Banking business processing method, device, medium and electronic equipment based on 5G message

Abstract

The embodiment of the present application discloses a banking business processing method, device, medium and electronic device based on 5G messages. The embodiment of the present application relates to the field of Internet technology. The method includes: receiving an uplink message message sent by a terminal through a gateway cluster, and identifying whether the uplink message message is an encrypted message; wherein the uplink message message is a 5G message; if it is an encrypted message, decrypting the message through the gateway cluster, and converting the uplink message message into a message content in a preset format; parsing the message content in the preset format through the message cluster, and determining the message type; determining the transaction code mapped to the message type through the message cluster according to the preset mapping relationship, and sending it to the transaction cluster based on the transaction code, so that the transaction cluster can perform transaction processing. By implementing this scheme, banking and non-financial services can be provided to users through 5G messages, so as to improve the processing speed of messages, increase the processing methods of messages, and facilitate user use.

Description

Technical Field

[0001] The embodiments of the present application relate to the field of Internet technology, and in particular, to a banking business processing method, device, medium and electronic device based on 5G messages. Background Art

[0002] With the rapid development of the economy and society, people are paying close attention to the flow of funds. The traditional SMS notification of banking information can no longer meet people's needs for efficiency and convenience. The core defects of the traditional SMS notification method are single function, no interaction, poor real-time performance and other shortcomings. For financial or non-financial services in banking, interactivity, real-time performance and comprehensive functions directly affect the user experience. The traditional SMS method for sending and receiving banking business messages can no longer meet the development needs of the current society. Summary of the invention

[0003] The embodiments of the present application provide a banking business processing method, device, medium and electronic device based on 5G messages, which can provide users with banking financial and non-financial services through 5G messages, thereby increasing the message processing speed and increasing the message processing methods to facilitate user use.

[0004] In a first aspect, an embodiment of the present application provides a banking business processing method based on 5G messages, the method being executed by a 5G message banking system, the 5G message banking system comprising a gateway cluster, a message cluster, and a transaction cluster, the method comprising:

[0005] Receiving an uplink message message sent by a terminal through the gateway cluster, and identifying whether the uplink message message is an encrypted message; wherein the uplink message message is a 5G message;

[0006] If it is an encrypted message, the gateway cluster performs decryption processing and converts the uplink message into a message content in a preset format;

[0007] Parsing the message content in the preset format through the message cluster and determining the message type;

[0008] The transaction code mapped to the message type is determined by the message cluster according to a preset mapping relationship, and is sent to the transaction cluster based on the transaction code, so that the transaction cluster performs transaction processing.

[0009] Further, determining the transaction code mapped to the message type according to a preset mapping relationship through the message cluster, and sending it to the transaction cluster based on the transaction code, so that the transaction cluster performs transaction processing, including:

[0010] Determine whether the message type contains a transaction code according to a preset mapping relationship through a message cluster;

[0011] If it is a non-transaction code, the parsing result of the message content is sent to the intelligent customer service robot through the transaction cluster;

[0012] If it is a transaction code, the target transaction request is determined according to the transaction code through the message cluster, and the target transaction request is sent to the transaction cluster for processing by the transaction cluster.

[0013] Further, after converting the uplink message into a message content in a preset format, the method further includes:

[0014] Send response information of uplink message to the operator.

[0015] Furthermore, the message content in the preset format is the message content in XML format;

[0016] Accordingly, the message content in the preset format is parsed through the message cluster, and the message type is determined, including:

[0017] The message content in the XML format is parsed into a Map structure through a message cluster, and the message type is determined; wherein the message type includes at least one of text, picture, audio and video, geographic location, and rich media card.

[0018] Further, the transaction cluster performs transaction processing, including:

[0019] The transaction cluster generates transaction information according to the target transaction request;

[0020] The transaction information is sent to the backend service platform for the backend service platform to process according to the transaction information to obtain transaction return data.

[0021] Furthermore, after the transaction cluster performs transaction processing, the method further includes:

[0022] Acquire transaction return data through the transaction cluster; and input the transaction return data into a message queue through the message cluster;

[0023] Extracting transaction return data from the message queue through the message cluster, and assembling the return message according to the message template configuration information;

[0024] The assembled return message is formatted according to a preset operator message format by the gateway cluster and sent to the terminal.

[0025] Further, the transaction return data is extracted from the message queue through the message cluster, and the return message is assembled according to the message template configuration information, including:

[0026] Start a message processing thread through the message cluster and extract transaction return data from the message queue;

[0027] Determining template configuration information according to the message type of the target transaction request corresponding to the transaction return data;

[0028] Determine whether the template configuration information is a text type template;

[0029] If so, the transaction return data is assembled into a text type return message.

[0030] Furthermore, after determining whether the template configuration information is a text-type template, the method further includes:

[0031] If not, obtaining the dynamic configuration information of the template and determining whether the template is a dynamic picture template;

[0032] If it is a dynamic picture template, assemble the transaction return data into a dynamic picture class return message;

[0033] If it is a static picture template, the transaction return data is assembled into a static picture class return message.

[0034] Furthermore, the message queue is also used for:

[0035] Initialize the message queue and determine the ID of the intelligent customer service robot associated with the message in the message queue;

[0036] Configure at least two message queues for each intelligent customer service robot ID, and determine the priorities of the at least two configured message queues;

[0037] The processing order of the transaction return data is determined according to the intelligent customer service robot ID and the priority of the message queue.

[0038] Further, obtaining transaction return data through the transaction cluster includes:

[0039] If the transaction return data is customer service response data returned by the intelligent customer service robot, the customer service response data is sent to the message cluster in the form of a message;

[0040] If the transaction return data is returned by the backend service platform, determining the response code of the transaction return data;

[0041] Determine whether the terminal has activated the 5G message message according to the response code;

[0042] If it has been activated, the return message is assembled into the 5G message format and sent to the message cluster.

[0043] Further, after determining whether the terminal has activated the 5G message according to the response code, the method further includes:

[0044] If not enabled, the return message is sent to the message cluster;

[0045] If the response code indicates that the target terminal is an unsubscribed terminal, the return message is assembled into an unsubscribed message and sent to the message cluster.

[0046] Furthermore, after acquiring the transaction return data through the transaction cluster, the method further includes:

[0047] Acquire the tail configuration information of the returned message through the transaction cluster; wherein the tail configuration information is determined according to the portrait of the terminal login user;

[0048] Correspondingly, the transaction return data is extracted from the message queue through the message cluster, and the return message is assembled according to the message template configuration information, including:

[0049] The transaction return data and the tail configuration information are extracted from the message queue through the message cluster, and the return message is assembled according to the message template configuration information; wherein the encapsulated return message includes the tail configuration information.

[0050] Furthermore, the method further comprises:

[0051] In response to the development request, determining a development target corresponding to the development request; wherein the development target includes at least one of a UI component library, a theme library, a communication method, and an error handling;

[0052] A development and debugging interface is determined according to the development goal to perform development and debugging.

[0053] In a second aspect, an embodiment of the present application provides a banking business processing device based on 5G messages, wherein the device is configured in a 5G message banking system, wherein the 5G message banking system includes a gateway cluster, a message cluster, and a transaction cluster, and wherein the device includes:

[0054] An uplink message receiving module, used to receive an uplink message sent by a terminal through the gateway cluster, and identify whether the uplink message is an encrypted message; wherein the uplink message is a 5G message;

[0055] A format conversion module, used for decrypting the encrypted message through the gateway cluster and converting the uplink message into a message content in a preset format;

[0056] A message type determination module, used to parse the message content in the preset format through the message cluster and determine the message type;

[0057] The transaction processing module is used to determine the transaction code mapped to the message type according to a preset mapping relationship through the message cluster, and send it to the transaction cluster based on the transaction code, so that the transaction cluster performs transaction processing.

[0058] In a third aspect, an embodiment of the present application provides a computer-readable storage medium on which a computer program is stored. When the program is executed by a processor, the banking business processing method based on 5G messages as described in the embodiment of the present application is implemented.

[0059] In a fourth aspect, an embodiment of the present application provides an electronic device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein when the processor executes the computer program, the banking business processing method based on 5G messages as described in the embodiment of the present application is implemented.

[0060] The technical solution provided in the embodiment of the present application, the method is executed by a 5G message banking system, the 5G message banking system includes a gateway cluster, a message cluster and a transaction cluster, the method includes: receiving an uplink message message sent by a terminal through the gateway cluster, and identifying whether the uplink message message is an encrypted message; wherein the uplink message message is a 5G message; if it is an encrypted message, decrypting the message through the gateway cluster, and converting the uplink message message into a message content in a preset format; parsing the message content in the preset format through the message cluster, and determining the message type; determining the transaction code mapped to the message type through the message cluster according to a preset mapping relationship, and sending it to the transaction cluster based on the transaction code, so that the transaction cluster can perform transaction processing. By executing this technical solution, banking and non-financial services can be provided to users through 5G messages, so as to improve the message processing speed, and increase the message processing methods, so as to facilitate user use. BRIEF DESCRIPTION OF THE DRAWINGS

[0061] Figure 1 It is a flowchart of a banking business processing method based on 5G messages provided in Example 1 of the present application;

[0062] Figure 2 It is a flowchart of a banking business processing method based on 5G messages provided in Embodiment 2 of the present application;

[0063] Figure 3 It is a schematic diagram of the uplink message service logic of the gateway cluster provided in Example 2 of the present application;

[0064] Figure 4It is a schematic diagram of the downlink message service logic of the gateway cluster provided in Example 2 of the present application;

[0065] Figure 5 It is a schematic diagram of the uplink message service logic of the message cluster provided in Example 2 of the present application;

[0066] Figure 6 It is a schematic diagram of the downlink message service logic of the message cluster provided in Example 2 of the present application;

[0067] Figure 7 It is a schematic diagram of the business logic of the transaction cluster provided in Example 2 of the present application;

[0068] Figure 8 It is a schematic diagram of the overall architecture of the 5G message banking system provided in Example 3 of the present application;

[0069] Fig. 9 It is a structural diagram of a banking business processing device based on 5G messages provided in Embodiment 4 of the present application;

[0070] Fig.10 It is a structural schematic diagram of an electronic device provided in Example 5 of the present application. DETAILED DESCRIPTION

[0071] The present application will be further described in detail below in conjunction with the accompanying drawings and embodiments. It is to be understood that the specific embodiments described herein are only used to explain the present application, rather than to limit the present application. It should also be noted that, for ease of description, only the parts related to the present application, rather than all structures, are shown in the accompanying drawings.

[0072] It should be mentioned before discussing the exemplary embodiments in more detail that some exemplary embodiments are described as processes or methods depicted as flow charts. Although the flow charts describe the steps as sequential processes, many of the steps therein can be implemented in parallel, concurrently or simultaneously. In addition, the order of the steps can be rearranged. The process can be terminated when its operation is completed, but can also have additional steps not included in the accompanying drawings. The process can correspond to a method, function, procedure, subroutine, subprogram, etc.

[0073] Embodiment 1

[0074] Figure 1 It is a flowchart of the banking business processing method based on 5G messages provided in the first embodiment of the present application. This embodiment can be applicable to the information sending and receiving of the 5G message banking system. The method can be executed by the banking business processing device based on 5G messages provided in the embodiment of the present application. The device can be implemented by software and / or hardware and can be integrated into an electronic device.

[0075] like Figure 1 As shown, the banking business processing method based on 5G messages includes:

[0076] S110. Receive an uplink message message sent by a terminal through the gateway cluster, and identify whether the uplink message message is an encrypted message; wherein the uplink message message is a 5G message.

[0077] 5G Message Bank adopts new 5G message technology, and builds a new 5G message bank gateway, technical architecture, and business backend to provide 5G message bank's innovative and intelligent financial and non-financial services.

[0078] Among them, this method is executed by a 5G message banking system, and the 5G message banking system includes a gateway cluster, a message cluster and a transaction cluster.

[0079] In order to provide the core of financial and non-financial services for the 5G message banking system, it can be decomposed into three parts: gateway cluster, message cluster and transaction cluster, and built separately to form the basic architecture of the service system.

[0080] Build a gateway cluster to implement 5G message uplink, downlink and message sending mechanisms, and connect to operators through parameter configuration. Implement the basic communication, transaction, error handling, development, debugging, and application release mechanisms of 5G message banks.

[0081] Build a message cluster, receive the uplink messages of the gateway cluster, establish the underlying communication service protocol, and provide services for the transaction cluster. For the downlink messages of the transaction cluster, realize the customization capability of 5G messages, build the H5 framework, realize 5G message management, and create rich media cards, so as to realize the ability to match different message templates according to priorities in different scenarios, and provide personalized, templated, and professional message services.

[0082] Build a transaction cluster, implement a 5G message batch processing mechanism, request corresponding product components according to the message type, and realize financial and non-financial services such as account change notifications, balance inquiries, bill inquiries, one-click repayments, branch number pickup, and smart marketing stickers through 5G messages.

[0083] After the installation is completed, when the user actually uses the terminal, the user can enter a message or click a button, and the terminal will send an uplink message to the gateway cluster. The gateway cluster parses the message message and initiates a request to the message cluster, and sends the parsed data to the message cluster. After logical processing, the message cluster initiates a request to the transaction cluster. The transaction cluster obtains the required transaction data through the corresponding product components and returns the transaction data to the message cluster through downlink messages. The message cluster puts the data back into the message queue again, and at the same time starts a thread to consume messages from the queue, assembles them into corresponding message templates, and sends them to the gateway cluster. The gateway cluster sends them to the terminal for display, providing users with further financial or non-financial services.

[0084] At this point, it can be considered that an information cycle has been completed. However, in the actual use process of the user, multiple information cycles may be required to complete the purpose of the transaction. Therefore, the above process can be repeated until the user's use needs have been met.

[0085] It is understandable that the 5G message banking system can handle financial services or non-financial services. Among them, financial services can include transfers, repayments, etc., and non-financial services can include services that do not require transactions to be completed, such as branch number collection, balance inquiry, etc.

[0086] In this solution, the uplink message sent by the terminal can be an uplink message message input by the user through key clicks, audio input, etc. based on the information returned by the 5G message banking system, or it can be an uplink message message initiated by the user, who directly inputs the content information of the service he needs and uploads it. This solution is based on 5G messages and can achieve a more comprehensive understanding of user needs. For example, users can express their needs by clicking buttons in 5G messages, and can also express their needs briefly and quickly through text input, voice input, and code input, etc., and then can also respond to user needs quickly and accurately through the 5G message banking system.

[0087] S120: If it is an encrypted message, decryption processing is performed through the gateway cluster, and the uplink message message is converted into a message content in a preset format.

[0088] Combined with the previous construction of the gateway cluster, the gateway cluster can determine whether the uplink message is encrypted by identification. If it has been encrypted, it needs to be decrypted. If it is not encrypted, that is, it is transmitted in plain text, the plain text information can be directly identified.

[0089] In this solution, in order to enable better interaction between the gateway cluster and the message cluster, the format of the uplink message message can be converted, for example, into Json format or other formats.

[0090] Optionally in this solution, the message content in the preset format is the message content in XML format;

[0091] Accordingly, the message content in the preset format is parsed through the message cluster, and the message type is determined, including:

[0092] The message content in the XML format is parsed into a Map structure through a message cluster, and the message type is determined; wherein the message type includes at least one of text, picture, audio and video, geographic location, and rich media card.

[0093] Among them, the XML format is Extensible Markup Language (a subset of Standard Generalized Markup Language), which is a simple data storage language. It uses a series of simple tags to describe data, and these tags can be established in a convenient way. Although the space occupied by the Extensible Markup Language is more than that of binary data, the Extensible Markup Language is extremely simple and easy to master and use.

[0094] JavaScript objects are essentially collections of key-value pairs, but can only use strings as keys. To address this problem, es6 proposes a Map data structure. Map is similar to an object, but the scope of "keys" is not limited to strings, and values ​​of all types can be used as keys. Object provides 'string-value'; Map provides 'value-value'; for the 'key-value pair data structure', Map is more suitable than Object.

[0095] Among them, 5G message bank is compared with traditional SMS bank. Traditional SMS has the disadvantages of single function, no interaction, poor real-time performance, etc. As an extension of traditional SMS, 5G SMS provides multiple media forms and rich interactive experience such as text, pictures, audio and video, geographic location, rich media cards, etc. Compared with mobile phone apps, the biggest advantage of 5G messages is that they can be used without installation or downloading, with high information timeliness, wider user base coverage, and lower customer acquisition costs.

[0096] In this solution, optionally, after converting the uplink message into a message content in a preset format, the method further includes:

[0097] Send response information of uplink message to the operator.

[0098] The operator is the operator of the mobile phone card used by the terminal, such as China Mobile, China Unicom, and China Telecom. After the gateway cluster receives and converts the uplink message, it can send a response message to the operator to inform the operator that the uplink message has been received normally.

[0099] S130: Parse the message content in the preset format through the message cluster and determine the message type.

[0100] The message cluster parses the message content in the preset format, for example, into Map format data, and then determines the message type of the uplink message.

[0101] In this solution, optionally, determining the transaction code mapped to the message type according to a preset mapping relationship through the message cluster, and sending it to the transaction cluster based on the transaction code, so that the transaction cluster performs transaction processing, includes:

[0102] Determine whether the message type contains a transaction code according to a preset mapping relationship through a message cluster;

[0103] If it is a non-transaction code, the parsing result of the message content is sent to the intelligent customer service robot through the transaction cluster;

[0104] If it is a transaction code, the target transaction request is determined according to the transaction code through the message cluster, and the target transaction request is sent to the transaction cluster for processing by the transaction cluster.

[0105] The transaction code may correspond to the message type one by one, and the transaction code may be determined after the message type is determined. In one case, that is, when an intelligent customer service robot is required to provide services, the transaction code may not be included. If it is identified as a non-transaction code, the parsed result of the message content may be directly sent to the intelligent customer service robot. In other cases, it is necessary to determine the target transaction request based on the transaction code of the message and send it to the backend service platform for transaction processing.

[0106] S140: Determine the transaction code mapped to the message type through the message cluster according to a preset mapping relationship, and send it to the transaction cluster based on the transaction code, so that the transaction cluster performs transaction processing.

[0107] Among them, after the parsing is completed, the uplink message message of the gateway cluster is received, and the message types such as text, button, and rich media are judged, and different transaction codes are obtained according to the message type, corresponding to different transactions of the request transaction cluster, such as account change notification, balance inquiry, intelligent customer service transactions and other financial and non-financial transactions. Finally, the response status of the transaction cluster is obtained, including no return, the need to request the transaction cluster again, and directly entering the data into the queue.

[0108] The transaction cluster mainly receives the corresponding transaction requests from the message cluster, calls the collaborative system to complete the corresponding transaction requests, and returns the corresponding data to the message cluster. The technical framework uses the P1 framework to separate each transaction, ensuring the isolation and independence of different business transactions, decoupling complex business scenarios, and making business processes simpler and clearer.

[0109] In this solution, optionally, the transaction cluster performs transaction processing, including:

[0110] The transaction cluster generates transaction information according to the target transaction request;

[0111] The transaction information is sent to the backend service platform for the backend service platform to process according to the transaction information to obtain transaction return data.

[0112] The target transaction request may be determined by a transaction cluster and may represent a specific request for this transaction. For example, if a transaction request is to transfer 200 yuan to a bank card, the transaction request may be sent to a backend service platform for the backend service platform to retrieve the server associated with the bank card, complete the transaction, and obtain the transaction return data.

[0113] The technical solution provided by this embodiment is to receive the uplink message message sent by the terminal through the gateway cluster, and identify whether the uplink message message is an encrypted message; wherein the uplink message message is a 5G message; if it is an encrypted message, the gateway cluster is used to perform decryption processing, and the uplink message message is converted into a message content in a preset format; the message content in the preset format is parsed by the message cluster, and the message type is determined; the transaction code mapped to the message type is determined by the message cluster according to a preset mapping relationship, and is sent to the transaction cluster based on the transaction code, so that the transaction cluster can perform transaction processing. By implementing this technical solution, banking and non-financial services can be provided to users through 5G messages, thereby improving the message processing speed and increasing the message processing methods to facilitate user use.

[0114] In this embodiment, optionally, after acquiring the transaction return data through the transaction cluster, the method further includes:

[0115] Acquire the tail configuration information of the returned message through the transaction cluster; wherein the tail configuration information is determined according to the portrait of the terminal login user;

[0116] Correspondingly, the transaction return data is extracted from the message queue through the message cluster, and the return message is assembled according to the message template configuration information, including:

[0117] The transaction return data and the tail configuration information are extracted from the message queue through the message cluster, and the return message is assembled according to the message template configuration information; wherein the encapsulated return message includes the tail configuration information.

[0118] The post configuration information may be promotion information for product promotion. For example, a new product may be launched and used for promotion. In this solution, the post configuration information may be determined based on the user's profile, and the post configuration information actually required by the user may be provided to improve the conversion efficiency of the post configuration information.

[0119] Embodiment 2

[0120] Based on the above embodiment, this embodiment provides a solution for returning transaction return data to the terminal. The configuration of this embodiment is suitable for some scenarios where messages must be returned to the terminal. Figure 2 is a flowchart of a banking service processing method based on 5G messages provided in Embodiment 2 of the present application, such as Figure 2 As shown, the method includes:

[0121] S210. Receive an uplink message message sent by a terminal through the gateway cluster, and identify whether the uplink message message is an encrypted message; wherein the uplink message message is a 5G message.

[0122] S220: If it is an encrypted message, decryption processing is performed through the gateway cluster, and the uplink message message is converted into a message content in a preset format.

[0123] S230: Parse the message content in the preset format through the message cluster and determine the message type.

[0124] S240: Determine the transaction code mapped to the message type through the message cluster according to a preset mapping relationship, and send it to the transaction cluster based on the transaction code, so that the transaction cluster performs transaction processing.

[0125] S250, acquiring transaction return data through the transaction cluster; and inputting the transaction return data into a message queue through the message cluster.

[0126] The transaction return data obtained by the transaction cluster may be returned by an intelligent customer service robot or by a backend service platform. Therefore, after obtaining the transaction return data, the transaction cluster may send it to the message cluster so that the message cluster inputs it into the message queue.

[0127] S260: extracting transaction return data from the message queue through the message cluster, and assembling the return message according to the message template configuration information.

[0128] After the message enters the queue, it can be consumed according to certain rules. In this solution, each transaction return data can be extracted separately and assembled according to the message template configuration information to obtain the return message.

[0129] In this solution, message template customization is mainly to bind template configuration information according to message type coding. For the same message type, only specific data needs to be provided to customize a set of messages with the same template and send them to the terminal, making 5G messages more personalized, customized and professional.

[0130] In this solution, optionally, the transaction return data is extracted from the message queue through the message cluster, and the return message is assembled according to the message template configuration information, including:

[0131] Start a message processing thread through the message cluster and extract transaction return data from the message queue;

[0132] Determining template configuration information according to the message type of the target transaction request corresponding to the transaction return data;

[0133] Determine whether the template configuration information is a text type template;

[0134] If so, the transaction return data is assembled into a text type return message.

[0135] The message cluster can start the message processing thread when the system starts, and consume the transaction return data in the message queue after the transaction return data enters the message queue. The message cluster can obtain the configuration information of the template ID according to the message type code of the transaction return data, and obtain the specific template configuration information according to the template ID. Then judge the template type. If it is a text type template, you can directly assemble the text message template and use it to send the return information to the gateway cluster. The advantage of this setting of this scheme is that if a text type message template is detected, it can be quickly packaged and issued to increase the message processing speed.

[0136] In the above solution, optionally, after determining whether the template configuration information is a text-type template, the method further includes:

[0137] If not, obtaining the dynamic configuration information of the template and determining whether the template is a dynamic picture template;

[0138] If it is a dynamic picture template, assemble the transaction return data into a dynamic picture class return message;

[0139] If it is a static picture template, the transaction return data is assembled into a static picture class return message.

[0140] If it is not a text template, it is necessary to determine the dynamic configuration information of the template to determine whether it is a dynamic image template. If the dynamic configuration information is empty, it is determined to be a static image and a static image message template is assembled. If there is dynamic configuration information, it can be determined to be a dynamic image and a dynamic image message template is assembled.

[0141] This solution is set up in this way, so that different message templates can be selected for different scenarios, providing personalized, templated and professional message services.

[0142] In this solution, optionally, the message queue is also used for:

[0143] Initialize the message queue and determine the ID of the intelligent customer service robot associated with the message in the message queue;

[0144] Configure at least two message queues for each intelligent customer service robot ID, and determine the priorities of the at least two configured message queues;

[0145] The processing order of the transaction return data is determined according to the intelligent customer service robot ID and the priority of the message queue.

[0146] This solution uses message queues to send 5G messages asynchronously. When the service starts, the queue is initialized (the queue is initialized according to the parameter library configuration parameters. Currently, the parameter library is configured according to chatbotid. One chatbotid is configured with 5 queues, and 5 priority configurations are configured according to different business scenario types). After the queue is initialized, the downlink message is entered into the corresponding queue according to the chatbotid and priority. Finally, the message data is taken out from the queue according to the chatbotid and priority for subsequent processing. This solves application coupling, asynchronous message processing, traffic peak shaving, and message communication.

[0147] S270: Formatting the assembled return message according to a preset operator message format through the gateway cluster, and sending it to the terminal.

[0148] The gateway cluster is mainly responsible for receiving downlink message packets sent by the message cluster. According to different message types, such as text, text with floating button, single card, single card with floating button and multiple cards, it assembles different terminal request packets and sends them to the terminal for display.

[0149] In this embodiment, optionally, obtaining transaction return data through the transaction cluster includes:

[0150] If the transaction return data is customer service response data returned by the intelligent customer service robot, the customer service response data is sent to the message cluster in the form of a message;

[0151] If the transaction return data is returned by the backend service platform, determining the response code of the transaction return data;

[0152] Determine whether the terminal has activated the 5G message message according to the response code;

[0153] If it has been activated, the return message is assembled into the 5G message format and sent to the message cluster.

[0154] Here, after the response code is determined, it is necessary to determine whether the terminal has activated the 5G message message based on the response code. If it has been activated, it can be directly encapsulated as a return message in the 5G message message format.

[0155] In another feasible embodiment, after determining whether the terminal has enabled the 5G message according to the response code, the method further includes:

[0156] If not enabled, the return message is sent to the message cluster;

[0157] If the response code indicates that the target terminal is an unsubscribed terminal, the return message is assembled into an unsubscribed message and sent to the message cluster.

[0158] If it is not enabled, the return message can be sent directly to the message cluster.

[0159] In addition, there is also a case where the terminal is an unsubscribed terminal. In this case, the return message needs to be assembled into an unsubscribed message and sent to the message cluster.

[0160] Figure 3 Schematic diagram of the uplink message service logic of the gateway cluster provided in the second embodiment of the present application, such as Figure 3 As shown, the gateway cluster is mainly connected to the operator and sends messages to the message cluster. The main tasks include: the uplink (terminal->gateway->message) message process, which is mainly responsible for receiving the uplink message message sent by the terminal, decrypting the uplink message message, and parsing it into a message that can be recognized by the message cluster.

[0161] Figure 4 Schematic diagram of the downlink message service logic of the gateway cluster provided in the second embodiment of the present application, such as Figure 4 As shown, the downlink (message->gateway->terminal) message process is mainly responsible for receiving downlink message packets sent by the message cluster, assembling different terminal request packets according to different message types (such as text, text with floating button, single card, single card with floating button, multiple cards, etc.), and sending them to the terminal for display.

[0162] In addition, the gateway cluster also provides dynamic image generation services, mainly for business scenarios where image materials will change dynamically for different users (such as balance inquiry, sub-account inquiry, etc.).

[0163] The message cluster receives uplink messages from the gateway cluster, and after logical processing, requests the transaction cluster to initiate related transactions. At the same time, it personalizes the downlink message templates and customizes different message templates for different business scenarios to provide more personalized, modular and professional 5G message banking services.

[0164] Figure 5 Schematic diagram of the uplink message service logic of the message cluster provided in the second embodiment of the present application, such as Figure 5 As shown, in the uplink (gateway->message->transaction) message flow, the uplink message of the gateway cluster is received, the message types such as text, button, rich media, etc. are judged, and different transaction codes are obtained according to the message type, corresponding to different transactions requested by the transaction cluster, such as account change notification, balance inquiry, intelligent customer service transaction and other financial and non-financial transactions. Finally, the response status of the transaction cluster is obtained, including no return, requesting the transaction cluster again, and directly entering the data into the queue. Among them, mode is the subsequent operation processing identifier returned by the transaction cluster to the message cluster. When mode=2, it means that the message cluster does not operate anything and directly ends the transaction. When mode=3, it means that the message cluster requests the transaction cluster again according to the instruction. When mode is other (except 2 and 3), the message cluster returns data according to the transaction cluster and performs regular operations of entering the queue. 5G0009 is the instruction code for opening 5G messages, MTVO indicates the downlink message data object, unopened 5G messages: indicates that the mobile phone number has not opened 5G messages and cannot perform 5G message operations, unsigned mobile phone: indicates that the mobile phone number has not signed SMS banking and mobile banking.

[0165] Figure 6 Schematic diagram of the downlink message service logic of the message cluster provided in the second embodiment of the present application, such as Figure 6 As shown in the figure, in the downstream (transaction->message->gateway) message flow, business scenarios include requesting transaction cluster return, account change notification push, SMS verification code sending, etc. The message cluster assembles the message data of the three scenarios in a templated manner and then sends it to the terminal through the gateway.

[0166] In addition, message clusters are used to:

[0167] Message template customization mainly involves binding template configuration information based on message type codes. For the same message type, you only need to provide specific data to customize a set of messages with the same template and send them to the terminal, making 5G messages more personalized, customized and professional.

[0168] Use message queues to send 5G messages asynchronously. Initialize the queue when the service starts (initialize the queue according to the parameter library configuration parameters. Currently, the parameter library is configured according to chatbotid. One chatbotid is configured with 5 queues, and 5 priority configurations are configured according to different business scenario types). After the queue is initialized, downlink messages are sent to the corresponding queue according to chatbotid and priority. Finally, the message data is taken out of the queue according to chatbotid and priority for subsequent processing. This solves application coupling, asynchronous message processing, traffic peak shaving, and message communication.

[0169] Figure 7 is a schematic diagram of the business logic of the transaction cluster provided in Example 2 of the present application, such as Figure 7 As shown, the transaction cluster mainly receives the corresponding transaction requests from the message cluster, calls the collaborative system to complete the corresponding transaction requests, and returns the corresponding data to the message cluster. The technical framework uses the P1 framework to separate each transaction, ensuring the isolation and independence of different business transactions, decoupling complex business scenarios, and making the business process simpler and clearer.

[0170] Embodiment 3

[0171] Based on the above embodiments, this embodiment also provides an overall architecture of a 5G message banking system. Figure 8 This is a schematic diagram of the overall architecture of the 5G message banking system provided in Example 3 of this application. Figure 8 As shown, the 5G message bank generally includes the 5G message service system, the 5G message operation center and the 5G message bank development platform;

[0172] Among them, the 5G message banking service system: This module is the core component of the 5G message bank, which includes gateway clusters, message clusters, and transaction-related front-end display services and CHATBOT services.

[0173] 5G Message Bank Operation Center: Provides a parameter configuration interface to facilitate implementers to create message templates, configure tail configuration instructions, configure message routing, configure intelligent robot knowledge base, as well as data dashboards, transaction monitoring and other operation and maintenance services on this platform.

[0174] 5G message bank development platform: Develop 5G message application SDK, build UI component library and theme library. Provide support such as development SDK, H5 component library, testing, online deployment and implementation process for implementers to facilitate development and implementation.

[0175] In this embodiment, 5G message bank can provide a comprehensive financial and non-financial service platform in multiple scenarios. The process steps of the two typical scenarios of "message push" and "financial services" in 5G message bank are given below.

[0176] (1) 5G banking message push scenario;

[0177] Message push service is a service type in which 5G message bank actively pushes messages to users. The transaction is initiated by 5G message bank and reaches the customer through the operator.

[0178] Step 1: Customize the message service, select the message type you want to customize, such as savings account change notification message, and customize the 5G message push template;

[0179] Step 2: Generate message flow after the customer purchases and signs the product;

[0180] Step 3: Encapsulate the contact message, obtain customer location information and generate marketing activity information, so as to form a mapping of 5G message post content, links and other elements;

[0181] Step 4: The 5G message service selects the corresponding template based on the configured message type, fills in and assembles it into the target multimedia format (including the main content, marketing post, and other information), and sends it to the operator.

[0182] (2) Customer financial transaction scenarios;

[0183] Financial transaction services are a form of financial services obtained by customers through 5G message banking by sending text, voice, pictures, or clicking buttons or cards. The transaction goes from the customer to the operator, and then is processed by the 5G message banking platform to provide corresponding services to the customer.

[0184] Step 1: Receive messages. Users select financial services through 5G message banking. Mobile phone numbers and message content are pushed to 5G message services, which are then routed to corresponding processing modules based on the message content.

[0185] Step 2: Identity identification, enter the message session after identifying the customer’s identity through the mobile phone number.

[0186] Step 3: Interactive input, complete the input of transaction elements through reply messages and floating menus.

[0187] Step 4: Submit customer operations to query balance details, bill limits, credit card repayments and other financial services. The front end displays them to customers in rich multimedia formats and helps customers complete transactions. At the same time, it can attract H5 and APP traffic through message postings and other forms.

[0188] Security principle: For transactions with a higher security level that require customers to enter their ID card, account number, and password for confirmation, customers will be directed to our bank's mobile client and completed on H5. When directed to H5, customer information will be transmitted to the diversion channel and login-free processing will be performed.

[0189] This solution can provide users with banking and non-financial services through 5G messages. 5G messages focus on building a development and testing platform, providing implementers with development SDK, H5 component library, testing, online deployment and implementation process support, etc., to facilitate development and implementation by implementers. Build a 5G message operation platform to support rich and convenient operation and maintenance operations. Provide a parameter configuration interface to facilitate implementers to make message templates, tail configuration instructions, message routing configuration, intelligent robot knowledge base configuration, data dashboard, transaction monitoring and other operation and maintenance services on this platform. Build a 5G message operation support platform. Prepare operator gateways, general queues, instruction containers, H5 containers, etc. for platform access. Connect to the technical middle platform to support the agile development, deployment, and launch of the head office and branches of 5G message applications. User permission application, chatbot access, configuration and maintenance of instruction routing, configuration of customer service knowledge base, and H5 publishing.

[0190] The 5G message banking platform comprehensively and three-dimensionally implements the full life cycle management process of access, development and testing, review and release, message push, and product services.

[0191] Embodiment 4

[0192] Fig. 9 Schematic diagram of the structure of the banking business processing device based on 5G message provided in the fourth embodiment of the present application. Fig. 9 As shown, the banking business processing device based on 5G messages includes:

[0193] An uplink message receiving module 910 is used to receive an uplink message sent by a terminal through the gateway cluster, and identify whether the uplink message is an encrypted message; wherein the uplink message is a 5G message;

[0194] The format conversion module 920 is used to decrypt the encrypted message through the gateway cluster and convert the uplink message into a message content in a preset format;

[0195] A message type determination module 930, configured to parse the message content in the preset format through the message cluster and determine the message type;

[0196] The transaction processing module 940 is used to determine the transaction code mapped to the message type according to a preset mapping relationship through the message cluster, and send it to the transaction cluster based on the transaction code, so that the transaction cluster performs transaction processing.

[0197] The above-mentioned product can execute the method provided in the embodiment of the present application, and has the corresponding functional modules and beneficial effects of the execution method.

[0198] Embodiment 5

[0199] Embodiment 5 of the present application further provides a storage medium comprising computer executable instructions, wherein the computer executable instructions are used to execute a banking business processing method based on 5G messages when executed by a computer processor, the method comprising:

[0200] Receiving an uplink message message sent by a terminal through the gateway cluster, and identifying whether the uplink message message is an encrypted message; wherein the uplink message message is a 5G message;

[0201] If it is an encrypted message, the gateway cluster performs decryption processing and converts the uplink message into a message content in a preset format;

[0202] Parsing the message content in the preset format through the message cluster and determining the message type;

[0203] The transaction code mapped to the message type is determined by the message cluster according to a preset mapping relationship, and is sent to the transaction cluster based on the transaction code, so that the transaction cluster performs transaction processing.

[0204] Storage media refers to any of various types of memory electronic devices or storage electronic devices. The term "storage medium" is intended to include: installation media, such as CD-ROM, floppy disk or tape device; computer system memory or random access memory, such as DRAM, DDR RAM, SRAM, EDO RAM, Rambus RAM, etc.; non-volatile memory, such as flash memory, magnetic media (such as hard disk or optical storage); registers or other similar types of memory elements, etc. The storage medium may also include other types of memory or combinations thereof. In addition, the storage medium may be located in the computer system in which the program is executed, or may be located in a different second computer system, which is connected to the computer system via a network (such as the Internet). The second computer system can provide program instructions to the computer for execution. The term "storage medium" may include two or more storage media that may reside in different unknowns (for example, in different computer systems connected via a network). The storage medium may store program instructions (for example, embodied as a computer program) that can be executed by one or more processors.

[0205] Of course, the storage medium containing computer executable instructions provided in an embodiment of the present application, whose computer executable instructions are not limited to the banking business processing operations based on 5G messages as described above, can also execute related operations in the banking business processing method based on 5G messages provided in any embodiment of the present application.

[0206] Embodiment 6

[0207] Embodiment 6 of the present application provides an electronic device, in which the 5G message-based banking business processing device provided in the embodiment of the present application can be integrated. The electronic device can be configured within the system, or it can be a device that executes part or all of the functions within the system. Fig.10 Schematic diagram of the structure of an electronic device provided in Embodiment 5 of the present application. Fig.10 As shown, this embodiment provides an electronic device 1000, which includes: one or more processors 1020; a storage device 1010, which is used to store one or more programs. When the one or more programs are executed by the one or more processors 1020, the one or more processors 1020 implement the 5G message-based banking business processing method provided in the embodiment of the present application, and the method includes:

[0208] Receiving an uplink message message sent by a terminal through the gateway cluster, and identifying whether the uplink message message is an encrypted message; wherein the uplink message message is a 5G message;

[0209] If it is an encrypted message, the gateway cluster performs decryption processing and converts the uplink message into a message content in a preset format;

[0210] Parsing the message content in the preset format through the message cluster and determining the message type;

[0211] The transaction code mapped to the message type is determined by the message cluster according to a preset mapping relationship, and is sent to the transaction cluster based on the transaction code, so that the transaction cluster performs transaction processing.

[0212] Of course, those skilled in the art will appreciate that the processor 1020 also implements the technical solution of the 5G message-based banking business processing method provided in any embodiment of the present application.

[0213] Fig.10 The electronic device 1000 shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0214] like Fig.10 As shown, the electronic device 1000 includes a processor 1020, a storage device 1010, an input device 1030, and an output device 1040; the number of processors 1020 in the electronic device can be one or more. Fig.10 A processor 1020 is taken as an example; the processor 1020, the storage device 1010, the input device 1030 and the output device 1040 in the electronic device can be connected via a bus or other means. Fig.10 The connection via bus 1050 is taken as an example.

[0215] The storage device 1010, as a computer-readable storage medium, can be used to store software programs, computer executable programs and module units, such as program instructions corresponding to the banking business processing method based on 5G messages in the embodiment of the present application.

[0216] The storage device 1010 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system and at least one application required for a function; the data storage area may store data created according to the use of the terminal, etc. In addition, the storage device 1010 may include a high-speed random access memory, and may also include a non-volatile memory, such as at least one disk storage device, a flash memory device, or other non-volatile solid-state storage device. In some instances, the storage device 1010 may further include a memory remotely arranged relative to the processor 1020, and these remote memories may be connected via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0217] The input device 1030 may be used to receive input numbers, character information or voice information, and generate key signal input related to user settings and function control of the electronic device. The output device 1040 may include electronic devices such as a display screen and a speaker.

[0218] The electronic device provided in the embodiment of the present application can provide banking and non-financial services to users through 5G messages.

[0219] The 5G message-based banking business processing device, medium, and electronic device provided in the above embodiments can execute the 5G message-based banking business processing method provided in any embodiment of the present application, and have the corresponding functional modules and beneficial effects of executing the method. For technical details not described in detail in the above embodiments, please refer to the 5G message-based banking business processing method provided in any embodiment of the present application.

[0220] Note that the above are only preferred embodiments of the present application and the technical principles used. Those skilled in the art will understand that the present application is not limited to the specific embodiments described herein, and that various obvious changes, readjustments and substitutions can be made by those skilled in the art without departing from the scope of protection of the present application. Therefore, although the present application is described in more detail through the above embodiments, the present application is not limited to the above embodiments, and may include more other equivalent embodiments without departing from the concept of the present application, and the scope of the present application is determined by the scope of the appended claims.

Claims

1. A banking business processing method based on 5G messages, characterized in that: The method is performed by a 5G message banking system, the 5G message banking system includes a gateway cluster, a message cluster and a transaction cluster, and the method includes: Receiving an uplink message message sent by a terminal through the gateway cluster, and identifying whether the uplink message message is an encrypted message; wherein the uplink message message is a 5G message; If it is an encrypted message, the gateway cluster performs decryption processing and converts the uplink message into a message content in a preset format; Parsing the message content in the preset format through the message cluster and determining the message type; Determining the transaction code mapped to the message type according to a preset mapping relationship through the message cluster, and sending it to the transaction cluster based on the transaction code, so that the transaction cluster performs transaction processing; The message content in the preset format is the message content in XML format; Accordingly, the message content in the preset format is parsed through the message cluster, and the message type is determined, including: Parsing the message content in the XML format into a Map structure through a message cluster, and determining the message type; wherein the message type includes at least one of text, picture, audio and video, geographic location, and rich media card; The determining the transaction code mapped to the message type according to a preset mapping relationship through the message cluster, and sending it to the transaction cluster based on the transaction code for the transaction cluster to perform transaction processing, includes: Determine whether the message type contains a transaction code according to a preset mapping relationship through a message cluster; If it is a non-transaction code, the parsing result of the message content is sent to the intelligent customer service robot through the transaction cluster; If it is a transaction code, the target transaction request is determined according to the transaction code through the message cluster, and the target transaction request is sent to the transaction cluster for processing by the transaction cluster.

2. The method according to claim 1, characterized in that After converting the uplink message into a message content in a preset format, the method further includes: Send response information of uplink message to the operator.

3. The method according to claim 1, characterized in that: Provide transaction processing for the transaction cluster, including: The transaction cluster generates transaction information according to the target transaction request; The transaction information is sent to the backend service platform for the backend service platform to process according to the transaction information to obtain transaction return data.

4. The method according to claim 1, characterized in that: After providing the transaction cluster with the transaction processing, the method further includes: Acquire transaction return data through the transaction cluster; and input the transaction return data into a message queue through the message cluster; Extracting transaction return data from the message queue through the message cluster, and assembling the return message according to the message template configuration information; The assembled return message is formatted according to a preset operator message format by the gateway cluster and sent to the terminal.

5. The method according to claim 4, characterized in that The transaction return data is extracted from the message queue through the message cluster, and the return message is assembled according to the message template configuration information, including: Start a message processing thread through the message cluster and extract transaction return data from the message queue; Determining template configuration information according to the message type of the target transaction request corresponding to the transaction return data; Determine whether the template configuration information is a text type template; If so, the transaction return data is assembled into a text type return message.

6. The method according to claim 5, characterized in that After determining whether the template configuration information is a text-type template, the method further includes: If not, obtaining the dynamic configuration information of the template and determining whether the template is a dynamic picture template; If it is a dynamic picture template, assemble the transaction return data into a dynamic picture class return message; If it is a static picture template, the transaction return data is assembled into a static picture class return message.

7. The method according to claim 5, characterized in that The message queue is also used to: Initialize the message queue and determine the ID of the intelligent customer service robot associated with the message in the message queue; Configure at least two message queues for each intelligent customer service robot ID, and determine the priorities of the at least two configured message queues; The processing order of the transaction return data is determined according to the intelligent customer service robot ID and the priority of the message queue.

8. The method according to claim 5, characterized in that The transaction return data is obtained through the transaction cluster, including: If the transaction return data is customer service response data returned by the intelligent customer service robot, the customer service response data is sent to the message cluster in the form of a message; If the transaction return data is returned by the backend service platform, determining the response code of the transaction return data; Determine whether the terminal has activated the 5G message message according to the response code; If it has been activated, the return message is assembled into the 5G message format and sent to the message cluster.

9. The method according to claim 8, characterized in that After determining whether the terminal has opened a 5G message according to the response code, the method further includes: If not enabled, the return message is sent to the message cluster; If the response code indicates that the terminal is an unsubscribed terminal, the return message is assembled into an unsubscribed message and sent to the message cluster.

10. The method according to claim 1, characterized in that After acquiring the transaction return data through the transaction cluster, the method further includes: Acquire the tail configuration information of the returned message through the transaction cluster; wherein the tail configuration information is determined according to the portrait of the terminal login user; Correspondingly, the transaction return data is extracted from the message queue through the message cluster, and the return message is assembled according to the message template configuration information, including: The transaction return data and the tail configuration information are extracted from the message queue through the message cluster, and the return message is assembled according to the message template configuration information; wherein the encapsulated return message includes the tail configuration information.

11. A banking business processing device based on 5G messages, characterized in that: The device is configured in a 5G message banking system, the 5G message banking system includes a gateway cluster, a message cluster and a transaction cluster, and the device includes: An uplink message receiving module, used to receive an uplink message sent by a terminal through the gateway cluster, and identify whether the uplink message is an encrypted message; wherein the uplink message is a 5G message; A format conversion module, used for decrypting the encrypted message through the gateway cluster and converting the uplink message into a message content in a preset format; A message type determination module, used to parse the message content in the preset format through the message cluster and determine the message type; the message content in the preset format is the message content in XML format; A transaction processing module, configured to determine the transaction code mapped to the message type according to a preset mapping relationship through the message cluster, and send the transaction code to the transaction cluster based on the transaction code, so that the transaction cluster performs transaction processing; The message type determination module is specifically used to parse the message content in the XML format into a Map structure through a message cluster, and determine the message type; wherein the message type includes at least one of text, picture, audio and video, geographic location, and rich media card; The transaction processing module is specifically used to determine whether the message type contains a transaction code according to a preset mapping relationship through a message cluster; If it is a non-transaction code, the parsing result of the message content is sent to the intelligent customer service robot through the transaction cluster; If it is a transaction code, the target transaction request is determined according to the transaction code through the message cluster, and the target transaction request is sent to the transaction cluster for processing by the transaction cluster.

12. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, it implements the 5G message-based banking business processing method as described in any one of claims 1-10.

13. An electronic device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, it implements the 5G message-based banking business processing method as described in any one of claims 1-10.

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