Medical payment data processing method and device based on 5G message

Abstract

The present invention proposes a medical payment data processing method and device based on 5G messages, which relates to the field of 5G technology and can be used in the field of financial technology. The method includes: constructing an identity recognition feature database; obtaining a medical payment request initiated by a user terminal, performing information authentication based on the user's mobile phone number information, obtaining user authentication information, and calling the user terminal to collect the user's identity recognition features; identifying the user's identity recognition features and user authentication information based on the identity recognition feature database, matching and verifying the identification results with the user's medical information, and generating a medical redemption preprocessing task based on the user's medical information after the verification is passed; sending the medical redemption preprocessing task to the user using a 5G message based on the user's mobile phone number information; activating the bank teaching task based on the medical redemption preprocessing task, deducting the payment amount from the user's corresponding account, generating a payment voucher and feeding back the payment voucher to the user terminal using a 5G message.

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 relates to a medical payment data processing method and device based on 5G messages. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. No statement herein is admitted to be prior art by virtue of its inclusion in this section.

[0003] Currently, when users visit hospitals and pay their medical bills, they usually go to the hospital payment window or self-service payment machine with their physical or electronic medical insurance cards to pay. This method requires users to wait in line and the hospital payment staff must handle the process, which results in high labor costs, low payment processing efficiency, and poor user experience.

[0004] With the increasing number of bank-hospital collaborations and the increasing importance of mobile phones as an essential tool in daily life, there is no reasonable, efficient, or secure technical solution for information exchange and medical payment data processing between banks and hospitals. Therefore, a technical solution is urgently needed that can overcome these shortcomings, improve the efficiency of information exchange and medical payment data processing between banks and hospitals, and ensure payment security. Summary of the Invention

[0005] In order to solve the problems existing in the existing technology, the present invention proposes a medical payment data processing method and device based on 5G messages, which can realize information interaction between banks and hospitals. Through the cooperation between banks and hospitals to process medical payment bills, the convenience and security of payment can be improved, and a more convenient payment method can be provided for users, and the cash management pressure of hospitals can be reduced.

[0006] In a first aspect of an embodiment of the present invention, a medical payment data processing method based on 5G messages is proposed, comprising:

[0007] Constructing an identity recognition feature database; wherein the data in the identity recognition feature database has been authorized for use by the user;

[0008] Obtaining a medical payment request initiated by a user terminal, the medical payment request carrying the user's mobile phone number and the user's medical treatment information, performing information authentication based on the user's mobile phone number in the medical payment request to obtain user authentication information, and calling the user terminal to collect the user's identity identification features based on the user authentication information;

[0009] Identify the user's identity recognition features according to the identity recognition feature database, determine an identity recognition matching value, calculate the difference between the identity recognition matching value and the matching threshold, and determine the identity feature recognition result and payment method according to the difference; wherein, after the identity feature recognition result is recognized as passed, generate a medical payment pre-processing task based on the user's medical information; the medical payment pre-processing task includes the payment amount, user name, identity ID and payment method;

[0010] According to the user's mobile phone number information, the medical payment pre-processing task is sent to the user by using 5G message, so that the user can choose the payment method according to the medical payment pre-processing task;

[0011] Receive the payment method sent by the user through the user terminal using 5G messages, call the payment interface to generate a bank payment task, activate the bank payment task according to the user name and identity ID in the medical redemption preprocessing task, deduct the payment amount from the user's corresponding account, generate a payment voucher and use 5G messages to feedback the payment voucher to the user terminal.

[0012] In a second aspect of an embodiment of the present invention, a medical payment data processing device based on 5G messages is proposed, comprising:

[0013] A database construction module is used to construct an identity recognition feature database; wherein the data in the identity recognition feature database has been authorized for use by the user;

[0014] a request processing module, configured to obtain a medical payment request initiated by a user terminal, the medical payment request carrying the user's mobile phone number and medical consultation information, perform information authentication based on the user's mobile phone number in the medical payment request to obtain user authentication information, and invoke the user terminal to collect the user's identity identification features based on the user authentication information;

[0015] An identity recognition module is configured to identify the user's identity recognition features based on the identity recognition feature database, determine an identity recognition matching value, calculate the difference between the identity recognition matching value and a matching threshold, and determine an identity feature recognition result and a payment method based on the difference; wherein, if the identity feature recognition result is a passing recognition, a medical payment pre-processing task is generated based on the user's medical information; the medical payment pre-processing task includes the payment amount, user name, identity ID, and payment method;

[0016] A task sending module is used to send the medical payment pre-processing task to the user using 5G messages based on the user's mobile phone number information, so that the user can choose a payment method based on the medical payment pre-processing task;

[0017] The payment processing module is used to receive the payment method sent by the user through the user terminal using 5G messages, call the payment interface to generate a bank payment task, activate the bank payment task according to the user name and identity ID in the medical redemption pre-processing task, deduct the payment amount from the user's corresponding account, generate a payment voucher and use 5G messages to feed back the payment voucher to the user terminal.

[0018] In a third aspect of an embodiment of the present invention, a computer device is proposed, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements a medical payment data processing method based on 5G messages when executing the computer program.

[0019] In a fourth aspect of an embodiment of the present invention, a computer-readable storage medium is proposed, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, a medical payment data processing method based on 5G messages is implemented.

[0020] In a fifth aspect of an embodiment of the present invention, a computer program product is proposed, which includes a computer program, and when the computer program is executed by a processor, it implements a medical payment data processing method based on 5G messages.

[0021] The medical payment data processing method and device based on 5G messages proposed in the present invention construct an identity recognition feature database; wherein the data in the identity recognition feature database has been authorized for use by the user; obtain a medical payment request initiated by a user terminal, wherein the medical payment request carries the user's mobile phone number information and the user's medical treatment information, performs information authentication based on the user's mobile phone number information in the medical payment request, obtains user authentication information, and calls the user terminal to collect the user's identity recognition features based on the user authentication information; identifies the user's identity recognition features based on the identity recognition feature database, determines the identity recognition matching value, calculates the difference between the identity recognition matching value and the matching threshold, and determines the identity feature recognition result and payment method based on the difference. Formula; wherein, after the identity feature recognition result is recognized as passed, a medical payment pre-processing task is generated according to the user's medical information; the medical payment pre-processing task includes the payment amount, user name, identity ID and payment method; according to the user's mobile phone number information, the medical payment pre-processing task is sent to the user by using 5G message, so that the user can select the payment method according to the medical payment pre-processing task; the payment method sent by the user through the user terminal by using 5G message is received, the payment interface is called to generate a bank payment task, the bank payment task is activated according to the user name and identity ID in the medical payment pre-processing task, the payment amount is deducted from the user's corresponding account, a payment voucher is generated and the payment voucher is fed back to the user terminal by using 5G message. The overall solution allows users to use 5G messages through terminals to realize identity verification, medical payment bill processing and medical payment. In actual application scenarios, the information interaction between banks and hospitals is opened up through the identity recognition feature database, and user identity authentication is performed in multiple dimensions such as identity recognition feature database and mobile phone number authentication to ensure the accuracy and security of identity matching and verification, protect user property safety, and improve the processing efficiency of medical payment data of banks and hospitals, providing strong technical support for the business scenarios of bank-medical cooperation. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the description of the embodiments. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0023] Figure 1 This is a flow chart of a medical payment data processing method based on 5G messages according to an embodiment of the present invention.

[0024] Figure 2 Schematic diagram of the architecture of an identity recognition feature database according to an embodiment of the present invention.

[0025] Figure 3 It is a schematic diagram of a specific process of constructing an identity recognition feature database according to an embodiment of the present invention.

[0026] Figure 4 FIG. 4 is a flowchart illustrating a process for processing a medical payment request according to an embodiment of the present invention.

[0027] Figure 5 It is a flowchart of performing information matching and verification based on an identity recognition feature database according to an embodiment of the present invention.

[0028] Figure 6 FIG. 4 is a flow chart of analyzing identity recognition matching values ​​according to an embodiment of the present invention.

[0029] Figure 7 This is a detailed flowchart of information matching and verification using the first and second identity recognition feature databases according to an embodiment of the present invention.

[0030] Figure 8 The figure is a schematic diagram of the processing flow of medical account payment according to an embodiment of the present invention.

[0031] Figure 9 The figure is a flowchart of medical payment according to an embodiment of the present invention.

[0032] Figure 10 is a schematic diagram of an exemplary application scenario of an embodiment of the present invention.

[0033] Figure 11 This is a schematic diagram of the architecture of a medical payment data processing device based on 5G messages according to an embodiment of the present invention.

[0034] Figure 12 It is a schematic diagram of the structure of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0035] The principles and spirit of the present invention will be described below with reference to several exemplary embodiments. It should be understood that these embodiments are provided solely to enable those skilled in the art to better understand and implement the present invention, and are not intended to limit the scope of the present invention in any way. Rather, these embodiments are provided to make this disclosure more thorough and complete, and to fully convey the scope of the present disclosure to those skilled in the art.

[0036] Those skilled in the art will appreciate that the embodiments of the present invention may be implemented as a system, apparatus, device, method, or computer program product. Therefore, the present disclosure may be implemented in the following forms: entirely in hardware, entirely in software (including firmware, resident software, microcode, etc.), or in a combination of hardware and software.

[0037] According to an embodiment of the present invention, a medical payment data processing method and device based on 5G messages are proposed, which relate to the field of 5G technology and can be used in the field of financial technology.

[0038] The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments of the present invention.

[0039] Figure 1 This is a flow chart of a medical payment data processing method based on 5G messages according to an embodiment of the present invention. Figure 1 As shown, the method includes:

[0040] S101, constructing an identity recognition feature database; wherein the data in the identity recognition feature database has been authorized for use by the user;

[0041] S102: Obtain a medical payment request initiated by a user terminal, the medical payment request carrying the user's mobile phone number and the user's medical treatment information, perform information authentication based on the user's mobile phone number in the medical payment request, obtain user authentication information, and call the user terminal to collect the user's identity identification features based on the user authentication information;

[0042] S103: Identify the user's identity recognition features based on the identity recognition feature database, determine an identity recognition match value, calculate the difference between the identity recognition match value and a match threshold, and determine an identity feature recognition result and a payment method based on the difference; wherein, if the identity feature recognition result is a pass, generate a medical payment pre-processing task based on the user's medical information; the medical payment pre-processing task includes the payment amount, user name, identity ID, and payment method;

[0043] S104: Sending a medical payment pre-processing task to the user using a 5G message based on the user's mobile phone number information, so that the user can select a payment method based on the medical payment pre-processing task;

[0044] S105, receiving the payment method sent by the user through the user terminal using 5G messages, calling the payment agent interface to generate a bank payment agent task, activating the bank payment agent task according to the user name and identity ID in the medical redemption pre-processing task, deducting the payment amount from the user's corresponding account, generating a payment voucher and feeding back the payment voucher to the user terminal using 5G messages.

[0045] In order to explain the above-mentioned medical payment data processing method based on 5G messages more clearly, each step is explained in detail below.

[0046] In one embodiment, in order to ensure the security of information of multiple parties such as hospitals, banks, and users, and to enable the rapid, efficient, and secure processing of medical payment data, this application builds an identity recognition feature database to facilitate information interaction between banks and hospitals, thereby achieving accurate identification of user identities and achieving the above-mentioned purpose. Figure 2 and Figure 3 , Figure 2 This is a schematic diagram of the architecture relationship of the identity recognition feature database. Figure 3 This is a schematic diagram of the specific process of building an identity recognition feature database. Figure 2 and Figure 3 As shown, the specific process of (S101) building the identity recognition feature database is as follows:

[0047] S301, after the user authorizes the collection of identity information, collect the user's identity information and identity recognition features, wherein the user's identity information at least includes the user's name, identity ID, and user mobile phone number information; the identity recognition features at least include one or more of fingerprint scan data, iris scan data, and facial recognition data.

[0048] S302: Construct a first identity recognition feature database and a second identity recognition feature database. The first identity recognition feature database is located at a bank-side node, and the second identity recognition feature database is located at a hospital-side node.

[0049] S303 , extracting feature values ​​from the identity recognition feature, performing random fragmentation processing on the extracted feature values ​​to obtain ciphertext feature fragments, and storing them in the first identity recognition feature database and the second identity recognition feature database respectively.

[0050] After extracting the identity feature values, the extracted features are randomly fragmented to enhance data security. This makes the feature values ​​more difficult to restore and reconstruct, thus improving data confidentiality. The main processes of fragmentation include segmentation, encryption, scrambling, and masking. Segmentation: The extracted feature values ​​are divided into multiple fragments and stored in different locations or databases. This prevents the complete feature value from being restored, even if a fragment is obtained. Encryption: The extracted feature values ​​are encrypted using a secure encryption algorithm and key to protect data confidentiality. The feature value can only be decrypted and restored when needed using the correct key. Scrambling: The order of the feature values ​​is randomly scrambled, losing their original structure and association. This prevents the complete feature value from being restored in its original order, even if a fragment is obtained. Masking: Part of the feature value information is masked or replaced to obfuscate the data. For example, random noise or forged feature values ​​can be used to replace the real feature value.

[0051] In actual application scenarios, when performing fragmentation processing, it is necessary to ensure that the processed data still has sufficient accuracy and availability to ensure the performance and effectiveness of the identity recognition system, and at the same time, to implement data backup and recovery strategies to prevent data loss or inability to restore.

[0052] S304: Create an index of the ciphertext feature fragments and the user identity information, and use the index to identify the user identity information when matching and verifying the identity recognition features.

[0053] In one specific embodiment, building an identity recognition feature database requires collecting a large amount of identity recognition feature data, such as facial images, fingerprint data, and iris scans. The collection of this data has been authorized by the user. The collected data is preprocessed, including image quality improvement, feature extraction, and normalization to ensure data consistency and accuracy. Feature extraction is performed on the data, using computer vision and pattern recognition techniques to extract key identity recognition features from the collected data. For facial data, facial recognition algorithms can be used to extract key points and texture features; for fingerprint data, fingerprint recognition algorithms can be used to extract detailed features.

[0054] When storing data, select a database management system to store the extracted identity feature data, ensuring database security and reliability to prevent unauthorized access and data leakage. Furthermore, to quickly retrieve and match identity features, set up database indexes and implement efficient query algorithms to improve the performance and responsiveness of the identity recognition system. When building the identity feature database, set up database access permissions to ensure database security.

[0055] In one embodiment, reference Figure 4 (S102) obtaining a medical payment request initiated by a user terminal, wherein the medical payment request carries the user's mobile phone number information and the user's medical treatment information, performing information authentication based on the user's mobile phone number information in the medical payment request, obtaining user authentication information, and calling the user terminal to collect the user's identity recognition features based on the user authentication information. The specific process is as follows:

[0056] S401, after the user terminal initiates a medical payment request, it jumps to the bank's face verification page, calls the face collection module of the user terminal to collect face information, and triggers the operator to perform information authentication.

[0057] S402: The operator authenticates the user's mobile phone number information in the medical payment request, obtains user authentication information, and pushes the user authentication information to the bank end node.

[0058] Carrier information authentication involves verifying a user's identity and permissions to ensure access to specific information or services. This involves user identity verification, access control, data encryption, and other technical measures to protect user privacy and data security. Carrier information authentication helps prevent unauthorized access to sensitive information, safeguarding user personal information, and ensuring that users enjoy legitimate services and rights. It is crucial for protecting user rights and data security.

[0059] In one embodiment, reference Figure 5 (S103) Identify the user's identity recognition features according to the identity recognition feature database, determine the identity recognition matching value, calculate the difference between the identity recognition matching value and the matching threshold, and determine the identity feature recognition result and payment method according to the difference. The specific process is as follows:

[0060] S501, the bank end node verifies the user authentication information and initiates a face recognition request based on the face information after the verification is passed;

[0061] S502: Based on the face recognition request, identify the face information using the identity recognition feature database, determine an identity recognition match value, calculate the difference between the identity recognition match value and a match threshold, and determine an identity feature recognition result and a payment method based on the difference;

[0062] S503, querying the user identity information corresponding to the facial information based on the identity feature recognition result and the index of the user identity information, and verifying the user identity information with the user medical information. After the verification is passed, generating a medical payment pre-processing task based on the user medical information.

[0063] Based on the identity feature recognition results and the index of the user's identity information, the corresponding user identity information can be retrieved. This user's identity information is then compared with their medical records to ensure accuracy and consistency. Once verified, a medical payment pre-processing task can be generated based on the user's medical records. This pre-processing task takes into account the user's medical records, including visit time, department, and medical expenses. Based on this information, pre-processing for medical payments can be performed, including fee settlement and medical reimbursement processes, ensuring that users receive timely support and assistance with their medical expenses.

[0064] In actual application scenarios, in order to ensure the security of medical payment, the identity recognition matching value can be further analyzed, and the verification is passed and the payment methods allowed are analyzed according to different risk vectors. Figure 6 The specific process is:

[0065] S601: For each identity feature recognition result and payment method, a corresponding risk threshold range is set. A first risk threshold range indicates that if the identity recognition is successful, no payment method restrictions are imposed; a second risk threshold range indicates that if the identity recognition is successful, payment methods are restricted; and a third risk threshold range indicates that if the identity recognition is unsuccessful, payment methods may include payment through a medical account and payment through a regular bank account.

[0066] S602, determine the identity feature recognition result and payment method based on the risk threshold range and the difference; when the difference is within the first risk threshold range, the identity recognition is passed, and the user is allowed to use any payment method; when the difference is within the second risk threshold range, the identity recognition is passed, and the user is allowed to pay using an ordinary bank account; when the difference is within the third risk threshold range, the identity recognition fails, and the medical payment request is rejected.

[0067] For example, if the first risk threshold range is above 15%, identity recognition is passed and payment methods are not restricted; if the second risk threshold range is between 0% and 15%, identity recognition is passed and payment methods are restricted; if the third risk threshold range is below 0%, identity recognition is not passed.

[0068] If the facial information is identified through the identity recognition feature number matching threshold database, and the identity recognition matching value is determined to be 85%, and the matching threshold is 80%, then the difference between the identity recognition matching value and the matching threshold is calculated to be 5%, which is within the second risk threshold range. Based on the difference, the identity feature recognition result is determined to be identity recognition passed, and the limited payment method is to allow payment through ordinary bank accounts.

[0069] If the facial information is identified through the identity recognition feature database and the identity recognition matching value is determined to be 75% and the matching threshold is 80%, then the difference between the identity recognition matching value and the matching threshold is calculated to be -5%, which is within the third risk threshold range, and the identity recognition fails.

[0070] In one embodiment, based on Figure 2 The database architecture relationship, the detailed process of information matching and verification can be referred to Figure 7 Specifically, the detailed process of using the first identity recognition feature database and the second identity recognition feature database to perform information matching and verification is as follows:

[0071] S701, using the hospital on-site collection module to collect on-site facial information at the hospital end node;

[0072] S702: Identify the facial information using the first identity recognition feature database, and query the user's first identity information corresponding to the facial information according to an index, where the user's first identity information corresponds to a bank end node;

[0073] S703: Identify the on-site facial information using the second identity recognition feature database, and query the user's second identity information corresponding to the facial information according to the index, where the user's second identity information corresponds to a hospital end node;

[0074] S704: Match and verify the user's first identity information, the user's second identity information, and the user's medical information. After the verification is passed, generate a medical payment pre-processing task based on the user's medical information.

[0075] Furthermore, the user's medical information includes at least the user's medical content, user name, identity ID, user mobile phone number information, hospital identification, clinic identification, medical staff identification and multiple preset payment methods.

[0076] The payment methods include: payment using a medical account and payment using an ordinary bank account.

[0077] The medical payment pre-processing task also includes medical treatment content.

[0078] Among them, users include the patient himself or the payer selected by the patient, such as the patient's guardian, the patient's friend, the patient's family, etc.

[0079] In one embodiment, generating a medical payment pre-processing task based on the user's medical information includes:

[0080] The payment amount is determined based on the content of the medical consultation;

[0081] Generate a medical payment pre-processing task based on the hospital identification, clinic identification, medical staff identification, medical treatment content, payment amount, user name, identity ID and preset multiple payment methods.

[0082] In one embodiment, reference Figure 8 , for (S105), receiving the payment method sent by the user through the user terminal using 5G messaging, calling the payment agent interface to generate a bank payment agent task, activating the bank payment agent task according to the user name and identity ID in the medical payment pre-processing task, deducting the payment amount from the user's corresponding account, generating a payment voucher and feeding the payment voucher back to the user terminal using 5G messaging, the detailed process is as follows:

[0083] S801, determining the user's account information based on the user name and identity ID in the medical payment pre-processing task, and activating the bank payment task;

[0084] S802, when the payment method is to pay using a medical account, the payment amount is deducted from the user's medical account according to the account information, a payment voucher is generated and the payment voucher is fed back to the user terminal using a 5G message.

[0085] Specifically, refer to Figure 9 For (S802), when the payment method is to pay using a medical account, the payment amount is deducted from the user's medical account according to the account information, a payment voucher is generated, and the payment voucher is fed back to the user terminal using a 5G message. The detailed process is as follows:

[0086] S901, determining the user's medical account balance based on the medical account information;

[0087] S902, when the balance of the medical account is greater than or equal to the payment amount, deduct the first payment amount from the balance of the medical account, generate a payment voucher and use a 5G message to feed back the payment voucher to the user terminal.

[0088] For example, if the balance of the medical account is 1,000 yuan and the payment amount is 500 yuan, the user can directly choose to pay from the medical account to complete the deduction.

[0089] S903: When the balance in the medical account is less than the payment amount, the amount to be paid by the user through a regular bank account payment method is determined based on the balance in the medical account and the payment amount.

[0090] For example, the balance of the medical account is 800 yuan, and the payment amount is 1,000 yuan. The medical account cannot meet the payment. Through calculation, it can be determined that the amount to be paid is 200 yuan. The user needs to use third-party payment to pay the amount to be paid.

[0091] S904, generating payment information based on the amount to be paid and the payment method using a regular bank account;

[0092] S905, using a 5G message to send the payment information to the user terminal, so that the user can select a bank account from the ordinary bank account payment method according to the payment information;

[0093] S906, receiving the bank account uploaded by the user terminal through 5G message, deducting the balance of the medical account and the corresponding amount to be paid in the bank account, generating a payment voucher and feeding back the payment voucher to the user terminal using 5G message.

[0094] In actual application scenarios, users can also pay directly using ordinary bank accounts. The corresponding processing methods are as follows:

[0095] When the payment method is to pay using an ordinary bank account, the payment amount is deducted from the bank account selected by the user, a payment voucher is generated and the payment voucher is fed back to the user terminal using a 5G message.

[0096] The medical payment data processing method based on 5G messages proposed in the present invention can realize the cooperation between banks and hospitals in processing medical payment bills. In the hospital scenario, after the user's consultation, a medical payment bill is generated based on the user's medical information and medical expenses; the user's identity is verified using the distributed identity recognition feature database set up by the bank and the hospital, and after the verification is passed, the bill information is provided to the bank, which can include personal information, medical information, and fee details; when the bank processes the bill payment, after receiving the medical payment bill information, the bank activates the deduction task according to the medical redemption pre-processing task, and uses the medical account or ordinary bank account to make medical payments through electronic payment. When confirming the payment result, the hospital system and the bank system conduct information docking to ensure the accuracy of the payment result; once the payment is successful, the hospital system will update the user's payment status and notify the customer through 5G messages. By cooperating with banks and hospitals to process medical payment bills, the convenience and security of payment can be improved, a more convenient payment method can be provided for users, and the cash management pressure of hospitals can be reduced.

[0097] It should be noted that although the operations of the method of the present invention are described in a specific order in the above embodiments and drawings, this does not require or imply that these operations must be performed in this specific order, or that all illustrated operations must be performed to achieve the desired results. Additionally or alternatively, certain steps may be omitted, multiple steps may be combined into one step, and / or one step may be broken down into multiple steps.

[0098] refer to Figure 10 This is an exemplary application scenario of the present invention. When a hospital and a bank sign an agreement, the user is responsible for outputting the file upload page to the 5G messaging service operation platform through the API interface. The user will confirm their personal information through this page. Once the review is passed, the system automatically uploads the encrypted batch file and transfers the funds in batches daily.

[0099] The user's 5G terminal primarily initiates medical payment requests, scans facial information, and displays 5G messages. The operator primarily authenticates information, logs, and identifies user information. After verifying the user's information, the bank invokes the database service's API to initiate a facial recognition request. The database service performs facial recognition against the facial database and pushes the results to the bank's endpoint. Once facial recognition is successful, the bank initiates a payment service. After completing the medical payment pre-processing tasks, the service is activated and the payment is redeemed. Upon completion of the payment, the payment receipt is sent to the user's 5G terminal via 5G messaging.

[0100] To ensure information security and accuracy, the overall process includes user information verification and review, file encryption and secure upload, and accurate payment transfers. Data privacy and security protections must be fully considered during implementation to ensure compliance and security throughout the entire process. Furthermore, the system must possess efficient processing capabilities to ensure smooth and timely completion of the process.

[0101] The bank's facial recognition privacy protection solution, based on multi-party secure computing, provides facial recognition technology services without obtaining the plaintext facial data of its partners' users. Within the framework of the user's consented privacy policy, the agent completes user authentication, meeting the user's facial privacy protection needs.

[0102] This method protects user privacy while also meeting their facial recognition needs. Furthermore, within the framework of the user's consented privacy policy, user authentication is performed by the agent partner, further protecting user privacy. This approach fully considers the needs of data privacy and security.

[0103] During user facial registration, the partner collects facial features and uses secret sharing to encrypt the plaintext data into shards, which are then sent to the multi-party secure computing platform jointly built by the bank and the partner. These shards are stored separately in the bank's and the partner's respective facial feature ciphertext libraries. During user facial recognition, the partner collects a live facial photo and sends the live facial data in the form of ciphertext shards to the multi-party secure computing platform. Ciphertext shards of the facial features collected during registration are queried through the partner's and the financial institution's service nodes, and facial feature comparison is completed on the multi-party secure computing platform.

[0104] After introducing the method of the exemplary embodiment of the present invention, next, reference is made to Figure 11 A medical payment data processing device based on 5G messages according to an exemplary embodiment of the present invention is introduced.

[0105] The implementation of the medical payment data processing device based on 5G messages can refer to the implementation of the above method, and the repetitions will not be repeated. The terms "module" or "unit" used below can be a combination of software and / or hardware that implements the predetermined function. Although the devices described in the following embodiments are preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceived.

[0106] Based on the same inventive concept, the present invention also proposes a medical payment data processing device based on 5G messages, such as Figure 11 As shown, the device includes:

[0107] The database construction module 110 is used to construct an identity recognition feature database; wherein the data in the identity recognition feature database has been authorized for use by the user;

[0108] The request processing module 120 is configured to obtain a medical payment request initiated by a user terminal, the medical payment request carrying the user's mobile phone number and medical treatment information, perform information authentication based on the user's mobile phone number in the medical payment request to obtain user authentication information, and invoke the user terminal to collect the user's identity identification features based on the user authentication information;

[0109] The identity recognition module 130 is configured to identify the user's identity recognition features based on the identity recognition feature database, determine an identity recognition match value, calculate the difference between the identity recognition match value and a match threshold, and determine an identity feature recognition result and a payment method based on the difference; wherein, if the identity feature recognition result is a pass, a medical payment pre-processing task is generated based on the user's medical information; the medical payment pre-processing task includes the payment amount, user name, identity ID, and payment method;

[0110] The task sending module 140 is used to send the medical payment pre-processing task to the user using 5G messaging based on the user's mobile phone number information, so that the user can select a payment method based on the medical payment pre-processing task;

[0111] The payment processing module 150 is used to receive the payment method sent by the user through the user terminal using 5G messages, call the payment interface to generate a bank payment task, activate the bank payment task according to the user name and identity ID in the medical redemption pre-processing task, deduct the payment amount from the user's corresponding account, generate a payment voucher and use 5G messages to feed back the payment voucher to the user terminal.

[0112] In one embodiment, the database construction module 110 constructs an identity recognition feature database, including:

[0113] After the user authorizes the collection of identity information, the user's identity information and identity recognition features are collected, wherein the user's identity information includes at least the user's name, identity ID, and user's mobile phone number; the identity recognition features include at least one or more of fingerprint scan data, iris scan data, and facial recognition data;

[0114] Constructing a first identity recognition feature database and a second identity recognition feature database, wherein the first identity recognition feature database is located at a bank-side node, and the second identity recognition feature database is located at a hospital-side node;

[0115] Extracting feature values ​​from the identity recognition feature, randomly fragmenting the extracted feature values ​​to obtain ciphertext feature fragments, and storing them in the first identity recognition feature database and the second identity recognition feature database respectively;

[0116] An index of the ciphertext feature fragments and the user identity information is established, and the user identity information is identified by using the index when matching and verifying the identity recognition features.

[0117] In one embodiment, the request processing module 120 obtains a medical payment request initiated by a user terminal, the medical payment request carrying the user's mobile phone number and the user's medical treatment information, performs information authentication based on the user's mobile phone number in the medical payment request to obtain user authentication information, and calls the user terminal to collect the user's identity identification features based on the user authentication information, including:

[0118] After the user terminal initiates a medical payment request, it jumps to the bank's face verification page, calls the face collection module of the user terminal to collect facial information, and triggers the operator to perform information authentication;

[0119] The operator authenticates the user's mobile phone number information in the medical payment request, obtains user authentication information, and pushes the user authentication information to the bank end node.

[0120] In one embodiment, the identity recognition module 130 identifies the identity recognition features of the user according to the identity recognition feature database, determines an identity recognition matching value, calculates the difference between the identity recognition matching value and a matching threshold, and determines an identity feature recognition result and a payment method according to the difference, including:

[0121] The bank end node verifies the user authentication information and initiates a face recognition request based on the face information after the verification is passed;

[0122] According to the face recognition request, the face information is identified through the identity recognition feature database, an identity recognition matching value is determined, a difference between the identity recognition matching value and a matching threshold is calculated, and an identity feature recognition result and a payment method are determined according to the difference;

[0123] The user identity information corresponding to the facial information is queried based on the identity feature recognition result and the index of the user identity information, and the user identity information is compared with the user medical information. After the comparison is passed, a medical payment pre-processing task is generated based on the user medical information.

[0124] In one embodiment, the identity recognition module 130, based on the face recognition request, identifies the face information using the identity recognition feature database, determines an identity recognition match value, calculates a difference between the identity recognition match value and a match threshold, and determines an identity feature recognition result and a payment method based on the difference, including:

[0125] For each identity feature recognition result and payment method, a corresponding risk threshold range is set. Among them, the first risk threshold range is that if the identity recognition is passed, the payment method is not restricted; the second risk threshold range is that if the identity recognition is passed, the payment method is restricted; the third risk threshold range is that if the identity recognition is not passed, the payment method includes: payment using a medical account and payment using a regular bank account;

[0126] The identity feature recognition result and payment method are determined based on the risk threshold range and the difference; when the difference is within the first risk threshold range, the identity recognition is passed, and the user is allowed to use any payment method; when the difference is within the second risk threshold range, the identity recognition is passed, and the user is allowed to pay using an ordinary bank account; when the difference is within the third risk threshold range, the identity recognition fails, and the medical payment request is rejected.

[0127] In one embodiment, the identity recognition module 130 is further configured to:

[0128] Use the hospital on-site collection module to collect on-site facial information at the hospital end node;

[0129] Identify the facial information using the first identity recognition feature database, and query the user's first identity information corresponding to the facial information according to an index, where the user's first identity information corresponds to a bank end node;

[0130] Identify the on-site facial information through the second identity recognition feature database, and query the user's second identity information corresponding to the facial information according to the index, where the user's second identity information corresponds to the hospital end node;

[0131] The user's first identity information, the user's second identity information and the user's medical information are matched and checked. After the check is passed, a medical payment pre-processing task is generated according to the user's medical information.

[0132] In one embodiment, the user's medical information includes at least the user's medical content, user name, ID, user mobile phone number, hospital identification, clinic identification, medical staff identification, and multiple preset payment methods;

[0133] The medical payment pre-processing task also includes medical treatment content.

[0134] In one embodiment, the identity recognition module 130 generates a medical payment pre-processing task based on the user's medical information, including:

[0135] The payment amount is determined based on the content of the medical consultation;

[0136] Generate a medical payment pre-processing task based on the hospital identification, clinic identification, medical staff identification, medical treatment content, payment amount, user name, identity ID and preset multiple payment methods.

[0137] In one embodiment, the payment processing module 150 receives the payment method sent by the user through the user terminal using a 5G message, calls the payment agent interface to generate a bank payment agent task, activates the bank payment agent task based on the user name and identity ID in the medical payment pre-processing task, deducts the payment amount from the user's corresponding account, generates a payment voucher, and feeds the payment voucher back to the user terminal using a 5G message, including:

[0138] Determine the user's account information based on the user name and identity ID in the medical payment pre-processing task, and activate the bank payment task;

[0139] When the payment method is to pay using a medical account, the payment amount is deducted from the user's medical account according to the account information, a payment voucher is generated and the payment voucher is fed back to the user terminal using a 5G message.

[0140] In one embodiment, when the payment method is to pay using a medical account, the payment processing module 150 deducts the payment amount from the user's medical account according to the account information, generates a payment voucher, and feeds the payment voucher back to the user terminal using a 5G message, including:

[0141] determining the user's medical account balance based on the medical account information;

[0142] When the balance of the medical account is greater than or equal to the payment amount, deduct the first payment amount from the balance of the medical account, generate a payment voucher, and feed the payment voucher back to the user terminal using a 5G message;

[0143] When the balance of the medical account is less than the payment amount, the user is required to pay the remaining amount by using a regular bank account payment method based on the balance of the medical account and the payment amount;

[0144] Generate payment information based on the amount to be paid and the payment method using ordinary bank accounts;

[0145] The payment information is sent to the user terminal using 5G messaging, so that the user can select a bank account from among the payment methods using ordinary bank accounts based on the payment information;

[0146] Receive the bank account uploaded by the user terminal via 5G message, deduct the balance of the medical account and the corresponding amount to be paid in the bank account, generate a payment voucher and use 5G message to feed back the payment voucher to the user terminal.

[0147] In one embodiment, the payment processing module 150 is further configured to:

[0148] When the payment method is to pay using an ordinary bank account, the payment amount is deducted from the bank account selected by the user, a payment voucher is generated and the payment voucher is fed back to the user terminal using a 5G message.

[0149] It should be noted that although several modules of the medical payment data processing device based on 5G messages are mentioned in the detailed description above, this division is merely exemplary and not mandatory. In fact, according to an embodiment of the present invention, the features and functions of two or more modules described above can be concretized in one module. Conversely, the features and functions of one module described above can be further divided and concretized by multiple modules.

[0150] Based on the above invention concept, Figure 12 As shown, the present invention also proposes a computer device 1200, including a memory 1210, a processor 1220, and a computer program 1230 stored in the memory 1210 and executable on the processor 1220. When the processor 1220 executes the computer program 1230, the aforementioned medical payment data processing method based on 5G messages is implemented.

[0151] Based on the aforementioned inventive concept, the present invention proposes a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it implements the aforementioned medical payment data processing method based on 5G messages.

[0152] Based on the aforementioned inventive concept, the present invention proposes a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements a medical payment data processing method based on 5G messages.

[0153] The medical payment data processing method and device based on 5G messages proposed in the present invention construct an identity recognition feature database; wherein the data in the identity recognition feature database has been authorized for use by the user; obtain a medical payment request initiated by a user terminal, wherein the medical payment request carries the user's mobile phone number information and the user's medical treatment information, performs information authentication based on the user's mobile phone number information in the medical payment request, obtains user authentication information, and calls the user terminal to collect the user's identity recognition features based on the user authentication information; identifies the user's identity recognition features based on the identity recognition feature database, determines the identity recognition matching value, calculates the difference between the identity recognition matching value and the matching threshold, and determines the identity feature recognition result and payment method based on the difference. Formula; wherein, after the identity feature recognition result is recognized as passed, a medical payment pre-processing task is generated according to the user's medical information; the medical payment pre-processing task includes the payment amount, user name, identity ID and payment method; according to the user's mobile phone number information, the medical payment pre-processing task is sent to the user by using 5G message, so that the user can select the payment method according to the medical payment pre-processing task; the payment method sent by the user through the user terminal by using 5G message is received, the payment interface is called to generate a bank payment task, the bank payment task is activated according to the user name and identity ID in the medical payment pre-processing task, the payment amount is deducted from the user's corresponding account, a payment voucher is generated and the payment voucher is fed back to the user terminal by using 5G message. The overall solution enables users to use 5G messaging through terminals to verify their identities, process medical bills, and pay medical fees. In actual application scenarios, the identity recognition feature database is used to facilitate information exchange between banks and hospitals. User identity verification is performed using multiple dimensions, including the identity recognition feature database and mobile phone number authentication, ensuring the accuracy and security of identity matching and protecting user property. Users can complete payment through quick and convenient self-service operations without waiting in line, improving payment processing efficiency and user experience. In actual application scenarios, it can effectively improve the processing efficiency of medical payment data between banks and hospitals, providing strong technical support for bank-medical cooperation business scenarios.

[0154] The acquisition, storage, use, and processing of data in the technical solution of this application comply with relevant laws and regulations.

[0155] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, apparatus, or computer program products. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, 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 magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0156] The present invention is described with reference to flowcharts and / or block diagrams of methods and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowcharts and / or block diagrams, as well as combinations of processes 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 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 flowcharts and / or block diagrams. 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.

[0157] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work 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 The function specified in one or more boxes.

[0158] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 The steps for the function specified in one or more boxes.

[0159] Finally, it should be noted that the above-described embodiments are only specific implementation methods of the present invention, which are used to illustrate the technical solutions of the present invention, rather than to limit them. The scope of protection of the present invention is not limited thereto. Although the present invention has been described in detail with reference to the above-described embodiments, those skilled in the art should understand that any person skilled in the art can modify or easily conceive of changes to the technical solutions described in the above-described embodiments within the technical scope disclosed by the present invention, or replace some of the technical features therein with equivalents. Such modifications, changes, or replacements do not deviate from the spirit and scope of the technical solutions of the embodiments of the present invention, and should be included in the scope of protection of the present invention. Therefore, the scope of protection of the present invention shall be subject to the scope of protection of the claims.

Claims

1. A medical payment data processing method based on 5G messages, characterized in that: include: Constructing an identity recognition feature database; wherein the data in the identity recognition feature database has been authorized for use by the user; Obtaining a medical payment request initiated by a user terminal, the medical payment request carrying the user's mobile phone number and the user's medical treatment information, performing information authentication based on the user's mobile phone number in the medical payment request to obtain user authentication information, and calling the user terminal to collect the user's identity identification features based on the user authentication information; Identify the user's identity recognition features according to the identity recognition feature database, determine an identity recognition matching value, calculate the difference between the identity recognition matching value and the matching threshold, and determine the identity feature recognition result and payment method according to the difference; wherein, after the identity feature recognition result is recognized as passed, generate a medical payment pre-processing task based on the user's medical information; the medical payment pre-processing task includes the payment amount, user name, identity ID and payment method; According to the user's mobile phone number information, the medical payment pre-processing task is sent to the user by using 5G message, so that the user can choose the payment method according to the medical payment pre-processing task; Receive the payment method sent by the user through the user terminal using 5G messages, call the payment interface to generate a bank payment task, activate the bank payment task according to the user name and identity ID in the medical redemption preprocessing task, deduct the payment amount from the user's corresponding account, generate a payment voucher and use 5G messages to feedback the payment voucher to the user terminal.

2. The method according to claim 1, characterized in that Build an identity recognition feature database, including: After the user authorizes the collection of identity information, the user's identity information and identity recognition features are collected, wherein the user's identity information includes at least the user's name, identity ID, and user's mobile phone number; the identity recognition features include at least one or more of fingerprint scan data, iris scan data, and facial recognition data; Constructing a first identity recognition feature database and a second identity recognition feature database, wherein the first identity recognition feature database is located at a bank-side node, and the second identity recognition feature database is located at a hospital-side node; Extracting feature values ​​from the identity recognition feature, randomly fragmenting the extracted feature values ​​to obtain ciphertext feature fragments, and storing them in the first identity recognition feature database and the second identity recognition feature database respectively; An index of the ciphertext feature fragments and the user identity information is established, and the user identity information is identified by using the index when matching and verifying the identity recognition features.

3. The method according to claim 1, characterized in that Obtain a medical payment request initiated by a user terminal, the medical payment request carrying the user's mobile phone number and the user's medical treatment information, perform information authentication based on the user's mobile phone number in the medical payment request to obtain user authentication information, and call the user terminal to collect the user's identity identification features based on the user authentication information, including: After the user terminal initiates a medical payment request, it jumps to the bank's face verification page, calls the face collection module of the user terminal to collect facial information, and triggers the operator to perform information authentication; The operator authenticates the user's mobile phone number information in the medical payment request, obtains user authentication information, and pushes the user authentication information to the bank end node.

4. The method according to claim 1, wherein Identifying the user's identity recognition features according to the identity recognition feature database, determining an identity recognition matching value, calculating a difference between the identity recognition matching value and a matching threshold, and determining an identity feature recognition result and a payment method according to the difference, including: The bank node verifies the user authentication information and initiates a face recognition request based on the facial information after the verification is passed; According to the face recognition request, the face information is identified through the identity recognition feature database, an identity recognition matching value is determined, a difference between the identity recognition matching value and a matching threshold is calculated, and an identity feature recognition result and a payment method are determined according to the difference; The user identity information corresponding to the facial information is queried based on the identity feature recognition result and the index of the user identity information, and the user identity information is compared with the user medical information. After the comparison is passed, a medical payment pre-processing task is generated based on the user medical information.

5. The method according to claim 4, characterized in that According to the face recognition request, the face information is identified through the identity recognition feature database, an identity recognition matching value is determined, a difference between the identity recognition matching value and a matching threshold is calculated, and an identity feature recognition result and a payment method are determined according to the difference, including: For each identity feature recognition result and payment method, a corresponding risk threshold range is set. Among them, the first risk threshold range is that if the identity recognition is passed, the payment method is not restricted; the second risk threshold range is that if the identity recognition is passed, the payment method is restricted; the third risk threshold range is that if the identity recognition is not passed, the payment method includes: payment using a medical account and payment using a regular bank account; The identity feature recognition result and payment method are determined based on the risk threshold range and the difference; when the difference is within the first risk threshold range, the identity recognition is passed, and the user is allowed to use any payment method; when the difference is within the second risk threshold range, the identity recognition is passed, and the user is allowed to pay using an ordinary bank account; when the difference is within the third risk threshold range, the identity recognition fails, and the medical payment request is rejected.

6. The method according to claim 2, characterized in that The method further includes: Use the hospital on-site collection module to collect on-site facial information at the hospital end node; Identify the facial information using the first identity recognition feature database, and query the user's first identity information corresponding to the facial information according to an index, where the user's first identity information corresponds to a bank end node; Identify the on-site facial information through the second identity recognition feature database, and query the user's second identity information corresponding to the facial information according to the index, where the user's second identity information corresponds to the hospital end node; The user's first identity information, the user's second identity information and the user's medical information are matched and checked. After the check is passed, a medical payment pre-processing task is generated according to the user's medical information.

7. The method according to claim 1, characterized in that The user's medical information includes at least the user's medical content, user name, ID, user mobile phone number, hospital identification, clinic identification, medical staff identification and multiple preset payment methods; The medical payment pre-processing task also includes medical treatment content.

8. The method according to claim 7, characterized in that Generate a medical payment pre-processing task based on the user's medical information, including: The payment amount is determined based on the content of the medical consultation; Generate a medical payment pre-processing task based on the hospital identification, clinic identification, medical staff identification, medical treatment content, payment amount, user name, identity ID and preset multiple payment methods.

9. The method according to claim 1, characterized in that Receiving the payment method sent by the user through the user terminal using a 5G message, calling the payment agent interface to generate a bank payment agent task, activating the bank payment agent task according to the user name and identity ID in the medical payment pre-processing task, deducting the payment amount from the user's corresponding account, generating a payment voucher, and feeding the payment voucher back to the user terminal using a 5G message, including: Determine the user's account information based on the user name and identity ID in the medical payment pre-processing task, and activate the bank payment task; When the payment method is to pay using a medical account, the payment amount is deducted from the user's medical account according to the account information, a payment voucher is generated and the payment voucher is fed back to the user terminal using a 5G message.

10. The method according to claim 9, characterized in that When the payment method is to pay using a medical account, the payment amount is deducted from the user's medical account according to the account information, a payment voucher is generated, and the payment voucher is fed back to the user terminal using a 5G message, including: determining the user's medical account balance based on the medical account information; When the balance of the medical account is greater than or equal to the payment amount, deduct the first payment amount from the balance of the medical account, generate a payment voucher, and feed the payment voucher back to the user terminal using a 5G message; When the balance of the medical account is less than the payment amount, the user is required to pay the remaining amount by using a regular bank account payment method based on the balance of the medical account and the payment amount; Generate payment information based on the amount to be paid and the payment method using ordinary bank accounts; The payment information is sent to the user terminal using 5G messaging, so that the user can select a bank account from among the payment methods using ordinary bank accounts based on the payment information; Receive the bank account uploaded by the user terminal via 5G message, deduct the balance of the medical account and the corresponding amount to be paid in the bank account, generate a payment voucher and use 5G message to feed back the payment voucher to the user terminal.

11. The method according to claim 1, wherein Also includes: When the payment method is to pay using an ordinary bank account, the payment amount is deducted from the bank account selected by the user, a payment voucher is generated and the payment voucher is fed back to the user terminal using a 5G message.

12. A medical payment data processing device based on 5G messages, characterized in that: include: A database construction module is used to construct an identity recognition feature database; wherein the data in the identity recognition feature database has been authorized for use by the user; a request processing module, configured to obtain a medical payment request initiated by a user terminal, the medical payment request carrying the user's mobile phone number and medical consultation information, perform information authentication based on the user's mobile phone number in the medical payment request to obtain user authentication information, and invoke the user terminal to collect the user's identity identification features based on the user authentication information; An identity recognition module is configured to identify the user's identity recognition features based on the identity recognition feature database, determine an identity recognition matching value, calculate the difference between the identity recognition matching value and a matching threshold, and determine an identity feature recognition result and a payment method based on the difference; wherein, if the identity feature recognition result is a passing recognition, a medical payment pre-processing task is generated based on the user's medical information; the medical payment pre-processing task includes the payment amount, user name, identity ID, and payment method; A task sending module is used to send the medical payment pre-processing task to the user using 5G messages based on the user's mobile phone number information, so that the user can choose a payment method based on the medical payment pre-processing task; The payment processing module is used to receive the payment method sent by the user through the user terminal using 5G messages, call the payment interface to generate a bank payment task, activate the bank payment task according to the user name and identity ID in the medical redemption pre-processing task, deduct the payment amount from the user's corresponding account, generate a payment voucher and use 5G messages to feed back the payment voucher to the user terminal.

13. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the computer program, the method according to any one of claims 1 to 11 is implemented.

14. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 11 is implemented.

15. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 11 is implemented.

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