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

Abstract

The application discloses a credit card cross-bank repayment method, device and system based on 5G messages, relates to the technical field of 5G messages, and can be applied to the field of financial technology, and the method comprises the following steps: generating cross-bank signing data table according to signing customer information, wherein the signing customer information is sent by a 5G message service processing node after identity authentication of the customer and passing of the cross-bank signing application; performing cross-bank signing according to the signing customer information and in-bank reserved customer information fed back by an in-bank information interaction service node of each bank; checking repayment customer information, wherein the repayment customer information is sent by the 5G message service processing node after identity authentication of the customer and passing of the cross-bank repayment application; and sending a service adjustment request to the in-bank information interaction service node of each bank after the checking, and the in-bank information interaction service node of each bank adjusts the customer account based on the service adjustment request. The application has good data security and reliability.

Description

TECHNICAL FIELD

[0001] The present application relates to the field of 5G technology, and can be used in the field of financial technology, and particularly relates to a credit card cross-bank repayment method, device and system based on 5G messages. BACKGROUND

[0002] This section is intended to provide background or context to the embodiments of the application recited in the claims. The description herein does not constitute admission that the prior publication, square, or subject matter described herein and / or the material contained therein is prior art to the present application.

[0003] Credit cards can be repaid across banks. In terms of operation, cross-bank repayment can be performed at a bank counter or an automatic teller machine, or cross-bank repayment can be performed on the online bank of a debit card.

[0004] If the cross-bank repayment mode is selected for credit card repayment, attention must be paid to the fact that the arrival time and the recovery time of the credit limit of cross-bank repayment cannot be confirmed immediately, and an interval of 1-2 working days is required. Due to the particularity of credit cards, it cannot be ensured that the cross-bank repayment will arrive on the same day, so when cross-bank repayment is performed, a certain period of time must be left to prevent overdue. In addition, the cross-bank repayment operation is complex and requires multiple verifications, which is inconvenient for customers, and if the complex verification is not performed, the security will be greatly reduced.

[0005] Specifically, cross-bank credit card repayment includes cross-bank signing and cross-bank transaction processing. In the cross-bank signing process, the signing information is transmitted in a serial manner between the signing initiator, the cross-bank processing center and the signing acceptor, so that the reliability and timeliness of cross-bank signing are poor.

[0006] Therefore, there is currently a need for a fast and secure credit card cross-bank repayment scheme to shorten the business process of credit card cross-bank repayment and improve the security and reliability of data. SUMMARY

[0007] In a first aspect, the embodiments of the present application provide a credit card cross-bank repayment method based on 5G messages, applied to a 5G message business processing node, and the security and reliability of data are good, and the method comprises the following steps:

[0008] According to the signing customer information sent by the 5G message business processing node, a cross-bank signing data table is generated, and the signing customer information is sent by the 5G message business processing node after receiving the cross-bank signing application sent by the 5G client and passing the identity authentication of the customer;

[0009] According to the signing customer information in the cross-bank signing data table and the in-bank reserved customer information fed back by the in-bank information interaction service node of each bank, cross-bank signing is performed;

[0010] 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 identity authentication of the customer and passing of the 5G message service processing node after receiving the cross-bank repayment application sent by the 5G client.

[0011] After the check passing, 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 the second aspect, the embodiment of the application further provides another credit card cross-bank repayment device based on 5G message, applied to a 5G message service processing node, and having good data security and reliability, and comprising:

[0013] The cross-bank signing data table generation module is configured to generate a cross-bank signing data table according to the signing customer information sent by the 5G message service processing node, and the signing customer information is sent by the 5G message service processing node after identity authentication of the customer and passing of the 5G message service processing node after receiving the cross-bank signing application sent by the 5G client.

[0014] The cross-bank signing module is configured to perform cross-bank signing according to the signing customer information in the cross-bank signing data table and the in-bank reserved customer information fed back by the in-bank information interaction service node of each bank.

[0015] The information checking module is configured to check the repayment customer information sent by the 5G message service processing node, and the repayment customer information is sent by the 5G message service processing node after identity authentication of the customer and passing of the 5G message service processing node after receiving the cross-bank repayment application sent by the 5G client.

[0016] The account adjustment module is configured to send a service adjustment request to the in-bank information interaction service node of each bank after the check passing, 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 application provides a credit card cross-bank repayment system based on 5G message, and the system has good data security and reliability, and comprises a 5G client, a 5G message service processing node, a cross-bank transaction service node and in-bank information interaction service nodes of banks.

[0018] The 5G client is configured to send a cross-bank signing application to the 5G message service processing node.

[0019] The 5G message service processing node is configured to perform identity authentication on the customer after receiving the cross-bank signing application sent by the 5G client, and send signing customer information to the cross-bank transaction service node after the identity authentication passing.

[0020] The cross-bank transaction service node is configured to generate a cross-bank subscription data table according to the subscription customer information sent by the 5G message service processing node, and perform cross-bank subscription according to the subscription customer information in the cross-bank subscription data table and the in-bank reserved customer information fed back by the in-bank information interaction service node of each bank.

[0021] The 5G client is further configured to send a cross-bank repayment application to the 5G message service processing node.

[0022] The 5G message service processing node is further configured to perform identity authentication on the customer after receiving the cross-bank repayment application sent by the 5G client, and send repayment customer information to the cross-bank transaction service node after the identity authentication is passed.

[0023] The cross-bank transaction service node is further configured to check the received repayment customer information, and send a service adjustment request to the in-bank information interaction service node of each bank after the check is passed.

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

[0025] In a fourth aspect, an embodiment of the present application further provides a computer device, which comprises a memory, a processor, and a computer program stored in the memory and capable of running on the processor, and the processor implements the cross-bank repayment method based on 5G messages when executing the computer program.

[0026] In a fifth aspect, an embodiment of the present application further provides a computer readable storage medium, which stores a computer program, and the computer program is executed by a processor to implement the cross-bank repayment method based on 5G messages.

[0027] In the embodiment of the present application, the cross-bank subscription data table is generated according to the subscription customer information sent by the 5G message service processing node, the subscription customer information is sent by the 5G message service processing node after receiving the cross-bank subscription application sent by the 5G client and after the identity authentication of the customer and passing; the cross-bank subscription is performed according to the subscription customer information in the cross-bank subscription 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, the repayment customer information is sent by the 5G message service processing node after receiving the cross-bank repayment application sent by the 5G client and after the identity authentication of the customer and passing; after the check is passed, the 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 application, the customer identity authentication required by the in-bank information interaction service of each bank is given to the 5G message service processing node for unified processing, and the identity authentication of each bank is not required, thereby shortening the business process of cross-bank credit card repayment, and the security and reliability of the data for identity authentication by the 5G message service processing node are high; in addition, the cross-bank transaction service node can coordinate the in-bank information interaction service node of each bank to schedule the subscription and repayment, thereby further improving the efficiency of the business process of cross-bank credit card repayment. BRIEF DESCRIPTION OF DRAWINGS

[0028] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the prior art, the following will briefly introduce the drawings needed to be used in the embodiments or prior art description. Obviously, the drawings in the following description are only some embodiments of the present application, and other drawings can be obtained by those skilled in the art without creative labor. In the drawings:

[0029] Figure 1 The flowchart of the credit card cross-bank repayment method based on 5G message in the embodiment of the present application;

[0030] Figure 2 The detailed flowchart of the cross-bank subscription of multiple nodes in the embodiment of the present application;

[0031] Figure 3 The detailed flowchart of the cross-bank transaction processing of multiple nodes;

[0032] Figure 4 The schematic diagram of the credit card cross-bank repayment device based on 5G message in the embodiment of the present application;

[0033] Figure 5 The schematic diagram of the credit card cross-bank repayment system based on 5G message in the embodiment of the present application;

[0034] Figure 6 It is a schematic diagram of a computer device in the embodiment of the present application. DETAILED DESCRIPTION

[0035] To make the purpose, technical solutions and advantages of the embodiment of the present application more clear, the embodiment of the present application is further described in detail below in combination with the drawings. Herein, the schematic embodiment of the present application and its description are used to explain the present application, but not as a limitation to the present application.

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

[0037] Figure 1 It is a flowchart of the credit card cross-bank repayment method based on 5G messages in the embodiment of the present application, and the credit card cross-bank repayment method based on 5G messages is applied to a cross-bank transaction service node, comprising:

[0038] Step 101, generating a cross-bank subscription data table according to the subscription customer information sent by the 5G message business processing node, wherein the subscription customer information is sent by the 5G message business processing node after the identity authentication of the customer and passing after receiving the cross-bank subscription application sent by the 5G client;

[0039] Step 102, performing cross-bank subscription according to the subscription customer information in the cross-bank subscription data table and the in-bank reserved customer information fed back by the in-bank information interaction service node of each bank;

[0040] Step 103, checking the repayment customer information sent by the 5G message business processing node, wherein the repayment customer information is sent by the 5G message business processing node after the identity authentication of the customer and passing after receiving the cross-bank repayment application sent by the 5G client;

[0041] Step 104, after the checking and passing, sending a service adjustment request 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 application, the identity authentication of the customer required by the in-bank information interaction service of each bank is given to the 5G message business processing node to be uniformly performed, and the identity authentication of each bank does not need to be performed one by one, thereby shortening the business process of the credit card cross-bank repayment, and the security and reliability of the data for the identity authentication performed by the 5G message business processing node are high; in addition, the cross-bank transaction service node can coordinate the in-bank information interaction service node of each bank to perform the scheduling of subscription and repayment, thereby further improving the efficiency of the business process of the credit card cross-bank repayment.

[0043] In the embodiment of the present application, the 5G client can be a mobile phone terminal, providing a SIM card service.

[0044] In the embodiment of the present application, the cross-bank repayment specifically includes two steps of cross-bank signing and cross-bank transaction processing, wherein steps 101-102 are the cross-bank signing process, and steps 103-104 are the cross-bank transaction processing process.

[0045] In an embodiment, the cross-bank signing is performed according to the signing customer information in the cross-bank signing data table and the in-bank reserved customer information fed back by the in-bank information interaction service node of each bank, and includes:

[0046] sending a customer data query command to the in-bank information interaction service node of each bank, the customer data query command being used for the in-bank information interaction service node to query the in-bank reserved customer information of the user;

[0047] receiving the in-bank reserved customer information of the user fed back by the in-bank information interaction service node;

[0048] judging whether the signing customer information in the cross-bank signing data table is same as the received in-bank reserved customer information of the user;

[0049] if same, determining that the signing is successful;

[0050] if different, judging whether the customer can continue to sign up through risk identification;

[0051] if yes, determining that the signing is successful;

[0052] if no, determining that the signing fails.

[0053] In an embodiment, the method further includes:

[0054] if the signing customer information in the cross-bank signing data table is different from the received in-bank reserved customer information of the user, sending the signing customer information in the cross-bank signing data table to the in-bank information interaction service node of each bank, the in-bank information interaction service node replacing the in-bank reserved customer information after receiving the customer information.

[0055] In an embodiment, the method further includes:

[0056] after determining that the signing is successful, sending signing success information to the 5G message service processing node, the signing success information being used for the 5G message service processing node to send a 5G card message based on the signing success to the 5G client.

[0057] In an embodiment, the judgment of whether the customer can continue to sign up through risk identification includes:

[0058] calling a risk identification service to judge whether the signing customer information meets a risk control standard;

[0059] If yes, it is determined that the customer can continue to sign the contract, and the contract customer information in the cross-bank signing data table is sent to the in-bank information interaction service node of each bank;

[0060] If no, it is determined that the customer cannot continue to sign the contract.

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

[0062] After determining that the signing fails, the customer missing information extraction is performed, and a termination signing command is sent to the 5G message service processing node and the in-bank information interaction service node; the termination signing command is used for 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.

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

[0064] When the check fails, the customer information is sent to the in-bank information interaction service node of each bank; wherein, the in-bank information interaction service node directly performs in-bank account adjustment when receiving the service adjustment request and not receiving the customer information; 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 in-bank account adjustment is performed.

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

[0066] After receiving the cross-bank task execution completion message, a task completion message is sent to the 5G message service processing node; wherein, the cross-bank task execution completion message is sent by the in-bank information interaction service node after the account adjustment is completed and the financial processing is 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 For the detailed flowchart of the cross-bank signing of the plurality of nodes in the embodiment of the application, a complete embodiment is given below.

[0068] The 5G client sends a cross-bank signing application to the 5G message service processing node;

[0069] After receiving the cross-bank signing application sent by the 5G client, the 5G message service processing node performs identity authentication on the customer, and after the identity authentication passes, the signing customer information is uploaded through the API interface provided by the cross-bank transaction service node;

[0070] The cross-bank transaction service node generates a cross-bank signing data table according to the signing customer information, calls the API interface of the in-bank information interaction service node of each bank, and sends a customer data query command to the in-bank information interaction service node of each bank;

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

[0072] The cross-line transaction service node judges whether the signing customer information in the cross-line signing data table is the same as the customer information reserved by the user in line;

[0073] If the same, it is determined that the signing is successful, and the signing success information is sent to the 5G message business processing node;

[0074] If different, the signing customer information in the cross-line signing data table is sent to the in-line information interaction service node of each bank, and the risk identification service is called to judge whether the signing customer information meets the risk control standard;

[0075] If it meets, it is determined that the customer can continue to sign, and the signing success information is sent to the 5G message business processing node; if it does not meet, it is determined that the customer cannot continue to sign, and the customer missing information extraction is performed, and the termination signing command is sent to the 5G message business processing node and the in-line information interaction service node;

[0076] The in-line information interaction service node replaces the customer information reserved in line after receiving the customer information;

[0077] The 5G message business processing node generates a supplementary customer information task after receiving the termination signing command, and sends a 5G card message based on the supplementary customer information task to the 5G client;

[0078] The 5G message business processing node sends a 5G card message based on the signing success to the 5G client after receiving the signing success information.

[0079] Figure 3 The detailed flow chart for cross-line transaction processing of multiple nodes is given below as a complete embodiment.

[0080] The 5G client sends a cross-line repayment application to the 5G message business processing node;

[0081] The 5G message business processing node performs identity authentication on the customer after receiving the cross-line repayment application sent by the 5G client; after the identity authentication is passed, the API interface of the cross-line transaction service node is called, and the customer information is uploaded to the cross-line transaction service node;

[0082] The cross-line transaction service node checks the received customer information, and if the check is passed, generates a cross-line transaction task, and sends a service adjustment request to the in-line information interaction service node of each bank; if the check is not passed, the customer information is sent to the in-line information interaction service node of each bank;

[0083] The in-line information interaction service node directly performs in-line account adjustment upon receiving the service adjustment request and without receiving the customer information, and performs customer authentication through the customer authentication service upon receiving the customer information, and performs in-line account adjustment upon receiving the service adjustment request and passing the customer authentication, and determines that the financial processing is successful upon completing the account adjustment, and sends a cross-bank task execution completion message to the cross-bank transaction service node;

[0084] The cross-bank transaction service node sends a task completion message to the 5G message service processing node upon receiving the cross-bank task execution completion message;

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

[0086] The embodiment of the application also provides a credit card cross-bank repayment device based on 5G messages, which has a similar principle to the credit card cross-bank repayment method based on 5G messages, and will not be described here.

[0087] Figure 4 The credit card cross-bank repayment device based on 5G messages is a schematic diagram of the embodiment of the application, and is applied to a cross-bank transaction service node and includes:

[0088] The cross-bank subscription data table generation module 401 is configured to generate a cross-bank subscription data table according to subscription customer information sent by the 5G message service processing node, wherein the subscription customer information is sent by the 5G message service processing node after identity authentication of the customer is passed upon receiving a cross-bank subscription application sent by the 5G client.

[0089] The cross-bank subscription module 402 is configured to perform cross-bank subscription according to subscription customer information in the cross-bank subscription data table and in-line reserved customer information fed back by the in-line information interaction service node of each bank.

[0090] The information checking module 403 is configured to check 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 identity authentication of the customer is passed upon receiving a cross-bank repayment application sent by the 5G client.

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

[0092] In an embodiment, the cross-bank subscription module is specifically configured to:

[0093] sending a customer data query command to the in-bank information interaction service node, the customer data query command being used for the in-bank information interaction service node to query customer information reserved by the user in the bank;

[0094] receiving customer information reserved by the user in the bank fed back by the in-bank information interaction service node;

[0095] determining whether the customer information for signing in the cross-bank signing data table is same as the customer information reserved by the user in the bank received;

[0096] if same, determining that the signing succeeds;

[0097] if different, judging whether the customer can continue to sign through risk identification;

[0098] if yes, determining that the signing succeeds;

[0099] if no, determining that the signing fails.

[0100] In an embodiment, the cross-bank signing module is specifically configured to:

[0101] if the customer information for signing in the cross-bank signing data table is different from the customer information reserved by the user in the bank received, sending the customer information for signing in the cross-bank signing data table to the in-bank information interaction service node of each bank, the in-bank information interaction service node replacing the customer information reserved in the bank after receiving the customer information.

[0102] In an embodiment, the cross-bank signing module is specifically configured to:

[0103] after determining that the signing succeeds, sending signing success information to the 5G message service processing node, the signing success information being used for the 5G message service processing node to send a 5G card message based on the signing success to the 5G client.

[0104] In an embodiment, the cross-bank signing module is specifically configured to:

[0105] calling a risk identification service to determine whether the customer information for signing meets a risk control standard;

[0106] if yes, determining that the customer can continue to sign, and sending the customer information for signing in the cross-bank signing data table to the in-bank information interaction service node of each bank;

[0107] if no, determining that the customer cannot continue to sign.

[0108] In an embodiment, the cross-bank signing module is specifically configured to:

[0109] After determining the subscription failure, customer missing information extraction is performed, and a termination subscription command is sent to the 5G message service processing node and the in-house information interaction service node; the termination subscription command is used for 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.

[0110] In an embodiment, the account adjustment module is specifically used for:

[0111] When the reconciliation fails, the customer information is sent to the in-house information interaction service node of each bank; wherein, the in-house information interaction service node, upon receiving the service adjustment request and without receiving the customer information, directly performs the in-house account adjustment; upon receiving the customer information, performs customer authentication through the customer authentication service, and if the customer authentication passes and upon receiving the service adjustment request, performs the in-house account adjustment.

[0112] In an embodiment, the account adjustment module is specifically used for:

[0113] Upon receiving the cross-bank task execution completion message, the task completion message is sent to the 5G message service processing node; wherein, the cross-bank task execution completion message is sent by the in-house information interaction service node upon completion of the account adjustment and upon determination of the financial processing success; upon receiving the task completion message, the 5G message service processing node sends a 5G card message to the 5G client.

[0114] The embodiment of the present application also proposes a credit card cross-bank repayment system based on 5G messages, which has a principle similar to the credit card cross-bank repayment method based on 5G messages, and will not be described here.

[0115] Figure 5 The schematic diagram of the credit card cross-bank repayment system based on 5G messages in the embodiment of the present application includes: a 5G client 501, a 5G message service processing node 502, a cross-bank transaction service node 503, and in-house information interaction service nodes 504 of each bank; wherein,

[0116] The 5G client 501 is used for sending a cross-bank subscription application to the 5G message service processing node;

[0117] The 5G message service processing node 502 is used for performing identity authentication on the customer upon receiving the cross-bank subscription application sent by the 5G client; and sending subscription customer information to the cross-bank transaction service node upon passing the identity authentication;

[0118] The cross-bank transaction service node 503 is used for generating a cross-bank subscription data table according to the subscription customer information sent by the 5G message service processing node; and performing cross-bank subscription according to the subscription customer information in the cross-bank subscription data table and the in-house reserved customer information fed back by the in-house information interaction service nodes 504 of each bank.

[0119] The 5G client 501 is further configured to send a cross-bank repayment application to the 5G message service processing node;

[0120] The 5G message service processing node 502 is further configured to perform identity authentication on the client after receiving the cross-bank repayment application sent by the 5G client, and send repayment client information to the cross-bank transaction service node after the identity authentication is passed.

[0121] The cross-bank transaction service node 503 is further configured to check the received repayment client information, and send a service adjustment request to the in-bank information interaction service node of each bank after the check is passed.

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

[0123] According to the above, in the method, device and system provided by the embodiment of the present application, the cross-bank subscription data table is generated according to the subscription client information sent by the 5G message service processing node, the subscription client information is sent by the 5G message service processing node after receiving the cross-bank subscription application sent by the 5G client, performing identity authentication on the client and passing; cross-bank subscription is performed according to the subscription client information in the cross-bank subscription data table and the in-bank reserved client information fed back by the in-bank information interaction service node of each bank; the repayment client information sent by the 5G message service processing node is checked, the repayment client information is sent by the 5G message service processing node after receiving the cross-bank repayment application sent by the 5G client, performing identity authentication on the client and passing; after the check 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 account of the client based on the service adjustment request. The identity authentication of the in-bank information interaction service of each bank in the embodiment of the present application is given to the 5G message service processing node for unified processing, and the identity authentication of each bank is not performed one by one, so that the business process of cross-bank repayment of credit cards is shortened, and the security and reliability of the data for identity authentication by the 5G message service processing node are high; in addition, the cross-bank transaction service node can coordinate the in-bank information interaction service node of each bank to perform subscription and repayment scheduling, and further improve the efficiency of the business process of cross-bank repayment of credit cards.

[0124] The embodiment of the present application further provides a computer device, Figure 6 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, and the processor 620 implements the above-mentioned credit card cross-bank repayment method based on 5G message when executing the computer program 630.

[0125] The embodiment of the present application also provides a computer readable storage medium, which stores a computer program, and the computer program is executed by a processor to realize the credit card cross-bank repayment method based on a 5G message.

[0126] Those skilled in the art should understand that the embodiments of the present application can be provided as a method, a system, or a computer program product. Therefore, the present application can adopt a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present application can adopt a computer program product in the form of being 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.

[0127] The present application is described with reference to flowcharts and / or block diagrams of the method, device (system), and computer program product according to the embodiments of the present application. It should be understood that each flow and / or block in the flowcharts and / or block diagrams, and the combination of the flows and / or blocks in the flowcharts and / or block diagrams 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 devices to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing devices generate a means for implementing the functions specified in the flowcharts and / or block diagrams. Figure 1 one or more flows and / or blocks Figure 1 means for carrying out the functions specified in one or more blocks.

[0128] These computer program instructions can also be stored in a computer readable storage medium capable of guiding a computer or other programmable data processing devices to work in a specific manner, so that the instructions stored in the computer readable storage medium produce a product including instruction means, which implements the functions specified in the flowcharts and / or block diagrams. Figure 1 one or more flows and / or blocks Figure 1 means for carrying out the functions specified in one or more blocks.

[0129] These computer program instructions can also be loaded into a computer or other programmable data processing device, so that a series of operation steps are performed on the computer or other programmable data processing device to produce a computer implemented process, so that the instructions executed on the computer or other programmable device provide a means for implementing the functions specified in the flowcharts and / or block diagrams. Figure 1 one or more flows and / or blocks Figure 1 means for carrying out the functions specified in one or more blocks.

[0130] The above-described specific embodiments further illustrate the purpose, technical solutions and beneficial effects of the present application. It should be understood that the above-described specific embodiments are merely examples of the present application and are not intended to limit the protection scope of the present application. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A 5G message-based credit card cross-bank repayment method, characterized by, The application is applied to a cross-bank transaction service node, comprising: generating a cross-bank subscription data table according to subscription customer information sent by a 5G message service processing node, wherein the subscription customer information is sent by the 5G message service processing node after the 5G message service processing node receives a cross-bank subscription application sent by a 5G client, authenticates the identity of the customer and passes the authentication; carrying out cross-bank subscription according to subscription customer information in the cross-bank subscription data table and in-bank reserved customer information fed back by an in-bank information interaction service node of each bank; checking 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 a cross-bank repayment application sent by the 5G client, authenticates the identity of the customer and passes the authentication; after the checking passes, sending a service adjustment request to the in-bank information interaction service node of each bank, and adjusting the account of the customer based on the service adjustment request by the in-bank information interaction service node of each bank.

2. The method of claim 1, wherein, carrying out cross-bank subscription according to subscription customer information in the cross-bank subscription data table and in-bank reserved customer information fed back by an in-bank information interaction service node of each bank, comprising: 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 for the in-bank information interaction service node to query in-bank reserved customer information of the user; receiving in-bank reserved customer information of the user fed back by the in-bank information interaction service node; judging whether the subscription customer information in the cross-bank subscription data table is the same as the received in-bank reserved customer information of the user; if the same, determining that the subscription is successful; if different, judging whether the customer can continue to subscribe through risk identification; if yes, determining that the subscription is successful; if no, determining that the subscription fails.

3. The method of claim 1, wherein, further comprising: if the subscription customer information in the cross-bank subscription data table is different from the received in-bank reserved customer information of the user, sending the subscription customer information in the cross-bank subscription data table to the in-bank information interaction service node of each bank, wherein the in-bank information interaction service node replaces the in-bank reserved customer information after receiving the customer information.

4. The method of claim 1, wherein, further comprising: after determining that the subscription is successful, sending subscription success information to the 5G message service processing node, wherein the subscription success information is used for the 5G message service processing node to send a 5G card message based on the subscription success to the 5G client.

5. The method of claim 1, wherein, judging whether the customer can continue to subscribe through risk identification, comprising: calling a risk identification service to judge whether the subscription customer information meets a risk control standard; if yes, determining that the customer can continue to subscribe, and sending the subscription customer information in the cross-bank subscription data table to the in-bank information interaction service node of each bank; if no, determining that the customer cannot continue to subscribe.

6. The method of claim 1, wherein, further comprising: after determining that the subscription fails, extracting missing customer information, and sending a termination subscription command to the 5G message service processing node and the in-bank information interaction service node; the termination subscription command is used for 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 of claim 1, wherein, further comprising: When the collation fails, the client information is sent to the in-bank information interaction service node of each bank; wherein, the in-bank information interaction service node directly performs in-bank account adjustment when receiving the service adjustment request and not receiving the client information; after receiving the client information, the in-bank information interaction service node performs client authentication through the client authentication service, and if the client authentication passes and after receiving the service adjustment request, the in-bank information interaction service node performs in-bank account adjustment.

8. The method of claim 1, wherein, Also comprising: After receiving the cross-bank task execution completion message, the task completion message is sent to the 5G message service processing node; wherein, the cross-bank task execution completion message is sent by the in-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 the 5G card message to the 5G client. 9.A 5G message based credit card cross-bank repayment device, characterized in that, Applied to the cross-bank transaction service node, comprising: The cross-bank signing data table generation module is configured to generate a cross-bank signing data table according to the signing client information sent by the 5G message service processing node, wherein the signing client information is sent by the 5G message service processing node after the 5G client sends a cross-bank signing application and the client is authenticated and passed; The cross-bank signing module is configured to perform cross-bank signing according to the signing client information in the cross-bank signing data table and the in-bank reserved client information fed back by the in-bank information interaction service node of each bank; The information collation module is configured to collate the repayment client information sent by the 5G message service processing node, wherein the repayment client information is sent by the 5G message service processing node after the 5G client sends a cross-bank repayment application and the client is authenticated and passed; The account adjustment module is configured to send a service adjustment request to the in-bank information interaction service node of each bank after the collation passes, and the in-bank information interaction service node of each bank adjusts the account of the client based on the service adjustment request.

10. A credit card cross-bank repayment system based on a 5G message, characterized by, Comprising: The 5G client, the 5G message service processing node, the cross-bank transaction service node and the in-bank information interaction service node of each bank; wherein, The 5G client is configured to send a cross-bank signing application to the 5G message service processing node; The 5G message service processing node is configured to authenticate the client after receiving the cross-bank signing application sent by the 5G client; and send the signing client information to the cross-bank transaction service node after the authentication passes; The cross-bank transaction service node is configured to generate a cross-bank signing data table according to the signing client information sent by the 5G message service processing node; and perform cross-bank signing according to the signing client information in the cross-bank signing data table and the in-bank reserved client information fed back by the in-bank information interaction service node of each bank; The 5G client is further configured to send a cross-bank repayment application to the 5G message service processing node; The 5G message service processing node is further configured to authenticate the client after receiving the cross-bank repayment application sent by the 5G client; and send the repayment client information to the cross-bank transaction service node after the authentication passes; The cross-bank transaction service node is further configured to collate the received repayment client information, and send a service adjustment request to the in-bank information interaction service node of each bank after the collation passes; The in-line information interaction service node is further configured 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 on the memory and executable on the processor, characterized in that, The processor implements the method in any one of claims 1-8 when executing the computer program.

12. A computer-readable storage medium, characterized in that, The computer readable storage medium stores a computer program, and the computer program is executed by the processor to implement the method in any one of claims 1-8. The computer readable storage medium stores a computer program, and the computer program is executed by the processor to implement the method in any one of claims 1-8.

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