the terminal device can also obtain the binding result. When the binding result is obtained, the 5G messaging application can send out a prompt message indicating that the payment card binding is successful indicating the user ID and the payment card ID entered by the user, so that the user can know the binding result in a timely manner.

By allowing users to input payment card identifiers, 5G messaging applications can be bound to payment cards, which can give users a wider range of card binding options and improve the flexibility of payment card binding for 5G messaging applications.

A second aspect of the present invention provides a payment method based on 5G message application. The payment method based on 5G message application can be applied to the 5G message payment platform, that is, the payment method based on 5G message application can be executed by the 5G message payment platform. Figure 4 is a flow chart of a payment method based on 5G messaging applications provided by an embodiment of the second aspect of the present invention. As shown in Figure 4, this is based on The payment method of the 5G messaging application may include steps S301 to S304.

In step S301, receive a payment order request sent by the 5G messaging application of the terminal device through the 5G messaging application background system.

The payment order request is generated by the terminal device in response to the user's first input to the 5G messaging application, including the user identification. The user ID is used to characterize the user's mobile phone number.

In step S302, the payment object list is fed back to the 5G messaging application through the 5G messaging application backend system.

The 5G message payment platform stores the binding relationship between user IDs and payment objects, and can feed back a list of payment objects. The payment object list includes payment objects bound to the user ID.

In some examples, the payment item includes a payment card and/or payment account number.

In step S303, the receiving terminal device responds to the payment request sent by the user in the second input of the payment object list.

Payment requests include payment information.

In some examples, the payment request also includes verification of authorization information.

In step S304, interact with the payment system according to the payment information to complete the payment.

The 5G message payment platform can send payment information to the payment system. The payment system determines the payment amount and payment card based on the payment information, and deducts the payment amount resources from the payment card to complete the payment.

For the specific content of the above-mentioned steps S301 to step S304, please refer to the relevant content in the above-mentioned embodiments, and will not be described again here.

In the embodiment of the present invention, the terminal device responds to the first input for 5G message application, triggering the terminal device to send a payment order request to the 5G message payment platform through the 5G message application background system, and the 5G message payment platform responds to the payment order request. , through the 5G messaging application background system, the 5G messaging application in the terminal device returns a list of payment objects corresponding to the user ID that can guarantee the user's mobile phone number. The terminal device receives the user's second input of the payment object list, obtains the payment information, and sends a payment request to the 5G message payment platform, so that the 5G message payment platform interacts with the payment system to complete the payment based on the payment information, and establishes a support system for the 5G message application. The payment interface realizes payment based on 5G messaging applications.

In addition, in the payment method based on the 5G messaging application according to the embodiment of the present invention, the user can pay directly through the 5G messaging application. There is no need to click on a link during the payment process, and there is no need to jump to the H5 page to pay, which reduces Reduce payment time and improve payment efficiency. Moreover, the payment method based on the 5G message application in the embodiment of the present invention defines the payment interface of the 5G message application, which can unify the consistency of the payment process based on the 5G message application, improve the success rate of payment, and facilitate the management of the payment process. User operation is also easier.

In some embodiments, after the payment system completes the payment, the payment system may also generate a payment result message. The 5G message payment platform can also receive payment result messages sent by the payment system, send payment result messages to the 5G message application of the terminal device, and send payment result messages to the 5G message application background system. For specific content, please refer to the relevant instructions in the above embodiments. , which will not be described in detail here.

In order to obtain the payment object list from the 5G message payment platform, the user ID and the corresponding payment card can be pre-bound to obtain the payment object list. Figure 5 is a flow chart of a payment method based on 5G messaging applications provided by another embodiment of the second aspect of the present invention. The difference between Figure 5 and Figure 4 is that the payment method based on the 5G messaging application shown in Figure 5 may also include step S305 and step S306.

In step S305, the payment object binding request sent by the 5G messaging application through the 5G messaging application background system is received.

In step S306, the binding link is fed back to the 5G messaging application through the 5G messaging application background system.

The binding link indicates the card binding page of the 5G message payment platform. The card binding page includes information prompting the user to enter the payment card identification.

In step S307, a card binding page is provided for the 5G messaging application.

The 5G message payment platform responds to the access of the 5G message application in the terminal device and provides the first card binding page for the 5G message application.

In step S308, receive the card binding submission message sent by the 5G messaging application.

The card binding submission message includes the user ID and the payment card ID entered by the user.

In step S309, a binding request message is sent to the payment system, so that the payment system binds the user identification and the payment card indicated by the payment card identification input by the user.

In step S310, the binding relationship between the user identification sent by the payment system and the payment card indicated by the payment card identification input by the user is received and stored.

The 5G message payment platform stores the binding relationship between the user identification and the payment card indicated by the payment card identification input by the user, so as to facilitate the management of the binding relationship between the user identification and the payment card, and to facilitate the provision of information to the 5G messaging application in the terminal device during the payment process. List of payment items.

In step S311, the binding result is sent to the 5G messaging application and the 5G messaging application backend system.

The binding result indicates that the user ID and the payment card indicated by the payment card ID are successfully bound.

For the specific content of the above-mentioned steps S305 to step S311, please refer to the relevant content in the above-mentioned embodiments, and will not be described again here.

In order to facilitate understanding, the following takes the three scenarios of terminal equipment, 5G messaging application background system, 5G messaging payment platform, payment between payment systems, input card binding, and calling payment application to bind cards as examples for an overall explanation. Among them, the terminal device has a 5G messaging application.

Figure 6 is a flow chart of an example of a payment process based on 5G messaging applications provided by an embodiment of the present invention. As shown in Figure 6, the payment process may include steps S401 to S411.

In step S401, the 5G messaging application responds to the first input and sends a payment order request to the 5G messaging application background system.

In step S402, the 5G message application background system sends a payment order request to the 5G message payment platform.

In step S403, the 5G message payment platform feeds back the payment object list to the 5G message application backend system.

In step S404, the 5G messaging application background system feeds back the payment object list to the 5G messaging application.

In step S405, the 5G messaging application receives the user's request for the third item in the payment item list. 2. Enter and verify the authorization input, determine the payment information and verify the authorization information, and generate a payment request.

In step S406, the 5G messaging application sends a payment request to the 5G messaging payment platform.

In step S407, the 5G message payment platform sends payment information and verification authorization information to the payment system.

In step S408, the payment system uses the verification authorization information to perform authorization verification. If the authorization verification is successful, the payment is completed based on the payment information.

In step S409, the payment system sends a payment result message to the 5G message payment platform.

In step S410, the 5G message payment platform sends a payment result message to the 5G message application.

In step S411, the 5G message payment platform sends a payment result message to the 5G message application backend system.

For the specific contents of the above steps S401 to S411, please refer to the relevant descriptions in the above embodiments and will not be described again here.

Figure 7 is a flow chart of an example of a card binding process based on 5G messaging applications provided by an embodiment of the present invention. The card binding in this example is input card binding mode. As shown in Figure 7, the card binding process may include steps S501 to S514.

In step S501, in response to the third input, the 5G messaging application sends a payment object binding request to the 5G messaging application backend system.

In step S502, the 5G messaging application background system sends a payment object binding request to the 5G messaging payment platform.

In step S503, the 5G message payment platform feeds back the binding link to the 5G message application backend system.

In step S504, the 5G messaging application background system feeds back the binding link to the 5G messaging application.

In step S505, in response to the user's fourth input of the binding link, the 5G message Use the message application to access the card binding page provided by the 5G message payment platform.

In step S506, the 5G message payment platform feeds back card binding input prompt information to the 5G message application.

In step S507, the 5G messaging application receives the user's payment card identification input and authorization confirmation input, and obtains the payment card identification and authorization confirmation information.

In step S508, the 5G messaging application sends a card binding submission message to the 5G messaging payment platform. The card binding submission message may include user identification, payment card identification and authorization confirmation information.

In step S509, the 5G message payment platform sends a binding request message to the payment system.

In step S510, in response to the binding request message, the payment system binds the user identification and the payment card indicated by the payment card identification input by the user.

In step S511, the payment system sends the binding result and the binding relationship between the user ID and the payment card indicated by the payment card ID input by the user to the 5G message payment platform.

In step S512, the 5G message payment platform stores the binding relationship.

In step S513, the 5G message payment platform sends the binding result to the 5G message application.

In step S514, the 5G message payment platform sends the binding result to the 5G message application backend system.

For the specific contents of the above-mentioned steps S501 to step S514, please refer to the relevant descriptions in the above-mentioned embodiments, and will not be described again here.

It should be noted that in the embodiments of the present invention, the acquisition, storage, use and processing of information and data are all authorized by the user or relevant institutions and comply with the relevant provisions of national laws and regulations.

A third aspect of the present invention provides a terminal device. FIG. 8 is a schematic structural diagram of a terminal device provided by an embodiment of the third aspect of the present invention. As shown in Figure 8, the terminal device 700 may include a sending module 701 and a receiving module 702.

The sending module 701 may be used to respond to the user's first input to the 5G messaging application, Called by the 5G messaging application to send a payment order request to the 5G messaging payment platform through the 5G messaging application backend system. The payment order request includes a user identification, which is used to characterize the user's mobile phone number.

The receiving module 702 can be used to be called by the 5G messaging application to receive a list of payment objects fed back by the 5G messaging payment platform through the 5G messaging application backend system. The payment object list includes payment objects bound to the user ID. The 5G message payment platform stores the binding relationship between user identification and payment objects.

In some examples, the payment item includes a payment card and/or payment account number.

The sending module 701 can also be used to respond to the user's second input of the payment object list and be called by the 5G messaging application to send a payment request to the 5G messaging payment platform, so that the 5G messaging payment platform interacts with the payment system based on the payment information to complete the payment. Payment requests include payment information.

In some examples, the payment request also includes verification of authorization information.

In the embodiment of the present invention, the terminal device responds to the first input for 5G message application, triggering the terminal device to send a payment order request to the 5G message payment platform through the 5G message application background system, and the 5G message payment platform responds to the payment order request. , through the 5G messaging application background system, the 5G messaging application in the terminal device returns a list of payment objects corresponding to the user ID that can guarantee the user's mobile phone number. The terminal device receives the user's second input of the payment object list, obtains the payment information, and sends a payment request to the 5G message payment platform, so that the 5G message payment platform interacts with the payment system to complete the payment based on the payment information, and establishes a payment interface for the 5G message application. , realizing payment based on 5G messaging applications.

In addition, in the payment method based on the 5G messaging application according to the embodiment of the present invention, the user can pay directly through the 5G messaging application. There is no need to click on a link during the payment process, and there is no need to jump to the H5 page to pay, which reduces Reduce payment time and improve payment efficiency. Moreover, the payment method based on the 5G message application in the embodiment of the present invention defines the payment interface of the 5G message application, which can unify the consistency of the payment process based on the 5G message application, improve the success rate of payment, and facilitate the management of the payment process. User operation is also easier.

In some embodiments, the receiving module 702 can be used to be called by the 5G messaging application to receive the payment result message sent by the payment system through the 5G messaging payment platform.

In some embodiments, the sending module 701 can also be used to respond to the user's third input to the 5G messaging application and be called by the 5G messaging application to send a payment object binding request to the 5G messaging payment platform through the 5G messaging application backend system.

The receiving module 702 can also be used to be called by the 5G messaging application to receive the binding link fed back by the 5G messaging payment platform through the 5G messaging application background system.

The binding connection indicates the card binding page of the 5G message payment platform. The card binding page includes information prompting the user to enter the payment card identification.

The sending module 701 and the receiving module 702 can also be used to respond to the user's fourth input of the binding link and be called by the 5G messaging application to access the card binding page.

The sending module 701 can be used to be called by the 5G messaging application to send a card binding submission message to the 5G messaging payment platform, so that the 5G messaging payment platform sends a binding request message to the payment system. The card binding submission message and the binding request message include the user ID and the payment card ID input by the user.

The receiving module 702 can be used to be called by the 5G messaging application to receive the binding result sent by the 5G messaging payment platform. The binding result indicates that the user ID and the payment card indicated by the payment card ID input by the user are successfully bound.

A fourth aspect of the present invention provides a payment device based on 5G message application, which is applied to a 5G message payment platform. The 5G message payment platform stores the binding relationship between user identification and payment objects. Figure 9 is a schematic structural diagram of a payment device based on 5G messaging applications provided by an embodiment of the fourth aspect of the present invention. As shown in FIG. 9 , the payment device 800 based on 5G messaging application may include a receiving module 801 and a sending module 802 .

The receiving module 801 can be used to receive a payment order request sent by the 5G messaging application of the terminal device through the 5G messaging application background system. The payment order request is generated by the terminal device in response to the user's first input to the 5G messaging application, including the user identification. The user ID is used to characterize the user's mobile phone number.

The sending module 802 can be used to respond to 5G messages through the 5G message application background system. Use feedback to pay for the item list. The payment object list includes payment objects bound to the user ID.

In some examples, the payment item includes a payment card and/or payment account number.

The receiving module 801 may also be used to receive a payment request sent by the terminal device in response to the user's second input of the payment object list. Payment requests include payment information.

In some examples, the payment request also includes verification of authorization information.

The sending module 802 can also be used to interact with the payment system based on the payment information to complete the payment.

In the embodiment of the present invention, the terminal device responds to the first input for 5G message application, triggering the terminal device to send a payment order request to the 5G message payment platform through the 5G message application background system, and the 5G message payment platform responds to the payment order request. , through the 5G messaging application background system, the 5G messaging application in the terminal device returns a list of payment objects corresponding to the user ID that can guarantee the user's mobile phone number. The terminal device receives the user's second input of the payment object list, obtains the payment information, and sends a payment request to the 5G message payment platform, so that the 5G message payment platform interacts with the payment system to complete the payment based on the payment information, and establishes a payment interface for the 5G message application. , realizing payment based on 5G messaging applications.

In addition, in the payment method based on the 5G messaging application according to the embodiment of the present invention, the user can pay directly through the 5G messaging application. There is no need to click on a link during the payment process, and there is no need to jump to the H5 page to pay, which reduces Reduce payment time and improve payment efficiency. Moreover, the payment method based on the 5G message application in the embodiment of the present invention defines the payment interface of the 5G message application, which can unify the consistency of the payment process based on the 5G message application, improve the success rate of payment, and facilitate the management of the payment process. User operation is also easier.

In some embodiments, the receiving module 801 can also be used to receive payment result messages sent by the payment system.

The sending module 802 can also be used to send payment result messages to the 5G messaging application of the terminal device, and to send payment result messages to the 5G messaging application background system.

In some embodiments, the receiving module 801 can also be used to receive a payment object binding request sent by the 5G messaging application through the 5G messaging application backend system.

The sending module 802 can also be used to feed back a binding link to the 5G messaging application through the 5G messaging application backend system. The binding link indicates the card binding page of the 5G message payment platform. The card binding page includes information prompting the user to enter the payment card identification.

The sending module 802 can also be used to provide the first card binding page for the 5G messaging application.

The receiving module 801 can also be used to receive the card binding submission message sent by the 5G messaging application. The card binding submission message includes the user ID and the payment card ID entered by the user.

The sending module 802 can also be used to send a binding request message to the payment system, so that the payment system binds the user identification and the payment card indicated by the payment card identification input by the user.

The receiving module 801 may also be used to receive the binding relationship between the user identification sent by the payment system and the payment card indicated by the payment card identification input by the user.

The storage module can be used to store the binding relationship between the user identification and the payment card indicated by the payment card identification input by the user.

The sending module 802 can also be used to send binding results to the 5G messaging application and the 5G messaging application backend system. The binding result indicates that the user ID and the payment card indicated by the payment card ID are successfully bound.

The fifth aspect of the present invention also provides a terminal device. FIG. 10 is a schematic structural diagram of a terminal device provided by an embodiment of the fifth aspect of the present invention. As shown in FIG. 10 , the terminal device 900 includes a memory 901 , a processor 902 , and a computer program stored in the memory 901 and executable on the processor 902 .

In one example, the above-mentioned processor 902 may include a central processing unit (CPU), or an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), or may be configured to implement one or more embodiments of the present invention. Multiple integrated circuits.

Memory 901 may include read-only memory (ROM), random access memory (Random Access Memory, RAM), magnetic storage media devices, optical storage media devices, flash memory devices, electrical, Optical or other physical/tangible memory storage device. Thus, typically, memory consists of one or more codes containing computer-executable instructions. A tangible (non-transitory) computer-readable storage medium (e.g., a memory device) that contains the software and that, when the software is executed (e.g., by one or more processors), is operable to execute the The operations described in the payment method based on 5G messaging application in the embodiment of the first aspect of the invention.

The processor 902 reads the executable program code stored in the memory 901 to run a computer program corresponding to the executable program code, so as to implement the payment method based on the 5G messaging application in the embodiment of the first aspect.

In one example, the terminal device 900 may also include a communication interface 903 and a bus 904. Among them, as shown in Figure 10, the memory 901, the processor 902, and the communication interface 903 are connected through the bus 904 to complete communication with each other.

The communication interface 903 is mainly used to implement communication between modules, devices, units and/or equipment in the embodiment of the present invention. Input devices and/or output devices may also be accessed through the communication interface 903.

Bus 904 includes hardware, software, or both, and couples the components of terminal device 900 to each other. By way of example, but not limitation, the bus 904 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus , FSB), Hyper Transport (HT) interconnect, Industry Standard Architecture (ISA) bus, unlimited bandwidth interconnect, low pin count (LPC) bus, memory Body bus, Micro Channel Architecture (MCA) bus, Peripheral Component Interconnect (PCI) bus, Peripheral Component Interconnect Express (PCI-E) bus, serial bus Serial Advanced Technology Attachment (SATA) bus, Video Electronics Standards Association Local Bus (VLB) bus or other suitable bus or two or more of these combination. Where appropriate, busbar 904 may include one or more busbars. Although the embodiments of the present invention describe and illustrate specific specific bus, but the present invention contemplates any suitable bus or interconnection.

A sixth aspect of the present invention also provides an electronic device. FIG. 11 is a schematic structural diagram of an electronic device provided by an embodiment of the sixth aspect of the present invention. As shown in FIG. 11 , an electronic device 1000 includes a memory 1001 , a processor 1002 , and a computer program stored in the memory 1001 and executable on the processor 1002 .

In one example, the above-mentioned processor 1002 may include a central processing unit (CPU), or an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), or may be configured to implement one or more integrated circuits according to embodiments of the present invention. circuit.

Memory 1001 may include read-only memory (ROM), random access memory (Random Access Memory, RAM), magnetic storage media devices, optical storage media devices, flash memory devices, electrical, Optical or other physical/tangible memory storage device. Thus, generally, memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), which are operable to perform the operations described with reference to the payment method based on the 5G messaging application in the embodiment according to the second aspect of the present invention.

The processor 1002 reads the executable program code stored in the memory 1001 to run a computer program corresponding to the executable program code, so as to implement the payment method based on the 5G messaging application in the embodiment of the second aspect.

In one example, the electronic device 1000 may also include a communication interface 1003 and a bus 1004. Among them, as shown in Figure 11, the memory 1001, the processor 1002, and the communication interface 1003 are connected through the bus 1004 and complete communication with each other.

The communication interface 1003 is mainly used to implement communication between modules, devices, units and/or equipment in the embodiment of the present invention. Input devices and/or output devices may also be accessed through the communication interface 1003.

Bus 1004 includes hardware, software, or both, and couples the components of electronic device 1000 to each other. By way of example, and not limitation, bus 1004 may include AGP or other Graphics bus, EISA bus, FSB, HT interconnect, ISA bus, unlimited bandwidth interconnect, LPC bus, memory bus, MCA bus, PCI bus, PCI-E bus, SATA bus , VLB bus or other suitable bus or a combination of two or more of these. Where appropriate, busbar 1004 may include one or more busbars. Although embodiments of the present invention describe and illustrate specific busbars, the present invention contemplates any suitable busbar or interconnection.

The seventh aspect of the present invention provides a payment system based on 5G message application. The payment system may include the terminal device and the 5G message payment platform in the above embodiment. The terminal device can execute the payment method based on the 5G messaging application of the first aspect. The 5G message payment platform can implement the payment method based on the 5G message application in the second aspect mentioned above. The specific contents of the terminal device, the 5G message payment platform and the payment methods based on the 5G message application executed by each can be found in the relevant descriptions in the above embodiments, and will not be described again here.

In some embodiments, the payment system based on the 5G messaging application may also include the 5G messaging application background system and/or payment system in the above embodiments. For details, please refer to the relevant descriptions in the above embodiments and will not be described again here. .

An eighth aspect of the present invention also provides a computer-readable storage medium. Computer program instructions are stored on the computer-readable storage medium. When executed by the processor, the computer program instructions can implement the 5G message-based application in the embodiment of the first aspect. The payment method or the payment method based on the 5G message application in the embodiment of the second aspect can achieve the same technical effect. To avoid duplication, it will not be described again here. Among them, the above-mentioned computer-readable storage media may include non-transitory computer-readable storage media, such as read-only memory (Read-Only Memory, ROM), random access memory (Random Access Memory, RAM), magnetic disks or optical disks. etc. are not limited here.

The present invention can also provide a computer program product. When the instructions in the computer program product are executed by the processor of the electronic device and/or the terminal device, the electronic device and/or the terminal device execute the above-mentioned 5G-based method in the embodiment of the first aspect. The payment method of the message application or the payment method based on the 5G message application in the embodiment of the second aspect can achieve the same technical effect. To avoid duplication, it will not be described again here.

It should be made clear that each embodiment in this specification is described in a progressive manner. The same or similar parts between various embodiments can be referred to each other. Each embodiment focuses on the differences from other embodiments. place. For terminal equipment embodiments, device embodiments, electronic equipment embodiments, system embodiments, computer-readable storage medium embodiments, and computer program product embodiments, relevant information may be found in the description of the method embodiments. This invention is not limited to the specific steps and structures described above and illustrated in the drawings. Those skilled in the art can make various changes, modifications and additions, or change the order between steps after appreciating the spirit of the present invention. Also, for the sake of brevity, detailed descriptions of known method techniques are omitted here.

Aspects of the present invention are described above 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 block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations 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, a special-purpose computer, or other programmable data processing device to produce a machine such that the instructions executed by the processor of the computer or other programmable data processing device cause Ability to implement the functions/actions specified in one or more blocks of flowcharts and/or block diagrams. Such a processor may be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field-programmable logic circuit. It will also be understood that each block in the block diagram and/or flowchart illustration, and combinations of blocks in the block diagram and/or flowchart illustration, can also be implemented by special purpose hardware that performs the specified functions or actions, or can be implemented by Achieved by a combination of specialized hardware and computer instructions.

Those skilled in the art should understand that the above embodiments are illustrative rather than restrictive. Different technical features appearing in different embodiments can be combined to achieve beneficial effects. Those skilled in the art should be able to understand and implement other modified embodiments of the disclosed embodiments based on studying the drawings, descriptions and patent scopes. In the scope of the patent application, the term "comprising" does not exclude other devices or steps; the quantifier "a" does not exclude a plurality; the terms "first" and "second" are used to indicate names rather than to indicate any specific order. . Any schematic designation in the claim shall not be construed as limiting the scope of protection. Multiple parts of the functionality present in the request may be implemented by a single hardware or software module. Certain technical features appear in different The inclusion of a dependent claim does not mean that these technical features cannot be combined to achieve beneficial effects.

S201, S202, S203: steps

Claims (18)

A payment method based on 5G message application, characterized in that it is applied to a terminal device, and the terminal device has a 5G message application. The method includes: In response to the user's first input to the 5G message application, the 5G message application sends a payment order request to the 5G message payment platform through the 5G message application backend system. The payment order request includes a user identification, and the user identification is The mobile phone number that represents the user; The 5G message application receives a payment object list returned by the 5G message payment platform through the 5G message application background system. The payment object list includes payment objects bound to the user identification. The 5G message payment platform stores The binding relationship between the user identification and the payment object; In response to the user's second input of the payment object list, the 5G message application sends a payment request to the 5G message payment platform, where the payment request includes payment information, so that the 5G message payment platform can make the payment request based on the payment information. Interact with the payment system and complete the payment. The method according to claim 1, wherein the payment object includes a payment card and/or a payment account number. The method of claim 1, wherein the payment request also includes verification authorization information. The method as described in request item 1, which also includes: The payment result message sent by the payment system through the 5G message payment platform is received by the 5G messaging application. The method as described in request item 1, which also includes: In response to the user's third input to the 5G messaging application, the 5G messaging application sends a payment object binding request to the 5G messaging payment platform through the 5G messaging application backend system; The 5G message application receives a binding connection fed back by the 5G message payment platform through the 5G message application background system, and the binding connection indicates the binding of the 5G message payment platform. Card page, the card binding page includes information prompting the user to enter a payment card identification; In response to the user's fourth input to the binding link, the 5G messaging application accesses the card binding page; The 5G message application sends a card binding submission message to the 5G message payment platform, so that the 5G message payment platform sends a binding request message to the payment system, and the payment system binds the user identification and The payment card indicated by the payment card identification input by the user, and the card binding submission message and the binding request message include the user identification and the payment card identification input by the user. The method as described in claim 5, wherein after the 5G messaging application sends the card binding submission message to the 5G messaging payment platform, it further includes: The 5G messaging application receives the binding result sent by the 5G message payment platform, and the binding result indicates that the payment card indicated by the user ID and the payment card ID input by the user is successfully bound. A payment method based on 5G message application, characterized in that it is applied to a 5G message payment platform, and the 5G message payment platform stores the binding relationship between user identification and payment objects. The method includes: Receive a payment order request sent by the 5G messaging application of the terminal device through the 5G messaging application background system, the payment order request being generated by the terminal device in response to the user's first input to the 5G messaging application, including the user identification, The user identification is used to characterize the mobile phone number of the user; Feed back a payment object list to the 5G message application through the 5G message application backend system, where the payment object list includes the payment object bound to the user identification; Receive a payment request sent by the terminal device in response to the user's second input of the payment object list, where the payment request includes payment information; Interact with the payment system according to the payment information to complete the payment. The method of claim 7, wherein the payment object includes a payment card and/or a payment account number. The method of claim 7, wherein the payment request also includes verification Certificate authorization information. The method described in request item 7, which also includes: Receive payment result messages sent by the payment system; Send the payment result message to the 5G messaging application of the terminal device; Send the payment result message to the 5G messaging application background system. The method described in request item 7, which also includes: Receive a payment object binding request sent by the 5G messaging application through the 5G messaging application backend system; The 5G message application background system feeds back a binding link to the 5G message application. The binding link indicates the card binding page of the 5G message payment platform. The card binding page includes prompts for the user's input. payment card identification information, Provide the card binding page for the 5G messaging application; Receive the card binding submission message sent by the 5G messaging application, where the card binding submission message includes the user identification and the payment card identification input by the user; Send a binding request message to the payment system so that the payment system binds the user identification and the payment card indicated by the payment card identification input by the user; Receive and store the binding relationship between the user identification sent by the payment system and the payment card indicated by the payment card identification input by the user. The method according to claim 11, wherein, after receiving and storing the binding relationship between the user identification sent by the payment system and the payment card indicated by the payment card identification input by the user, it further includes: A binding result is sent to the 5G messaging application and the 5G messaging application backend system, where the binding result indicates that the user ID and the payment card indicated by the payment card ID are successfully bound. A terminal device, characterized in that the terminal device has a 5G messaging application, and the terminal device includes: A sending module, used to respond to the user's first input to the 5G messaging application and be called by the 5G messaging application to send payment to the 5G messaging payment platform through the 5G messaging application background system. Order request, the payment order request includes a user identification, and the user identification is used to characterize the user's mobile phone number; A receiving module, configured to be called by the 5G message application and receive a list of payment objects fed back by the 5G message payment platform through the 5G message application backend system. The list of payment objects includes payment objects bound to the user identification, so The 5G message payment platform stores the binding relationship between the user identification and the payment object; The sending module is also used to respond to the user's second input of the payment object list and be called by the 5G message application to send a payment request to the 5G message payment platform. The payment request includes payment information, so that all The 5G message payment platform interacts with the payment system based on the payment information to complete the payment. A payment device based on 5G message application, which is characterized in that it is applied to a 5G message payment platform. The 5G message payment platform stores the binding relationship between user identification and payment objects. The device includes: A receiving module configured to receive a payment order request sent by the 5G messaging application of the terminal device through the 5G messaging application backend system, where the payment order request is generated by the terminal device in response to the user's first input to the 5G messaging application, Including the user identification, the user identification is used to characterize the mobile phone number of the user; A sending module, configured to feed back a payment object list to the 5G message application through the 5G message application backend system, where the payment object list includes the payment object bound to the user identification; The receiving module is also configured to receive a payment request sent by the terminal device in response to the user's second input of the payment object list, where the payment request includes payment information; The sending module is also used to interact with the payment system according to the payment information to complete the payment. A terminal device, characterized in that it includes: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the payment method based on the 5G message application as described in any one of claims 1 to 6 is implemented. An electronic device, characterized by including: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the payment method based on the 5G message application as described in any one of claims 7 to 12 is implemented. A payment system based on 5G messaging application, which is characterized by including: A terminal device used to perform the payment method based on 5G messaging applications as described in any one of claims 1 to 6; A 5G message payment platform used to execute the payment method based on the 5G message application as described in any one of claims 7 to 12. A computer-readable storage medium, characterized in that computer program instructions are stored on the computer-readable storage medium, and when the computer program instructions are executed by a processor, the computer program instructions based on any one of claims 1 to 12 are implemented. Payment methods for 5G messaging apps.

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