Transaction payment system and method based on 5G message

Abstract

The invention discloses a transaction payment system and method based on a 5G message, and the system comprises a transaction detection unit which is used for detecting target merchant transaction information, transmitted by a preset merchant SIM card, of a target merchant on an SIM card terminal; the merchant SIM card is used for sending merchant transaction information to the SIM card operator unit based on the 5G message technology; the SIM card operator unit is used for acquiring signed bank information associated with the merchant SIM card after the identity authentication operation on the merchant SIM card is successful; sending a merchant transaction request corresponding to the target merchant transaction information to a commercial bank corresponding to the acceptance bank identifier; and the transaction processing unit is used for performing accounting processing from the payment bank to the acceptance bank and feeding back a merchant transaction request processing result to the target merchant. The method is used for improving the transaction payment efficiency of the commercial tenant in different commercial banks, reducing the bank access cost of the commercial tenant for transaction payment, and improving the transaction payment experience of the commercial tenant.

Description

Technical Field

[0001] The present invention relates to the field of 5G message technology, and in particular to a transaction payment system and method based on 5G messages. Background Art

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

[0003] Currently, commercial banks’ payments are all tied to their own acquiring and clearing systems. If merchants want to access payment methods from multiple merchant banks, they need to open files and accounts at each bank and connect to and develop payment interfaces at each bank. The cost of access is very high.

[0004] The previous payment authentication service process mainly involved four parties: acquiring institutions, authentication institutions, card issuing institutions, and clearing institutions (online payment clearing platforms). Acquiring institutions are clearing member units that have signed agreements with merchants or provide services to cardholders, and directly or indirectly participate in the exchange based on transaction documents. They are mainly responsible for the development and management of special merchants, authorization requests, bill settlement and other activities; authentication institutions are institutions that verify the identity information of merchants during the payment process, complete payment authentication and debit merchants; card issuing institutions are commercial banks that issue various bank cards to cardholders, are responsible for account management, and are the initiators and organizers of the bank card market; clearing institutions (online payment clearing platforms) mainly handle transaction transfers and fund clearing businesses related to payment institutions and banks.

[0005] The existing merchant payment solutions for transactions with different commercial banks have the following problems:

[0006] 1. High merchant access cost: If merchants want to access payment methods of multiple banks, they need to open accounts in each bank and develop payment interfaces for each bank. This significantly increases the access cost, which is not conducive to merchants expanding their business;

[0007] 2. The payment authentication process is complicated: The existing payment authentication service process involves four parties, including acquiring institutions, authentication institutions, card issuing institutions, and clearing institutions (online payment clearing platforms). In this process, each link needs to work closely together. Once a problem occurs in a link, the entire payment authentication process may be blocked. Summary of the invention

[0008] The embodiment of the present invention provides a transaction payment system based on 5G messages, which is used to improve the transaction payment efficiency of merchants in different commercial banks, reduce the bank access cost of merchants for transaction payment, and improve the transaction payment experience of merchants. The system includes:

[0009] A transaction detection unit is used to detect the target merchant transaction information of the target merchant on the SIM card terminal transmitted by the preset merchant SIM card; the target merchant transaction information carries the payment bank identifier, acceptance bank identifier, transaction message information and merchant identity information of the target merchant transaction; the target merchant transaction information is sent to the SIM card operator unit via the merchant SIM card; the merchant SIM card is used to send the merchant transaction information to the SIM card operator unit based on 5G message technology;

[0010] The SIM card operator unit is configured to perform an identity authentication operation on the merchant SIM card according to the merchant identity information carried in the target merchant transaction information; after the identity authentication operation is successful, obtain the contract bank information associated with the merchant SIM card from the SIM card operator database; based on the contract bank information, send a merchant transaction request corresponding to the target merchant transaction information to the commercial bank corresponding to the acceptance bank identifier; the SIM card operator database includes contract bank information corresponding to the merchant identity information one by one; the contract bank information is used to describe the payment bank information and acceptance bank information corresponding to the merchant identity information;

[0011] The transaction processing unit is used to combine the payment bank identifier, acceptance bank identifier and transaction message information carried in the target merchant transaction information, perform account processing from the payment bank to the acceptance bank on the merchant transaction request, obtain the merchant transaction request processing result; and feedback the merchant transaction request processing result to the target merchant.

[0012] The embodiment of the present invention also provides a transaction payment method based on 5G messages, which is used to improve the transaction payment efficiency of merchants in different commercial banks, reduce the bank access cost of merchants for transaction payment, and improve the transaction payment experience of merchants. The method includes:

[0013] Detecting the target merchant transaction information of the target merchant on the SIM card terminal transmitted by the preset merchant SIM card; the target merchant transaction information carries the payment bank identifier, acceptance bank identifier, transaction message information and merchant identity information of the target merchant transaction;

[0014] The target merchant transaction information is sent to the SIM card operator unit via the merchant SIM card; the merchant SIM card is used to send the merchant transaction information to the SIM card operator unit based on the 5G message technology; the SIM card operator unit is used to: perform identity authentication operation on the merchant SIM card according to the merchant identity information carried in the target merchant transaction information; after the identity authentication operation is successful, obtain the contract bank information associated with the merchant SIM card from the SIM card operator database; based on the contract bank information, send a merchant transaction request corresponding to the target merchant transaction information to the target commercial bank corresponding to the acceptance bank identifier; the SIM card operator database includes contract bank information corresponding to the merchant identity information one by one; the contract bank information is used to describe the payment bank information and acceptance bank information corresponding to the merchant identity information; the target commercial bank is used to combine the payment bank identifier, acceptance bank identifier and transaction message information carried in the target merchant transaction information to perform account processing from the payment bank to the acceptance bank on the merchant transaction request to obtain the merchant transaction request processing result;

[0015] Receiving the merchant transaction request processing result fed back by the target commercial bank;

[0016] Feedback the target merchant with the result of processing the merchant transaction request.

[0017] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned 5G message-based transaction payment method when executing the computer program.

[0018] An embodiment of the present invention also provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it implements the above-mentioned transaction payment method based on 5G messages.

[0019] An embodiment of the present invention also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements the above-mentioned transaction payment method based on 5G messages.

[0020] In an embodiment of the present invention, a transaction detection unit is used to detect target merchant transaction information of a target merchant on a SIM card terminal transmitted by a preset merchant SIM card; the target merchant transaction information carries a payment bank identifier, an acceptance bank identifier, transaction message information and merchant identity information of the target merchant transaction; the target merchant transaction information is sent to a SIM card operator unit via the merchant SIM card; the merchant SIM card is used to send the merchant transaction information to the SIM card operator unit based on the 5G message technology; the SIM card operator unit is used to detect the merchant SIM card according to the merchant identity information carried by the target merchant transaction information Perform an identity authentication operation; after the identity authentication operation is successful, obtain the contract bank information associated with the merchant SIM card from the SIM card operator database; based on the contract bank information, send a merchant transaction request corresponding to the target merchant transaction information to the commercial bank corresponding to the acceptance bank identifier; the SIM card operator database includes contract bank information corresponding to the merchant identity information one by one; the contract bank information is used to describe the payment bank information and acceptance bank information corresponding to the merchant identity information; a transaction processing unit is used to combine the payment bank identifier, acceptance bank identifier and transaction message carried by the target merchant transaction information The merchant's transaction request is processed by the payment bank to the acceptance bank to obtain the merchant's transaction request processing result; the merchant's transaction request processing result is fed back to the target merchant. Compared with the technical solution in the prior art that requires merchants to open files and accounts with different commercial banks respectively, the merchant's SIM card and SIM card operator unit are set to detect and forward the target merchant's transaction information, and the SIM card operator unit initiates a transaction request to the bank to realize the account processing from the payment bank to the acceptance bank, so that the merchant can only complete the transaction payment operation with different commercial banks through the merchant SIM card, and no longer needs to go through different commercial banks. The bank's file creation and account opening enables the SIM card based on 5G messaging technology to package the payment authentication capabilities of various commercial banks into a unified payment interface for external output, so that commercial banks can export payment services only as a payment authenticator, solving the problem of merchants having to create files and connect and develop multiple times to access payment methods of multiple commercial banks. It unbinds the payment, acquiring and clearing businesses of commercial banks, simplifies the payment authentication process, and enables merchants to quickly connect and process transactions with payment methods of various commercial banks, thereby improving the transaction payment efficiency of merchants with different commercial banks, reducing the bank access costs for merchants to make transaction payments, and improving the merchant's transaction payment experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0022] Figure 1 This is a structural diagram of a transaction payment system based on 5G messages in an embodiment of the present invention;

[0023] Figure 2 This is a specific example diagram of a transaction payment system based on 5G messages in an embodiment of the present invention;

[0024] Figure 3 This is an example diagram of the operation of a transaction payment system based on 5G messages in an embodiment of the present invention;

[0025] Figure 4 This is a flowchart of a transaction payment method based on 5G messages in an embodiment of the present invention;

[0026] Figure 5 A schematic diagram of a computer device used for transaction payment based on 5G messages in an embodiment of the present invention. DETAILED DESCRIPTION

[0027] To make the purpose, technical solution and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0028] The term "and / or" herein only describes an association relationship, indicating that three relationships may exist. For example, A and / or B may represent the following three situations: A exists alone, A and B exist at the same time, and B exists alone. In addition, the term "at least one" herein represents any combination of at least two of any one or more of a plurality of. For example, including at least one of A, B, and C may represent including any one or more elements selected from the set consisting of A, B, and C.

[0029] In the description of this specification, the terms "include", "including", "have", "contain", etc. are all open terms, which mean including but not limited to. The descriptions with reference to the terms "one embodiment", "a specific embodiment", "some embodiments", "for example", etc. mean that the specific features, structures or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present application. In this specification, the schematic representations of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures or characteristics described may be combined in a suitable manner in any one or more embodiments or examples. The order of steps involved in each embodiment is used to schematically illustrate the implementation of the present application, and the order of steps is not limited and can be appropriately adjusted as needed.

[0030] The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0031] Currently, commercial banks’ payments are all tied to their own acquiring and clearing systems. If merchants want to access payment methods from multiple merchant banks, they need to open files and accounts at each bank and connect to and develop payment interfaces at each bank. The cost of access is very high.

[0032] The previous payment authentication service process mainly involved four parties: acquiring institution, authentication institution, card issuing institution, and clearing institution (online payment clearing platform).

[0033] An acquiring institution is a clearing member unit that has signed an agreement with a merchant or provides services to cardholders, and directly or indirectly participates in the exchange of transaction documents. It is mainly responsible for the development and management of special merchants, authorization requests, bill settlement and other activities; an authentication agency is an institution that verifies customer identity information during the payment process, completes payment authentication and debits customers; an issuing institution is a commercial bank that issues various bank cards to cardholders, is responsible for account management, and is the initiator and organizer of the bank card market; a clearing institution (online payment clearing platform) mainly handles transaction transfer and funds clearing business related to payment institutions and banks.

[0034] The existing merchant payment solutions for transactions with different commercial banks have the following problems:

[0035] 1. High merchant access cost: As mentioned above, if merchants want to access the payment methods of multiple banks, they need to open accounts in each bank and develop payment interfaces for each bank. This significantly increases the access cost, which is not conducive to merchants expanding their business.

[0036] 2. The payment authentication process is complicated: The existing payment authentication service process involves four parties, including acquiring institutions, authentication institutions, card issuing institutions, and clearing institutions (online payment clearing platforms). In this process, each link needs to work closely together. Once a problem occurs in a link, the entire payment authentication process may be blocked.

[0037] 3. Data security issues: During the payment process, sensitive customer identity information and financial data are involved. How to ensure the security of this data and prevent leakage and malicious use is a major challenge facing current payment authentication services.

[0038] 4. Inter-bank clearing issues: When making payments and settlements between different banks, due to the different systems of each bank, inter-bank clearing difficulties may occur, affecting payment efficiency.

[0039] 5. Regulatory challenges: With the rapid development of the payment market, how to effectively regulate payment services and prevent financial risks has become an important issue facing the payment industry.

[0040] In order to solve the above problems, the embodiment of the present invention provides a transaction payment system based on 5G messages to improve the transaction payment efficiency of merchants in different commercial banks, reduce the bank access cost of merchants for transaction payment, and improve the transaction payment experience of merchants. Figure 1 , the system may include:

[0041] The transaction detection unit 101 is used to detect the target merchant transaction information of the target merchant on the SIM card terminal transmitted by the preset merchant SIM card; the target merchant transaction information carries the payment bank identifier, acceptance bank identifier, transaction message information and merchant identity information of the target merchant transaction; the target merchant transaction information is sent to the SIM card operator unit via the merchant SIM card; the merchant SIM card is used to send the merchant transaction information to the SIM card operator unit based on the 5G message technology;

[0042] The SIM card operator unit 102 is used to perform an identity authentication operation on the merchant SIM card according to the merchant identity information carried in the target merchant transaction information; after the identity authentication operation is successful, obtain the contract bank information associated with the merchant SIM card from the SIM card operator database; based on the contract bank information, send a merchant transaction request corresponding to the target merchant transaction information to the commercial bank corresponding to the acceptance bank identifier; the SIM card operator database includes contract bank information corresponding to the merchant identity information one by one; the contract bank information is used to describe the payment bank information and acceptance bank information corresponding to the merchant identity information;

[0043] The transaction processing unit 103 is used to combine the payment bank identifier, acceptance bank identifier and transaction message information carried in the target merchant transaction information, perform account processing from the payment bank to the acceptance bank on the merchant transaction request, and obtain the merchant transaction request processing result; and feedback the merchant transaction request processing result to the target merchant.

[0044] In an embodiment of the present invention, a transaction detection unit is used to detect target merchant transaction information of a target merchant on a SIM card terminal transmitted by a preset merchant SIM card; the target merchant transaction information carries a payment bank identifier, an acceptance bank identifier, transaction message information and merchant identity information of the target merchant transaction; the target merchant transaction information is sent to a SIM card operator unit via the merchant SIM card; the merchant SIM card is used to send the merchant transaction information to the SIM card operator unit based on the 5G message technology; the SIM card operator unit is used to detect the merchant SIM card according to the merchant identity information carried by the target merchant transaction information Perform an identity authentication operation; after the identity authentication operation is successful, obtain the contract bank information associated with the merchant SIM card from the SIM card operator database; based on the contract bank information, send a merchant transaction request corresponding to the target merchant transaction information to the commercial bank corresponding to the acceptance bank identifier; the SIM card operator database includes contract bank information corresponding to the merchant identity information one by one; the contract bank information is used to describe the payment bank information and acceptance bank information corresponding to the merchant identity information; a transaction processing unit is used to combine the payment bank identifier, acceptance bank identifier and transaction message carried by the target merchant transaction information The merchant's transaction request is processed by the payment bank to the acceptance bank to obtain the merchant's transaction request processing result; the merchant's transaction request processing result is fed back to the target merchant. Compared with the technical solution in the prior art that requires merchants to open files and accounts with different commercial banks respectively, the merchant's SIM card and SIM card operator unit are set to detect and forward the target merchant's transaction information, and the SIM card operator unit initiates a transaction request to the bank to realize the account processing from the payment bank to the acceptance bank, so that the merchant can only complete the transaction payment operation with different commercial banks through the merchant SIM card, and no longer needs to go through different commercial banks. The bank's file creation and account opening enables the SIM card based on 5G messaging technology to package the payment authentication capabilities of various commercial banks into a unified payment interface for external output, so that commercial banks can export payment services only as a payment authenticator, solving the problem of merchants having to create files and connect and develop multiple times to access payment methods of multiple commercial banks. It unbinds the payment, acquiring and clearing businesses of commercial banks, simplifies the payment authentication process, and enables merchants to quickly connect and process transactions with payment methods of various commercial banks, thereby improving the transaction payment efficiency of merchants with different commercial banks, reducing the bank access costs for merchants to make transaction payments, and improving the merchant's transaction payment experience.

[0045] The embodiments of the present invention can solve the technical problems existing in the above-mentioned existing payment schemes for merchants to conduct transactions with different commercial banks:

[0046] 1. Through the merchant SIM card, one-stop access to payment methods of multiple banks is achieved, reducing the merchant access cost. Merchants only need to sign a contract with the 5G message transaction payment system to support the payment methods of multiple banks. There is no need to develop payment interfaces for each bank separately, which greatly reduces the access cost.

[0047] 2. Simplify the payment authentication process. Through 5G message technology, the payment authentication process is simplified to three parties: merchants, authentication agencies, and card issuers. Removing the clearing agency link makes the payment authentication process more efficient and reduces the possibility of payment authentication errors.

[0048] 3. Improve data security. 5G message technology has high security and can ensure the security of sensitive customer identity information and financial data during transmission. At the same time, identity authentication through merchant SIM cards further guarantees data security.

[0049] 4. Solve the problem of inter-bank clearing. Obtain the contracted bank information associated with the merchant's SIM card through the SIM card operator unit to achieve inter-bank clearing and improve payment efficiency.

[0050] 5. Facilitate supervision. The 5G message transaction payment system can collect and analyze merchant transaction data in real time, provide effective basis for regulatory authorities, and facilitate effective supervision of the payment market.

[0051] The transaction payment system based on 5G messages in the embodiment of the present invention has the following advantages:

[0052] 1. Reduce merchant access costs: Through one-stop access to payment methods of multiple banks, merchants can reduce the workload of opening files and accounts and developing payment interfaces in various banks.

[0053] 2. Simplify the payment authentication process: remove the clearing agency link to make the payment authentication process more efficient and improve payment authentication efficiency.

[0054] 3. Improve data security: Take advantage of 5G messaging technology to ensure the security of sensitive data during transmission.

[0055] 4. Improve payment efficiency: Realize inter-bank settlement through SIM card operator units to improve payment efficiency.

[0056] 5. Facilitate supervision: Real-time collection and analysis of merchant transaction data provides effective basis for regulatory authorities to achieve effective supervision of the payment market.

[0057] The embodiments of the present invention have significant advantages in improving merchant transaction payment efficiency, reducing access costs, simplifying payment authentication procedures, ensuring data security, improving payment efficiency and facilitating supervision, and are helpful in promoting the development of the payment industry.

[0058] In addition, the embodiment of the present invention also relates to a user terminal, which can be a mobile phone, tablet computer or other smart device associated with a merchant SIM card. The user terminal is used to display the merchant transaction request processing result and provide an interactive interface so that the merchant can view and operate related transactions. In this way, the merchant can understand the transaction status anytime and anywhere, improving the convenience of transactions.

[0059] Furthermore, the embodiment of the present invention also includes a security authentication unit for performing security authentication on the merchant SIM card and the user terminal. The security authentication unit can use cryptographic technology, such as digital signature, encryption algorithm, etc., to ensure the security of transaction information during transmission. By adding the security authentication unit, the present invention can effectively prevent illegal attacks and data leakage, and protect the interests of merchants and users.

[0060] In addition, the embodiment of the present invention may also include a data processing unit for performing data analysis on merchant transaction information. The data processing unit can mine merchant transaction habits, preferences and other information to provide merchants with more personalized financial services. In addition, the data processing unit can also perform statistics and analysis on transaction data to provide a reference for commercial banks to formulate marketing strategies and optimize service quality.

[0061] During specific implementation, the transaction detection unit is used to detect the target merchant transaction information of the target merchant on the SIM card terminal transmitted by the pre-set merchant SIM card; the target merchant transaction information carries the payment bank identifier, acceptance bank identifier, transaction message information and merchant identity information of the target merchant transaction; the target merchant transaction information is sent to the SIM card operator unit via the merchant SIM card; the merchant SIM card is used to send merchant transaction information to the SIM card operator unit based on 5G message technology.

[0062] In the embodiment, the transaction detection unit monitors the target merchant transaction information transmitted by the merchant SIM card in real time, and once a transaction that meets the preset conditions is detected, the subsequent processing flow will be triggered. The target merchant transaction information includes the payment bank identification, the acceptance bank identification, the transaction message information and the merchant identity information, which are crucial for subsequent transaction processing and data analysis.

[0063] After receiving the target merchant's transaction information, the SIM card operator unit will process and analyze the information. First, based on the payment bank ID and the acceptance bank ID, the SIM card operator unit can determine the bank information of both parties to the transaction, thereby ensuring the security and accuracy of the transaction. Then, by analyzing the transaction message information, the SIM card operator unit can obtain detailed transaction information, such as transaction amount, transaction time, etc., to facilitate subsequent data statistics and analysis. Finally, the merchant identity information can help the SIM card operator unit authenticate the merchant and ensure the merchant's legitimacy and authenticity.

[0064] After completing the processing of transaction information, the merchant SIM card will send this information to the SIM card operator unit. Here, 5G message technology is used to achieve high-speed and stable information transmission. This technology can not only improve the transmission speed of transaction information, but also ensure the security and accuracy of information.

[0065] After receiving the merchant transaction information, the SIM card operator unit will process it accordingly. First, it will verify the identity of the merchant SIM card to ensure that the source of the information is legal. Then, the transaction information will be stored and backed up to prevent information loss. Finally, the SIM card operator unit will upload the transaction information to the cloud for subsequent data analysis and processing.

[0066] In summary, the solution provided by this embodiment can realize real-time monitoring, processing and analysis of merchant transaction information, thereby ensuring the security, accuracy and efficiency of transactions. At the same time, the use of 5G message technology for information transmission further improves the speed and stability of information transmission, providing merchants with a better service experience. On this basis, the solution can be adjusted and optimized according to actual needs to meet the application needs in different scenarios.

[0067] In one embodiment, the transaction detection unit, such as Figure 2 As shown, including:

[0068] The transaction information receiving module 201 is used to receive the target merchant transaction information from the merchant SIM card;

[0069] The transaction information preprocessing module 202 is used to preprocess the received transaction information and extract the payment bank identifier, acceptance bank identifier, transaction message information and merchant identity information of the target merchant transaction;

[0070] The transaction information detection module 203 is used to determine the legitimacy and accuracy of the target merchant's transaction information according to preset transaction detection rules;

[0071] The transaction information sending module 204 is used to send the target merchant transaction information to the SIM card operator unit via the merchant SIM card after determining that the legitimacy and accuracy of the target merchant transaction information have passed the test.

[0072] In this embodiment, the main components of the transaction detection unit include a transaction information receiving module, a transaction information preprocessing module, a transaction information detection module and a transaction information sending module. These modules work together to ensure the security and accuracy of the transaction.

[0073] The transaction information receiving module is responsible for receiving the target merchant transaction information from the merchant SIM card. This information may include the payment bank identification, acceptance bank identification, transaction message information and merchant identity information. Next, the transaction information preprocessing module will preprocess the received transaction information and extract key information to prepare for subsequent detection.

[0074] The transaction information detection module works according to the preset transaction detection rules. It will detect the pre-processed transaction information to determine its legality and accuracy. If the transaction information meets the regulations, the transaction information sending module will come into play. It will send the confirmed legal and accurate target merchant transaction information to the SIM card operator unit through the merchant SIM card.

[0075] In the above examples, merchants can ensure that their interests are not harmed in this way; consumers can shop with confidence without worrying about any problems with the transaction.

[0076] In one embodiment, the transaction information sending module is specifically used to:

[0077] After confirming that the legitimacy and accuracy of the target merchant's transaction information have passed the test, obtain the preset merchant SIM card key;

[0078] The target merchant transaction information and the merchant SIM card encryption key are sent to the SIM card operator unit via the merchant SIM card.

[0079] In the embodiment, the transaction information sending module also includes the following functions:

[0080] 1. Verify the activation status of the merchant's SIM card and ensure that the card is in an activated state before sending transaction information.

[0081] 2. Encrypt the target merchant’s transaction information, using the preset encryption algorithm and encryption key to ensure the security of the transaction information.

[0082] 3. Generate a digital signature to ensure the integrity and non-tamperability of transaction information.

[0083] 4. Send the encrypted transaction information and digital signature to the SIM card operator unit for subsequent transaction processing.

[0084] 5. Receive the processing results returned by the SIM card operator unit, such as transaction success or failure information, and update the merchant's transaction status based on this information.

[0085] In another embodiment, the transaction detection unit further includes the following modules:

[0086] 1. Risk assessment module: Conduct risk assessment on transactions based on merchant’s transaction behavior, transaction amount, transaction time and other factors to identify potential financial risk events.

[0087] 2. Abnormal transaction detection module: Analyze the risk assessment results and trigger the alarm mechanism when it is determined that there is an abnormal transaction to alert relevant personnel.

[0088] 3. Transaction review module: Manually review abnormal transactions to further confirm the authenticity and legality of the transactions.

[0089] Through the collaborative work of the above modules, the transaction detection unit can effectively ensure the security and legality of merchant transactions and improve the efficiency of transaction processing. In practical applications, these modules can be appropriately adjusted and optimized according to business needs and security requirements.

[0090] In addition, the transaction detection unit can also be connected with other systems, such as payment systems, financial systems, customer relationship management systems, etc., to achieve real-time sharing of transaction information and data analysis. In this way, not only can the efficiency of transaction processing be improved, but also more personalized financial services can be provided to merchants to promote business growth.

[0091] In summary, the transaction detection unit plays an important role in ensuring merchant transaction security and improving transaction processing efficiency. By continuously optimizing and improving related functions, it helps to build a safe, convenient and efficient transaction environment.

[0092] In another embodiment, the specific operation steps of the transaction information sending module are as follows:

[0093] 1. After confirming that the legitimacy and accuracy of the target merchant's transaction information have passed the test, the module will obtain the preset merchant SIM card key.

[0094] 2. Next, the module will send the processed target merchant transaction information and the merchant SIM card encryption key to the SIM card operator unit.

[0095] 3. After receiving the transaction information, the SIM card operator unit will perform subsequent processing according to the preset process, such as merchant identity verification, transaction amount verification, etc.

[0096] 4. After the transaction information is processed, the SIM card operator unit will return the processing results to the merchant SIM card.

[0097] Through the above embodiments, we can see that the design of the transaction detection unit is to ensure the security and accuracy of merchant transactions. Through the preset transaction detection rules and encryption technology, illegal transactions can be effectively prevented and the rights and interests of merchants and consumers can be protected. At the same time, this design also improves the processing efficiency of transactions and reduces transaction risks. On this basis, the transaction detection unit can be optimized and adjusted according to actual needs to meet changing business needs.

[0098] In one embodiment, the SIM card operator unit is specifically used to:

[0099] Obtaining a decryption key associated with the merchant SIM card encryption key from a SIM card operator database;

[0100] Decrypting the received transaction information of the target merchant using the decryption key;

[0101] According to the merchant identity information carried in the decrypted target merchant transaction information, an identity authentication operation is performed on the merchant SIM card.

[0102] In the embodiment, the SIM card operator unit may perform the following steps:

[0103] Receive SIM card encrypted transaction information from merchants, which has been encrypted by the merchant's SIM card before sending;

[0104] Preprocessing the encrypted transaction information, including parsing the merchant identity information, transaction amount and other information in the information;

[0105] Sending the pre-processed transaction information to the SIM card operator database in order to obtain the decryption key associated with the merchant SIM card encryption key;

[0106] After receiving the decryption key, the received target merchant transaction information is decrypted using the decryption key;

[0107] Perform identity authentication on the decrypted target merchant transaction information to ensure the authenticity of the merchant's identity;

[0108] If the identity authentication operation is successful, the decrypted transaction information will be sent to the corresponding payment system for subsequent transaction processing;

[0109] If the identity authentication operation fails, the transaction is rejected and a notification of identity authentication failure is sent to the merchant.

[0110] In such an implementation, the merchant's SIM card encryption key and decryption key are used to encrypt and decrypt transaction information, respectively, to ensure the security of transaction information. At the same time, by pre-processing and identity authentication operations on the received transaction information, it is possible to effectively prevent illegal merchants or malicious behaviors from affecting transactions, thereby improving the security and reliability of transactions.

[0111] In addition, this embodiment may further include the following steps:

[0112] Extracting the merchant's geographic location information from the decrypted target merchant's transaction information, and providing the merchant with nearby services or preferential information based on the geographic location information;

[0113] Provide personalized services or preferential information to merchants based on their identity information;

[0114] Recommend products or services that may be of interest to merchants based on their transaction records.

[0115] Through these steps, not only can the merchant's transaction experience be improved, but also more abundant value-added services can be provided to merchants, further increasing merchant satisfaction and loyalty.

[0116] In other implementations, the above steps may be appropriately modified and adjusted to meet different scenarios and requirements. For example, the merchant transaction information may be encrypted and decrypted to varying degrees based on factors such as the merchant's SIM card type, service type, and transaction amount. In addition, the merchant identity authentication process and method may be adjusted based on actual conditions.

[0117] In specific implementation, the SIM card operator unit is used to perform an identity authentication operation on the merchant SIM card according to the merchant identity information carried in the target merchant transaction information; after the identity authentication operation is successful, obtain the contract bank information associated with the merchant SIM card from the SIM card operator database; based on the contract bank information, send a merchant transaction request corresponding to the target merchant transaction information to the commercial bank corresponding to the acceptance bank identifier; the SIM card operator database includes contract bank information corresponding to the merchant identity information one by one; the contract bank information is used to describe the payment bank information and acceptance bank information corresponding to the merchant identity information.

[0118] In an embodiment, the SIM card operator unit may carry the merchant identity information and perform an identity authentication operation on the merchant SIM card. After the identity authentication operation is successful, the SIM card operator unit obtains the contracted bank information associated with the merchant SIM card from the SIM card operator database. Based on the contracted bank information, the SIM card operator unit sends a merchant transaction request corresponding to the target merchant transaction information to the commercial bank corresponding to the acceptance bank identifier.

[0119] In addition, the SIM card operator database includes contracted bank information corresponding to the merchant identity information. These contracted bank information are used to describe the payment bank information and acceptance bank information corresponding to the merchant identity information. In this way, when the merchant needs to conduct a transaction, the SIM card operator unit can quickly match the corresponding bank information according to the merchant's identity information, thereby realizing rapid processing of the merchant's transaction request.

[0120] In the embodiment, in order to ensure the security and reliability of merchant transactions, the SIM card operator unit also implements a series of security measures. For example, when authenticating the merchant SIM card, technical means such as password authentication and fingerprint recognition can be used to ensure that only legitimate merchants can use the system. In addition, the merchant transaction request can also be encrypted to prevent the transaction information from being illegally tampered with during the transmission process.

[0121] When the merchant's transaction request is received by the commercial bank, the commercial bank will conduct internal processing based on the contracted bank information, including verifying the merchant's identity, verifying the transaction amount, etc. After confirming that the transaction is legal, the commercial bank will send a successful transaction notification to the merchant. At the same time, the merchant can query the transaction status through the system and understand the transaction progress in real time.

[0122] In summary, the merchant transaction processing method provided in this embodiment can realize efficient management and secure processing of merchant transactions. Merchants only need to carry one SIM card to realize the integration of multiple payment methods, which improves the convenience of merchant transactions. At the same time, the merchant identity is authenticated by the SIM card operator unit, ensuring the security of merchant transactions. In addition, this embodiment also provides a reliable commercial bank docking method, which further improves the reliability of merchant transactions.

[0123] In one embodiment, the SIM card operator unit is further configured to:

[0124] Pre-acquire the target merchant's merchant identity information and the target merchant's contracted bank information;

[0125] Based on the different commercial bank information associated and integrated by the SIM card operator, a bank payment path is established between the different commercial bank information and the contracted bank information;

[0126] According to the bank payment path, a SIM card operator database is established.

[0127] In another embodiment, the SIM card operator unit is further configured to:

[0128] 1. After receiving the merchant's identity information verification request, the SIM card operator unit can compare it with the information in the database to ensure the accuracy of the merchant's identity information. This step can be achieved through advanced data matching technology to improve the accuracy and efficiency of verification.

[0129] 2. Once the verification is successful, the SIM card operator unit will generate a unique merchant ID for the merchant. This merchant ID will become the merchant's identity in subsequent transactions, helping to ensure the security and reliability of transactions.

[0130] 3. The SIM card operator unit will then associate the merchant ID with the merchant identity information and store it. In this way, even in subsequent transactions, the merchant ID can be used to trace the merchant's identity information, thereby ensuring the authenticity and legitimacy of the transaction.

[0131] 4. In addition, the SIM card operator unit will also associate and store the merchant ID with the contracted bank information. The purpose of this step is to quickly and accurately associate the merchant ID with the bank account in the subsequent transaction process, thereby simplifying the transaction process and improving transaction efficiency.

[0132] 5. In order to ensure the uniqueness and stability of the merchant ID, the SIM card operator unit also needs to manage and maintain the merchant ID. For example, when the merchant changes banks or changes identity information, the SIM card operator unit should update the relevant information in a timely manner to ensure the relevance of the merchant ID with the merchant identity information and contracted bank information.

[0133] 6. Throughout the process, the SIM card operator unit needs to ensure the security and confidentiality of the data. To this end, advanced data encryption and protection technologies can be used to prevent data leakage and tampering.

[0134] 7. In addition, the SIM card operator unit should also have a good user interface so that merchants and managers can easily use and manage relevant information. At the same time, it is also necessary to provide comprehensive after-sales service to deal with problems that may arise during the transaction.

[0135] Through the implementation of the above solution, the SIM card operator unit plays an important role in merchant identity verification, merchant ID generation and management, contracted bank information association, etc. This not only helps to ensure the security and reliability of transactions, but also helps to improve transaction efficiency and meet the needs of merchants and consumers.

[0136] During the transaction, the SIM card operator unit is responsible for the following operations:

[0137] 1. Receive merchant transaction request, including merchant ID and transaction amount;

[0138] 2. Query the merchant's contracted bank information based on the merchant ID;

[0139] 3. Send transaction request to the accepting bank based on the contracted bank information;

[0140] 4. Receive transaction response from the accepting bank;

[0141] 5. Update the merchant’s transaction records and account balance based on the transaction response;

[0142] 6. Send transaction success notification to the merchant.

[0143] In the embodiment, 1. when receiving a merchant transaction request, the SIM card operator unit needs to perform a validity check on the request information, including verifying the legitimacy of the merchant ID and the accuracy of the transaction amount;

[0144] 2. After checking the merchant's contracted bank information, the SIM card operator unit needs to verify the bank information to ensure the authenticity and security of both parties to the transaction;

[0145] 3. When sending a transaction request to the accepting bank, the SIM card operator unit needs to use encryption technology to protect the transaction information to prevent data leakage and tampering;

[0146] 4. After receiving the transaction response from the accepting bank, the SIM card operator unit needs to decrypt and parse the response data to obtain the transaction results and related information;

[0147] 5. Based on the transaction response, the SIM card operator unit needs to update the merchant's transaction records and account balances in real time to ensure the accuracy and timeliness of the data;

[0148] Through the above solutions, SIM card operator units can not only better complete various operations in the transaction process, but also improve transaction security, convenience and personalized service levels. This will help promote the healthy development of the mobile payment industry and bring better payment experience to merchants and consumers.

[0149] In summary, the present invention implements functions such as merchant identity authentication, bank payment path establishment, and transaction processing through the SIM card operator unit, thereby improving the security and convenience of merchant transactions. At the same time, the present invention also provides merchants with personalized preferential services, which helps to improve the loyalty and satisfaction of merchants. The various components and functions in the embodiments can be adjusted and optimized according to actual conditions to meet different scenarios and needs.

[0150] In a specific application scenario, such as a shopping mall, there are many merchants, each with a different contracted bank. At this time, the SIM card operator unit can obtain the merchant identity information and contracted bank information of each merchant in advance. Then, according to the different commercial bank information that the SIM card operator has associated and integrated, a corresponding bank payment path is established for each merchant. These payment paths will be stored in the SIM card operator database.

[0151] When a merchant initiates a transaction, the SIM card operator unit will perform an identity authentication operation on the merchant's SIM card based on the merchant's identity information in the transaction information. After the identity authentication operation is successful, the SIM card operator unit will obtain the contracted bank information associated with the merchant's SIM card from the database. Then, based on the contracted bank information, the merchant transaction request is sent to the commercial bank corresponding to the acceptance bank identifier.

[0152] The advantage of this method is that merchants do not need to worry about payment issues during the transaction process, and SIM card operators can effectively manage merchants' payment information. After the merchant's transaction request has been authenticated and verified, the security and accuracy of the transaction can be ensured. In addition, SIM card operators can also monitor and analyze merchants' transactions in real time based on their transaction information and bank payment paths, providing merchants with more convenient and efficient financial services.

[0153] In summary, by obtaining merchant identity information and contracted bank information in advance, establishing a bank payment path, and performing identity authentication and merchant transaction request sending based on transaction information, a safe, efficient and convenient merchant transaction solution can be achieved. This solution can not only improve merchant transaction efficiency, but also bring more business opportunities to SIM card operators and commercial banks.

[0154] During specific implementation, the transaction processing unit is used to combine the payment bank identifier, acceptance bank identifier and transaction message information carried by the target merchant transaction information, perform account processing from the payment bank to the acceptance bank on the merchant transaction request, and obtain the merchant transaction request processing result; and feed back the merchant transaction request processing result to the target merchant.

[0155] In the embodiment, the transaction processing unit is further divided into a payment bank transaction processing module and an acceptance bank transaction processing module. The payment bank transaction processing module is responsible for processing transaction requests from the payment bank, including operations such as verification, clearing and settlement of transaction information. The acceptance bank transaction processing module is responsible for processing transaction requests from the acceptance bank, including operations such as review, clearing and settlement of transaction information.

[0156] During the transaction processing, the transaction processing unit will process the merchant's transaction request based on the payment bank ID, acceptance bank ID and transaction message information in the merchant's transaction information. During the processing, the transaction processing unit will perform accounting processing on the transaction request according to the pre-set rules and procedures. This process includes the settlement of the transaction amount, the calculation of the transaction fee and the update of the transaction status.

[0157] After completing the account processing, the transaction processing unit will feedback the processing results of the merchant's transaction request to the target merchant. This feedback process can be carried out through SMS, email or other communication methods. In the feedback information, the merchant can learn whether the transaction is successful, the transaction amount, transaction fees and other related information. In addition, the transaction processing unit will also synchronize the processing results to the merchant's transaction record, so that the merchant can check the transaction status at any time.

[0158] In one embodiment, the merchant SIM card is further used for:

[0159] Send a request interface to merchants with different cloud SIM services;

[0160] Receive the target cloud SIM service fed back by the merchant on the request interface; the target cloud SIM service includes transaction fund flow analysis, transaction-related commercial bank analysis, and transaction customer analysis;

[0161] Sending an instruction to the SIM card operator unit to provide the target cloud SIM service to the merchant; the SIM card operator unit is also used to obtain the historical operation data of the SIM card operator unit according to the instruction of the target cloud SIM service, generate feedback information corresponding to the target cloud SIM service and send it to the merchant SIM card;

[0162] Receive and display the feedback information fed back by the SIM card operator unit.

[0163] In another embodiment, the merchant SIM card also has the following functions:

[0164] 1. Send consultation interfaces about different cloud SIM services to merchants;

[0165] 2. Receive the target cloud SIM service selected by the merchant in the consultation interface;

[0166] 3. The merchant SIM card sends a command to the SIM card operator unit to provide the corresponding service based on the target cloud SIM service fed back;

[0167] 4. The SIM card operator unit analyzes the merchant's transaction fund flow, the commercial banks involved, the transaction customers and other information according to the instructions;

[0168] 5. Generate feedback information for the target cloud SIM service and send it to the merchant SIM card;

[0169] 6. The merchant SIM card receives and displays the feedback information fed back by the SIM card operator unit.

[0170] In this embodiment, the merchant SIM card may also include the following functions:

[0171] 1. Monitor merchants' transactions in real time and provide transaction data analysis;

[0172] 2. Provide personalized financial service recommendations to merchants based on their transaction status;

[0173] 3. Regularly send transaction summary reports to merchants to help them understand transaction status and optimize business strategies;

[0174] 4. Provide real-time transaction risk warning to ensure the safety of merchants’ funds;

[0175] 5. Support merchants to query transaction records online, making it easier for merchants to manage their business.

[0176] In addition, merchant SIM cards can also be combined with other business systems to achieve more functions, such as:

[0177] 1. Integrate with the financial system to realize automatic accounting, reconciliation and other functions;

[0178] 2. Integrate with the inventory management system to realize functions such as commodity inventory warning and replenishment suggestions;

[0179] 3. Integrate with the customer relationship management system (CRM) to realize functions such as customer data analysis and marketing campaign push.

[0180] In the embodiment, a specific design scheme of the above merchant SIM card is given:

[0181] 1. Hardware design: The merchant SIM card uses a high-performance processor to ensure stable operation and efficient processing speed in high-concurrency transaction scenarios. At the same time, the card has a large-capacity storage space to store the merchant's transaction data and personalized service information.

[0182] 2. Software design: The software system of the merchant SIM card adopts a modular design, mainly including the following modules:

[0183] a. Communication module: responsible for data interaction with the cloud server to achieve the connection between merchants and cloud SIM services.

[0184] b. Data processing module: processes merchant transaction data, such as transaction data analysis, risk warning, etc.

[0185] c. Financial service recommendation module: Provide personalized financial service recommendations based on the merchant’s transaction status.

[0186] d. Report module: Generate transaction summary reports regularly to help merchants understand transaction status.

[0187] 3. Security design: Merchant SIM cards use encryption algorithms to ensure the security of transaction data during transmission and storage. At the same time, the card also has anti-tampering and anti-theft functions to ensure the safety of merchants' funds.

[0188] 4. User interface design: The merchant SIM card provides a simple and easy-to-use user interface, allowing merchants to easily operate and view relevant functions. For example, merchants can view transaction records, set transaction reminders, etc. through the card.

[0189] 5. Partnership: Establish partnerships with multiple financial institutions, e-commerce platforms, etc. to provide merchants with more value-added services. For example, cooperate with banks to provide merchants with preferential financial services; cooperate with e-commerce platforms to provide merchants with convenient online sales channels.

[0190] Through the above design, the merchant SIM card provides merchants with a full range of financial services and support, effectively improving the merchant's operating efficiency and security. In the future, as merchant SIM card technology continues to develop and improve, it will play an increasingly important role in the daily operations of merchants, helping merchants achieve rapid business growth.

[0191] Through the above embodiments, it can be seen that merchant SIM cards have high practicality and convenience in merchant transaction processing, cloud SIM service provision, etc. It can not only improve the transaction efficiency of merchants and reduce transaction costs, but also help merchants better manage their business and analyze the market, thereby enhancing the core competitiveness of merchants. In the context of the rapid development of the financial payment industry, the application of merchant SIM cards will have broad market prospects.

[0192] In a specific application scenario, for example, a supermarket-type merchant wants to use cloud SIM services to improve its transaction processing efficiency. First, the merchant SIM card will send a request interface with different cloud SIM services to the merchant, and the merchant can select and feedback the target cloud SIM service it needs on the interface.

[0193] In this example, the merchant selected three services: transaction fund flow analysis, transaction involved commercial bank analysis, and transaction customer analysis. Then, the merchant SIM card will send this information to the SIM card operator unit, which will obtain historical operation data based on this information and generate corresponding feedback information.

[0194] Then, the SIM card operator unit will send the generated feedback information back to the merchant SIM card, and the merchant SIM card will receive and display this information to the merchant. In this way, the merchant can optimize the transaction processing process and improve transaction efficiency based on these analysis results.

[0195] In addition, the merchant SIM card will also process the merchant's transaction request, and after processing, it will feedback the processing results to the merchant. In this way, the merchant can understand the transaction status in time, which is convenient for subsequent business operations.

[0196] In this way, merchants can better manage their own transactions, improve transaction efficiency and reduce transaction risks. At the same time, it also provides a reference for other merchants to help them find cloud SIM services that suit them and improve business processing efficiency.

[0197] In this process, the collaborative work between the payment bank, the acceptance bank and the transaction processing unit ensures the smooth progress of the transaction. The interaction between the merchant SIM card, the SIM card operator unit and the merchant enables the merchant to use the cloud SIM service more conveniently and improve the efficiency of transaction processing.

[0198] A specific embodiment is given below to illustrate the specific application of the system of the present invention. This embodiment proposes to untie the payment of commercial banks from acquiring and clearing, support commercial banks to export payment services only as payment authenticators, and package the payment authentication capabilities of various commercial banks through a 5G SIM integrated card to form a unified payment interface for external output. Combined with 5G messaging technology, this solves the problem of multiple file creation and docking development required for merchants to access payment methods of multiple commercial banks.

[0199] The information of multiple commercial banks is integrated into the central database of the banking industry. The operator interactive service interacts with the bank information integration service. After the acquiring merchant passes the operator authentication when signing the contract, the information between the acquiring account and the bank account is linked in the central bank database, and the authentication association information is stamped on the acquiring merchant's authentication mobile phone SIM card.

[0200] When a customer pays at an acquiring merchant (for example, when a customer pays with an ICBC card and the acquiring institution is a CCB account), the payment information is sent to the operator through the SIM card for authentication. After the transaction authentication is completed, the operator sends a business processing request to the associated bank. The bank processes the business request (for example, transferring from an ICBC account to a CCB account), performs account processing, records the transaction log, and sends back the transaction result information to the operator.

[0201] The specific steps may include:

[0202] 1. Unbinding the payment, acquiring and clearing businesses of commercial banks: Through technical means, the payment, acquiring and clearing businesses of commercial banks are unbinded, allowing commercial banks to focus on the role of payment authenticators and provide efficient payment services.

[0203] 2.5G SIM integrated card unified payment interface: Utilizing 5G SIM integrated card technology, the payment authentication capabilities of various commercial banks are packaged to form a unified payment interface, which is convenient for merchants to access and manage.

[0204] 3.5G message technology solves the connection problem: Through 5G message technology, merchants can quickly connect with the payment methods of various commercial banks, reducing the development and time costs of merchants.

[0205] 4.Integration of information from the central database of the banking industry: Integrate the information of multiple commercial banks into the central database of the banking industry to facilitate the interaction between operators and bank information.

[0206] 5. Association of acquiring account with bank account: When the acquiring merchant signs the contract, the operator will conduct authentication and link the acquiring account with the bank account to improve payment security.

[0207] 6. Payment information authentication and business processing: When a customer pays at a merchant, the payment information is sent to the operator for authentication via the SIM card. After the operator completes the transaction authentication, it sends a business processing request to the associated bank, which processes the business request and performs account processing.

[0208] 7. Record transaction logs and send back transaction results: The bank records transaction logs and sends back transaction result information to the operator to achieve a closed loop of payment services.

[0209] The present invention innovatively unbinds commercial bank payment from acquiring and clearing services, uses 5G technology and a central database to integrate information from multiple commercial banks, provides a unified payment interface, and solves the problem of merchants accessing payment methods from multiple commercial banks. At the same time, through operator authentication and business processing, payment security is guaranteed and payment efficiency is improved.

[0210] Here is a specific example:

[0211] Assume that a merchant named "A" wants to access the payment services of multiple commercial banks. According to the traditional practice, the merchant needs to connect with each bank separately and develop multiple payment interfaces, which is not only labor-intensive but also high in operating costs. However, using the method proposed in the present invention, the steps are as follows:

[0212] 1. Merchant A signs a contract with the operator to link Merchant A’s acquiring account with the bank account.

[0213] 2. The operator provides merchant A with a 5G SIM integrated card with a built-in unified payment interface.

[0214] 3. When merchant A receives a payment request from a customer, it sends the payment information to the operator via the SIM card for authentication.

[0215] 4. The operator sends the request to the associated bank for account processing based on the payment information.

[0216] 5. The bank processes the business request and performs accounting processing, while recording the transaction log.

[0217] 6. The bank sends the transaction result information back to the operator, and the operator then notifies Merchant A of the result.

[0218] Through the above steps, merchant A can easily access the payment services of multiple commercial banks, greatly reducing operating costs and workload. At the same time, since payment and clearing services are unbundled, banks can focus more on improving payment authentication efficiency and security.

[0219] The present invention is not only applicable to merchants, but can also be widely used in other payment scenarios, such as public transportation, utility bill payment, online shopping, etc. In these scenarios, users can enjoy fast, safe and convenient payment services, improving the payment experience.

[0220] In addition, the present invention can be further applied, for example:

[0221] 1. Combining big data and artificial intelligence technologies, we provide merchants with intelligent payment service recommendations and optimization solutions.

[0222] 2. Through 5G messaging technology, real-time interactive functions such as payment notifications and transaction reminders can be realized to improve user experience.

[0223] 3. Introduce multiple parties to participate, such as payment institutions, financial technology companies, etc., to jointly build an open payment ecosystem.

[0224] In summary, the present invention innovatively unbinds commercial bank payment from acquiring and clearing services, uses 5G technology and a central database to integrate information from multiple commercial banks, provides a unified payment interface, and solves the problem of merchants accessing payment methods from multiple commercial banks. At the same time, through operator authentication and business processing, payment security is guaranteed and payment efficiency is improved.

[0225] For example, Figure 3 As shown, the transaction payment system based on 5G messages may include:

[0226] Acquirers (providing SIM card services, i.e. the transaction detection unit mentioned above), operators (providing online payment clearing platforms, i.e. the SIM card operator units mentioned above), and banking institutions (i.e. the transaction processing units mentioned above).

[0227] The above components are described in detail as follows:

[0228] 1. The acquirer can first obtain the message request and send it to the operator;

[0229] The message request may include:

[0230] 1. TransID1 (financial institution code) of the sender;

[0231] 2. Message direction identifier OrientID1 (identifier from the acceptance agency to the platform);

[0232] 3. Transaction serial number orderID;

[0233] 4. Basic information field message (region information, transaction device information, order information, mobile phone number, etc.);

[0234] 5. Encrypted message with sensitive information field (personal account information).

[0235] 2. The operator may forward the message according to the message request. The forwarding details are as follows:

[0236] 1. TransID2, the sender's institution identifier (the platform's financial institution code);

[0237] 2. Message direction identifier OrientID2 (platform to bank identifier);

[0238] 3. Transaction serial number crderID;

[0239] 4. Basic information field message (region information, transaction equipment information, order information, etc.);

[0240] 5. Encrypted message with sensitive information field (personal account information).

[0241] 3. Bank institutions can process the forwarded messages received; after processing, the messages can be returned. The specific return details are as follows:

[0242] 1. TransID3 (financial institution code) of the sender;

[0243] 2. Message direction identifier DrientID4 (bank to platform identifier);

[0244] 3. Transaction serial number orderID;

[0245] 4. Transaction result field message.

[0246] 4. After receiving the return message from the bank, the operator will forward the return message. The forwarding details are as follows:

[0247] 1. TransID2, the sender's institution identifier (the platform's financial institution code);

[0248] 2. Message direction identifier OrientID4 (platform guide bank identifier);

[0249] 3. Transaction serial number orderID;

[0250] 4. Transaction result field message.

[0251] 5. The acquiring institution receives the returned message and presents it to the merchant after parsing.

[0252] The above message is described in detail below in combination with a specific application scenario:

[0253] First, when a user consumes at a merchant, the merchant will send a message request to the acquiring institution, which contains user account information, order information, etc. After receiving the request, the acquiring institution will send the message request to the operator.

[0254] Second, after receiving the message request, the operator will forward the request to the banking institution based on the information in the message request. After receiving the request, the banking institution will decrypt the sensitive information in the request and process the transaction in the request. After the processing is completed, the banking institution will send the processing results to the operator.

[0255] Third, after receiving the processing results from the bank, the operator will forward the results to the acquiring institution. After receiving the processing results, the acquiring institution will present the transaction results to the merchant based on the results.

[0256] Fourth, when the merchant receives the transaction results, he will perform corresponding operations based on the results, such as sending a prompt of successful payment to the user.

[0257] Fifth, after receiving the prompt of successful payment, the user will know that the transaction has been completed, thus completing the entire transaction process.

[0258] In the entire transaction process, the 5G message transaction payment system plays an important role. It not only ensures the security and efficiency of the transaction, but also improves the experience of users and merchants. In addition, the system can monitor the transaction in real time and effectively prevent fraud, money laundering and other illegal activities.

[0259] In the above example, the transaction payment system completes the entire transaction process through 5G messages. First, the acquiring institution obtains the message request, which contains the sender institution identifier, message direction identifier, transaction serial number, basic information field message, and sensitive information field encrypted message. Then, the operator forwards the message according to the message request and sends the message to the banking institution. After processing the forwarded message, the banking institution returns a message containing the transaction result field. Finally, the operator forwards the returned message to the acquiring institution, which parses it and presents it to the merchant.

[0260] The entire transaction process is carried out efficiently with the support of 5G messages, which improves the security and real-time nature of the transaction. Through message requests and returns, each party completes the transmission and confirmation of transaction information. On this basis, the two parties can carry out subsequent business operations based on the returned transaction result fields, such as merchant settlement and consumer refunds.

[0261] In addition, the 5G message transaction payment system also has the following advantages:

[0262] 1. Security: Sensitive information fields are transmitted using encrypted messages to ensure user privacy and transaction security.

[0263] 2. Real-time: Through the 5G network, transaction information is transmitted faster, reducing transaction latency and improving user experience.

[0264] 3. Reliability: The 5G network has high stability and coverage, ensuring the smooth progress of the transaction process.

[0265] 4. Convenience: Users can complete transaction payments simply through mobile phone text messages, which lowers the threshold for use.

[0266] 5. Low cost: Compared with traditional payment methods, the 5G message transaction payment system reduces the operating costs of financial institutions and merchants.

[0267] Of course, it is understandable that the above detailed process may have other variations, and the relevant variations should all fall within the protection scope of the present invention.

[0268] In an embodiment of the present invention, a transaction detection unit is used to detect target merchant transaction information of a target merchant on a SIM card terminal transmitted by a preset merchant SIM card; the target merchant transaction information carries a payment bank identifier, an acceptance bank identifier, transaction message information and merchant identity information of the target merchant transaction; the target merchant transaction information is sent to a SIM card operator unit via the merchant SIM card; the merchant SIM card is used to send the merchant transaction information to the SIM card operator unit based on the 5G message technology; the SIM card operator unit is used to detect the merchant SIM card according to the merchant identity information carried by the target merchant transaction information Perform an identity authentication operation; after the identity authentication operation is successful, obtain the contract bank information associated with the merchant SIM card from the SIM card operator database; based on the contract bank information, send a merchant transaction request corresponding to the target merchant transaction information to the commercial bank corresponding to the acceptance bank identifier; the SIM card operator database includes contract bank information corresponding to the merchant identity information one by one; the contract bank information is used to describe the payment bank information and acceptance bank information corresponding to the merchant identity information; a transaction processing unit is used to combine the payment bank identifier, acceptance bank identifier and transaction message carried by the target merchant transaction information The merchant's transaction request is processed by the payment bank to the acceptance bank to obtain the merchant's transaction request processing result; the merchant's transaction request processing result is fed back to the target merchant. Compared with the technical solution in the prior art that requires merchants to open files and accounts with different commercial banks respectively, the merchant's SIM card and SIM card operator unit are set to detect and forward the target merchant's transaction information, and the SIM card operator unit initiates a transaction request to the bank to realize the account processing from the payment bank to the acceptance bank, so that the merchant can only complete the transaction payment operation with different commercial banks through the merchant SIM card, and no longer needs to go through different commercial banks. The bank's file creation and account opening enables the SIM card based on 5G messaging technology to package the payment authentication capabilities of various commercial banks into a unified payment interface for external output, so that commercial banks can export payment services only as a payment authenticator, solving the problem of merchants having to create files and connect and develop multiple times to access payment methods of multiple commercial banks. It unbinds the payment, acquiring and clearing businesses of commercial banks, simplifies the payment authentication process, and enables merchants to quickly connect and process transactions with payment methods of various commercial banks, thereby improving the transaction payment efficiency of merchants with different commercial banks, reducing the bank access costs for merchants to make transaction payments, and improving the merchant's transaction payment experience.

[0269] The embodiment of the present invention also provides a transaction payment method based on 5G messages, which is used to improve the transaction payment efficiency of merchants in different commercial banks, reduce the bank access cost of merchants for transaction payment, and improve the transaction payment experience of merchants. Figure 4 As shown, the method includes:

[0270] Step 401: Detecting the target merchant transaction information of the target merchant on the SIM card terminal transmitted by the preset merchant SIM card; the target merchant transaction information carries the payment bank identifier, acceptance bank identifier, transaction message information and merchant identity information of the target merchant transaction;

[0271] Step 402: Send the target merchant transaction information to the SIM card operator unit via the merchant SIM card; the merchant SIM card is used to send the merchant transaction information to the SIM card operator unit based on the 5G message technology; the SIM card operator unit is used to: perform identity authentication operation on the merchant SIM card according to the merchant identity information carried in the target merchant transaction information; after the identity authentication operation is successful, obtain the contract bank information associated with the merchant SIM card from the SIM card operator database; based on the contract bank information, send a merchant transaction request corresponding to the target merchant transaction information to the target commercial bank corresponding to the acceptance bank identifier; the SIM card operator database includes contract bank information corresponding to the merchant identity information one by one; the contract bank information is used to describe the payment bank information and acceptance bank information corresponding to the merchant identity information; the target commercial bank is used to combine the payment bank identifier, acceptance bank identifier and transaction message information carried in the target merchant transaction information to perform account processing from the payment bank to the acceptance bank on the merchant transaction request to obtain the merchant transaction request processing result;

[0272] Step 403: receiving the merchant transaction request processing result fed back by the target commercial bank;

[0273] Step 404: Feedback the merchant transaction request processing result to the target merchant.

[0274] In one embodiment,

[0275] Detecting target merchant transaction information of a target merchant on a SIM card terminal transmitted by a preset merchant SIM card; sending the target merchant transaction information to a SIM card operator unit via the merchant SIM card, including:

[0276] Receiving target merchant transaction information from the merchant SIM card;

[0277] Pre-process the received transaction information to extract the payment bank ID, acceptance bank ID, transaction message information and merchant identity information of the target merchant transaction;

[0278] Determine the legitimacy and accuracy of the target merchant's transaction information based on the preset transaction detection rules;

[0279] After determining that the legality and accuracy of the target merchant transaction information have passed the test, the target merchant transaction information is sent to the SIM card operator unit via the merchant SIM card.

[0280] In one embodiment, after determining that the legitimacy and accuracy of the target merchant transaction information have passed the test, sending the target merchant transaction information to the SIM card operator unit via the merchant SIM card includes:

[0281] After confirming that the legitimacy and accuracy of the target merchant's transaction information have passed the test, obtain the preset merchant SIM card key;

[0282] The target merchant transaction information and the merchant SIM card encryption key are sent to the SIM card operator unit via the merchant SIM card.

[0283] In one embodiment, the SIM card operator unit is specifically used to:

[0284] Obtaining a decryption key associated with the merchant SIM card encryption key from a SIM card operator database;

[0285] Decrypting the received transaction information of the target merchant using the decryption key;

[0286] According to the merchant identity information carried in the decrypted target merchant transaction information, an identity authentication operation is performed on the merchant SIM card.

[0287] In one embodiment, the SIM card operator unit is further used for:

[0288] Pre-acquire the target merchant's merchant identity information and the target merchant's contracted bank information;

[0289] Based on the different commercial bank information associated and integrated by the SIM card operator, a bank payment path is established between the different commercial bank information and the contracted bank information;

[0290] According to the bank payment path, a SIM card operator database is established.

[0291] In one embodiment, the merchant SIM card is further used for:

[0292] Send a request interface to merchants with different cloud SIM services;

[0293] Receive the target cloud SIM service fed back by the merchant on the request interface; the target cloud SIM service includes transaction fund flow analysis, transaction-related commercial bank analysis, and transaction customer analysis;

[0294] Sending an instruction to the SIM card operator unit to provide the target cloud SIM service to the merchant; the SIM card operator unit is also used to obtain the historical operation data of the SIM card operator unit according to the instruction of the target cloud SIM service, generate feedback information corresponding to the target cloud SIM service and send it to the merchant SIM card;

[0295] Receive and display the feedback information fed back by the SIM card operator unit.

[0296] An embodiment of the present invention provides an embodiment of a computer device for implementing all or part of the content of the above-mentioned transaction payment method based on 5G messages. The computer device specifically includes the following content:

[0297] Processor, memory, communication interface and bus; wherein the processor, memory and communication interface communicate with each other through the bus; the communication interface is used to realize information transmission between related devices; the computer device can be a desktop computer, a tablet computer and a mobile terminal, etc., but the present embodiment is not limited thereto. In this embodiment, the computer device can be implemented with reference to the embodiment for realizing the transaction payment method based on 5G message and the embodiment for realizing the transaction payment device based on 5G message, and the contents thereof are incorporated herein, and the repeated parts are not repeated.

[0298] Figure 5 1 is a schematic block diagram of the system structure of the computer device 1000 according to an embodiment of the present application. Figure 5 As shown, the computer device 1000 may include a central processor 1001 and a memory 1002; the memory 1002 is coupled to the central processor 1001. It is worth noting that Figure 5 is exemplary; other types of structures may also be used to supplement or replace this structure to implement telecommunication functions or other functions.

[0299] In one embodiment, the transaction payment function based on 5G messages can be integrated into the central processor 1001.

[0300] The central processing unit 1001 may be configured to perform the following control:

[0301] Detecting the target merchant transaction information of the target merchant on the SIM card terminal transmitted by the preset merchant SIM card; the target merchant transaction information carries the payment bank identifier, acceptance bank identifier, transaction message information and merchant identity information of the target merchant transaction;

[0302] The target merchant transaction information is sent to the SIM card operator unit via the merchant SIM card; the merchant SIM card is used to send the merchant transaction information to the SIM card operator unit based on the 5G message technology; the SIM card operator unit is used to: perform identity authentication operation on the merchant SIM card according to the merchant identity information carried in the target merchant transaction information; after the identity authentication operation is successful, obtain the contract bank information associated with the merchant SIM card from the SIM card operator database; based on the contract bank information, send a merchant transaction request corresponding to the target merchant transaction information to the target commercial bank corresponding to the acceptance bank identifier; the SIM card operator database includes contract bank information corresponding to the merchant identity information one by one; the contract bank information is used to describe the payment bank information and acceptance bank information corresponding to the merchant identity information; the target commercial bank is used to combine the payment bank identifier, acceptance bank identifier and transaction message information carried in the target merchant transaction information to perform account processing from the payment bank to the acceptance bank on the merchant transaction request to obtain the merchant transaction request processing result;

[0303] Receiving the merchant transaction request processing result fed back by the target commercial bank;

[0304] Feedback the target merchant with the result of processing the merchant transaction request.

[0305] In another embodiment, the transaction payment device based on 5G messages can be configured separately from the central processor 1001. For example, the transaction payment device based on 5G messages can be configured as a chip connected to the central processor 1001, and the transaction payment function based on 5G messages can be realized through the control of the central processor.

[0306] like Figure 5 As shown, the computer device 1000 may also include: a communication module 1003, an input unit 1004, an audio processor 1005, a display 1006, and a power supply 1007. It is worth noting that the computer device 1000 does not necessarily have to include Figure 5 In addition, the computer device 1000 may also include Figure 5 For components not shown, reference may be made to the prior art.

[0307] like Figure 5 As shown, the central processor 1001 is sometimes also referred to as a controller or an operation control, and may include a microprocessor or other processor devices and / or logic devices. The central processor 1001 receives inputs and controls the operations of various components of the computer device 1000 .

[0308] The memory 1002 may be, for example, a cache, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory or other suitable devices, or one or more thereof. The above-mentioned information related to the failure may be stored, and a program for executing the related information may also be stored. The central processing unit 1001 may execute the program stored in the memory 1002 to implement information storage or processing, etc.

[0309] The input unit 1004 provides input to the CPU 1001. The input unit 1004 is, for example, a key or a touch input device. The power supply 1007 is used to provide power to the computer device 1000. The display 1006 is used to display display objects such as images and text. The display may be, for example, an LCD display, but is not limited thereto.

[0310] The memory 1002 may be a solid-state memory, such as a read-only memory (ROM), a random access memory (RAM), a SIM card, etc. It may also be a memory that saves information even when the power is off, can be selectively erased, and is provided with more data, examples of which are sometimes referred to as EPROMs, etc. The memory 1002 may also be some other type of device. The memory 1002 includes a buffer memory 1021 (sometimes referred to as a buffer). The memory 1002 may include an application / function storage unit 1022, which is used to store application programs and function programs or processes for executing the operation of the computer device 1000 through the central processor 1001.

[0311] The memory 1002 may also include a data storage unit 1023 for storing data, such as contacts, digital data, pictures, sounds, and / or any other data used by the computer device. The driver storage unit 1024 of the memory 1002 may include various drivers for the computer device for communication functions and / or for executing other functions of the computer device (such as messaging applications, address book applications, etc.).

[0312] The communication module 1003 is a transmitter / receiver 1003 that sends and receives signals via the antenna 1008. The communication module (transmitter / receiver) 1003 is coupled to the central processor 1001 to provide input signals and receive output signals, which may be the same as the case of a conventional mobile communication terminal.

[0313] Based on different communication technologies, multiple communication modules 1003 may be provided in the same computer device, such as a cellular network module, a Bluetooth module and / or a wireless local area network module, etc. The communication module (transmitter / receiver) 1003 is also coupled to a speaker 1009 and a microphone 1010 via an audio processor 1005 to provide an audio output via the speaker 1009 and receive an audio input from the microphone 1010, thereby realizing a common telecommunication function. The audio processor 1005 may include any suitable buffer, decoder, amplifier, etc. In addition, the audio processor 1005 is also coupled to the central processor 1001, so that recording can be performed on the local machine through the microphone 1010, and the sound stored on the local machine can be played through the speaker 1009.

[0314] An embodiment of the present invention also provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it implements the above-mentioned transaction payment method based on 5G messages.

[0315] An embodiment of the present invention also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements the above-mentioned transaction payment method based on 5G messages.

[0316] In an embodiment of the present invention, a transaction detection unit is used to detect target merchant transaction information of a target merchant on a SIM card terminal transmitted by a preset merchant SIM card; the target merchant transaction information carries a payment bank identifier, an acceptance bank identifier, transaction message information and merchant identity information of the target merchant transaction; the target merchant transaction information is sent to a SIM card operator unit via the merchant SIM card; the merchant SIM card is used to send the merchant transaction information to the SIM card operator unit based on the 5G message technology; the SIM card operator unit is used to detect the merchant SIM card according to the merchant identity information carried by the target merchant transaction information Perform an identity authentication operation; after the identity authentication operation is successful, obtain the contract bank information associated with the merchant SIM card from the SIM card operator database; based on the contract bank information, send a merchant transaction request corresponding to the target merchant transaction information to the commercial bank corresponding to the acceptance bank identifier; the SIM card operator database includes contract bank information corresponding to the merchant identity information one by one; the contract bank information is used to describe the payment bank information and acceptance bank information corresponding to the merchant identity information; a transaction processing unit is used to combine the payment bank identifier, acceptance bank identifier and transaction message carried by the target merchant transaction information The merchant's transaction request is processed by the payment bank to the acceptance bank to obtain the merchant's transaction request processing result; the merchant's transaction request processing result is fed back to the target merchant. Compared with the technical solution in the prior art that requires merchants to open files and accounts with different commercial banks respectively, the merchant's SIM card and SIM card operator unit are set to detect and forward the target merchant's transaction information, and the SIM card operator unit initiates a transaction request to the bank to realize the account processing from the payment bank to the acceptance bank, so that the merchant can only complete the transaction payment operation with different commercial banks through the merchant SIM card, and no longer needs to go through different commercial banks. The bank's file creation and account opening enables the SIM card based on 5G messaging technology to package the payment authentication capabilities of various commercial banks into a unified payment interface for external output, so that commercial banks can export payment services only as a payment authenticator, solving the problem of merchants having to create files and connect and develop multiple times to access payment methods of multiple commercial banks. It unbinds the payment, acquiring and clearing businesses of commercial banks, simplifies the payment authentication process, and enables merchants to quickly connect and process transactions with payment methods of various commercial banks, thereby improving the transaction payment efficiency of merchants with different commercial banks, reducing the bank access costs for merchants to make transaction payments, and improving the merchant's transaction payment experience.

[0317] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0318] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0319] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0320] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0321] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A transaction payment system based on 5G messages, characterized in that: include: A transaction detection unit, used to detect target merchant transaction information of a target merchant on a SIM card terminal transmitted by a preset merchant SIM card; The target merchant transaction information carries the payment bank identifier, acceptance bank identifier, transaction message information and merchant identity information of the target merchant transaction; the target merchant transaction information is sent to the SIM card operator unit via the merchant SIM card; the merchant SIM card is used to send the merchant transaction information to the SIM card operator unit based on 5G message technology; The SIM card operator unit is used to perform an identity authentication operation on the merchant SIM card according to the merchant identity information carried in the target merchant transaction information; after the identity authentication operation is successful, obtain the contract bank information associated with the merchant SIM card from the SIM card operator database; Based on the contracted bank information, sending a merchant transaction request corresponding to the target merchant transaction information to the commercial bank corresponding to the acceptance bank identifier; the SIM card operator database includes contracted bank information corresponding to the merchant identity information one by one; The contracted bank information is used to describe the payment bank information and acceptance bank information corresponding to the merchant identity information; The transaction processing unit is used to combine the payment bank identifier, acceptance bank identifier and transaction message information carried in the target merchant transaction information, perform account processing from the payment bank to the acceptance bank on the merchant transaction request, obtain the merchant transaction request processing result; and feedback the merchant transaction request processing result to the target merchant.

2. The system according to claim 1, characterized in that The transaction detection unit comprises: A transaction information receiving module, used to receive target merchant transaction information from a merchant SIM card; The transaction information preprocessing module is used to preprocess the received transaction information and extract the payment bank identifier, acceptance bank identifier, transaction message information and merchant identity information of the target merchant transaction; The transaction information detection module is used to determine the legitimacy and accuracy of the target merchant's transaction information according to the preset transaction detection rules; The transaction information sending module is used to send the target merchant transaction information to the SIM card operator unit via the merchant SIM card after determining that the legitimacy and accuracy of the target merchant transaction information have passed the test.

3. The system according to claim 2, characterized in that The transaction information sending module is specifically used for: After confirming that the legitimacy and accuracy of the target merchant's transaction information have passed the test, obtain the preset merchant SIM card key; The target merchant transaction information and the merchant SIM card encryption key are sent to the SIM card operator unit via the merchant SIM card.

4. The system according to claim 3, characterized in that SIM card operator unit, specifically used for: Obtaining a decryption key associated with the merchant SIM card encryption key from a SIM card operator database; Decrypting the received transaction information of the target merchant using the decryption key; According to the merchant identity information carried in the decrypted target merchant transaction information, an identity authentication operation is performed on the merchant SIM card.

5. The system according to claim 1, wherein: SIM card operator unit, also used for: Pre-acquire the target merchant's merchant identity information and the target merchant's contracted bank information; Based on the different commercial bank information that has been associated and integrated by the SIM card operator, a bank payment path is established between the different commercial bank information and the contracted bank information; A SIM card operator database is established based on the bank payment path.

6. The system according to claim 1, wherein: Merchant SIM cards are also used for: Send a request interface to merchants with different cloud SIM services; Receive the target cloud SIM service fed back by the merchant on the request interface; the target cloud SIM service includes transaction fund flow analysis, transaction-related commercial bank analysis, and transaction customer analysis; Sending an instruction to the SIM card operator unit to provide the target cloud SIM service to the merchant; the SIM card operator unit is also used to obtain the historical operation data of the SIM card operator unit according to the instruction of the target cloud SIM service, generate feedback information corresponding to the target cloud SIM service and send it to the merchant SIM card; Receive and display the feedback information fed back by the SIM card operator unit.

7. A transaction payment method based on 5G messages, characterized in that: include: Detecting the target merchant transaction information of the target merchant on the SIM card terminal transmitted by the preset merchant SIM card; the target merchant transaction information carries the payment bank identifier, acceptance bank identifier, transaction message information and merchant identity information of the target merchant transaction; The target merchant transaction information is sent to the SIM card operator unit via the merchant SIM card; the merchant SIM card is used to send the merchant transaction information to the SIM card operator unit based on the 5G message technology; the SIM card operator unit is used to: perform identity authentication operation on the merchant SIM card according to the merchant identity information carried in the target merchant transaction information; after the identity authentication operation is successful, obtain the contracted bank information associated with the merchant SIM card from the SIM card operator database; Based on the contracted bank information, sending a merchant transaction request corresponding to the target merchant transaction information to the target commercial bank corresponding to the acceptance bank identifier; the SIM card operator database includes contracted bank information corresponding to the merchant identity information one by one; The contracted bank information is used to describe the payment bank information and acceptance bank information corresponding to the merchant identity information; The target commercial bank is used to combine the payment bank identifier, acceptance bank identifier and transaction message information carried in the target merchant transaction information to perform account processing from the payment bank to the acceptance bank on the merchant transaction request, and obtain a merchant transaction request processing result; Receiving the merchant transaction request processing result fed back by the target commercial bank; Feedback the target merchant with the result of processing the merchant transaction request.

8. The method according to claim 7, characterized in that Detecting target merchant transaction information on the SIM card terminal transmitted by the preset merchant SIM card; The target merchant transaction information is sent to the SIM card operator unit via the merchant SIM card, including: Receiving target merchant transaction information from the merchant SIM card; Pre-process the received transaction information to extract the payment bank ID, acceptance bank ID, transaction message information and merchant identity information of the target merchant transaction; Determine the legitimacy and accuracy of the target merchant's transaction information based on the preset transaction detection rules; After determining that the legality and accuracy of the target merchant transaction information have passed the test, the target merchant transaction information is sent to the SIM card operator unit via the merchant SIM card.

9. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method according to any one of claims 7 to 8 is implemented.

10. 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 7 to 8 is implemented.

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