Credit card cross-bank repayment method, device and system based on 5G message

Abstract

The invention discloses a credit card inter-bank repayment method, device and system based on a 5G message, relates to the technical field of 5G messages, can be used in the field of financial science and technology, and comprises the following steps: generating an inter-bank signing data table according to signing customer information, the signed customer information is uploaded after the 5G message service processing node performs identity authentication on the customer according to the inter-bank signing application and passes the authentication; inter-bank signing is carried out according to the signed customer information and in-bank reserved customer information fed back by the in-bank information interaction service node of each bank; the repayment customer information is checked, wherein the repayment customer information is uploaded after the 5G message service processing node performs identity authentication on the customer according to the inter-bank repayment application and passes the authentication; and after the verification is passed, a service adjustment request is sent to the in-bank information interaction service node of each bank, and the in-bank information interaction service node of each bank adjusts the client account based on the service adjustment request. The data security and reliability are good.

Description

Technical Field

[0001] The present invention relates to the field of 5G technology and can be used in the field of financial technology, and in particular to a method, device and system for inter-bank credit card repayment based on 5G messages. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the invention recited in the claims. No admission is made that the description herein is prior art by inclusion in this section.

[0003] Credit cards can be repaid across banks. In terms of operation, inter-bank repayments can be made at bank counters or ATMs, or through inter-bank repayment and remittance on the debit card's online banking.

[0004] If you choose to repay your credit card through interbank repayment, you must pay attention to the following: the time of arrival of interbank repayment and the time of credit limit restoration may not be confirmed immediately, and it will take 1-2 working days. Due to the special nature of credit cards, it is impossible to ensure that the funds will arrive on the same day of interbank repayment, so you must pay attention to leaving a certain amount of time when making interbank repayments to prevent overdue payments. In addition, interbank repayments are complicated and require multiple verifications, which brings inconvenience to customers. If complex verification is not performed, security will be greatly reduced.

[0005] Specifically, inter-bank credit card repayment includes inter-bank contract signing and inter-bank transaction processing. In the inter-bank contract signing process, since the contract signing information is transmitted in a serial manner between the contract initiating bank, the inter-bank processing center and the contract accepting bank, the reliability and timeliness of the inter-bank contract signing are relatively poor.

[0006] Therefore, there is a need for a fast and secure inter-bank credit card repayment solution to shorten the business process of inter-bank credit card repayment and improve data security and reliability. Summary of the invention

[0007] In a first aspect, an embodiment of the present invention provides a credit card inter-bank repayment method based on 5G messages, which is applied to a 5G message service processing node, has good data security and reliability, and includes:

[0008] Generate an inter-bank contract data table based on the contracted customer information sent by the 5G message service processing node, where the contracted customer information is sent by the 5G message service processing node after the 5G message service processing node receives the inter-bank contract application sent by the 5G client and authenticates the customer's identity;

[0009] Conduct inter-bank contract signing based on the contracted customer information in the inter-bank contract data table and the reserved customer information fed back by the intra-bank information interaction service nodes of each bank;

[0010] Verify the repayment customer information sent by the 5G message service processing node. The repayment customer information is sent by the 5G message service processing node after the 5G message service processing node receives the inter-bank repayment application sent by the 5G client and authenticates the customer's identity;

[0011] After verification, a service adjustment request is sent to the in-bank information interaction service node of each bank, and the in-bank information interaction service node of each bank adjusts the customer account based on the service adjustment request.

[0012] In a second aspect, an embodiment of the present invention also provides another inter-bank credit card repayment device based on 5G messages, which is applied to a 5G message service processing node, and has good data security and reliability, including:

[0013] An inter-bank contract data table generation module is used to generate an inter-bank contract data table according to the contract customer information sent by the 5G message service processing node. The contract customer information is sent by the 5G message service processing node after the 5G message service processing node receives the inter-bank contract application sent by the 5G client and authenticates the customer identity and passes the authentication;

[0014] The inter-bank contract signing module is used to perform inter-bank contract signing based on the contracting customer information in the inter-bank contract signing data table and the intra-bank reserved customer information fed back by the intra-bank information interaction service nodes of each bank;

[0015] An information verification module is used to verify the repayment customer information sent by the 5G message service processing node. The repayment customer information is sent by the 5G message service processing node after the 5G message service processing node receives the inter-bank repayment application sent by the 5G client and authenticates the customer's identity;

[0016] The account adjustment module is used to send a service adjustment request to the in-bank information interaction service node of each bank after verification, and the in-bank information interaction service node of each bank adjusts the customer account based on the service adjustment request.

[0017] In the third aspect, the embodiment of the present invention provides a credit card inter-bank repayment system based on 5G messages, which has good data security and reliability. The system includes: a 5G client, a 5G message service processing node, an inter-bank transaction service node, and an intra-bank information interaction service node of each bank; wherein,

[0018] 5G client, used to send an inter-bank contract application to the 5G message service processing node;

[0019] The 5G message service processing node is used to authenticate the customer's identity after receiving the inter-bank contract application sent by the 5G client; after the identity authentication is passed, the contract customer information is sent to the inter-bank transaction service node;

[0020] The inter-bank transaction service node is used to generate an inter-bank contract data table based on the contract customer information sent by the 5G message service processing node; and to conduct inter-bank contract signing based on the contract customer information in the inter-bank contract data table and the reserved customer information within the bank fed back by the internal information interaction service node of each bank;

[0021] The 5G client is also used to: send inter-bank repayment applications to the 5G message service processing node;

[0022] The 5G message service processing node is also used to: after receiving the inter-bank repayment application sent by the 5G client, authenticate the customer's identity; after the identity authentication is passed, send the repayment customer information to the inter-bank transaction service node;

[0023] The inter-bank transaction service node is also used to: check the repayment customer information received, and after the check is passed, send a service adjustment request to the intra-bank information interaction service node of each bank;

[0024] The intra-bank information interaction service node is further used to adjust the customer account based on the service adjustment request.

[0025] In a fourth aspect, an embodiment of the present invention further provides a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned inter-bank credit card repayment method based on 5G messages when executing the computer program.

[0026] In a fifth aspect, an embodiment of the present invention further provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it implements the above-mentioned inter-bank credit card repayment method based on 5G messages.

[0027] In an embodiment of the present invention, an inter-bank contract data table is generated based on the contract customer information sent by the 5G message service processing node, and the contract customer information is sent by the 5G message service processing node after the 5G message service processing node receives the inter-bank contract application sent by the 5G client and the identity of the customer is authenticated and passed; inter-bank contract signing is performed based on the contract customer information in the inter-bank contract data table and the in-bank reserved customer information fed back by the in-bank information interaction service node of each bank; the repayment customer information sent by the 5G message service processing node is checked, and the repayment customer information is sent by the 5G message service processing node after the 5G message service processing node receives the inter-bank repayment application sent by the 5G client and the identity of the customer is authenticated and passed; after the verification is passed, a service adjustment request is sent to the in-bank information interaction service node of each bank, and the in-bank information interaction service node of each bank adjusts the customer account based on the service adjustment request. In the embodiment of the present invention, the customer identity authentication required for the internal information interaction services of each bank is uniformly performed by the 5G message service processing node, without each bank having to perform identity authentication one by one, thereby shortening the business process of inter-bank credit card repayments, and the data security and reliability of identity authentication by the 5G message service processing node are high; in addition, the inter-bank transaction service node can coordinate the internal information interaction service nodes of each bank to schedule contracts and repayments, further improving the efficiency of the business process of inter-bank credit card repayments. BRIEF DESCRIPTION OF THE DRAWINGS

[0028] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. 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 creative work. In the drawings:

[0029] Figure 1 This is a flow chart of a credit card inter-bank repayment method based on 5G messages in an embodiment of the present invention;

[0030] Figure 2 A detailed flow chart of cross-bank contract signing by multiple nodes in an embodiment of the present invention;

[0031] Figure 3 A detailed flow chart for interbank transaction processing for multiple nodes;

[0032] Figure 4 Schematic diagram of a credit card inter-bank repayment device based on 5G messages in an embodiment of the present invention;

[0033] Figure 5 Schematic diagram of a credit card inter-bank repayment system based on 5G messages in an embodiment of the present invention;

[0034] Figure 6 Schematic diagram of a computer device in an embodiment of the present invention. DETAILED DESCRIPTION

[0035] To make the purpose, technical solution and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0036] The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0037] Figure 1 The flowchart of the inter-bank credit card repayment method based on 5G messages in an embodiment of the present invention is applied to an inter-bank transaction service node, including:

[0038] Step 101, generating an inter-bank contract data table according to the contract customer information sent by the 5G message service processing node, wherein the contract customer information is sent by the 5G message service processing node after the 5G message service processing node receives the inter-bank contract application sent by the 5G client and performs identity authentication on the customer and passes the authentication;

[0039] Step 102, performing inter-bank contract signing based on the contracting customer information in the inter-bank contract signing data table and the intra-bank reserved customer information fed back by the intra-bank information interaction service nodes of each bank;

[0040] Step 103, verifying the repayment customer information sent by the 5G message service processing node, wherein the repayment customer information is sent by the 5G message service processing node after the 5G message service processing node receives the inter-bank repayment application sent by the 5G client and authenticates the customer identity;

[0041] Step 104: after verification, a service adjustment request is sent to the in-bank information interaction service node of each bank, and the in-bank information interaction service node of each bank adjusts the customer account based on the service adjustment request.

[0042] In the embodiment of the present invention, the customer identity authentication required for the internal information interaction services of each bank is uniformly performed by the 5G message service processing node, without each bank having to perform identity authentication one by one, thereby shortening the business process of inter-bank credit card repayments, and the data security and reliability of identity authentication by the 5G message service processing node are high; in addition, the inter-bank transaction service node can coordinate the internal information interaction service nodes of each bank to schedule contracts and repayments, further improving the efficiency of the business process of inter-bank credit card repayments.

[0043] In an embodiment of the present invention, the 5G client may be a mobile phone that provides SIM card services.

[0044] In the embodiment of the present invention, inter-bank repayment specifically includes two steps of inter-bank contract signing and inter-bank transaction processing, wherein step 101-step 102 is the inter-bank contract signing process, and step 103-step 104 is the inter-bank transaction processing process.

[0045] In one embodiment, inter-bank contract signing is performed based on the contracting customer information in the inter-bank contract signing data table and the intra-bank reserved customer information fed back by the intra-bank information interaction service nodes of each bank, including:

[0046] Sending a customer data query command to the in-bank information interaction service node of each bank, wherein the customer data query command is used by the in-bank information interaction service node to query the customer information reserved by the user in the bank;

[0047] Receive customer information reserved by users in the bank fed back by the bank's information interaction service node;

[0048] Determine whether the contracted customer information in the inter-bank contract data table is the same as the customer information reserved by the receiving user within the bank;

[0049] If they are the same, the contract is signed successfully;

[0050] If they are different, determine whether the customer can continue to sign the contract through risk identification;

[0051] If possible, confirm that the contract is signed successfully;

[0052] If not, the contract signing is deemed to have failed.

[0053] In one embodiment, the method further comprises:

[0054] If the contracted customer information in the inter-bank contract data table is different from the customer information reserved by the receiving user within the bank, the contracted customer information in the inter-bank contract data table is sent to the intra-bank information interaction service node of each bank, and the intra-bank information interaction service node replaces the customer information reserved within the bank after receiving the customer information.

[0055] In one embodiment, the method further comprises:

[0056] After confirming that the contract is successful, a contract success message is sent to the 5G message service processing node. The contract success message is used by the 5G message service processing node to send a 5G card message based on the successful contract to the 5G client.

[0057] In one embodiment, judging whether the customer can continue to sign the contract through risk identification includes:

[0058] Call the risk identification service to determine whether the contracted customer information meets the risk control standards;

[0059] If the conditions are met, it is determined that the customer can continue to sign the contract, and the contract customer information in the inter-bank contract data table is sent to the internal information exchange service nodes of each bank;

[0060] If it does not meet the requirements, it is determined that the customer cannot continue to sign the contract.

[0061] In one embodiment, the method further comprises:

[0062] After determining that the contract signing has failed, the missing customer information is extracted, and a contract termination command is sent to the 5G message service processing node and the internal information interaction service node; the contract termination command is used by the 5G message service processing node to generate a task to supplement customer information, and send a 5G card message based on the task to supplement customer information to the 5G client.

[0063] In one embodiment, the method further comprises:

[0064] When the verification fails, the customer information is sent to the intra-bank information interaction service nodes of each bank; wherein, the intra-bank information interaction service node, when receiving a service adjustment request but not receiving customer information, directly makes intra-bank account adjustments; after receiving the customer information, the customer authentication is performed through the customer authentication service, and if the customer authentication passes and after receiving the service adjustment request, the intra-bank account adjustments are performed.

[0065] In one embodiment, the method further comprises:

[0066] After receiving the inter-bank task execution completion message, the task completion message is sent to the 5G message service processing node; wherein, the inter-bank task execution completion message is sent by the intra-bank information interaction service node after the account adjustment is completed and the financial processing is determined to be successful; after receiving the task completion message, the 5G message service processing node sends a 5G card message to the 5G client.

[0067] Figure 2 A complete embodiment is given below as a detailed flow chart of cross-bank signing of multiple nodes in an embodiment of the present invention.

[0068] The 5G client sends an inter-bank contract application to the 5G message service processing node;

[0069] After receiving the inter-bank contract application sent by the 5G client, the 5G message service processing node authenticates the customer's identity. After the identity authentication is passed, the contract customer information is sent through the API interface provided by the inter-bank transaction service node;

[0070] The inter-bank transaction service node generates an inter-bank contract data table based on the contracted customer information, calls the API interface of each bank's intra-bank information interaction service node, and sends a customer data query command to each bank's intra-bank information interaction service node;

[0071] The intra-bank information interaction service node queries the customer information reserved by the user in the bank according to the customer data query command, and feeds back to the inter-bank transaction service node;

[0072] The inter-bank transaction service node determines whether the contracted customer information in the inter-bank contract data table is the same as the customer information reserved by the user within the bank;

[0073] If they are the same, it is determined that the contract is signed successfully, and a contract success message is sent to the 5G message service processing node;

[0074] If they are different, the contracted customer information in the inter-bank contract data table is sent to the internal information exchange service node of each bank. At the same time, the risk identification service is called to determine whether the contracted customer information meets the risk control standards;

[0075] If the conditions are met, it is determined that the customer can continue to sign the contract, and a contract success message is sent to the 5G message service processing node; if the conditions are not met, it is determined that the customer cannot continue to sign the contract, the missing information of the customer is extracted, and a contract termination command is sent to the 5G message service processing node and the internal information interaction service node;

[0076] After receiving the customer information, the in-bank information interaction service node replaces the customer information reserved in the bank;

[0077] After receiving the termination contract command, the 5G message service processing node generates a task to supplement customer information, and sends a 5G card message based on the task to supplement customer information to the 5G client;

[0078] After receiving the successful signing information, the 5G message service processing node sends a 5G card message based on the successful signing to the 5G client.

[0079] Figure 3 A detailed flow chart for inter-bank transaction processing for multiple nodes and a complete implementation example are given below.

[0080] The 5G client sends an inter-bank repayment application to the 5G message service processing node;

[0081] After receiving the inter-bank repayment application sent by the 5G client, the 5G message service processing node authenticates the customer's identity; after the identity authentication is passed, the API interface of the inter-bank transaction service node is called to send the customer information to the inter-bank transaction service node;

[0082] The inter-bank transaction service node verifies the received customer information. If the verification is successful, an inter-bank transaction task is generated, and a service adjustment request is sent to the intra-bank information interaction service node of each bank. If the verification is unsuccessful, the customer information is sent to the intra-bank information interaction service node of each bank.

[0083] When the intra-bank information interaction service node receives a service adjustment request and does not receive customer information, it directly adjusts the intra-bank account; after receiving customer information, it performs customer authentication through the customer authentication service. If the customer authentication passes and after receiving the service adjustment request, it adjusts the intra-bank account; after the account adjustment is completed, it determines that the financial processing is successful and sends an inter-bank task execution completion message to the inter-bank transaction service node;

[0084] After receiving the inter-bank task execution completion message, the inter-bank transaction service node sends a task completion message to the 5G message service processing node;

[0085] After receiving the task completion message, the 5G message service processing node sends a 5G card message to the 5G client.

[0086] An embodiment of the present invention also proposes a credit card inter-bank repayment device based on 5G messages, the principle of which is similar to the credit card inter-bank repayment method based on 5G messages, and will not be repeated here.

[0087] Figure 4 This is a schematic diagram of a credit card inter-bank repayment device based on 5G messages in an embodiment of the present invention, which is applied to an inter-bank transaction service node, including:

[0088] The inter-bank contract data table generation module 401 is used to generate an inter-bank contract data table according to the contract customer information sent by the 5G message service processing node, wherein the contract customer information is sent by the 5G message service processing node after the 5G message service processing node receives the inter-bank contract application sent by the 5G client and authenticates the customer identity and passes the authentication;

[0089] The inter-bank contract signing module 402 is used to perform inter-bank contract signing based on the contracting customer information in the inter-bank contract signing data table and the intra-bank reserved customer information fed back by the intra-bank information interaction service nodes of each bank;

[0090] The information verification module 403 is used to verify the repayment customer information sent by the 5G message service processing node. The repayment customer information is sent by the 5G message service processing node after the 5G message service processing node receives the inter-bank repayment application sent by the 5G client and authenticates the customer's identity;

[0091] The account adjustment module 404 is used to send a service adjustment request to the in-bank information interaction service node of each bank after verification, and the in-bank information interaction service node of each bank adjusts the customer account based on the service adjustment request.

[0092] In one embodiment, the inter-bank contract signing module is specifically used for:

[0093] Sending a customer data query command to the in-bank information interaction service node of each bank, wherein the customer data query command is used by the in-bank information interaction service node to query the customer information reserved by the user in the bank;

[0094] Receive customer information reserved by users in the bank fed back by the bank's information interaction service node;

[0095] Determine whether the contracted customer information in the inter-bank contract data table is the same as the customer information reserved by the receiving user within the bank;

[0096] If they are the same, the contract is signed successfully;

[0097] If they are different, determine whether the customer can continue to sign the contract through risk identification;

[0098] If possible, confirm that the contract is signed successfully;

[0099] If not, the contract signing is deemed to have failed.

[0100] In one embodiment, the inter-bank contract signing module is specifically used for:

[0101] If the contracted customer information in the inter-bank contract data table is different from the customer information reserved by the receiving user within the bank, the contracted customer information in the inter-bank contract data table is sent to the intra-bank information interaction service node of each bank, and the intra-bank information interaction service node replaces the customer information reserved within the bank after receiving the customer information.

[0102] In one embodiment, the inter-bank contract signing module is specifically used for:

[0103] After confirming that the contract is successful, a contract success message is sent to the 5G message service processing node. The contract success message is used by the 5G message service processing node to send a 5G card message based on the successful contract to the 5G client.

[0104] In one embodiment, the inter-bank contract signing module is specifically used for:

[0105] Call the risk identification service to determine whether the contracted customer information meets the risk control standards;

[0106] If the conditions are met, it is determined that the customer can continue to sign the contract, and the contract customer information in the inter-bank contract data table is sent to the internal information exchange service nodes of each bank;

[0107] If it does not meet the requirements, it is determined that the customer cannot continue to sign the contract.

[0108] In one embodiment, the inter-bank contract signing module is specifically used for:

[0109] After determining that the contract signing has failed, the missing customer information is extracted, and a contract termination command is sent to the 5G message service processing node and the internal information interaction service node; the contract termination command is used by the 5G message service processing node to generate a task to supplement customer information, and send a 5G card message based on the task to supplement customer information to the 5G client.

[0110] In one embodiment, the account adjustment module is specifically used to:

[0111] When the verification fails, the customer information is sent to the intra-bank information interaction service nodes of each bank; wherein, the intra-bank information interaction service node, when receiving a service adjustment request but not receiving customer information, directly makes intra-bank account adjustments; after receiving the customer information, the customer authentication is performed through the customer authentication service, and if the customer authentication passes and after receiving the service adjustment request, the intra-bank account adjustments are performed.

[0112] In one embodiment, the account adjustment module is specifically used to:

[0113] After receiving the inter-bank task execution completion message, the task completion message is sent to the 5G message service processing node; wherein, the inter-bank task execution completion message is sent by the intra-bank information interaction service node after the account adjustment is completed and the financial processing is determined to be successful; after receiving the task completion message, the 5G message service processing node sends a 5G card message to the 5G client.

[0114] An embodiment of the present invention also proposes a credit card inter-bank repayment system based on 5G messages. The principle of the system is similar to the credit card inter-bank repayment method based on 5G messages, and will not be repeated here.

[0115] Figure 5 Schematic diagram of a credit card inter-bank repayment system based on 5G messages in an embodiment of the present invention, including: a 5G client 501, a 5G message service processing node 502, an inter-bank transaction service node 503 and an intra-bank information interaction service node 504 of each bank; wherein,

[0116] The 5G client 501 is used to send an inter-bank contract application to the 5G message service processing node;

[0117] The 5G message service processing node 502 is used to authenticate the identity of the customer after receiving the inter-bank contract application sent by the 5G client; after the identity authentication is passed, the contract customer information is sent to the inter-bank transaction service node;

[0118] The inter-bank transaction service node 503 is used to generate an inter-bank contract data table according to the contract customer information sent by the 5G message service processing node; and to perform inter-bank contract signing according to the contract customer information in the inter-bank contract data table and the reserved customer information within the bank fed back by the intra-bank information interaction service node 504 of each bank;

[0119] The 5G client 501 is also used to: send an inter-bank repayment application to the 5G message service processing node;

[0120] The 5G message service processing node 502 is also used to: after receiving the inter-bank repayment application sent by the 5G client, authenticate the identity of the customer; after the identity authentication is passed, send the repayment customer information to the inter-bank transaction service node;

[0121] The inter-bank transaction service node 503 is also used to: check the received repayment customer information, and after the check is passed, send a service adjustment request to the intra-bank information interaction service node of each bank;

[0122] The in-bank information interaction service node 504 is further configured to adjust the customer account based on the service adjustment request.

[0123] To sum up, in the method, device, and system proposed in the embodiments of the present invention, an inter-bank contract data table is generated according to the contract customer information sent by the 5G message service processing node, and the contract customer information is sent by the 5G message service processing node after receiving the inter-bank contract application sent by the 5G client and the identity of the customer is authenticated and passed; inter-bank contract is performed according to the contract customer information in the inter-bank contract data table and the in-bank reserved customer information fed back by the in-bank information interaction service nodes of each bank; the repayment customer information sent by the 5G message service processing node is checked, and the repayment customer information is sent by the 5G message service processing node after receiving the inter-bank repayment application sent by the 5G client and the identity of the customer is authenticated and passed; after the verification is passed, a service adjustment request is sent to the in-bank information interaction service node of each bank, and the in-bank information interaction service node of each bank adjusts the customer account based on the service adjustment request. In the embodiment of the present invention, the customer identity authentication required for the internal information interaction services of each bank is uniformly performed by the 5G message service processing node, without each bank having to perform identity authentication one by one, thereby shortening the business process of inter-bank credit card repayments, and the data security and reliability of identity authentication by the 5G message service processing node are high; in addition, the inter-bank transaction service node can coordinate the internal information interaction service nodes of each bank to schedule contracts and repayments, further improving the efficiency of the business process of inter-bank credit card repayments.

[0124] An embodiment of the present invention further provides a computer device, Figure 6 This is a schematic diagram of a computer device in an embodiment of the present invention. The computer device 600 includes a memory 610, a processor 620, and a computer program 630 stored in the memory 610 and executable on the processor 620. When the processor 620 executes the computer program 630, the above-mentioned inter-bank credit card repayment method based on 5G messages is implemented.

[0125] An embodiment of the present invention also provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it implements the above-mentioned inter-bank credit card repayment method based on 5G messages.

[0126] 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.

[0127] 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.

[0128] 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.

[0129] 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.

[0130] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A credit card inter-bank repayment method based on 5G messages, characterized in that: Applied to inter-bank transaction service nodes, including: Generate an inter-bank contract data table based on the contracted customer information sent by the 5G message service processing node, where the contracted customer information is sent by the 5G message service processing node after the 5G message service processing node receives the inter-bank contract application sent by the 5G client and authenticates the customer's identity; Conduct inter-bank contract signing based on the contracted customer information in the inter-bank contract data table and the reserved customer information fed back by the intra-bank information interaction service nodes of each bank; Verify the repayment customer information sent by the 5G message service processing node. The repayment customer information is sent by the 5G message service processing node after the 5G message service processing node receives the inter-bank repayment application sent by the 5G client and authenticates the customer's identity; After verification, a service adjustment request is sent to the in-bank information interaction service node of each bank, and the in-bank information interaction service node of each bank adjusts the customer account based on the service adjustment request.

2. The method according to claim 1, characterized in that Based on the contracted customer information in the inter-bank contract data table and the reserved customer information fed back by the intra-bank information interaction service nodes of each bank, inter-bank contract is signed, including: Sending a customer data query command to the in-bank information interaction service node of each bank, wherein the customer data query command is used by the in-bank information interaction service node to query the customer information reserved by the user in the bank; Receive customer information reserved by users in the bank fed back by the bank's information interaction service node; Determine whether the contracted customer information in the inter-bank contract data table is the same as the customer information reserved by the receiving user within the bank; If they are the same, the contract is signed successfully; If they are different, determine whether the customer can continue to sign the contract through risk identification; If possible, confirm that the contract is signed successfully; If not, the contract signing is deemed to have failed.

3. The method according to claim 1, characterized in that Also includes: If the contracted customer information in the inter-bank contract data table is different from the customer information reserved by the receiving user within the bank, the contracted customer information in the inter-bank contract data table is sent to the intra-bank information interaction service node of each bank, and the intra-bank information interaction service node replaces the customer information reserved within the bank after receiving the customer information.

4. The method according to claim 1, characterized in that Also includes: After confirming that the contract is successful, a contract success message is sent to the 5G message service processing node. The contract success message is used by the 5G message service processing node to send a 5G card message based on the successful contract to the 5G client.

5. The method according to claim 1, characterized in that Through risk identification, determine whether the customer can continue to sign the contract, including: Call the risk identification service to determine whether the contracted customer information meets the risk control standards; If the conditions are met, it is determined that the customer can continue to sign the contract, and the contract customer information in the inter-bank contract data table is sent to the internal information exchange service nodes of each bank; If it does not meet the requirements, it is determined that the customer cannot continue to sign the contract.

6. The method according to claim 1, characterized in that Also includes: After determining that the contract signing has failed, extract the missing customer information and send a contract termination command to the 5G message service processing node and the internal information interaction service node; The termination contract command is used by the 5G message service processing node to generate a supplementary customer information task and send a 5G card message based on the supplementary customer information task to the 5G client.

7. The method according to claim 1, characterized in that Also includes: When the verification fails, the customer information is sent to the intra-bank information interaction service nodes of each bank; wherein, the intra-bank information interaction service node, when receiving a service adjustment request but not receiving customer information, directly makes intra-bank account adjustments; after receiving the customer information, the customer authentication is performed through the customer authentication service, and if the customer authentication passes and after receiving the service adjustment request, the intra-bank account adjustments are performed.

8. The method according to claim 1, characterized in that Also includes: After receiving the inter-bank task execution completion message, the task completion message is sent to the 5G message service processing node; wherein, the inter-bank task execution completion message is sent by the intra-bank information interaction service node after the account adjustment is completed and the financial processing is determined to be successful; after receiving the task completion message, the 5G message service processing node sends a 5G card message to the 5G client.

9. A credit card inter-bank repayment device based on 5G messages, characterized in that: Applied to inter-bank transaction service nodes, including: An inter-bank contract data table generation module is used to generate an inter-bank contract data table according to the contract customer information sent by the 5G message service processing node. The contract customer information is sent by the 5G message service processing node after the 5G message service processing node receives the inter-bank contract application sent by the 5G client and authenticates the customer identity and passes the authentication; The inter-bank contract signing module is used to perform inter-bank contract signing based on the contracting customer information in the inter-bank contract signing data table and the intra-bank reserved customer information fed back by the intra-bank information interaction service nodes of each bank; An information verification module is used to verify the repayment customer information sent by the 5G message service processing node. The repayment customer information is sent by the 5G message service processing node after the 5G message service processing node receives the inter-bank repayment application sent by the 5G client and authenticates the customer's identity; The account adjustment module is used to send a service adjustment request to the in-bank information interaction service node of each bank after verification, and the in-bank information interaction service node of each bank adjusts the customer account based on the service adjustment request.

10. A credit card inter-bank repayment system based on 5G messages, characterized in that: include: 5G client, 5G message service processing node, inter-bank transaction service node and each bank's internal information interaction service node; among them, 5G client, used to send an inter-bank contract application to the 5G message service processing node; The 5G message service processing node is used to authenticate the customer's identity after receiving the inter-bank contract application sent by the 5G client; after the identity authentication is passed, the contract customer information is sent to the inter-bank transaction service node; The inter-bank transaction service node is used to generate an inter-bank contract data table based on the contract customer information sent by the 5G message service processing node; and to conduct inter-bank contract signing based on the contract customer information in the inter-bank contract data table and the reserved customer information within the bank fed back by the internal information interaction service node of each bank; The 5G client is also used to: send inter-bank repayment applications to the 5G message service processing node; The 5G message service processing node is also used to: after receiving the inter-bank repayment application sent by the 5G client, authenticate the customer's identity; after the identity authentication is passed, send the repayment customer information to the inter-bank transaction service node; The inter-bank transaction service node is also used to: check the repayment customer information received, and after the check is passed, send a service adjustment request to the intra-bank information interaction service node of each bank; The intra-bank information interaction service node is further used to adjust the customer account based on the service adjustment request.

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 computer program, the method according to any one of claims 1 to 8 is implemented.

12. 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 8 is implemented.

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