Transaction payment system and method based on 5G messages

Abstract

The present invention discloses a transaction payment system and method based on 5G messaging. The system includes: a transaction detection unit for detecting target merchant transaction information of a target merchant on a SIM card terminal transmitted by a pre-set merchant SIM card; the merchant SIM card is used to send the merchant transaction information to a SIM card operator unit based on 5G messaging technology; the SIM card operator unit is used to obtain the contracted bank information associated with the merchant SIM card after successfully performing an identity authentication operation on the merchant SIM card; a merchant transaction request corresponding to the target merchant transaction information is sent to the commercial bank corresponding to the acceptance bank identifier; a transaction processing unit is used to perform account processing from the payment bank to the acceptance bank, and feedback the merchant transaction request processing result to the target merchant. The present invention is used to improve the transaction payment efficiency of merchants at different commercial banks, reduce the bank access cost for merchants to make transaction payments, and improve the merchant's transaction payment experience.

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 that are recited in the claims. No statement herein is admitted to be prior art by virtue of its inclusion in this section.

[0003] Currently, 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 accounts in each bank and connect to and develop payment interfaces for each bank. The access cost is very high.

[0004] The previous payment authentication service process primarily involved four parties: acquiring institutions, authentication institutions, card issuers, and clearing institutions (online payment clearing platforms). Acquiring institutions are clearing members that sign agreements with merchants or provide services to cardholders, directly or indirectly participating in transactions based on transaction documents. They are primarily responsible for activities such as developing and managing authorized merchants, requesting authorization, and settling bills. Authentication institutions verify merchant identity information during the payment process, complete payment authentication, and process merchant debits. Card issuers are commercial banks that issue various bank cards to cardholders. They are responsible for account management and serve as the initiators and organizers of the bank card market. Clearing institutions (online payment clearing platforms) primarily handle transaction transfers and fund clearing operations related to payment institutions and banks.

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

[0006] 1. High merchant access costs: If merchants want to access payment methods from multiple banks, they need to open accounts with each bank and develop payment interfaces for each bank. This significantly increases access costs and hinders merchant business expansion.

[0007] 2. Complex payment authentication process: The existing payment authentication service process involves four parties: the acquiring institution, the authentication institution, the card issuer, and the clearing institution (online payment clearing platform). This process requires close collaboration between all links. If a problem occurs in any link, the entire payment authentication process may be hindered. Summary of the Invention

[0008] An embodiment of the present invention provides a 5G messaging-based transaction payment system to improve merchants' transaction payment efficiency with different commercial banks, reduce bank access costs for merchants making transaction payments, and improve merchants' transaction payment experience. The system includes:

[0009] A transaction detection unit is configured to detect target merchant transaction information of a target merchant on a SIM card terminal transmitted via a 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; and transmit the target merchant transaction information to a SIM card operator unit via the merchant SIM card; the merchant SIM card is configured to transmit the merchant transaction information to the SIM card operator unit based on 5G messaging technology;

[0010] The SIM card operator unit is configured to perform an identity authentication operation on the merchant SIM card based on 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, 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 contracted bank information that corresponds one-to-one with the merchant identity information; the contracted 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 by the target merchant transaction information to 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] An embodiment of the present invention further provides a transaction payment method based on 5G messaging to improve the transaction payment efficiency of merchants at different commercial banks, reduce the bank access costs for merchants to make transaction payments, and improve the merchant's transaction payment experience. The method includes:

[0013] Detecting 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;

[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 contracted bank information associated with the merchant SIM card from the SIM card operator database; based on the contracted 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 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 on the merchant transaction request from the payment bank to the acceptance bank, and obtain a merchant transaction request processing result;

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

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

[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 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 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 in the target merchant transaction information. Perform an identity authentication operation; 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, 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 contracted bank information corresponding to the merchant identity information; 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 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 open different commercial banks. The bank's file creation and account opening enables the SIM card based on 5G message 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 payment authentication parties, solving the problem of merchants having to create files and connect and develop multiple times to access payment methods of multiple commercial banks. It unties the payment, acquiring and clearing businesses of commercial banks, simplifies the payment authentication process, and realizes rapid connection and transaction processing between merchants and payment methods of various commercial banks, improves the transaction payment efficiency of merchants with different commercial banks, reduces the bank access costs for merchants to make transaction payments, and improves 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 the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, 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 5G message-based transaction payment system in an embodiment of the present invention;

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

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

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

[0026] Figure 5 Schematic diagram of a computer device used for 5G message-based transaction payment in an embodiment of the present invention. DETAILED DESCRIPTION

[0027] To make the purpose, technical solutions and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below with reference to 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 simply describes an association relationship, indicating that three relationships can exist. For example, A and / or B can represent the existence of A alone, the simultaneous existence of A and B, and the existence of B alone. In addition, the term "at least one" herein refers to any combination of at least two of any one or more of a plurality of items. For example, "at least one of A, B, and C" can represent 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 expressions of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures or characteristics described can 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 therein is not limited and can be appropriately adjusted as needed.

[0030] The acquisition, storage, use, and processing of data in this application's technical solution comply with relevant 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 accounts in each bank and connect to and develop payment interfaces for each bank. The access cost 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 based on 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 payment solutions for merchants to conduct transactions with different commercial banks have the following problems:

[0035] 1. High merchant access costs: 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 costs, which is not conducive to merchants expanding their business.

[0036] 2. Complex payment authentication process: The existing payment authentication service process involves four parties: the acquiring institution, the authentication institution, the card issuer, and the clearing institution (online payment clearing platform). This process requires close collaboration between all links. If a problem occurs in any link, the entire payment authentication process may be hindered.

[0037] 3. Data security issues: The payment process involves sensitive customer identity information and financial data. 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, inter-bank clearing difficulties may arise due to the different systems of each bank, 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 a major 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 costs for merchants to make transaction payments, and improve the transaction payment experience of merchants. Figure 1 , the system may include:

[0041] The transaction detection unit 101 is configured to detect target merchant transaction information of a target merchant on a SIM card terminal transmitted via a 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; and transmit the target merchant transaction information to a SIM card operator unit via the merchant SIM card; the merchant SIM card is configured to transmit the merchant transaction information to the SIM card operator unit based on 5G messaging technology.

[0042] The SIM card operator unit 102 is configured to perform an identity authentication operation on the merchant SIM card based on 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, 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 contracted bank information that corresponds one-to-one with the merchant identity information; the contracted 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 by the target merchant transaction information to 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.

[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 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 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 in the target merchant transaction information. Perform an identity authentication operation; 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, 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 contracted bank information corresponding to the merchant identity information; 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 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 open different commercial banks. The bank's file creation and account opening enables the SIM card based on 5G message 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 payment authentication parties, solving the problem of merchants having to create files and connect and develop multiple times to access payment methods of multiple commercial banks. It unties the payment, acquiring and clearing businesses of commercial banks, simplifies the payment authentication process, and realizes rapid connection and transaction processing between merchants and payment methods of various commercial banks, improves the transaction payment efficiency of merchants with different commercial banks, reduces the bank access costs for merchants to make transaction payments, and improves the merchant's transaction payment experience.

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

[0046] 1. One-stop access to multiple banks' payment methods is achieved through merchant SIM cards, reducing merchant access costs. Merchants only need to sign up with the 5G message transaction payment system to support payment methods of multiple banks, eliminating the need to develop separate payment interfaces for each bank, significantly reducing access costs.

[0047] 2. Simplify the payment authentication process. 5G messaging technology simplifies the payment authentication process to three parties: the merchant, the authentication agency, and the card issuer. Eliminating the clearing agency makes the payment authentication process more efficient and reduces the possibility of errors.

[0048] 3. Improved data security. 5G messaging technology offers high security, ensuring the safety of sensitive customer identity information and financial data during transmission. Furthermore, identity authentication through merchant SIM cards further enhances data security.

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

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

[0051] The transaction payment system based on 5G messaging 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 accounts and developing payment interfaces at 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: Leverage the advantages 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 processes, ensuring data security, improving payment efficiency and facilitating supervision, and are helpful in promoting the development of the payment industry.

[0058] Furthermore, embodiments of the present invention also involve a user terminal, which can be a mobile phone, tablet computer, or other smart device associated with a merchant's SIM card. The user terminal is used to display the merchant's transaction request processing results and provide an interactive interface that allows merchants to view and operate related transactions. This allows merchants to monitor transaction status anytime, anywhere, improving transaction convenience.

[0059] Furthermore, embodiments of the present invention include a security authentication unit for securely authenticating the merchant's SIM card and the user terminal. This security authentication unit can utilize cryptographic techniques, such as digital signatures and encryption algorithms, to ensure the security of transaction information during transmission. By incorporating this security authentication unit, the present invention effectively prevents unauthorized attacks and data leaks, safeguarding the interests of merchants and users.

[0060] In addition, embodiments 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 information such as merchant transaction habits and preferences to provide merchants with more personalized financial services. Furthermore, the data processing unit can also collect statistics and analyze transaction data, providing 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 this embodiment, the transaction detection unit monitors the target merchant's transaction information transmitted by the merchant's SIM card in real time. Once a transaction meeting preset conditions is detected, it triggers the subsequent processing flow. The target merchant transaction information includes the payment bank identifier, the acceptance bank identifier, the transaction message information, and the merchant's identity information. This information is crucial for subsequent transaction processing and data analysis.

[0063] After receiving transaction information from a target merchant, the SIM card operator unit processes and analyzes it. First, based on the paying bank ID and the accepting bank ID, the SIM card operator unit determines the bank information of both parties to the transaction, thereby ensuring the security and accuracy of the transaction. Next, by analyzing the transaction message, the SIM card operator unit obtains detailed transaction information, such as the transaction amount and time, to facilitate subsequent data statistics and analysis. Finally, the merchant identity information helps the SIM card operator unit authenticate the merchant, ensuring its legitimacy and authenticity.

[0064] After processing the transaction information, the merchant SIM card sends it to the SIM card operator's unit. 5G messaging technology is used here to achieve high-speed and stable information transmission. This technology not only increases the speed of transaction information transmission but also ensures its security and accuracy.

[0065] After receiving merchant transaction information, the SIM card operator unit processes it accordingly. First, it verifies the identity of the merchant's SIM card to ensure the information is legitimate. Next, it stores and backs up the transaction information to prevent loss. Finally, the SIM card operator unit uploads the transaction information to the cloud for subsequent data analysis and processing.

[0066] In summary, the solution provided by this embodiment enables real-time monitoring, processing, and analysis of merchant transaction information, thereby ensuring transaction security, accuracy, and efficiency. Furthermore, the use of 5G messaging technology for information transmission further improves the speed and stability of information transmission, providing merchants with a better service experience. Based on this, the solution can be adjusted and optimized based on actual needs to meet the application requirements of 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 target merchant transaction information from the merchant SIM card;

[0069] The transaction information pre-processing module 202 is used to pre-process 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 configured 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 pre-processing 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 target merchant transaction information from the merchant's SIM card. This information may include the payment bank ID, the acceptance bank ID, the transaction message, and the merchant's identity information. Next, the transaction information preprocessing module pre-processes this received transaction information, extracting key information for subsequent detection.

[0074] The transaction information detection module operates according to pre-set transaction detection rules. It verifies the legitimacy and accuracy of pre-processed transaction information. If the transaction information complies with regulations, the transaction information transmission module takes effect. It transmits the confirmed legitimacy and accuracy of the target merchant's transaction information via the merchant's SIM card to the SIM card operator unit.

[0075] In the above example, 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 configured to:

[0077] After confirming that the target merchant's transaction information is legitimate and accurate, obtain the pre-set 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. Ensure that the card is in an activated state before sending transaction information.

[0081] 2. Encrypt the target merchant's transaction information using a 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: This module conducts risk assessments on transactions based on factors such as merchant transaction behavior, transaction amount, and transaction time to identify potential financial risk events.

[0087] 2. Abnormal transaction detection module: Analyzes risk assessment results and triggers an alarm mechanism when abnormal transactions are detected, alerting 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 actual applications, these modules can be appropriately adjusted and optimized according to business needs and security requirements.

[0090] Furthermore, the transaction detection unit can be connected to other systems, such as payment systems, financial systems, and customer relationship management systems, to enable real-time sharing of transaction information and data analysis. This approach not only improves transaction processing efficiency but also provides merchants with more personalized financial services, promoting 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 target merchant's transaction information is legitimate and accurate, 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 transaction detection unit is designed to ensure the security and accuracy of merchant transactions. Through pre-set transaction detection rules and encryption technology, illegal transactions can be effectively prevented, protecting the rights and interests of merchants and consumers. This design also improves transaction processing efficiency and reduces transaction risks. Based on this, the transaction detection unit can be optimized and adjusted according to actual needs to meet ever-changing business requirements.

[0098] In one embodiment, the SIM card operator unit is specifically configured 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 encrypted transaction information from the merchant's SIM card. This information 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 to obtain the decryption key associated with the merchant SIM card encryption key;

[0106] After receiving the decryption key, use the decryption key to decrypt the received target merchant transaction information;

[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 this implementation, the merchant's SIM card encryption and decryption keys are used to encrypt and decrypt transaction information, respectively, ensuring the security of the transaction information. Furthermore, by pre-processing and authenticating the received transaction information, it effectively prevents unauthorized merchants or malicious activity from impacting transactions, improving transaction security and reliability.

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

[0112] Extract the merchant's geographic location information from the decrypted target merchant transaction information, and provide the merchant with nearby services or discount 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, 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. Furthermore, the merchant identity authentication process and method may be adjusted based on actual circumstances.

[0117] During specific implementation, the SIM card operator unit is configured to perform an identity authentication operation on the merchant SIM card based on 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, 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 contracted bank information that corresponds one-to-one with the merchant identity information; the contracted bank information is used to describe the payment bank information and acceptance bank information corresponding to the merchant identity information.

[0118] In this embodiment, the SIM card operator unit can carry the merchant identity information and perform identity authentication on the merchant's SIM card. After successful authentication, the SIM card operator unit retrieves the contracted bank information associated with the merchant's SIM card from the SIM card operator database. Based on this contracted bank information, the SIM card operator unit sends a merchant transaction request corresponding to the target merchant's transaction information to the commercial bank corresponding to the acceptance bank identifier.

[0119] Furthermore, the SIM card operator database includes contracted bank information that corresponds to merchant identity information. This contracted bank information is used to describe the payment bank and acceptance bank information corresponding to the merchant identity information. This allows the SIM card operator unit to quickly match the corresponding bank information based on the merchant's identity information when a merchant needs to conduct a transaction, thereby expediting the merchant's transaction request.

[0120] In this embodiment, to ensure the security and reliability of merchant transactions, the SIM card operator unit has implemented a series of security measures. For example, when authenticating merchant SIM cards, technical means such as password authentication and fingerprint recognition can be used to ensure that only legitimate merchants can use the system. Furthermore, merchant transaction requests can be encrypted to prevent unauthorized tampering of transaction information during transmission.

[0121] Once the merchant's transaction request is received by the commercial bank, it will conduct internal processing based on the contracted bank's information, including verifying the merchant's identity and the transaction amount. After confirming the transaction is legitimate, the commercial bank will notify the merchant of the successful transaction. Merchants can also query the transaction status through the system for real-time information on transaction progress.

[0122] In summary, the merchant transaction processing method provided in this embodiment enables efficient management and secure processing of merchant transactions. Merchants only need to carry a single SIM card to integrate multiple payment methods, improving the convenience of merchant transactions. Simultaneously, merchant identity authentication via the SIM card operator unit ensures the security of merchant transactions. Furthermore, this embodiment provides a reliable method for connecting with commercial banks, further enhancing 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 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;

[0126] A SIM card operator database is established based on the bank payment path.

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

[0128] 1. After receiving the merchant's identity verification request, the SIM card operator unit can compare the merchant's identity information 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 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 then associates and stores the merchant ID with the merchant's identity information. This allows the merchant ID to be used to trace the merchant's identity information even during subsequent transactions, 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 during subsequent transactions, thereby simplifying the transaction process and improving transaction efficiency.

[0132] 5. To ensure the uniqueness and stability of the merchant ID, the SIM card operator unit is also required to manage and maintain the merchant ID. For example, if a merchant changes banks or changes their identity information, the SIM card operator unit should promptly update the relevant information to ensure the merchant ID is consistent with the merchant's identity information and contracted bank information.

[0133] 6. Throughout the entire 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. SIM card operator units should also have a good user interface so that merchants and managers can easily use and manage relevant information. They should also provide comprehensive after-sales service to address any issues that may arise during transactions.

[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, and contracted bank information association. This not only helps to ensure transaction security and reliability, 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 a merchant transaction request, including the merchant ID and transaction amount;

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

[0139] 3. Based on the contracted bank information, the transaction request is sent to the accepting bank;

[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. upon 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 must 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 this solution, SIM card operators can not only better complete various operations during transactions, but also improve transaction security, convenience, and personalized service levels. This will help promote the healthy development of the mobile payment industry and provide merchants and consumers with a better payment experience.

[0149] In summary, the present invention utilizes the SIM card operator unit to implement functions such as merchant identity authentication, bank payment routing, and transaction processing, thereby improving the security and convenience of merchant transactions. Furthermore, the present invention provides merchants with personalized preferential services, helping to improve merchant loyalty and satisfaction. The various components and functions in the embodiments can be adjusted and optimized based on actual circumstances to meet different scenarios and needs.

[0150] In a specific application scenario, such as a shopping mall, there are numerous merchants, each with a different contracted bank. In this case, the SIM card operator unit can pre-acquire each merchant's merchant identity information and contracted bank information. Then, based on the SIM card operator's associated and integrated commercial bank information, a corresponding bank payment path is established for each merchant. These payment paths are stored in the SIM card operator's database.

[0151] When a merchant initiates a transaction, the SIM card operator unit authenticates the merchant's SIM card based on the merchant's identity information in the transaction information. After successful authentication, the SIM card operator unit retrieves the contracted bank information associated with the merchant's SIM card from a database. Based on this contracted bank information, the unit then sends a merchant transaction request to the commercial bank corresponding to the processing bank ID.

[0152] The advantage of this approach is that merchants don't need to worry about payment issues during transactions, and SIM card operators can effectively manage their payment information. Merchant transaction requests undergo identity authentication and security verification, ensuring transaction security and accuracy. Furthermore, SIM card operators can monitor and analyze merchant transactions in real time based on merchant transaction information and bank payment routing, providing merchants with more convenient and efficient financial services.

[0153] In summary, by pre-acquiring merchant identity information and contracted bank information, establishing a bank payment path, and performing identity authentication and merchant transaction request transmission based on transaction information, a secure, efficient, and convenient merchant transaction solution can be implemented. This solution not only improves merchant transaction efficiency but also creates more business opportunities for 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, obtain the merchant transaction request processing result; and feedback the merchant transaction request processing result to the target merchant.

[0155] In this 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 process, the transaction processing unit processes merchant transaction requests based on the payment bank ID, acceptance bank ID, and transaction message information contained in the merchant's transaction information. During this process, the transaction processing unit performs accounting processing for the transaction request according to pre-defined rules and procedures. This process includes clearing the transaction amount, calculating the transaction fee, and updating the transaction status.

[0157] After completing the account processing, the transaction processing unit will provide feedback to the target merchant regarding the merchant's transaction request. This feedback can be provided via SMS, email, or other communication methods. The feedback information will include information such as whether the transaction was successful, the transaction amount, and the transaction fee. Furthermore, the transaction processing unit will also update the merchant's transaction record with the processing results, allowing the merchant to check the transaction status at any time.

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

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

[0160] Receive target cloud SIM services fed back by the merchant on the request interface; the target cloud SIM services include transaction fund flow analysis, transaction-involved 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 further configured to obtain 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 funds flow, the commercial banks involved, the transaction customers, and other information based on 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. Real-time monitoring of merchants' transactions and providing transaction data analysis;

[0172] 2. Provide personalized financial service recommendations based on merchants' transaction records;

[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 warnings 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 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 product 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-mentioned merchant SIM card is given:

[0181] 1. Hardware Design: The merchant SIM card utilizes a high-performance processor, ensuring stable operation and efficient processing speed even in high-concurrency transaction scenarios. The card also features large-capacity storage for merchant transaction data and personalized service information.

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

[0183] a. Communication module: responsible for data interaction with the cloud server to connect merchants with the cloud SIM service.

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

[0185] c. Financial service recommendation module: Provides 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 utilize encryption algorithms to ensure the security of transaction data during transmission and storage. They also feature anti-tampering and anti-theft features to safeguard merchant 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 use the card to view transaction records and set transaction reminders.

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

[0190] Through this design, the merchant SIM card provides merchants with comprehensive financial services and support, effectively improving their operational efficiency and security. In the future, as merchant SIM card technology continues to develop and improve, it will play an increasingly important role in merchants' daily operations, helping them achieve rapid business growth.

[0191] The above examples demonstrate the high practicality and convenience of merchant SIM cards in merchant transaction processing and cloud SIM service provision. They not only improve merchant transaction efficiency and reduce transaction costs, but also help merchants better manage their business and analyze the market, thereby enhancing their core competitiveness. Given 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 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, where the merchant can select and provide feedback on the target cloud SIM service.

[0193] In this example, the merchant selected three services: transaction fund flow analysis, transaction-involved commercial bank analysis, and transaction customer analysis. The merchant's SIM card then transmits this information to the SIM card operator unit, which then retrieves historical operational data and generates corresponding feedback.

[0194] The SIM card operator unit then sends the generated feedback information back to the merchant SIM card, which then receives and displays this information to the merchant. This allows the merchant to 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 feedback the processing results to the merchant after processing. In this way, the merchant can understand the transaction status in a timely manner, which facilitates 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 the cloud SIM service that suits them and improve their business processing efficiency.

[0197] In this process, the collaborative work between the payment bank, the accepting 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 merchants to use the cloud SIM service more conveniently and improve transaction processing efficiency.

[0198] The following is a specific example to illustrate the specific application of the system of the present invention. This example proposes to untie commercial banks' payment, acquiring, and clearing functions, supporting commercial banks to export payment services only as payment authenticators. The example also packages the payment authentication capabilities of various commercial banks into a unified payment interface for external output through a 5G SIM integrated card. Combined with 5G messaging technology, this solves the problem of merchants having to create files and conduct docking development multiple times when accessing payment methods from 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 and certification 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. Unbundling commercial banks' payment, acquiring, and clearing businesses: Through technical means, commercial banks' payment, acquiring, and clearing businesses are unbundled, allowing them to focus on their role as 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, facilitating merchant access and management.

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

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

[0206] 5. Linking the acquiring account with the 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 makes a payment at an acquiring merchant, the payment information is sent to the operator via the SIM card for authentication. After the operator completes the transaction authentication, it sends a business processing request to the affiliated bank, which processes the request and performs the accounting.

[0208] 7. Record transaction logs and return transaction results: The bank records transaction logs and returns transaction result information to the operator, completing a closed-loop payment service.

[0209] This invention innovatively unifies commercial bank payment, acquiring, and clearing services. Leveraging 5G technology and a central database to integrate information from multiple commercial banks, it provides a unified payment interface, solving the challenge of merchants accessing payment methods from multiple commercial banks. Furthermore, through operator authentication and business processing, it ensures payment security and improves payment efficiency.

[0210] Let me give you a specific example:

[0211] Suppose a merchant named "A" wants to access the payment services of multiple commercial banks. According to traditional practices, 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 this invention, the steps are as follows:

[0212] 1. Merchant A signs a contract with the operator and links its acquiring account with its bank account.

[0213] 2. The operator provides Merchant A with a 5G SIM 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 via the SIM card to the operator for authentication.

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

[0216] 5. The bank processes the business request and performs accounting processing, while also 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] By following these steps, Merchant A can easily access the payment services of multiple commercial banks, significantly reducing operating costs and workload. Furthermore, by unbundling payment and clearing services, 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 payments, 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, this invention innovatively unifies commercial bank payment, acquiring, and clearing services, leveraging 5G technology and a central database to integrate information from multiple commercial banks, providing a unified payment interface and resolving the challenge of merchants accessing payment methods from multiple commercial banks. Furthermore, through operator authentication and business processing, payment security is guaranteed and 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 aforementioned transaction detection units), operators (providing online payment clearing platforms, i.e. the aforementioned SIM card operator units), and banking institutions (i.e. the aforementioned transaction processing units).

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

[0228] 1. The acquirer first obtains the message request and sends 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 receiving institution 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 fields (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 financial institution code of the platform) of the sender;

[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 device information, order information, etc.);

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

[0241] 3. Banking institutions can process the forwarded messages received; after processing, they can return the messages. 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 financial institution code of the platform) of the sender;

[0248] 2. Message direction identifier OrientID4 (platform-to-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 based on specific application scenarios:

[0253] First, when a user makes a purchase at a merchant, the merchant sends a message request to the acquiring institution, which contains the user's account information, order information, etc. After receiving the request, the acquiring institution sends the message request to the operator.

[0254] Second, after receiving the request, the operator will forward it to the bank based on the information in the request. The bank will decrypt the sensitive information and process the transaction. Once the processing is complete, the bank will send the 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 submit the transaction results to the merchant based on the results.

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

[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] The 5G messaging payment system plays a vital role throughout the transaction process. It not only ensures transaction security and efficiency, but also enhances the user and merchant experience. Furthermore, the system monitors transactions in real time, effectively preventing fraud, money laundering, and other illegal activities.

[0259] In the above example, the payment system completes the entire transaction process via 5G messaging. First, the acquirer receives a message request, which contains the sender's identifier, message direction identifier, transaction serial number, basic information fields, and encrypted sensitive information fields. The operator then forwards the message based on the request, sending it to the bank. After processing the forwarded message, the bank returns a message containing the transaction results. Finally, the operator forwards the returned message to the acquirer, which parses it and presents it to the merchant.

[0260] The entire transaction process is carried out efficiently with the support of 5G messaging, improving transaction security and real-time performance. Through message requests and responses, all parties involved complete the transmission and confirmation of transaction information. Based on this, both parties can conduct subsequent business operations, such as merchant settlement and consumer refunds, based on the returned transaction result fields.

[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 all relevant variations should fall within the scope of protection 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 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 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 in the target merchant transaction information. Perform an identity authentication operation; 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, 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 contracted bank information corresponding to the merchant identity information; 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 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 open different commercial banks. The bank's file creation and account opening enables the SIM card based on 5G message 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 payment authentication parties, solving the problem of merchants having to create files and connect and develop multiple times to access payment methods of multiple commercial banks. It unties the payment, acquiring and clearing businesses of commercial banks, simplifies the payment authentication process, and realizes rapid connection and transaction processing between merchants and payment methods of various commercial banks, improves the transaction payment efficiency of merchants with different commercial banks, reduces the bank access costs for merchants to make transaction payments, and improves the merchant's transaction payment experience.

[0269] The embodiment of the present invention also provides a transaction payment method 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, such as Figure 4 As shown, the method includes:

[0270] Step 401: Detecting target merchant transaction information 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 contracted bank information associated with the merchant SIM card from the SIM card operator database; based on the contracted 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 contracted bank information corresponding to the merchant identity information one-to-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 on the merchant transaction request from the payment bank to the acceptance bank, and 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 via a preset merchant SIM card; sending the target merchant transaction information to a SIM card operator unit via the merchant SIM card, including:

[0276] Receive 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 target merchant transaction information based on pre-set 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, the target merchant transaction information is sent to the SIM card operator unit via the merchant SIM card, including:

[0281] After confirming that the target merchant's transaction information is legitimate and accurate, obtain the pre-set 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 configured 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 configured to:

[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 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;

[0290] A SIM card operator database is established based on the bank payment path.

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

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

[0293] Receive target cloud SIM services fed back by the merchant on the request interface; the target cloud SIM services include transaction fund flow analysis, transaction-involved 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 further configured to obtain 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 above-mentioned transaction payment method based on 5G messages. The computer device specifically includes the following contents:

[0297] A processor, a memory, a communications interface, and a bus; wherein the processor, the memory, and the communications interface communicate with each other via the bus; the communications interface is used to implement information transmission between related devices; the computer device can be a desktop computer, a tablet computer, a mobile terminal, etc., but this embodiment is not limited thereto. In this embodiment, the computer device can be implemented with reference to the embodiment for implementing a transaction payment method based on 5G messages and the embodiment for implementing a transaction payment device based on 5G messages, the contents of which are incorporated herein and 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. 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 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;

[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 contracted bank information associated with the merchant SIM card from the SIM card operator database; based on the contracted 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 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 on the merchant transaction request from the payment bank to the acceptance bank, and obtain a merchant transaction request processing result;

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

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

[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 further 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 all components shown in Figure 5 For components not shown, reference may be made to the prior art.

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

[0308] Memory 1002 can be, for example, one or more of a cache, flash memory, hard drive, removable media, volatile memory, non-volatile memory, or other suitable devices. It can store the aforementioned failure-related information and a program that executes the relevant information. The CPU 1001 can execute the program stored in memory 1002 to implement information storage or processing.

[0309] Input unit 1004 provides input to CPU 1001. Input unit 1004 may be, for example, a keypad or touch input device. Power supply 1007 is used to provide power to computer device 1000. Display 1006 is used to display objects such as images and text. This 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), random access memory (RAM), or SIM card. Alternatively, it may be a memory that retains information even when power is off, can be selectively erased, and is provided with more data. Examples of such memory are sometimes referred to as EPROMs. 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 for storing application programs and function programs or processes used by the central processing unit 1001 to execute the operations of the computer device 1000.

[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 driver programs 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 can be provided in the same computer device, such as a cellular network module, a Bluetooth module, and / or a wireless local area network module. The communication module (transmitter / receiver) 1003 is also coupled to a speaker 1009 and a microphone 1010 via an audio processor 1005 to provide audio output via the speaker 1009 and receive audio input from the microphone 1010, thereby implementing common telecommunication functions. The audio processor 1005 may include any suitable buffer, decoder, amplifier, etc. Furthermore, the audio processor 1005 is coupled to the central processing unit 1001, enabling local recording via the microphone 1010 and playback of stored audio via 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 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 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 in the target merchant transaction information. Perform an identity authentication operation; 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, 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 contracted bank information corresponding to the merchant identity information; 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 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 open different commercial banks. The bank's file creation and account opening enables the SIM card based on 5G message 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 payment authentication parties, solving the problem of merchants having to create files and connect and develop multiple times to access payment methods of multiple commercial banks. It unties the payment, acquiring and clearing businesses of commercial banks, simplifies the payment authentication process, and realizes rapid connection and transaction processing between merchants and payment methods of various commercial banks, improves the transaction payment efficiency of merchants with different commercial banks, reduces the bank access costs for merchants to make transaction payments, and improves the merchant's transaction payment experience.

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

[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 flowcharts and / or block diagrams, as well as combinations of processes and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowcharts and / or block diagrams. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

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

[0320] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function 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 messaging, characterized in that: include: A transaction detection unit, configured to detect target merchant transaction information 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 messaging technology; The SIM card operator unit is configured to perform an identity authentication operation on the merchant's SIM card based on the merchant identity information carried in the target merchant's transaction information; after the identity authentication operation is successful, obtain the contracted bank information associated with the merchant's 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; 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 by the target merchant transaction information to 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, wherein The transaction detection unit includes: A transaction information receiving module, configured 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 based on 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, wherein: The transaction information sending module is specifically used to: After confirming that the target merchant's transaction information is legitimate and accurate, obtain the pre-set 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, wherein: 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 target cloud SIM services fed back by the merchant on the request interface; the target cloud SIM services include transaction fund flow analysis, transaction-involved 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 further configured to obtain 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 messaging, characterized in that: include: Detecting 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 the merchant transaction information to the SIM card operator unit based on 5G messaging technology; the SIM card operator unit is used to: perform an identity authentication operation on the merchant SIM card based on 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; 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 configured to perform account processing on the merchant transaction request from the payment bank to the acceptance bank based on the payment bank identifier, acceptance bank identifier, and transaction message information carried in the target merchant transaction information, and obtain a merchant transaction request processing result; receiving the merchant transaction request processing result fed back by the target commercial bank; Feedback the merchant transaction request processing result to the target merchant.

8. The method according to claim 7, wherein Detecting target merchant transaction information on the SIM card terminal transmitted by the preset merchant SIM card; Sending the target merchant transaction information to the SIM card operator unit via the merchant SIM card includes: Receive 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 target merchant transaction information based on pre-set 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, wherein: 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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