A blockchain-based 5G message online account opening verification method and system

Abstract

The present invention proposes a blockchain-based 5G message online account opening verification method and system, which relates to the field of blockchain and mobile Internet technology. The method includes: obtaining an account opening request initiated by a user; querying the public bill corresponding to the user in the blockchain; caching the user's personal information reserved when the user opened an account in history according to the public bill; integrating the list of banks to be opened, user personal information and identity authentication information, and sending them to the user terminal in the form of a 5G message; verifying the user's identity; after the identity authentication is passed, generating a bank account opening request, writing the bank account opening request into the user's public bill in the blockchain, and sending the bank account opening request to the bank's corresponding account opening interface; wherein, after the bank completes the account opening process, the account opening result and the status after the account opening are updated to the public bill corresponding to the user in the blockchain; obtaining the bank card number of the newly opened account in the blockchain public bill, and feeding it back to the user terminal for display.

Description

Technical Field

[0001] The present invention relates to the field of blockchain and mobile internet technology, and in particular to a blockchain-based 5G message online account opening verification method and system. Background Art

[0002] With the booming development of Internet finance, bank card account opening has gradually evolved from offline to online. However, at this stage, the transfer business process of various mobile banks is complicated and prone to errors. Due to the multi-step verification, the verification process is easy to be tampered with. In addition, during the account opening process, the account holder needs to provide the front and back of the ID card photo, identity recognition (face recognition, lip recognition), and complex other bank card verification, mobile phone SMS verification code and other processes, which are cumbersome. In addition, for the opening of other bank cards, since different banks have different user systems, there may be problems such as user authentication and illegal malicious account opening. If based on traditional http and https message transmission, the transmission process is at risk of being tampered with.

[0003] In summary, there is an urgent need for a technical solution that can overcome the above-mentioned defects and enable users to conveniently and quickly perform online account opening verification while ensuring the security of user information. Summary of the invention

[0004] To solve the above problems, the present invention proposes an online account opening verification method and system based on 5G messages of blockchain. When a user needs to open an account online, he sends an opening SMS to the 5G message center. After receiving the SMS, the 5G message center goes to the blockchain public bill to query the user information corresponding to the mobile phone number and the current account opening status of the user in each bank, and randomly generates 4 digits according to the 5G message generation rules, and sends the 4 digits and the bank list number to the user. After receiving the account opening verification message, the user performs lip recognition (reading the 4 digits) video, and selects the bank number for pre-opening according to the received bank list. After completion, the video stream and bank number are sent to the 5G message center. After verification, the 5G message center opens the account, and the transaction process is written into the blockchain to prevent denial. Through the 5G message characteristics, the present invention does not need to upload a photo of the ID card or a cumbersome verification process, and only needs to send a 5G SMS to complete the online account opening.

[0005] In a first aspect of an embodiment of the present invention, a method for online account opening verification based on a 5G message of a blockchain is proposed, the method comprising:

[0006] Get the account opening request initiated by the user;

[0007] According to the account opening request, query the public account corresponding to the user in the blockchain;

[0008] According to the public bill, cache the user's personal information reserved when the user opened an account in the past;

[0009] Generate a list of banks to be opened and identity verification information, integrate the list of banks to be opened, user personal information and identity verification information, and send them to the user terminal in the form of a 5G message; wherein the user records an identity verification video according to the identity verification information, selects a bank to be opened in the list of banks to be opened and confirms the user's personal information, which is then integrated and fed back to the 5G message verification module in the form of a 5G message;

[0010] The 5G verification module verifies the user's identity based on the identity verification video, user personal information and identity verification information;

[0011] After identity authentication is passed, a bank account opening request is generated based on the bank selected by the user to open an account and the user's personal information confirmed by the user, the bank account opening request is written into the user's public account in the blockchain, and the bank account opening request is sent to the bank's corresponding account opening interface; wherein, after the bank completes the account opening process, the account opening result and the status after the account opening are updated to the public account corresponding to the user in the blockchain;

[0012] Obtain the bank card number of the newly opened account from the blockchain public bill and feed it back to the user terminal for display.

[0013] Furthermore, the account opening request initiated by the user is obtained, including:

[0014] Obtain the account opening SMS edited by the user, and initiate an account opening request based on the account opening SMS.

[0015] Further, according to the account opening request, querying the public bill corresponding to the user in the blockchain includes:

[0016] According to the account opening request, the public bill corresponding to the mobile phone number in the blockchain is queried; wherein the public bill stores the user's account opening status in various banks and the user's personal information filled in when opening the account.

[0017] Furthermore, identity verification information is generated, including:

[0018] A 4-digit number is randomly generated as authentication information.

[0019] Furthermore, the user's personal information includes at least ID card photo, name, gender, ID card number and address.

[0020] Furthermore, the user records an identity verification video according to the identity verification information, selects a bank to be opened in the list of banks to be opened, and confirms the user's personal information, which is integrated and fed back to the 5G message verification module in the form of a 5G message, including:

[0021] Based on the identity authentication information, the user records a lip-reading video of a four-digit number, selects the bank to be opened from the list of banks to be opened, and confirms the user's personal information including name, gender, ID number and address. If there is any change in the information, the user shall modify the user's personal information, integrate the lip-reading video, the bank to be opened and the user's personal information, and then feed it back to the 5G message verification module in the form of a 5G message.

[0022] Furthermore, the 5G verification module verifies the user's identity based on the identity verification video, user personal information and identity verification information, including:

[0023] Based on the lip reading video, the lip shape image of the user when reading the verification code is extracted, the lip reading is detected in the lip shape image, and the lip reading is compared with the 4-digit number in the identity verification information to see if they are consistent. If they are consistent, the user identity authentication is passed; if they are inconsistent, the authentication failure information is fed back to the user terminal, prompting the user to re-authenticate.

[0024] Furthermore, the 5G verification module verifies the user's identity based on the identity verification video, user personal information and identity verification information, including:

[0025] The facial image is extracted from the identity authentication video and compared with the facial image in the ID card photo. If the feature similarity of the facial image reaches the preset value, the user identity authentication is passed; if it does not reach the preset value, the authentication failure information is fed back to the user terminal, prompting the user to re-authenticate.

[0026] In a second aspect of an embodiment of the present invention, a blockchain-based 5G message online account opening verification system is proposed, the system comprising:

[0027] An account opening request acquisition module is used to acquire an account opening request initiated by a user;

[0028] A blockchain information query module, used to query the public bill corresponding to the user in the blockchain according to the account opening request;

[0029] A data cache module, used to cache the user's personal information reserved when the user opened an account in the past according to the public bill;

[0030] A 5G message generation module is used to generate a list of banks to be opened and identity verification information, integrate the list of banks to be opened, user personal information and identity verification information, and send them to the user terminal in the form of a 5G message; wherein the user records an identity verification video according to the identity verification information, selects a bank to be opened in the list of banks to be opened and confirms the user's personal information, which is then integrated and fed back to the 5G message verification module in the form of a 5G message;

[0031] 5G message verification module, used to verify the user's identity based on the identity verification video, user personal information and identity verification information;

[0032] A bank account opening request generation module is used to generate a bank account opening request based on the bank selected by the user to open an account and the user's personal information confirmed by the user after identity authentication is passed, write the bank account opening request into the user's public account in the blockchain, and send the bank account opening request to the bank's corresponding account opening interface; wherein, after the bank completes the account opening process, the account opening result and the status after the account opening are updated to the public account corresponding to the user in the blockchain;

[0033] The result feedback module is used to obtain the bank card number of the newly opened account in the blockchain public bill and feed it back to the user terminal for display.

[0034] Furthermore, the account opening request acquisition module is specifically used for:

[0035] Obtain the account opening SMS edited by the user, and initiate an account opening request based on the account opening SMS.

[0036] Furthermore, the blockchain information query module is specifically used to:

[0037] According to the account opening request, the public bill corresponding to the mobile phone number in the blockchain is queried; wherein the public bill stores the user's account opening status in various banks and the user's personal information filled in when opening the account.

[0038] Furthermore, the 5G message generation module is specifically used for:

[0039] A 4-digit number is randomly generated as authentication information.

[0040] Furthermore, the user records an identity verification video according to the identity verification information, including:

[0041] The user records a lip reading video of a 4-digit number based on the identity verification information.

[0042] Furthermore, the user's personal information includes at least a photo of their ID card.

[0043] Furthermore, the 5G message verification module is specifically used to:

[0044] Based on the lip reading video, the lip shape image of the user when reading the verification code is extracted, the lip reading is detected in the lip shape image, and the lip reading is compared with the 4-digit number in the identity verification information to see if they are consistent. If they are consistent, the user identity authentication is passed; if they are inconsistent, the authentication failure information is fed back to the user terminal, prompting the user to re-authenticate.

[0045] Furthermore, the 5G message verification module is specifically used to:

[0046] The facial image is extracted from the identity authentication video and compared with the facial image in the ID card photo. If the feature similarity of the facial image reaches the preset value, the user identity authentication is passed; if it does not reach the preset value, the authentication failure information is fed back to the user terminal, prompting the user to re-authenticate.

[0047] In a third aspect of an embodiment of the present invention, a computer device is proposed, 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, an online account opening verification method for 5G messages based on blockchain is implemented.

[0048] In a fourth aspect of an embodiment of the present invention, a computer-readable storage medium is proposed, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, an online account opening verification method for 5G messages based on blockchain is implemented.

[0049] The 5G message-based online account opening verification method and system proposed in the present invention obtains an account opening request initiated by a user; according to the account opening request, queries the public bill corresponding to the user in the blockchain; according to the public bill, caches the user's personal information reserved when the user opened an account in the past; generates a list of banks to be opened and identity verification information, integrates the list of banks to be opened, the user's personal information and the identity verification information, and sends them to the user terminal in the form of a 5G message; wherein the user records an identity verification video according to the identity verification information, selects a bank to be opened in the list of banks to be opened and confirms the user's personal information, which is integrated and fed back to the 5G message verification module in the form of a 5G message; the 5G verification module verifies the user's identity according to the identity verification video, the user's personal information and the identity verification information; after the identity verification is passed, the user selects the user's personal information and the user's personal information. The bank to be opened and the user's personal information confirmed by the user generate a bank account opening request, write the bank account opening request into the user's public bill in the blockchain, and send the bank account opening request to the bank's corresponding account opening interface; wherein, after the bank completes the account opening process, the account opening result and the status after the account opening are updated to the public bill corresponding to the user in the blockchain; the bank card number of the newly opened account is obtained in the blockchain public bill, and fed back to the user terminal for display. During the implementation of the present invention, the user does not need to provide an ID card, a SMS verification code, or personal information, thereby avoiding information leakage. The user only needs to perform lip reading recognition and determine the opening bank to complete the account opening. The operation is simple, and the verification records and transaction records are added to the chain, thereby preventing the unpredictable repudiation risks that may be brought about by the emerging message verification method of 5G, and can enable users to quickly and conveniently complete online account opening verification while ensuring the security of user information. BRIEF DESCRIPTION OF THE DRAWINGS

[0050] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0051] Figure 1 It is a flowchart of an online account opening verification method based on 5G messages in blockchain according to an embodiment of the present invention.

[0052] Figure 2 This is a schematic diagram of the architectural relationship of online account opening verification based on 5G messages in blockchain according to a specific embodiment of the present invention.

[0053] Figure 3 It is a flowchart of an online account opening verification method based on 5G messages in blockchain according to a specific embodiment of the present invention.

[0054] Figure 4 This is a schematic diagram of the architecture of an online account opening verification system based on 5G blockchain messages according to an embodiment of the present invention.

[0055] Figure 5 It is a schematic diagram of the structure of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0056] The principles and spirit of the present invention will be described below with reference to several exemplary embodiments. It should be understood that these embodiments are provided only to enable those skilled in the art to better understand and implement the present invention, and are not intended to limit the scope of the present invention in any way. On the contrary, these embodiments are provided to make the present disclosure more thorough and complete, and to fully convey the scope of the present disclosure to those skilled in the art.

[0057] Those skilled in the art will appreciate that the embodiments of the present invention may be implemented as a system, device, apparatus, method or computer program product. Therefore, the present disclosure may be specifically implemented in the following forms, namely: complete hardware, complete software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0058] According to an implementation manner of the present invention, a method and system for online account opening verification based on 5G messages of blockchain are proposed, which relate to the fields of blockchain and mobile Internet technology.

[0059] The principle and spirit of the present invention are explained in detail below with reference to several representative embodiments of the present invention.

[0060] Figure 1 It is a flowchart of an online account opening verification method based on 5G messages in blockchain according to an embodiment of the present invention.

[0061] like Figure 1 As shown, the method includes:

[0062] Step S101, obtaining an account opening request initiated by a user;

[0063] Step S102, according to the account opening request, query the public bill corresponding to the user in the blockchain;

[0064] Step S103, caching the user personal information reserved when the user opened an account in the past according to the public bill;

[0065] Step S104, generating a list of banks to be opened and identity verification information, integrating the list of banks to be opened, user personal information and identity verification information, and sending them to the user terminal in the form of a 5G message; wherein the user records an identity verification video according to the identity verification information, selects a bank to be opened in the list of banks to be opened and confirms the user personal information, which is then integrated and fed back to the 5G message verification module in the form of a 5G message;

[0066] Step S105, the 5G verification module verifies the user identity based on the identity verification video, user personal information and identity verification information;

[0067] Step S106, after identity authentication is passed, a bank account opening request is generated according to the bank selected by the user to open an account and the user personal information confirmed by the user, the bank account opening request is written into the user's public account in the blockchain, and the bank account opening request is sent to the bank's corresponding account opening interface; wherein, after the bank completes the account opening process, the account opening result and the status after the account opening are updated to the public account corresponding to the user in the blockchain;

[0068] Step S107, obtain the bank card number of the newly opened account in the blockchain public bill and feed it back to the user terminal for display.

[0069] In one embodiment, the specific process of step S101 is:

[0070] Obtain the account opening SMS edited by the user, and initiate an account opening request based on the account opening SMS.

[0071] In one embodiment, the specific process of step S102 is:

[0072] According to the account opening request, the public bill corresponding to the mobile phone number in the blockchain is queried; wherein the public bill stores the user's account opening status in various banks and the user's personal information filled in when opening the account.

[0073] In one embodiment, in step S104, the specific process of generating identity authentication information is as follows:

[0074] A 4-digit number is randomly generated as authentication information.

[0075] In one embodiment, the user's personal information includes at least an ID card photo, name, gender, ID card number and address.

[0076] In step S104, the user records an identity verification video according to the identity verification information, selects a bank to be opened in the list of banks to be opened, and confirms the user's personal information, which is integrated and fed back to the 5G message verification module in the form of a 5G message, including:

[0077] Based on the identity authentication information, the user records a lip-reading video of a four-digit number, selects the bank to be opened from the list of banks to be opened, and confirms the user's personal information including name, gender, ID number and address. If there is any change in the information, the user shall modify the user's personal information, integrate the lip-reading video, the bank to be opened and the user's personal information, and then feed it back to the 5G message verification module in the form of a 5G message.

[0078] Correspondingly, the specific process of step S105 is:

[0079] Based on the lip reading video, the lip shape image of the user when reading the verification code is extracted, the lip reading is detected in the lip shape image, and the lip reading is compared with the 4-digit number in the identity verification information to see if they are consistent. If they are consistent, the user identity authentication is passed; if they are inconsistent, the authentication failure information is fed back to the user terminal, prompting the user to re-authenticate.

[0080] Correspondingly, step S105 also includes:

[0081] The facial image is extracted from the identity authentication video and compared with the facial image in the ID card photo. If the feature similarity of the facial image reaches the preset value, the user identity authentication is passed; if it does not reach the preset value, the authentication failure information is fed back to the user terminal, prompting the user to re-authenticate.

[0082] In order to explain the above-mentioned blockchain-based 5G message online account opening verification method more clearly, a specific embodiment is used for illustration below.

[0083] Figure 2 This is a schematic diagram of the architectural relationship of online account opening verification based on 5G messages in blockchain according to a specific embodiment of the present invention.

[0084] like Figure 2 As shown, the 5G message center includes: an account opening message receiving module, a user information caching module, a 5G message generating module and a 5G message verifying module; wherein,

[0085] Account opening request receiving module: 1. Receive account opening information; 2. Query the user's account opening status in various banks.

[0086] Result feedback module: feedback account opening results

[0087] User information cache module: download and cache user ID card photos.

[0088] 5G message generation module: 1. Generate verification message according to the rules; 2. Send the verification message and bank list to the card opening user.

[0089] 5G message verification module: 1. Verify the video stream in the 5G message; 2. Forward the account opening request to the bank; 3. Verify the record into the blockchain.

[0090] refer to Figure 3 , the specific process is:

[0091] Step S31, a user of Bank B wants to open an account at Bank A and sends a text message "1" to the account opening request receiving module of the 5G message center. For example, the SMS platform number of the 5G message center is 7654321, so the user can edit the text message "1" to 7654321.

[0092] Step S32, after the 5G message center account opening request receiving module receives the user's request, it queries the public bill corresponding to the user's mobile phone number in the blockchain (which stores the user's account opening status in various banks and the user's personal information filled in when opening the account), queries the account opening status of each bank, and finds that the user has a bank card in Bank B.

[0093] Step S33: Download and cache the user information and ID card photo of the user in Bank B to the user information cache module of the 5G message center.

[0094] Step S34, the user information cache module of the 5G message center sends the user's mobile phone number and the list of each bank to the 5G message generation module.

[0095] Step S35, after receiving the message, the 5G message generation module generates a 4-digit verification message, and together with the bank list (Bank A is numbered 13), generates a 5G verification message and sends it to the user.

[0096] Step S36: After receiving the message, the user performs lip reading recognition and enters the bank number 13 where he wants to open an account, and sends it to the 5G message verification module.

[0097] Step S37, after the 5G message verification module receives the message, the user information cache module requests the ID card photo previously cached by the user.

[0098] Step S38, the user information cache module returns the user ID card photo to the 5G message verification module. After verification with the lip reading recognition video and the 4-digit number, it is confirmed that they are the same person.

[0099] In step S39, the 5G message verification module sends the user's bank account opening request and personal information to the user's public bill in the blockchain, and submits a bank account opening request to Bank A.

[0100] Step S40: The account opening interface of Bank A obtains the bank account opening request and performs account opening processing.

[0101] Step S41, after the account opening process is completed, the account opening result and the status after account opening are updated to the blockchain public account.

[0102] Step S42: the result feedback module obtains the user's card number at Bank A from the blockchain public bill.

[0103] Step S43: the result feedback module sends the activated card number to the user to complete the account opening.

[0104] The key points of the online account opening verification method based on 5G messages of blockchain proposed in the present invention are:

[0105] 1. Through ( Figure 1 Steps S104 and S105, ( Figure 3 (middle) Steps S36, S37, and S38 verify the authenticity of the payee and verify through 5G messages whether the account is opened by the user himself, thereby avoiding malicious account opening by impersonation.

[0106] 2. Both verification records and transaction records are entered into the chain.

[0107] 3. Use 5G messages to encapsulate verification information.

[0108] Compared with the existing technology, it has at least the following advantages:

[0109] 1. During the account opening process, users do not need to provide an ID card, SMS verification code, or personal information, thus avoiding information leakage.

[0110] 2. Users only need to perform lip reading recognition and click "OK" to complete the account opening. The operation is simple and friendly to people such as the elderly who are not proficient in the use of smart terminals.

[0111] 3. Verification records and transaction records are added to the chain to prevent the unpredictable risk of repudiation that may be caused by the emerging message verification method of 5G.

[0112] It should be noted that, although the operations of the method of the present invention are described in a specific order in the above embodiments and the accompanying drawings, this does not require or imply that the operations must be performed in the specific order, or that all the operations shown must be performed to achieve the desired results. Additionally or alternatively, some steps may be omitted, multiple steps may be combined into one step, and / or one step may be decomposed into multiple steps.

[0113] After introducing the method of the exemplary embodiment of the present invention, next, refer to Figure 4 An online account opening verification system for 5G messages based on blockchain according to an exemplary embodiment of the present invention is introduced.

[0114] The implementation of the online account opening verification system for 5G messages based on blockchain can refer to the implementation of the above method, and the repetitions will not be repeated. The terms "module" or "unit" used below can be a combination of software and / or hardware that implements a predetermined function. Although the device described in the following embodiments is preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceived.

[0115] Based on the same inventive concept, the present invention also proposes an online account opening verification system based on 5G messages of blockchain, such as Figure 4 As shown, the system includes:

[0116] An account opening request acquisition module 410 is used to acquire an account opening request initiated by a user;

[0117] The blockchain information query module 420 is used to query the public bill corresponding to the user in the blockchain according to the account opening request;

[0118] The data cache module 430 is used to cache the user personal information reserved when the user opened an account in the past according to the public bill;

[0119] The 5G message generation module 440 is used to generate a list of banks to be opened and identity verification information, integrate the list of banks to be opened, user personal information and identity verification information, and send them to the user terminal in the form of a 5G message; wherein the user records an identity verification video according to the identity verification information, selects a bank to be opened in the list of banks to be opened and confirms the user personal information, which is integrated and fed back to the 5G message verification module 450 in the form of a 5G message;

[0120] The 5G message verification module 450 is used to verify the user identity based on the identity verification video, user personal information and identity verification information;

[0121] The bank account opening request generation module 460 is used to generate a bank account opening request according to the bank selected by the user to open an account and the user personal information confirmed by the user after the identity verification is passed, write the bank account opening request into the user's public account in the blockchain, and send the bank account opening request to the corresponding account opening interface of the bank; wherein, after the bank completes the account opening process, the account opening result and the status after the account opening are updated to the public account corresponding to the user in the blockchain;

[0122] The result feedback module 470 is used to obtain the bank card number of the newly opened account in the blockchain public bill and feed it back to the user terminal for display.

[0123] In one embodiment, the account opening request acquisition module 410 is specifically used to:

[0124] Obtain the account opening SMS edited by the user, and initiate an account opening request based on the account opening SMS.

[0125] In one embodiment, the blockchain information query module 420 is specifically used to:

[0126] According to the account opening request, the public bill corresponding to the mobile phone number in the blockchain is queried; wherein the public bill stores the user's account opening status in various banks and the user's personal information filled in when opening the account.

[0127] In one embodiment, the 5G message generation module 440 is specifically used to:

[0128] A 4-digit number is randomly generated as authentication information.

[0129] In one embodiment, the user's personal information includes at least an ID card photo, name, gender, ID card number and address.

[0130] Furthermore, the user records an identity verification video according to the identity verification information, selects a bank to be opened in the list of banks to be opened, and confirms the user's personal information, which is integrated and fed back to the 5G message verification module in the form of a 5G message, including:

[0131] The user records a lip reading video of a 4-digit number based on the identity verification information, selects the bank to be opened from the list of banks to be opened, and confirms the user's personal information including name, gender, ID number and address. If there is any change in the information, the user shall modify the user's personal information, and the lip reading video, the bank to be opened and the user's personal information shall be integrated and fed back to the 5G message verification module 450 in the form of a 5G message.

[0132] Accordingly, the 5G message verification module 450 is specifically used for:

[0133] Based on the lip reading video, the lip shape image of the user when reading the verification code is extracted, the lip reading is detected in the lip shape image, and the lip reading is compared with the 4-digit number in the identity verification information to see if they are consistent. If they are consistent, the user identity authentication is passed; if they are inconsistent, the authentication failure information is fed back to the user terminal, prompting the user to re-authenticate.

[0134] Further, the 5G message verification module 450 is specifically used for:

[0135] The facial image is extracted from the identity authentication video and compared with the facial image in the ID card photo. If the feature similarity of the facial image reaches the preset value, the user identity authentication is passed; if it does not reach the preset value, the authentication failure information is fed back to the user terminal, prompting the user to re-authenticate.

[0136] It should be noted that although several modules of the online account opening verification system for 5G messages based on blockchain are mentioned in the above detailed description, this division is only exemplary and not mandatory. In fact, according to an embodiment of the present invention, the features and functions of two or more modules described above can be concretized in one module. Conversely, the features and functions of one module described above can be further divided into multiple modules for concretization.

[0137] Based on the above invention concept, Figure 5 As shown, the present invention also proposes a computer device 500, including a memory 510, a processor 520, and a computer program 530 stored in the memory 510 and executable on the processor 520, wherein the processor 520 implements the aforementioned blockchain-based 5G message online account opening verification method when executing the computer program 530.

[0138] Based on the aforementioned inventive concept, the present invention proposes a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it implements the aforementioned blockchain-based 5G message online account opening verification method.

[0139] The 5G message-based online account opening verification method and system proposed in the present invention obtains an account opening request initiated by a user; according to the account opening request, queries the public bill corresponding to the user in the blockchain; according to the public bill, caches the user's personal information reserved when the user opened an account in the past; generates a list of banks to be opened and identity verification information, integrates the list of banks to be opened, the user's personal information and the identity verification information, and sends them to the user terminal in the form of a 5G message; wherein the user records an identity verification video according to the identity verification information, selects a bank to be opened in the list of banks to be opened and confirms the user's personal information, which is integrated and fed back to the 5G message verification module in the form of a 5G message; the 5G verification module verifies the user's identity according to the identity verification video, the user's personal information and the identity verification information; after the identity verification is passed, the user selects the user's personal information and the user's personal information. The bank to be opened and the user's personal information confirmed by the user generate a bank account opening request, write the bank account opening request into the user's public bill in the blockchain, and send the bank account opening request to the bank's corresponding account opening interface; wherein, after the bank completes the account opening process, the account opening result and the status after the account opening are updated to the public bill corresponding to the user in the blockchain; the bank card number of the newly opened account is obtained in the blockchain public bill, and fed back to the user terminal for display. During the implementation of the present invention, the user does not need to provide an ID card, a SMS verification code, or personal information, thereby avoiding information leakage. The user only needs to perform lip reading recognition and determine the opening bank to complete the account opening. The operation is simple, and the verification records and transaction records are added to the chain, thereby preventing the unpredictable repudiation risks that may be brought about by the emerging message verification method of 5G, and can enable users to quickly and conveniently complete online account opening verification while ensuring the security of user information.

[0140] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0141] The present invention is described with reference to flowcharts and / or block diagrams of methods and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0142] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0143] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0144] Finally, it should be noted that the above-described embodiments are only specific implementations of the present invention, which are used to illustrate the technical solutions of the present invention, rather than to limit them. The protection scope of the present invention is not limited thereto. Although the present invention is described in detail with reference to the above-described embodiments, ordinary technicians in the field should understand that any technician familiar with the technical field can still modify the technical solutions recorded in the above-described embodiments within the technical scope disclosed by the present invention, or can easily think of changes, or make equivalent replacements for some of the technical features therein; and these modifications, changes or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the embodiments of the present invention, and should be included in the protection scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims

1. A blockchain-based 5G message online account opening verification method, characterized in that: The method includes: Get the account opening request initiated by the user; According to the account opening request, query the public account corresponding to the user in the blockchain; According to the public bill, cache the user's personal information reserved when the user opened an account in the past; Generate a list of banks to be opened and identity verification information, integrate the list of banks to be opened, user personal information and identity verification information, and send them to the user terminal in the form of a 5G message; wherein the user records an identity verification video according to the identity verification information, selects a bank to be opened in the list of banks to be opened and confirms the user's personal information, which is then integrated and fed back to the 5G message verification module in the form of a 5G message; The 5G verification module verifies the user's identity based on the identity verification video, user personal information and identity verification information; After identity authentication is passed, a bank account opening request is generated based on the bank selected by the user to open an account and the user's personal information confirmed by the user, the bank account opening request is written into the user's public account in the blockchain, and the bank account opening request is sent to the bank's corresponding account opening interface; wherein, after the bank completes the account opening process, the account opening result and the status after the account opening are updated to the public account corresponding to the user in the blockchain; Obtain the bank card number of the newly opened account from the blockchain public bill and feed it back to the user terminal for display; The 5G verification module verifies the user's identity based on the identity verification video, user personal information and identity verification information, including: According to the lip reading video, the lip shape image of the user when reading the verification code is extracted, the lip reading is detected in the lip shape image, and the lip reading is compared with the 4-digit number in the identity verification information to see if they are consistent. If they are consistent, the user identity authentication is passed; if they are inconsistent, the authentication failure information is fed back to the user terminal, prompting the user to re-authenticate; The facial image is extracted from the identity authentication video and compared with the facial image in the ID card photo. If the feature similarity of the facial image reaches the preset value, the user identity authentication is passed; if it does not reach the preset value, the authentication failure information is fed back to the user terminal, prompting the user to re-authenticate.

2. The online account opening verification method based on 5G messages of blockchain according to claim 1 is characterized in that: Get the account opening request initiated by the user, including: Obtain the account opening SMS edited by the user, and initiate an account opening request based on the account opening SMS.

3. The online account opening verification method based on 5G messages of blockchain according to claim 1 is characterized in that: According to the account opening request, query the public account corresponding to the user in the blockchain, including: According to the account opening request, the public bill corresponding to the mobile phone number in the blockchain is queried; wherein the public bill stores the user's account opening status in various banks and the user's personal information filled in when opening the account.

4. The online account opening verification method based on 5G messages of blockchain according to claim 1 is characterized in that: Generate authentication information, including: A 4-digit number is randomly generated as authentication information.

5. The online account opening verification method based on 5G messages of blockchain according to claim 4 is characterized in that: The user's personal information includes at least ID card photo, name, gender, ID card number and address.

6. The online account opening verification method based on 5G messages of blockchain according to claim 5 is characterized in that: The user records an identity verification video based on the identity verification information, selects the bank to be opened in the list of banks to be opened, and confirms the user's personal information, which is integrated and fed back to the 5G message verification module in the form of a 5G message, including: Based on the identity authentication information, the user records a lip-reading video of a four-digit number, selects the bank to be opened from the list of banks to be opened, and confirms the user's personal information including name, gender, ID number and address. If there is any change in the information, the user shall modify the user's personal information, integrate the lip-reading video, the bank to be opened and the user's personal information, and then feed it back to the 5G message verification module in the form of a 5G message.

7. A blockchain-based 5G message online account opening verification system, characterized in that: The system includes: An account opening request acquisition module is used to acquire an account opening request initiated by a user; A blockchain information query module, used to query the public bill corresponding to the user in the blockchain according to the account opening request; A data cache module, used to cache the user's personal information reserved when the user opened an account in the past according to the public bill; A 5G message generation module is used to generate a list of banks to be opened and identity verification information, integrate the list of banks to be opened, user personal information and identity verification information, and send them to the user terminal in the form of a 5G message; wherein the user records an identity verification video according to the identity verification information, selects a bank to be opened in the list of banks to be opened and confirms the user's personal information, which is then integrated and fed back to the 5G message verification module in the form of a 5G message; 5G message verification module, used to verify the user's identity based on the identity verification video, user personal information and identity verification information; A bank account opening request generation module is used to generate a bank account opening request based on the bank selected by the user to open an account and the user's personal information confirmed by the user after identity authentication is passed, write the bank account opening request into the user's public account in the blockchain, and send the bank account opening request to the bank's corresponding account opening interface; wherein, after the bank completes the account opening process, the account opening result and the status after the account opening are updated to the public account corresponding to the user in the blockchain; The result feedback module is used to obtain the bank card number of the newly opened account in the blockchain public bill and feed it back to the user terminal for display; Wherein, the 5G message verification module is specifically used for: According to the lip reading video, the lip shape image of the user when reading the verification code is extracted, the lip reading is detected in the lip shape image, and the lip reading is compared with the 4-digit number in the identity verification information to see if they are consistent. If they are consistent, the user identity authentication is passed; if they are inconsistent, the authentication failure information is fed back to the user terminal, prompting the user to re-authenticate; The facial image is extracted from the identity authentication video and compared with the facial image in the ID card photo. If the feature similarity of the facial image reaches the preset value, the user identity authentication is passed; if it does not reach the preset value, the authentication failure information is fed back to the user terminal, prompting the user to re-authenticate.

8. The online account opening verification system based on 5G messages of blockchain according to claim 7 is characterized in that: The account opening request acquisition module is specifically used for: Obtain the account opening SMS edited by the user, and initiate an account opening request based on the account opening SMS.

9. The online account opening verification system based on 5G messages of blockchain according to claim 7 is characterized in that: The blockchain information query module is specifically used for: According to the account opening request, the public bill corresponding to the mobile phone number in the blockchain is queried; wherein the public bill stores the user's account opening status in various banks and the user's personal information filled in when opening the account.

10. The online account opening verification system based on 5G messages of blockchain according to claim 7 is characterized in that: The 5G message generation module is specifically used for: A 4-digit number is randomly generated as authentication information.

11. The online account opening verification system based on 5G messages of blockchain according to claim 10 is characterized in that: The user's personal information includes at least ID card photo, name, gender, ID card number and address.

12. The online account opening verification system based on 5G messages of blockchain according to claim 11 is characterized in that: The user records an identity verification video based on the identity verification information, selects the bank to be opened in the list of banks to be opened, and confirms the user's personal information, which is integrated and fed back to the 5G message verification module in the form of a 5G message, including: Based on the identity authentication information, the user records a lip-reading video of a four-digit number, selects the bank to be opened from the list of banks to be opened, and confirms the user's personal information including name, gender, ID number and address. If there is any change in the information, the user shall modify the user's personal information, integrate the lip-reading video, the bank to be opened and the user's personal information, and then feed it back to the 5G message verification module in the form of a 5G message.

13. A computer 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, the method according to any one of claims 1 to 6 is implemented.

14. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 6 is implemented.

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