Quick payment agreement signing method, terminal and server based on 5G message

Abstract

The present invention provides a method, terminal and server for signing a quick payment agreement based on 5G messages, which can be used in the field of 5G technology. The method includes: receiving a user's signing request information transmitted by a user terminal through a 5G message, obtaining user information according to the signing request information, and transmitting the user information to a bank server so that the bank server returns account information corresponding to the user information; sending the account information to the user terminal through a 5G message so that the user can determine the signing account information from the account information, determine all cooperative institutions and enable the user to determine the signing institution from all cooperative institutions; sending the signing account information and the signing institution to the bank server to form an agreement signing request information, and completing the signing of the quick payment agreement. The present invention can solve the problem that bank users cannot sign a cardless quick payment agreement when the terminal does not have the bank APP and the target signing institution APP installed.

Description

Technical Field

[0001] The present invention relates to the field of mobile payment technologies, particularly to the field of 5G technologies, and more particularly to a method, terminal and server for signing a quick payment agreement based on 5G messages. Background Art

[0002] Cardless quick payment is a commonly used online payment product. Bank users sign a deduction authorization agreement with the target contracting institution and the bank in advance. When bank users make electronic payments in the payment scenarios and rules agreed in the agreement, they no longer need to enter their bank card passwords. This payment design avoids the need to enter passwords in front of everyone every time you pay, protects personal privacy and account security, and improves the electronic payment experience of bank users. The signing of a cardless quick payment agreement is a prerequisite for cardless quick payment.

[0003] There are two main types of existing cardless quick payment contract signing: one is to directly enter the bank card information on the target contracting institution APP (Application) installed on the user terminal to sign the contract, and the other is to select the target contracting institution and bank card information on the bank APP to sign the contract. Both of these contract signing methods require users to download the bank APP or the target contracting institution APP, that is, install the client on the user terminal. If it is not downloaded and installed, then the contract cannot be signed. That is, the signing process of the existing cardless quick payment agreement requires downloading the bank APP or the target contracting institution APP, which is complicated to operate and has a poor user experience. Summary of the invention

[0004] One object of the present invention is to provide a method for signing a quick payment agreement based on 5G messages, so as to solve the problem that a bank user cannot sign a cardless quick payment agreement when the terminal does not have the bank APP and the target contracting institution APP installed. Another object of the present invention is to provide a mobile terminal. Another object of the present invention is to provide a bank server. Another object of the present invention is to provide a contracting institution server. Another object of the present invention is to provide a computer device. Another object of the present invention is to provide a readable medium.

[0005] In order to achieve the above objectives, the present invention discloses, on one hand, a method for signing a quick payment agreement based on 5G messages, comprising:

[0006] Receive a user's contract request information transmitted by a user terminal through a 5G message, obtain user information according to the contract request information, and transmit the user information to a bank server so that the bank server returns account information corresponding to the user information;

[0007] Sending the account information to the user terminal via a 5G message so that the user can determine the contracting account information from the account information, determining all the partner institutions and transmitting all the partner institutions to the user terminal so that the user can determine the contracting institution from all the partner institutions;

[0008] The contracting account information and the contracting institution are sent to the bank server so that the bank server forms an agreement signing request information according to the user information, and the agreement signing request information is sent to the contracting institution server of the contracting institution to complete the signing of the quick payment agreement.

[0009] Preferably, obtaining user information according to the signing request information specifically includes:

[0010] Feedback authorization request information to the user terminal according to the contract signing request information so that the user terminal displays the authorization request information to the user for confirmation;

[0011] The user information fed back by the user terminal is received, where the user information is obtained by the user terminal based on the confirmation information of the user for the authorization request information and by acquiring the user information pre-stored in the user terminal.

[0012] Preferably, the transmitting the user information to the bank server so that the bank server returns the account information corresponding to the user information specifically includes:

[0013] Transmitting the user information to a bank server so that the bank server verifies the user information, and if the verification passes, determining account information of all accounts corresponding to the user information;

[0014] Receive account information transmitted by the bank server.

[0015] Preferably, the step of determining all the cooperating institutions and transmitting all the cooperating institutions to the user terminal so that the user can determine the contracting institution from all the cooperating institutions specifically includes:

[0016] Determine all available cooperative institutions from a pre-stored cooperative institution information registration table, and transmit all cooperative institutions to a user terminal so that the user terminal feeds back the cooperative institution information to the user so that the user can select a contracting institution from the cooperative institutions;

[0017] The contracting authority that receives transmissions from user terminals.

[0018] Preferably, the step of sending the agreement signing request information to the signing institution server of the signing institution specifically includes:

[0019] The agreement signing request information is sent to the clearing agency server so that the clearing agency server transparently transmits the agreement signing request information to the signing agency server of the signing agency.

[0020] Preferably, the completion of the quick payment agreement signing specifically includes:

[0021] The contract signing institution server parses the agreement signing request information to obtain user information, verifies the user information, and if the verification passes, determines the partner institution account list corresponding to the user information and sends it to the bank server, and receives the partner institution account list sent by the bank server;

[0022] Sending the partner institution account list to the user terminal so that the user terminal feeds back the partner institution account list to the user so that the user can determine the contracted partner institution account from the partner institution account list;

[0023] The account number of the contracting partner institution transmitted by the user terminal is received and sent to the bank server so that the bank server forms a quick payment agreement to complete the signing of the quick payment agreement.

[0024] The present invention also discloses a method for signing a quick payment agreement based on 5G messages, including:

[0025] Transmitting the contract request information to the operator server through a 5G message so that the operator server obtains the user information according to the contract request information, and transmitting the user information to the bank server so that the bank server returns the account information corresponding to the user information;

[0026] Receive the account information sent by the operator server through the 5G message and display it to the user so that the user can determine the contracted account information from the account information and send it to the operator server so that the operator server can determine all the partner organizations and all the partner organizations;

[0027] Receive the cooperative institutions transmitted by the operator server and display them to the user so that the user can determine the signing institution from all the cooperative institutions, send the signing account information and the signing institution to the operator server to forward it to the bank server so that the bank server can form an agreement signing request information based on the user information, and send the agreement signing request information to the signing institution server of the signing institution to complete the signing of the quick payment agreement.

[0028] The present invention also discloses a method for signing a quick payment agreement based on 5G messages, including:

[0029] Receiving user information transmitted by the operator server, the user information is obtained by the operator server receiving the user's contract request information transmitted by the user terminal through the 5G message, obtaining the user information according to the contract request information, and transmitting the user information to the bank server;

[0030] Determine the account information corresponding to the user information according to the user information and return it to the operator server so that the operator server sends the account information to the user terminal through a 5G message so that the user can determine the contract account information from the account information, determine all the cooperative institutions and transmit all the cooperative institutions to the user terminal so that the user can determine the contract institution from all the cooperative institutions;

[0031] Receive the contract account information and the contract institution sent by the operator server, form an agreement signing request information based on the user information, and send the agreement signing request information to the contract institution server of the contract institution to complete the quick payment agreement signing.

[0032] The present invention also discloses an operator server, comprising:

[0033] An account information determination module, configured to receive a user's contract signing request information transmitted by a user terminal via a 5G message, obtain user information according to the contract signing request information, and transmit the user information to a bank server so that the bank server returns account information corresponding to the user information;

[0034] A contracting institution determination module, used to send the account information to the user terminal through a 5G message so that the user can determine the contracting account information from the account information, determine all the partner institutions and transmit all the partner institutions to the user terminal so that the user can determine the contracting institution from all the partner institutions;

[0035] The agreement signing module is used to send the signing account information and the signing institution to the bank server so that the bank server forms an agreement signing request information based on the user information, and sends the agreement signing request information to the signing institution server of the signing institution to complete the quick payment agreement signing.

[0036] The present invention also discloses a user terminal, which is configured to transmit contract signing request information to an operator server via a 5G message so that the operator server obtains user information based on the contract signing request information, and transmit the user information to a bank server so that the bank server returns account information corresponding to the user information; receive the account information sent by the operator server via a 5G message and display it to the user so that the user determines the contract signing account information from the account information and sends it to the operator server so that the operator server determines all cooperative institutions and all cooperative institutions; receive the cooperative institutions transmitted by the operator server and display them to the user so that the user determines the contract signing institution from all cooperative institutions, send the contract signing account information and the contract signing institution to the operator server to forward it to the bank server so that the bank server forms an agreement signing request information based on the user information, and send the agreement signing request information to the contract signing institution server of the contract signing institution to complete the signing of the quick payment agreement.

[0037] The present invention also discloses a cooperative institution server, which is configured to receive user information transmitted by an operator server, wherein the user information is obtained by the operator server receiving the user's contract signing request information transmitted by the user terminal through 5G messages, acquiring the user information according to the contract signing request information, and transmitting the user information to a bank server; determining the account information corresponding to the user information according to the user information and returning it to the operator server so that the operator server sends the account information to the user terminal through 5G messages so that the user can determine the contract signing account information from the account information, determine all cooperative institutions and transmit all cooperative institutions to the user terminal so that the user can determine the contract signing institution from all cooperative institutions; receiving the contract signing account information and the contract signing institution sent by the operator server, forming an agreement signing request information according to the user information, and sending the agreement signing request information to the contract signing institution server of the contract signing institution to complete the signing of the quick payment agreement.

[0038] The present invention also discloses a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor.

[0039] When the processor executes the program, the method described above is implemented.

[0040] The present invention also discloses a computer readable medium having a computer program stored thereon.

[0041] When the program is executed by a processor, the method described above is implemented.

[0042] The quick payment agreement signing method based on 5G messages of the present invention receives the user's contract request information transmitted by the user terminal through 5G messages, obtains the user information according to the contract request information, and transmits the user information to the bank server so that the bank server returns the account information corresponding to the user information. The account information is sent to the user terminal through a 5G message so that the user determines the contract account information from the account information, determines all cooperative institutions and transmits all cooperative institutions to the user terminal so that the user determines the contract institution from all cooperative institutions. The contract account information and the contract institution are sent to the bank server so that the bank server forms the agreement signing request information according to the user information, and the agreement signing request information is sent to the contract institution server of the contract institution to complete the quick payment agreement signing. It can be seen from this that the present invention sends the contract request information to the operator server by way of 5G messages when the user signs the quick payment agreement, automatically obtains the user information pre-stored in the user terminal through the operator server, and then sends the user information to the bank server so that the bank server verifies the user information. After the user information is verified, the bank server can forward all cooperative institutions to the user terminal through the operator server so that the user selects one of the cooperative institutions as the contract institution. The operator server forwards the contracting institution selected by the user sent by the user terminal to the bank server, so that the bank server can form an agreement signing request information based on the user information and the contracting institution and send it to the contracting institution server to complete the quick payment agreement signing. Therefore, the present invention sends the contracting request information to the operator server in the form of 5G messages, and realizes the information interaction between the user terminal and the bank server and the contracting institution server through the operator server, so as to realize the signing of the quick payment agreement. There is no need to install applications such as the bank or cooperative institution's APP on the user terminal, which solves the problem that the bank user cannot sign a cardless quick payment agreement when the terminal does not install the bank APP and the target contracting institution APP. In addition, during the quick payment agreement signing process of the present invention, the user terminal only needs to exchange information with the operator server through 5G messages, and the operator server automatically exchanges information with the bank server and the cooperative institution server. The signing of the complete quick payment agreement can effectively reduce the number of servers for user information interaction, reduce the user's operation complexity, and improve the user experience and the efficiency of agreement signing. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0044] Figure 1 A structural diagram showing a specific embodiment of a quick payment agreement signing system based on 5G messages of the present invention;

[0045] Figure 2 A flowchart showing a specific embodiment of a method for signing a quick payment agreement based on 5G messages of the present invention;

[0046] Figure 3 A flowchart showing a specific embodiment of the method for signing a quick payment agreement based on 5G messages of the present invention S100 of acquiring user information through signing request information;

[0047] Figure 4 A flowchart showing a specific embodiment S100 of the method for signing a quick payment agreement based on 5G messages of the present invention, wherein the user information is transmitted to a bank server so that the bank server returns account information corresponding to the user information;

[0048] Figure 5 A flowchart showing a specific embodiment S200 of the method for signing a quick payment agreement based on 5G messages of the present invention;

[0049] Figure 6 A flowchart showing a specific embodiment S300 of a method for signing a quick payment agreement based on 5G messages of the present invention;

[0050] Figure 7 A structural diagram showing a specific embodiment of the operator server of the present invention;

[0051] Figure 8 A schematic diagram showing the structure of a computer device suitable for implementing an embodiment of the present invention is shown. DETAILED DESCRIPTION

[0052] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0053] It should be noted that the method, terminal and server for signing a quick payment agreement based on 5G messages disclosed in this application can be used in the field of 5G technology, and can also be used in any field outside the field of 5G technology. The application field of the method, terminal and server for signing a quick payment agreement based on 5G messages disclosed in this application is not limited.

[0054] In order to facilitate the understanding of the technical solution provided by the present application, the relevant contents of the technical solution of the present application are first described below. The quick payment agreement signing method based on 5G messages provided by the embodiment of the present invention sends the signing request information to the operator server in the form of 5G messages, and realizes the information interaction between the user terminal and the bank server and the contracting agency server through the operator server, so as to realize the signing of the quick payment agreement. There is no need to install applications such as the bank or cooperative agency APP on the user terminal, which solves the problem that bank users cannot sign a cardless quick payment agreement when the bank APP and the target contracting agency APP are not installed on the terminal. In addition, during the quick payment agreement signing process of the present invention, the user terminal only needs to exchange information with the operator server through 5G messages, and the operator server automatically exchanges information with the bank server and the cooperative agency server. The signing of the complete quick payment agreement can effectively reduce the number of servers for user information interaction, reduce the user's operation complexity, and improve user experience and agreement signing efficiency.

[0055] Figure 1 is a structural diagram of a quick payment agreement signing system based on 5G messages provided by an embodiment of the present invention, such as Figure 1 As shown, the 5G message-based quick payment agreement signing system provided by an embodiment of the present invention includes a user terminal 1, an operator server 2, at least one bank server 3 and at least one cooperative institution server 4.

[0056] Among them, the user terminal 1 sends a contract request information to the operator server 2 based on the user's operation, the operator server 2 receives the user's contract request information transmitted by the user terminal through a 5G message, obtains user information according to the contract request information, and transmits the user information to the bank server 3 so that the bank server 3 returns the account information corresponding to the user information.

[0057] The operator server 2 sends the account information to the user terminal 1 via a 5G message so that the user can determine the contract account information from the account information. The operator server 2 further determines all cooperative institutions and transmits all cooperative institutions to the user terminal 1 so that the user can determine the contract institution from all cooperative institutions. The user terminal 1 transmits the contract institution to the operator server 2.

[0058] The operator server 2 sends the contract account information and the contract institution to the bank server 3 so that the bank server 3 forms an agreement signing request information based on the user information, and sends the agreement signing request information to the contract institution server of the contract institution to complete the quick payment agreement signing.

[0059] It should be noted that, in the present invention, the information exchange and transmission between the user terminal 1 and the operator server 2 is in the form of 5G messages. The user terminal 1 sends the 5G message to the operator server 2 and can receive the information returned by the operator server 2. The signing of the quick payment agreement is completed through the background information exchange between the operator server 2 and the bank server and the cooperative institution server. The user only needs to exchange information with the operator server 2 through the user terminal 1, and there is no need to interact with multiple servers, which simplifies the user's operation and improves the portability of the signing of the quick payment agreement.

[0060] The following takes the operator server 2 as an example to illustrate the implementation process of the quick payment agreement signing method based on 5G messages provided by the embodiment of the present invention. It is understandable that the execution subject of the quick payment agreement signing method based on 5G messages provided by the embodiment of the present invention includes but is not limited to the operator server 2.

[0061] According to one aspect of the present invention, this embodiment discloses a method for signing a quick payment agreement based on 5G messages. Figure 2 As shown, in this embodiment, the method includes:

[0062] S100: Receive a user's contract signing request information transmitted by a user terminal via a 5G message, obtain user information according to the contract signing request information, and transmit the user information to a bank server so that the bank server returns account information corresponding to the user information.

[0063] S200: Send the account information to the user terminal via a 5G message so that the user can determine the contract account information from the account information, determine all cooperation agencies and transmit all cooperation agencies to the user terminal so that the user can determine the contract agency from all cooperation agencies.

[0064] S300: Send the contract account information and the contract institution to the bank server so that the bank server forms an agreement signing request information according to the user information, and send the agreement signing request information to the contract institution server of the contract institution to complete the quick payment agreement signing.

[0065] When the user signs a quick payment agreement, the present invention sends the contract request information to the operator server by means of 5G messages, automatically obtains the user information pre-stored in the user terminal through the operator server, and then sends the user information to the bank server, so that the bank server verifies the user information. After the user information is verified, the bank server can forward all the cooperative institutions to the user terminal through the operator server so that the user can select one of the cooperative institutions as the contract institution. The operator server forwards the contract institution selected by the user sent by the user terminal to the bank server, so that the bank server can form an agreement signing request information based on the user information and the contract institution and send it to the contract institution server to complete the quick payment agreement. Thus, the present invention sends the contract request information to the operator server in the form of 5G messages, and realizes the information interaction between the user terminal and the bank server and the contract institution server through the operator server, so as to realize the signing of the quick payment agreement, without installing the bank or cooperative institution APP and other applications on the user terminal, solving the problem that the bank user cannot sign the cardless quick payment agreement when the bank APP and the target contract institution APP are not installed on the terminal. Moreover, during the quick payment agreement signing process of the present invention, the user terminal only needs to exchange information with the operator server through 5G messages, and the operator server automatically exchanges information with the bank server and the cooperative institution server. The signing of a completely quick payment agreement can effectively reduce the number of servers for user information interaction, reduce the user's operation complexity, and improve user experience and agreement signing efficiency.

[0066] In a preferred embodiment, Figure 3 As shown, obtaining user information according to the contract signing request information in S100 may specifically include:

[0067] S111: Feedback authorization request information to the user terminal according to the contract signing request information so that the user terminal displays the authorization request information to the user for confirmation.

[0068] S112: Receive user information fed back by the user terminal, where the user information is obtained by the user terminal based on confirmation information of the user in response to the authorization request information and obtaining user information pre-stored in the user terminal.

[0069] Specifically, in the present invention, the user terminal and the operator server support the 5G message function, and the user terminal can perform human-computer interaction with the user, that is, the user terminal can form corresponding information in the form of 5G messages based on user operations and send it to the operator server. Therefore, in the process of signing the quick payment agreement, the user sends a contract request information in the form of a 5G message to the operator server through the user terminal to trigger the contract operation. Among them, the contract request information may include the agreement identifier and the designated contract bank pre-agreed with the operator server. After receiving the contract request information, the operator server can obtain the agreement identifier and the contract bank by parsing the contract request information, thereby determining that the user terminal needs to sign a quick payment agreement, and obtaining the bank server of the contract bank designated by the user.

[0070] In this preferred embodiment, in order to ensure the security of user information, the operator server may feedback authorization request information to the user terminal, and the user terminal may display the authorization request information to the user so that the user can authorize and confirm the sending of user information. If the user authorizes and confirms, the user terminal may extract the user information pre-stored in the user terminal based on the confirmation information of the user's authorization confirmation and send it to the operator server in the form of a 5G message. If the user does not authorize and confirm, information that the user refuses to authorize, etc. may be fed back to the operator server. For example, in a specific example, the user terminal may be a mobile phone, and the mobile phone may display authorization request information to the user asking "whether to authorize the bank to obtain your user information". User information is pre-stored in the SIM card in the mobile phone, and the mobile phone may extract the user information from the SIM in response to the confirmation information and send it to the operator server in the form of a 5G message. Among them, the user information may include information such as the user's name, certificate type, certificate number, and mobile phone number.

[0071] In a preferred embodiment, Figure 4 As shown, the S100 transmits the user information to the bank server so that the bank server returns the account information corresponding to the user information, specifically including:

[0072] S121: Transmitting the user information to a bank server so that the bank server verifies the user information. If the verification passes, the account information of all accounts corresponding to the user information is determined.

[0073] S122: Receive account information transmitted by the bank server.

[0074] Specifically, it can be understood that if the user opens an account in the bank server in advance, the bank server will pre-store the account information of all the user's accounts, and form and store the user information corresponding to the account information. In this preferred embodiment, after receiving the user information transmitted by the operator server, the bank server can verify the user information. That is, it is determined whether the user information transmitted by the operator server exists in the user information pre-stored in the bank server. If not, an error can be reported to interrupt the agreement signing process. If it exists, all account information corresponding to the user information is queried, and all account information is returned to the operator server. The operator server can return the account information to the user terminal so that the user terminal displays the account information to the user, and the user can determine the contracted account for quick payment from the account information to obtain the contracted account information.

[0075] In a preferred embodiment, Figure 5 As shown, the step S200 determines all the cooperative institutions and transmits all the cooperative institutions to the user terminal so that the user can determine the contracting institution from all the cooperative institutions. Specifically, it includes:

[0076] S210: Determine all available cooperation institutions from a pre-stored cooperation institution information registration table, and transmit all cooperation institutions to a user terminal so that the user terminal feeds back the cooperation institution information to the user so that the user can select a contracting institution from the cooperation institutions.

[0077] S220: Receive the contract signing organization transmitted by the user terminal.

[0078] Specifically, it is understood that the operator server or bank server may pre-store the cooperative institution information of all cooperative institutions for identifying the attributes of each cooperative institution. In this preferred embodiment, the operator server may determine all available cooperative institutions from the pre-stored cooperative institution information registration table, and send all cooperative institutions to the user terminal. The user terminal may display the list of cooperative institutions to the user so that the user can select the cooperative institution to be signed with the quick payment agreement as the contracting institution, and the user terminal may transmit the contracting institution to the operator server. Table 1 shows a cooperative institution information registration table in an example.

[0079] Table 1

[0080]

[0081] It should be noted that in this preferred embodiment, the cooperation institution information registration table is pre-stored in the operator server. In other embodiments, the cooperation institution information registration table may also be pre-stored in the bank server or other devices, and the present invention is not limited to this. If the cooperation institution information registration table is pre-stored in the bank server, the bank server may send all available cooperation institutions to the operator server, and the operator server may further send all cooperation institutions to the user terminal so that the user can select a contracting institution from all cooperation institutions.

[0082] In a preferred embodiment, the step S300 of sending the agreement signing request information to the contract signing institution server of the contract signing institution specifically includes:

[0083] S310: Send the agreement signing request information to the clearing agency server so that the clearing agency server transparently transmits the agreement signing request information to the contract signing agency server of the contract signing agency.

[0084] Specifically, it is understood that after receiving the contract account information and contract institution determined by the user, the bank server can form an agreement signing request information based on the user information, and send the agreement signing request information to the contract institution server of the contract institution to complete the agreement signing. In this preferred embodiment, the agreement signing request information sent by the bank server can be forwarded to the contract institution server through the clearing institution server to achieve risk monitoring of standardized management of information interaction between the contract institution and the bank.

[0085] In a preferred embodiment, Figure 6 As shown, the S300 process of completing the quick payment agreement signing specifically includes:

[0086] S320: parse the agreement signing request information through the signing agency server to obtain user information, verify the user information, and if the verification passes, determine the partner agency account list corresponding to the user information and send it to the bank server, and receive the partner agency account list sent by the bank server.

[0087] S330: Send the partner institution account list to the user terminal so that the user terminal feeds back the partner institution account list to the user so that the user can determine the contracted partner institution account from the partner institution account list.

[0088] S340: Receive the account number of the contracting partner institution transmitted by the user terminal and send it to the bank server so that the bank server forms a quick payment agreement to complete the signing of the quick payment agreement.

[0089] Specifically, the contract signing agency server can parse the received agreement signing request information to obtain user information, and determine whether there is a corresponding contract signing agency partner agency account through the user information. If so, the contract signing agency passes the verification of the user information. Further, a partner agency account list can be formed based on all partner agency accounts corresponding to the user information, and the list can be sent to the bank server, and the partner agency list can be forwarded to the operator server through the bank server, and the partner agency list can be forwarded to the user terminal through the operator server, so that the user terminal can display the list to the user, and the user can select the contract signing partner agency account to be signed from the list.

[0090] The user terminal can send the contract partner institution account number determined by the user to the operator server, and the operator server can send the contract partner institution account number to the bank server. The bank server can assemble the contract partner institution account number, specific agreement information, and the partner institution information of the contract partner institution account number to obtain the quick payment agreement to complete the agreement signing. After the agreement is signed, when the user conducts a transaction on the contract partner institution account number, there is no need to enter the key and other information for identity authentication to complete the transaction deduction. The bank server can determine the corresponding account information based on the contract partner institution account number of the transaction transmitted by the partner institution server and deduct money from the account to complete the transaction.

[0091] In this preferred embodiment, the contracting institution server forwards the partner institution list to the operator server via the bank server. In other embodiments, the contracting institution server may also directly send the partner institution list to the operator server, which is not limited in the present invention.

[0092] In this preferred embodiment, the contracting agency server directly sends the partner agency list to the bank server, and the bank server forwards the partner agency list to the operator server. In other embodiments, the contracting agency server may also forward the partner agency list to the bank server through the clearing agency server to achieve risk monitoring of standardized management of information interaction between the contracting agency and the bank, which is not limited in the present invention.

[0093] In this preferred embodiment, the bank server and the cooperative institution server can encrypt and decrypt the transmitted information according to the pre-agreed public key and private key to ensure the security of information transmission.

[0094] The present invention is further described below by a specific example. In this specific example, the method for signing a quick payment agreement based on 5G messages includes the following steps:

[0095] Step 1: The user initiates card binding through the 5G message bank enterprise number provided by the operator to obtain the contract request information and trigger the contract operation.

[0096] Step 2: The operator server returns a message prompting the user "Do you want to authorize the bank to obtain your user information?"

[0097] Step 3: The user chooses whether to authorize the bank to obtain his or her user information.

[0098] Step 4: The operator determines whether the user agrees to authorize the bank to obtain his or her user information.

[0099] A. If the user agrees to the authorization, the operator will send the user's information (name, ID type, ID number, mobile phone number) to the bank server.

[0100] B. If the user refuses authorization, the card binding process ends and the user is prompted "This service requires user authorization."

[0101] Step 5: The bank server receives the user information sent by the operator and determines whether the user information sent by the operator exists in the bank and whether the information is consistent.

[0102] A. If it does not exist or exists but is inconsistent, a corresponding error will be returned to the operator.

[0103] B. If they exist and are consistent, query the account under the user name based on the user's user information.

[0104] B.1. If the query of the account under the user name is successful, the account information of the account under the user name will be sent to the operator.

[0105] B.2. If the account under the queried user name is empty or the query fails, the corresponding error message will be returned to the operator.

[0106] Step 6: The operator receives the information returned by the bank server and determines whether the account query under the user's name is successful.

[0107] A. If the query is successful, the account information will be displayed to the user.

[0108] B. If the query fails, the card binding process ends and the corresponding error message is displayed to the user.

[0109] Step 7, the user selects the account he wants to sign.

[0110] Step 8: The operator sends the account information of the account selected by the user to be signed to the bank server.

[0111] Step 9: The bank server receives the contract account information selected by the user.

[0112] Step 10, the bank server reads the cooperative institution information registration form and sends the information of the cooperative institution that can sign the contract to the operator.

[0113] Step 11: The operator receives the partner organization information and displays a list of partner organizations that can sign contracts to the user.

[0114] Step 12: The user selects the partner organization with which he wants to sign a contract.

[0115] Step 13: The operator sends the information of the contract partner selected by the user to the bank server.

[0116] Step 14, the bank server receives the information of the contract partner institution that the user wants to sign a contract with, and sends the user information, account information and the information of the contract partner institution that the user wants to sign a contract with for pre-contract processing.

[0117] Step 15: The bank server assembles the encrypted user information and the contract partner institution information into a message and sends it to the clearing institution.

[0118] Step 16: After receiving the message, the clearing agency transmits the message information to the contracting partner agency according to the contracting partner agency information in the message.

[0119] Step 17, after parsing the message, the contract partner institution server obtains the user information including name, ID type, ID number, bank card number and mobile phone number), and can match the user's partner institution account in the partner institution according to the mobile phone number.

[0120] A. There is a corresponding account to determine whether the user information is consistent.

[0121] A.1. If the user information is consistent, the account of the user’s partner organization will be returned.

[0122] A.2. If the user information is inconsistent, the error message "the mobile number has been taken by someone else" will be returned.

[0123] B. If there is no corresponding account, the error message "No valid account found" will be returned.

[0124] Step 18: The contracted partner institution assembles and encrypts the corresponding return information (user's partner institution account / error information) and sends it to the clearing institution.

[0125] Step 19: The clearing agency will transmit the returned information message to the bank.

[0126] Step 20: The bank server parses the returned information message to determine whether the query of the user's partner institution account is successful.

[0127] A. If the query is successful, the user's partner organization account will be sent to the operator.

[0128] B. If the query fails, the error message in the returned message will be sent to the operator.

[0129] Step 21: The operator receives the information returned by the bank and determines whether the returned information is successful.

[0130] A. If the user's partner account is queried successfully, the user's partner account list will be displayed.

[0131] B. If the query of the user partner account fails, the corresponding error message will be displayed.

[0132] Step 22, the user selects the account of the partner organization with which he wants to sign a contract and obtains the account of the partner organization.

[0133] Step 23, the operator sends the account number of the contract partner institution selected by the user to the bank server.

[0134] Step 24, the bank server receives the account information of the contract partner institution sent by the operator and performs the contract signing process.

[0135] Step 25, the bank server assembles the agreement information, the contract partner account number and contract partner institution information selected by the user and sends them to the clearing agency and sends the contract result to the operator.

[0136] Step 26: The operator shows the signing result to the user.

[0137] Step 27, the clearing agency transmits the user agreement information message to the corresponding partner agency based on the partner agency information.

[0138] Step 28, the partner organization receives and parses the user agreement information message and the account information of the contracting partner selected by the user and registers the user agreement into the database.

[0139] The process of pre-signing is as follows:

[0140] Step 1: Query the cooperative institution information registration table to determine whether the submitted cooperative institution information is stored in the table.

[0141] A. If it exists, the access is passed and proceed to Step 2.

[0142] B. If it does not exist, access will be rejected and an error message will be returned: This institution does not currently support this type of business contract.

[0143] Step 2, query the basic information registration form of the partner institution (Appendix 2) to determine whether the contracting institution information exists in the bank.

[0144] A. If it does not exist, an error message will be returned: The basic information of the organization does not exist.

[0145] B. If it exists, proceed to Step 3.

[0146] Step 3: Perform compliance verification, including field non-empty verification, document type verification, card type verification, institution and card type verification, blacklist and quick payment switch verification.

[0147] A. If the compliance check fails, a corresponding error is returned.

[0148] B. If the compliance check passes, proceed to Step 4.

[0149] Step 4, query the pre-contract information registration table according to the contract information, as shown in Table 2, to see if there is a corresponding pre-contract record.

[0150] Table 2

[0151]

[0152] A. If yes, proceed to Step 5.

[0153] B. If it does not exist, create a new pre-contract record in the pre-contract information registration table and proceed to Step 4.

[0154] Step 5: Perform pre-contract verification, including controlling the maximum number of pre-contracts on the day and verifying user information and accounts.

[0155] A. If the pre-contract verification fails, the pre-contract status will be updated to pre-contract failure.

[0156] B. If the pre-contract verification passes, the pre-contract status is updated to pre-contract success.

[0157] The contract signing process is as follows:

[0158] Step 1: Query the cooperative institution information registration table to determine whether the submitted cooperative institution information is stored in the table.

[0159] A. If it exists, the access is passed and proceed to Step 2.

[0160] B. If it does not exist, access will be rejected and an error message will be returned: This institution does not currently support this type of business contract.

[0161] Step 2: Check the cooperative institution information registration form to determine whether the contracted institution information exists in the bank.

[0162] A. If it does not exist, an error message will be returned: The basic information of the organization does not exist.

[0163] B. If it exists, proceed to Step 3.

[0164] Step 3: Perform compliance verification, including field non-empty verification, document type verification, card type verification, institution and card type verification, blacklist and quick payment switch verification.

[0165] A. If the compliance check fails, a corresponding error is returned.

[0166] B. If the compliance check passes, proceed to Step 4.

[0167] Step 4. Query the pre-contract information registration form based on the contract information.

[0168] A. If there is no pre-contract record or there is a pre-contract record but the pre-contract status is failed, an error message will be displayed: "Pre-contract failed, please re-contract."

[0169] B. If there is a pre-contract record and the pre-contract status is successful, proceed to Step 5.

[0170] Step 5: Perform contract verification to verify user information, account and mobile phone number.

[0171] A. If the contract verification fails, the pre-contract status will be updated to pre-contract failure.

[0172] B. If the contract verification passes, proceed to Step 6.

[0173] Step 6, determine whether there is a record in the contract information registration table, as shown in Table 3.

[0174] Table 3

[0175]

[0176] A. If there is a record, update the data in the contract table.

[0177] B. If there is no record, add the contract data to the contract information registration form.

[0178] Step 7, update the pre-contract status in the pre-contract information registration form to successful contract signing.

[0179] Based on the same principle, this embodiment also discloses a method for signing a quick payment agreement based on 5G messages. The method includes:

[0180] Transmitting the contract request information to the operator server through a 5G message so that the operator server obtains the user information according to the contract request information, and transmitting the user information to the bank server so that the bank server returns the account information corresponding to the user information;

[0181] Receive the account information sent by the operator server through the 5G message and display it to the user so that the user can determine the contracted account information from the account information and send it to the operator server so that the operator server can determine all the partner organizations and all the partner organizations;

[0182] Receive the cooperative institutions transmitted by the operator server and display them to the user so that the user can determine the signing institution from all the cooperative institutions, send the signing account information and the signing institution to the operator server to forward it to the bank server so that the bank server can form an agreement signing request information based on the user information, and send the agreement signing request information to the signing institution server of the signing institution to complete the signing of the quick payment agreement.

[0183] Since the principle of solving the problem by this method is similar to that of the above method, the implementation of this method can refer to the implementation of the method, and will not be repeated here.

[0184] Based on the same principle, this embodiment also discloses a method for signing a quick payment agreement based on 5G messages. The method includes:

[0185] Receiving user information transmitted by the operator server, the user information is obtained by the operator server receiving the user's contract request information transmitted by the user terminal through the 5G message, obtaining the user information according to the contract request information, and transmitting the user information to the bank server;

[0186] Determine the account information corresponding to the user information according to the user information and return it to the operator server so that the operator server sends the account information to the user terminal through a 5G message so that the user can determine the contract account information from the account information, determine all the cooperative institutions and transmit all the cooperative institutions to the user terminal so that the user can determine the contract institution from all the cooperative institutions;

[0187] Receive the contract account information and the contract institution sent by the operator server, form an agreement signing request information based on the user information, and send the agreement signing request information to the contract institution server of the contract institution to complete the quick payment agreement signing.

[0188] Since the principle of solving the problem by this method is similar to that of the above method, the implementation of this method can refer to the implementation of the method, and will not be repeated here.

[0189] Based on the same principle, this embodiment also discloses an operator server. Figure 7 As shown, in this embodiment, the operator server includes an account information determination module 11, a contracting institution determination module 12 and an agreement signing module 13.

[0190] Among them, the account information determination module 11 is used to receive the user's contract request information transmitted by the user terminal through 5G messages, obtain user information according to the contract request information, and transmit the user information to the bank server so that the bank server returns the account information corresponding to the user information.

[0191] The contracting agency determination module 12 is used to send the account information to the user terminal via a 5G message so that the user can determine the contracting account information from the account information, determine all cooperative agencies and transmit all cooperative agencies to the user terminal so that the user can determine the contracting agency from all cooperative agencies.

[0192] The agreement signing module 13 is used to send the contract account information and the contract institution to the bank server so that the bank server forms an agreement signing request information based on the user information, and sends the agreement signing request information to the contract institution server of the contract institution to complete the quick payment agreement signing.

[0193] Since the principle of solving the problem by this server is similar to that of the above method, the implementation of this server can refer to the implementation of the method and will not be repeated here.

[0194] Based on the same principle, this embodiment also discloses a user terminal. The user terminal is configured to transmit the contract request information to the operator server through a 5G message so that the operator server obtains the user information according to the contract request information, and transmit the user information to the bank server so that the bank server returns the account information corresponding to the user information; receive the account information sent by the operator server through a 5G message and display it to the user so that the user can determine the contract account information from the account information and send it to the operator server so that the operator server can determine all the cooperative institutions and all the cooperative institutions; receive the cooperative institutions transmitted by the operator server and display it to the user so that the user can determine the contract institution from all the cooperative institutions, send the contract account information and the contract institution to the operator server to forward it to the bank server so that the bank server forms an agreement signing request information according to the user information, and send the agreement signing request information to the contract institution server of the contract institution to complete the quick payment agreement signing.

[0195] Since the principle of solving the problem by the terminal is similar to that of the above method, the implementation of the terminal can refer to the implementation of the method, which will not be described in detail here.

[0196] Based on the same principle, this embodiment also discloses a cooperative institution server. The cooperative institution server is configured to receive user information transmitted by the operator server, the user information is the user's contract request information transmitted by the user terminal through 5G messages received by the operator server, the user information is obtained according to the contract request information, and the user information is transmitted to the bank server; the account information corresponding to the user information is determined according to the user information and returned to the operator server so that the operator server sends the account information to the user terminal through 5G messages so that the user can determine the contract account information from the account information, determine all cooperative institutions and transmit all cooperative institutions to the user terminal so that the user can determine the contract institution from all cooperative institutions; receive the contract account information and the contract institution sent by the operator server, form the agreement signing request information according to the user information, and send the agreement signing request information to the contract institution server of the contract institution to complete the quick payment agreement signing.

[0197] Since the principle of solving the problem by this server is similar to that of the above method, the implementation of this server can refer to the implementation of the method and will not be repeated here.

[0198] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer device, and specifically, the computer device may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0199] In a typical example, the computer device specifically includes a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the program, the method executed by the user terminal as described above is implemented; or, when the processor executes the program, the method executed by the server as described above is implemented.

[0200] Reference below Figure 8 , which shows a schematic diagram of the structure of a computer device 600 suitable for implementing an embodiment of the present application.

[0201] like Figure 8As shown, the computer device 600 includes a central processing unit (CPU) 601, which can perform various appropriate tasks and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage part 608 to a random access memory (RAM) 603. In the RAM 603, various programs and data required for the operation of the system 600 are also stored. The CPU 601, the ROM 602, and the RAM 603 are connected to each other via a bus 604. An I / O interface 605 is also connected to the bus 604.

[0202] The following components are connected to the I / O interface 605: an input section 606 including a keyboard, a mouse, etc.; an output section 607 including a cathode ray tube (CRT), a liquid crystal feedback device (LCD), etc., and a speaker, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, a modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the I / O interface 605 as needed. A removable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 610 as needed, so that a computer program read therefrom is installed as needed as the storage section 608.

[0203] In particular, according to an embodiment of the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present invention includes a computer program product, which includes a computer program tangibly contained on a machine-readable medium, and the computer program includes program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication part 609, and / or installed from the removable medium 611.

[0204] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0205] For the convenience of description, the above device is described in various units according to their functions. Of course, when implementing the present application, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0206] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), 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 produce 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.

[0207] 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 comprising 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.

[0208] 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.

[0209] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0210] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems or computer program products. Therefore, the present application may take the form of a complete hardware embodiment, a complete software embodiment or an embodiment combining software and hardware. Moreover, the present application 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 codes.

[0211] The present application may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present application may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0212] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0213] The above is only an embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A method for signing a quick payment agreement based on 5G messages, characterized in that: include: Receive a user's contract request information transmitted by a user terminal through a 5G message, obtain user information according to the contract request information, and transmit the user information to a bank server so that the bank server returns account information corresponding to the user information; Sending the account information to the user terminal via a 5G message so that the user can determine the contracting account information from the account information, determining all the partner institutions and transmitting all the partner institutions to the user terminal so that the user can determine the contracting institution from all the partner institutions; Send the contract account information and the contract institution to the bank server so that the bank server forms an agreement signing request information according to the user information, and sends the agreement signing request information to the contract institution server of the contract institution to complete the signing of the quick payment agreement; The completion of the quick payment agreement signing specifically includes: The contract signing institution server parses the agreement signing request information to obtain user information, verifies the user information, and if the verification passes, determines the partner institution account list corresponding to the user information and sends it to the bank server, and receives the partner institution account list sent by the bank server; Sending the partner institution account list to the user terminal so that the user terminal feeds back the partner institution account list to the user so that the user can determine the contracted partner institution account from the partner institution account list; Receive the contract partner institution account number transmitted by the user terminal and send it to the bank server so that the bank server forms a quick payment agreement to complete the signing of the quick payment agreement; The bank server and the server of the cooperative institution encrypt and decrypt the transmitted information according to the public key and private key agreed in advance.

2. The method for signing a quick payment agreement based on 5G messages according to claim 1, characterized in that: Acquiring user information according to the signing request information specifically includes: Feedback authorization request information to the user terminal according to the contract signing request information so that the user terminal displays the authorization request information to the user for confirmation; The user information fed back by the user terminal is received, where the user information is obtained by the user terminal based on the confirmation information of the user for the authorization request information and by acquiring the user information pre-stored in the user terminal.

3. The method for signing a quick payment agreement based on 5G messages according to claim 1, characterized in that: The transmitting the user information to the bank server so that the bank server returns the account information corresponding to the user information specifically includes: Transmitting the user information to a bank server so that the bank server verifies the user information, and if the verification passes, determining account information of all accounts corresponding to the user information; Receive account information transmitted by the bank server.

4. The method for signing a quick payment agreement based on 5G messages according to claim 1, characterized in that: The step of determining all the cooperative institutions and transmitting all the cooperative institutions to the user terminal so that the user can determine the contracting institution from all the cooperative institutions specifically includes: Determine all available cooperative institutions from a pre-stored cooperative institution information registration table, and transmit all cooperative institutions to a user terminal so that the user terminal feeds back the cooperative institution information to the user so that the user can select a contracting institution from the cooperative institutions; The contracting authority that receives the transmission from the user terminal.

5. The method for signing a quick payment agreement based on 5G messages according to claim 1, characterized in that: The step of sending the agreement signing request information to the contract signing institution server of the contract signing institution specifically includes: The agreement signing request information is sent to the clearing agency server so that the clearing agency server transparently transmits the agreement signing request information to the signing agency server of the signing agency.

6. A method for signing a quick payment agreement based on 5G messages, characterized in that: include: Transmitting the contract request information to the operator server through a 5G message so that the operator server obtains the user information according to the contract request information, and transmitting the user information to the bank server so that the bank server returns the account information corresponding to the user information; Receive the account information sent by the operator server through the 5G message and display it to the user so that the user can determine the contracted account information from the account information and send it to the operator server so that the operator server can determine all the partner organizations and all the partner organizations; Receive the cooperative institution transmitted by the operator server and display it to the user so that the user can determine the contracting institution from all the cooperative institutions, send the contracting account information and the contracting institution to the operator server to forward it to the bank server so that the bank server can form an agreement signing request information according to the user information, and send the agreement signing request information to the contracting institution server of the contracting institution to complete the signing of the quick payment agreement; The completion of the quick payment agreement signing specifically includes: Receiving a partner institution account list corresponding to the verified user information transmitted by the operator server and feeding it back to the user terminal so that the user can determine the contracted partner institution account from the partner institution account list; The contract partner institution account is sent to the operator server and then forwarded to the bank server so that the bank server forms an agreement signing request information according to the user information, and the agreement signing request information is sent to the contract institution server of the contract institution to complete the signing of the quick payment agreement; The bank server and the server of the cooperative institution encrypt and decrypt the transmitted information according to the public key and private key agreed in advance.

7. A method for signing a quick payment agreement based on 5G messages, characterized in that: include: Receiving user information transmitted by the operator server, the user information is obtained by the operator server receiving the user's contract request information transmitted by the user terminal through the 5G message, obtaining the user information according to the contract request information, and transmitting the user information to the bank server; Determine the account information corresponding to the user information according to the user information and return it to the operator server so that the operator server sends the account information to the user terminal through a 5G message so that the user can determine the contract account information from the account information, determine all the cooperative institutions and transmit all the cooperative institutions to the user terminal so that the user can determine the contract institution from all the cooperative institutions; Receive the contract account information and the contract institution sent by the operator server, form an agreement signing request information according to the user information, and send the agreement signing request information to the contract institution server of the contract institution to complete the quick payment agreement signing; The completion of the quick payment agreement signing specifically includes: Parse the agreement signing request information to obtain user information, verify the user information, and if the verification passes, determine the partner institution account list corresponding to the user information and send it to the bank server, and then forward it to the operator server; After the user determines the account number of the contracted partner institution in the account list of the partner institution forwarded from the operator server through the user terminal, the user forms a quick payment agreement with the bank server to complete the signing of the quick payment agreement; The bank server and the server of the cooperative institution encrypt and decrypt the transmitted information according to the public key and private key agreed in advance.

8. An operator server, characterized in that: The operator server is used to implement the method according to any one of claims 1 to 5, and the operator server includes: An account information determination module, configured to receive a user's contract signing request information transmitted by a user terminal via a 5G message, obtain user information according to the contract signing request information, and transmit the user information to a bank server so that the bank server returns account information corresponding to the user information; A contracting institution determination module, used to send the account information to the user terminal through a 5G message so that the user can determine the contracting account information from the account information, determine all the partner institutions and transmit all the partner institutions to the user terminal so that the user can determine the contracting institution from all the partner institutions; The agreement signing module is used to send the signing account information and the signing institution to the bank server so that the bank server forms an agreement signing request information based on the user information, and sends the agreement signing request information to the signing institution server of the signing institution to complete the quick payment agreement signing.

9. A user terminal, characterized in that: The user terminal is used to implement the method of claim 6, and the user terminal is configured to transmit the contract request information to the operator server through a 5G message so that the operator server obtains user information according to the contract request information, and transmit the user information to the bank server so that the bank server returns the account information corresponding to the user information; Receive the account information sent by the operator server through the 5G message and display it to the user so that the user can determine the contracted account information from the account information and send it to the operator server so that the operator server can determine all the partner organizations and all the partner organizations; Receive the cooperative institutions transmitted by the operator server and display them to the user so that the user can determine the signing institution from all the cooperative institutions, send the signing account information and the signing institution to the operator server to forward it to the bank server so that the bank server can form an agreement signing request information based on the user information, and send the agreement signing request information to the signing institution server of the signing institution to complete the signing of the quick payment agreement.

10. A cooperative institution server, characterized in that: The cooperation institution server is used to implement the method described in claim 7, the user terminal is configured to receive user information transmitted by the operator server, the user information is obtained by the operator server receiving the user's contract request information transmitted by the user terminal through 5G messages, obtaining the user information according to the contract request information, and transmitting the user information to the bank server; determining the account information corresponding to the user information according to the user information and returning it to the operator server so that the operator server sends the account information to the user terminal through 5G messages so that the user determines the contract account information from the account information, determining all cooperation institutions and transmitting all cooperation institutions to the user terminal so that the user determines the contract institution from all cooperation institutions; Receive the contract account information and the contract institution sent by the operator server, form an agreement signing request information based on the user information, and send the agreement signing request information to the contract institution server of the contract institution to complete the quick payment agreement signing.

11. 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 program, the method according to any one of claims 1 to 7 is implemented.

12. A computer readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

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