Account data processing method and device based on 5G message

Abstract

The invention discloses an account data processing method and device based on a 5G message, relates to the technical field of 5G messages, can be used in the field of financial science and technology, and comprises the following steps: receiving an account data processing task sent by a 5G client node of a summary account; based on the account data processing task, authenticating a customer to which a summary account belongs, a customer to which a dispersed account belongs and a relationship between the two; after the authentication is passed, sending a summarized transaction template to the customer to which the summarized account belongs; after the summarized transaction information sent by the 5G client node of the summarized account is received, forwarding the summarized transaction information to the 5G client nodes of the dispersed accounts; and after confirmation of the 5G client node of the scattered account is received, the summarized transaction information is sent to the bank service node to generate an account data summarizing protocol, and the scattered account transfers accounts to the summarized account according to the account data summarizing protocol. According to the invention, the flexibility of account data processing is high, and the security and reliability of the data are good.

Description

Technical Field

[0001] The present invention relates to the field of 5G technology and can be used in the field of financial technology, and in particular to a method and device for processing account data based on 5G messages. Background Art

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

[0003] For different corporate customers, banks will provide different account management services. For example, currently individual customers sign an account data processing agreement through electronic banking channels. The bank will automatically transfer the funds in the customer's designated other bank card account to the customer's designated bank collection account according to the agreement. This method is not convenient and flexible enough because the agreement content is relatively templated and always remains unchanged, which cannot support the flexible needs of customers. For example: flexible adjustment of amount, flexible change of method, flexible modification of date, etc. Summary of the invention

[0004] In a first aspect, an embodiment of the present invention provides an account data processing method based on 5G messages, which is applied to a 5G message node, has high flexibility in account data processing, and has good data security and reliability, including:

[0005] Receiving an account data processing task sent by a 5G client node of the aggregated account through a 5G message, wherein the account data processing task is a request task for a dispersed account to perform a regular transfer from the dispersed account to the aggregated account;

[0006] Based on the account data processing task, authenticating the customer to which the aggregated account belongs, the customer to which the dispersed account belongs, and the relationship between the two;

[0007] After the customer of the aggregated account, the customer of the dispersed account, and the relationship between the two are authenticated, the aggregated transaction template is sent to the customer of the aggregated account;

[0008] After receiving the aggregated transaction information sent by the 5G client node of the aggregated account according to the aggregated transaction template, forward it to the 5G client node of the decentralized account;

[0009] After receiving confirmation of the aggregated transaction information from the 5G client node of the decentralized account, the aggregated transaction information is sent to the bank service node to generate an account data aggregation agreement, and the signed account data aggregation agreement information is returned. After the account data aggregation agreement is generated, the decentralized account transfers money to the aggregated account in accordance with the account data aggregation agreement.

[0010] In a second aspect, an embodiment of the present invention further provides an account data processing device based on 5G messages, which is applied to a 5G message node, has high flexibility in account data processing, and has good data security and reliability, including:

[0011] An account data processing task receiving module, used to receive an account data processing task sent by a 5G client node of an aggregated account through a 5G message, wherein the account data processing task is a request task for a dispersed account to perform a regular transfer from the dispersed account to the aggregated account;

[0012] An identity authentication module, used to authenticate the customer to which the aggregated account belongs, the customer to which the dispersed account belongs, and the relationship between the two, based on the account data processing task;

[0013] A template sending module, used to send a summary transaction template to the customer of the summary account after the customer of the summary account, the customer of the dispersed account and the relationship between the two are authenticated;

[0014] The aggregate message confirmation module is used to forward the aggregate transaction information sent by the 5G client node of the aggregate account according to the aggregate transaction template to the 5G client node of the decentralized account;

[0015] The aggregation agreement generation module is used to send the aggregated transaction information to the bank service node after receiving the confirmation of the aggregated transaction information from the 5G client node of the decentralized account, so as to generate an account data aggregation agreement and return the signed account data aggregation agreement information, wherein after the account data aggregation agreement is generated, the decentralized account transfers to the aggregated account in accordance with the account data aggregation agreement.

[0016] In a third aspect, an embodiment of the present invention further provides a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned account data processing method based on 5G messages when executing the computer program.

[0017] In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the above-mentioned account data processing method based on 5G messages is implemented.

[0018] In the fifth aspect, an embodiment of the present invention proposes a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements an account data processing method based on 5G messages.

[0019] In an embodiment of the present invention, a 5G client node of a summary account receives an account data processing task sent via a 5G message, wherein the account data processing task is a request task for a dispersed account to make a regular transfer from the dispersed account to the summary account; based on the account data processing task, the customer to the summary account, the customer to the dispersed account, and the relationship between the two are authenticated; after the customer to the summary account, the customer to the dispersed account, and the relationship between the two are authenticated, a summary transaction template is sent to the customer to the summary account; after receiving the summary transaction information sent by the 5G client node of the summary account according to the summary transaction template, the summary transaction information is forwarded to the 5G client node of the dispersed account; after receiving the confirmation of the summary transaction information by the 5G client node of the dispersed account, the summary transaction information is sent to the bank service node to generate an account data aggregation agreement, and the signed account data aggregation agreement information is returned, wherein after the account data aggregation agreement is generated, the dispersed account transfers money to the summary account in accordance with the account data aggregation agreement. Compared with the existing technology that uses web / APP related functions and performs customer identity authentication and online banking interconnection agreement signing based on fixed protocols, when a customer has a need for account aggregation, as long as the customer of the aggregated account initiates the account data processing task, the 5G message node can quickly authenticate the customer of the aggregated account, the customer of the decentralized account, and the relationship between the two, while ensuring good data security and reliability, avoiding excessive burden on the bank service node, and this can facilitate the 5G customer node of the aggregated account to enter the aggregated transaction template and obtain the aggregated transaction information, so as to conveniently generate the account data aggregation protocol. This process supports the flexible needs of customers and has high flexibility in account data processing. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0021] Figure 1 It is a flowchart of the account data processing method based on 5G messages in an embodiment of the present invention;

[0022] Figure 2 is a detailed flow chart of customer relationship authentication in an embodiment of the present invention;

[0023] Figure 3 is a detailed flow chart of identity authentication in an embodiment of the present invention;

[0024] Figure 4 It is a schematic diagram of an account data processing device based on 5G messages in an embodiment of the present invention;

[0025] Figure 5 Schematic diagram of a computer device in an embodiment of the present invention. DETAILED DESCRIPTION

[0026] To make the purpose, technical solution and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0027] The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0028] Figure 1 The following is a flowchart of an account data processing method based on 5G messages in an embodiment of the present invention. The account data processing method based on 5G messages is applied to a 5G message node, including:

[0029] Step 101, receiving an account data processing task sent by a 5G client node of an aggregated account through a 5G message, wherein the account data processing task is a request task for a dispersed account to perform a regular transfer from the aggregated account;

[0030] Step 102, based on the account data processing task, authenticate the customer to which the aggregated account belongs, the customer to which the dispersed account belongs, and the relationship between the two;

[0031] Step 103, after the customer of the aggregated account, the customer of the dispersed account and the relationship between the two are authenticated, a summary transaction template is sent to the customer of the aggregated account;

[0032] Step 104, after receiving the aggregated transaction information sent by the 5G client node of the aggregated account according to the aggregated transaction template, forward it to the 5G client node of the decentralized account;

[0033] Step 105, after receiving the confirmation of the aggregated transaction information from the 5G client node of the decentralized account, the aggregated transaction information is sent to the bank service node to generate an account data aggregation agreement, and the signed account data aggregation agreement information is returned, wherein after the account data aggregation agreement is generated, the decentralized account transfers the money to the aggregated account in accordance with the account data aggregation agreement.

[0034] In the embodiments of the present invention, compared with the prior art solution of using web page / APP related functions and performing customer identity authentication and online banking interconnection agreement signing based on a fixed protocol, when a customer has a need for account aggregation, as long as the customer to whom the aggregated account belongs initiates an account data processing task, the 5G message node can quickly authenticate the customer to whom the aggregated account belongs, the customer to whom the dispersed account belongs, and the relationship between the two, while ensuring good data security and reliability and avoiding excessive burden on the bank service node. In addition, this can facilitate the 5G customer node of the aggregated account to enter the aggregated transaction template and obtain the aggregated transaction information, so as to conveniently generate the account data aggregation protocol. This process supports the flexible needs of customers and has high flexibility in account data processing.

[0035] In the embodiment of the present invention, the 5G client can be a mobile phone terminal, providing SIM card services. The present invention mainly includes three participants, namely, the customer, the bank service terminal, and the operator service terminal.

[0036] In the embodiment of the present invention, the bank and the 5G message node that is willing to support this mode need to reach an agreement in advance, and the bank provides an interface for the 5G message node to call, so as to support the 5G message node to query and adjust the account aggregation agreement signed by the customer at the bank based on the customer information and transaction request information. During the query and adjustment process, both parties call according to the pre-agreed call specification, and the 5G message node sends customer information including name, mobile phone number, ID type, ID number, transaction request content, etc. The bank returns the customer's query results and adjustment results. During the message transmission process, both parties encrypt and decrypt the message according to the pre-agreed public key and private key to ensure the security of information transmission. Each step is described in detail below.

[0037] In step 101, an account data processing task is received from a 5G client node of the aggregated account via a 5G message, where the account data processing task is a request task for a periodic transfer from a dispersed account to an aggregated account;

[0038] Among them, the funds in the dispersed accounts can be transferred into the consolidated account according to the agreement. Generally, the customers of the two accounts are relatives, such as husband and wife, children, etc. The two accounts can also belong to the same customer, and the two accounts can also be corporate customers. There is no restriction here.

[0039] In step 102, based on the account data processing task, the customer to which the aggregated account belongs, the customer to which the dispersed account belongs, and the relationship between the two are authenticated; the authentication can be performed using an identity authentication module, see Figure 2 In one embodiment, based on the account data processing task, the customer to which the aggregated account belongs, the customer to which the dispersed account belongs, and the relationship between the two are authenticated, including:

[0040] Step 201, based on the account data processing task, perform a first identity authentication on the customer of the aggregated account;

[0041] Step 202, after the first authentication is passed, a request for collecting information of customers belonging to the decentralized accounts is sent to the 5G customer node of the aggregated account via a 5G message;

[0042] Step 203, after receiving the customer information of the customer belonging to the decentralized account sent by the 5G customer node of the aggregated account through the 5G message, send a transaction request to the 5G customer node of the decentralized account;

[0043] Step 204, after receiving the transaction approval message sent by the 5G client node of the decentralized account, perform a second identity authentication on the client of the decentralized account;

[0044] Step 205: After the second authentication is passed, the identity relationship between the customer to which the aggregated account belongs and the customer to which the dispersed account belongs is analyzed.

[0045] See also Figure 3 In one embodiment, the steps of the first identity authentication and the second identity authentication are as follows:

[0046] Step 301, conducting an access assessment on the customer based on the customer's transaction information and mobile phone number information, wherein the transaction information includes creditworthiness and transaction content, and the mobile phone number information includes at least one of the mobile phone number registration location, the mobile phone number common location, and the mobile phone number usage location;

[0047] Step 302: If the access assessment is not passed, it is determined that the identity authentication has failed;

[0048] Step 303: If the admission assessment is passed, the customer's identity is verified;

[0049] Step 304: If the verification fails, it is determined that the identity authentication fails;

[0050] Step 305, if the verification is successful, it is determined that the identity authentication is successful and an identity verification number is generated;

[0051] Step 306, sending the identity verification number to the bank service node, wherein the identity verification number is used by the bank service node to generate an account data aggregation protocol after verifying the customer's identity.

[0052] When verifying the identity of a customer, the customer's recorded or graphic identity information and other contents may be verified.

[0053] In step 103, after the customer to whom the aggregated account belongs, the customer to whom the dispersed accounts belong, and the relationship between the two are authenticated, a summary transaction template is sent to the customer to whom the aggregated account belongs; in one embodiment, the summary transaction template includes the name, card number, and account opening bank of the customer to whom the dispersed accounts belong, as well as the name, card number, and account opening bank of the customer to whom the aggregated account belongs, and at least one of the amount of account aggregation, the method of account aggregation, and the time of account aggregation.

[0054] In step 104, after receiving the aggregated transaction information sent by the 5G customer node of the aggregated account according to the aggregated transaction template, it is forwarded to the 5G customer node of the decentralized account; the customer of the aggregated account can enter the information according to the aggregated transaction template and submit it.

[0055] In step 105, after receiving the confirmation of the aggregated transaction information from the 5G client node of the decentralized account, the aggregated transaction information is sent to the bank service node to generate an account data aggregation agreement, and the signed account data aggregation agreement information is returned, wherein after the account data aggregation agreement is generated, the decentralized account transfers the money to the aggregated account in accordance with the account data aggregation agreement.

[0056] In specific implementation, if the customer of the decentralized account believes that the aggregated transaction information needs to be adjusted, then offline communication can be conducted with the customer of the aggregated account. After confirming that there is no problem, the aggregated transaction information communicated can be sent to the 5G message node, and then the 5G message node will transfer it to the customer of the aggregated account for confirmation. Then the customer of the aggregated account will send confirmation of the aggregated transaction information to the 5G message node. If the customer of the decentralized account disagrees with the account aggregation, he can refuse the transaction, and then the process will be terminated. In addition, the aggregated transaction information can also include risk warning information to remind the customer of the decentralized account. The confirmation of the aggregated transaction information also includes the customer information of the two customers.

[0057] In one embodiment, after receiving confirmation of the aggregated transaction information by the 5G client node of the decentralized account, the method further includes: sending the confirmation information to the 5G client node of the aggregated account;

[0058] After receiving the information of the signed account data aggregation agreement or the unsigned account data aggregation agreement, it is sent to the 5G client node of the aggregated account and the 5G client node of the decentralized account. Among them, the bank service node returns the information of the unsigned account data aggregation agreement when the aggregated transaction information does not meet the account data aggregation requirements.

[0059] Among them, the account data aggregation requirements are customized by the bank.

[0060] In one embodiment, before sending the aggregated transaction information to the bank service node, the method further includes:

[0061] Assemble and encrypt the aggregated transaction information;

[0062] The summarized transaction information is sent to the bank service node, including: sending the encrypted and assembled summarized transaction information to the bank service node, wherein the bank service node first decrypts the encrypted and assembled summarized transaction information to obtain the summarized transaction information after receiving it.

[0063] The embodiment of the present invention supports aggregation of accounts of different banks, and then the bank service node of the aggregated account generates an account data aggregation protocol and sends it to all customers and bank service nodes of dispersed accounts at the same time.

[0064] In one embodiment, after receiving confirmation of the aggregated transaction information from the 5G client node of the decentralized account, the aggregated transaction information is sent to the bank service node to generate an account data aggregation protocol, including:

[0065] The aggregated transaction information is sent to the bank service node of the decentralized account and the bank service node of the aggregated account, and the aggregated transaction information is used by the bank service node of the aggregated account to generate an account data aggregation protocol when determining that the aggregated transaction information meets the account data aggregation requirements.

[0066] In one embodiment, it further includes:

[0067] The 5G client node of the aggregated account receives an account data update task sent via a 5G message, wherein the account data update task is to update the parameters of a request task for regular transfers from the decentralized account to the aggregated account;

[0068] Sending the existing aggregated transaction information generated based on the aggregated transaction template to the 5G client node of the aggregated account;

[0069] The 5G client node of the receiving aggregated account modifies the existing aggregated transaction information, obtains the modified aggregated transaction information, and forwards it to the 5G client node of the decentralized account;

[0070] After receiving the confirmation of the aggregated transaction information from the 5G client node of the decentralized account, the modified aggregated transaction information is sent to the bank service node to generate a new account data aggregation agreement, and the signed account data aggregation agreement information is returned. After the new account data aggregation agreement is generated, the decentralized account transfers money to the aggregated account in accordance with the new account data aggregation agreement.

[0071] Through the above steps, when the summary transaction information needs to be changed, it is only necessary to initiate an application from the customer to whom the summary account belongs. Since the 5G information node has authenticated the two and the relationship between the two, the change process does not require re-authentication, and the summary transaction information can be flexibly modified.

[0072] An embodiment of the present invention also proposes an account data processing device based on 5G messages, the principle of which is similar to the account data processing method based on 5G messages, and will not be repeated here.

[0073] Figure 4 This is a schematic diagram of an account data processing device based on 5G messages in an embodiment of the present invention, which is applied to a 5G message node and includes:

[0074] An account data processing task receiving module 401 is used to receive an account data processing task sent by a 5G client node of an aggregated account via a 5G message, wherein the account data processing task is a request task for a dispersed account to perform a regular transfer from the dispersed account to the aggregated account;

[0075] An identity authentication module 402 is used to authenticate the customer to which the aggregated account belongs, the customer to which the dispersed account belongs, and the relationship between the two based on the account data processing task;

[0076] The template sending module 403 is used to send the aggregated transaction template to the customer of the aggregated account after the customer of the aggregated account, the customer of the dispersed account and the relationship between the two are authenticated;

[0077] The aggregate message confirmation module 404 is used to forward the aggregate transaction information sent by the 5G client node of the aggregate account according to the aggregate transaction template to the 5G client node of the decentralized account;

[0078] The aggregation agreement generation module 405 is used to send the aggregated transaction information to the bank service node after receiving the confirmation of the aggregated transaction information from the 5G client node of the decentralized account, so as to generate an account data aggregation agreement and return the signed account data aggregation agreement information, wherein after the account data aggregation agreement is generated, the decentralized account transfers the money to the aggregated account in accordance with the account data aggregation agreement.

[0079] In one embodiment, the identity authentication module is used to:

[0080] Based on the account data processing task, perform the first identity authentication on the customer of the aggregated account;

[0081] After the first authentication is passed, a request for collecting information about the customers of the decentralized accounts is sent to the 5G customer node of the aggregated account via 5G messages;

[0082] After receiving the customer information of the customer belonging to the decentralized account sent by the 5G customer node of the aggregated account through the 5G message, send a transaction request to the 5G customer node of the decentralized account;

[0083] After receiving the transaction approval message sent by the 5G client node of the decentralized account, a second identity authentication is performed on the client of the decentralized account;

[0084] After the second authentication is passed, the identity relationship between the customers belonging to the aggregated account and the customers belonging to the dispersed accounts is analyzed.

[0085] In one embodiment, the steps of the first identity authentication and the second identity authentication are as follows:

[0086] Conducting an access assessment on the customer based on the customer's transaction information and mobile phone number information, the transaction information including creditworthiness and transaction content, and the mobile phone number information including at least one of the mobile phone number registration location, the mobile phone number common location, and the mobile phone number usage location;

[0087] If the access assessment is not passed, it is determined that the identity authentication has failed;

[0088] If the admission assessment is passed, the customer's identity will be verified;

[0089] If the verification fails, it is determined that the identity authentication has failed;

[0090] If the verification passes, it is determined that the identity authentication is successful and an identity verification number is generated;

[0091] The identity verification number is sent to the bank service node, where the identity verification number is used by the bank service node to verify the customer's identity and generate an account data summary protocol.

[0092] In one embodiment, the aggregation protocol generation module is further used to: after receiving confirmation of the aggregated transaction information by the 5G client node of the decentralized account, send the confirmation information to the 5G client node of the aggregated account;

[0093] After receiving the information of the signed account data aggregation agreement or the unsigned account data aggregation agreement, it is sent to the 5G client node of the aggregated account and the 5G client node of the decentralized account. Among them, the bank service node returns the information of the unsigned account data aggregation agreement when the aggregated transaction information does not meet the account data aggregation requirements.

[0094] In one embodiment, the aggregated transaction template includes the name, card number, and bank of the customer to whom the dispersed accounts belong, as well as the name, card number, and bank of the customer to whom the aggregated accounts belong, and at least one of the amount of account aggregation, the method of account aggregation, and the time of account aggregation.

[0095] In one embodiment, the summary protocol generation module is further used to: assemble and encrypt the summary transaction information before sending the summary transaction information to the bank service node;

[0096] The summarized transaction information is sent to the bank service node, including: sending the encrypted and assembled summarized transaction information to the bank service node, wherein the bank service node first decrypts the encrypted and assembled summarized transaction information to obtain the summarized transaction information after receiving it.

[0097] In one embodiment, the summary protocol generation module is further configured to:

[0098] The aggregated transaction information is sent to the bank service node of the decentralized account and the bank service node of the aggregated account, and the aggregated transaction information is used by the bank service node of the aggregated account to generate an account data aggregation protocol when determining that the aggregated transaction information meets the account data aggregation requirements.

[0099] In one embodiment, the account data processing task receiving module is further used to:

[0100] The 5G client node of the aggregated account receives an account data update task sent via a 5G message, wherein the account data update task is to update the parameters of a request task for regular transfers from the decentralized account to the aggregated account;

[0101] The template sending module is also used to: send the existing aggregated transaction information generated based on the aggregated transaction template to the 5G client node of the aggregated account;

[0102] The aggregate message confirmation module is also used to: receive the modification of the existing aggregate transaction information by the 5G client node of the aggregate account, obtain the modified aggregate transaction information, and forward it to the 5G client node of the decentralized account;

[0103] The aggregation agreement generation module is also used to: after receiving the confirmation of the aggregated transaction information from the 5G client node of the decentralized account, send the modified aggregated transaction information to the bank service node to generate a new account data aggregation agreement, and return the signed account data aggregation agreement information, wherein after the new account data aggregation agreement is generated, the decentralized account transfers to the aggregate account in accordance with the new account data aggregation agreement.

[0104] To sum up, in the method and device proposed in the embodiments of the present invention, the account data processing task sent by the 5G client node of the aggregated account through the 5G message is received, and the account data processing task is a request task for the dispersed account to make regular transfers to the aggregated account; based on the account data processing task, the customer to the aggregated account, the customer to the dispersed account and the relationship between the two are authenticated; after the customer to the aggregated account, the customer to the dispersed account and the relationship between the two are authenticated, a summary transaction template is sent to the customer to the aggregated account; after receiving the summary transaction information sent by the 5G client node of the aggregated account according to the summary transaction template, it is forwarded to the 5G client node of the dispersed account; after receiving the confirmation of the summary transaction information by the 5G client node of the dispersed account, the summary transaction information is sent to the bank service node to generate an account data aggregation agreement, and the signed account data aggregation agreement information is returned, wherein after the account data aggregation agreement is generated, the dispersed account transfers to the aggregated account in accordance with the account data aggregation agreement. Compared with the existing technology that uses web / APP related functions and performs customer identity authentication and online banking interconnection agreement signing based on fixed protocols, when a customer has a need for account aggregation, as long as the customer of the aggregated account initiates the account data processing task, the 5G message node can quickly authenticate the customer of the aggregated account, the customer of the decentralized account, and the relationship between the two, while ensuring good data security and reliability, avoiding excessive burden on the bank service node, and this can facilitate the 5G customer node of the aggregated account to enter the aggregated transaction template and obtain the aggregated transaction information, so as to conveniently generate the account data aggregation protocol. This process supports the flexible needs of customers and has high flexibility in account data processing.

[0105] An embodiment of the present invention further provides a computer device, Figure 5 This is a schematic diagram of a computer device in an embodiment of the present invention. The computer device 500 includes a memory 510, a processor 520, and a computer program 530 stored in the memory 510 and executable on the processor 520. When the processor 520 executes the computer program 530, the above-mentioned account data processing method based on 5G messages is implemented.

[0106] 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 account data processing method based on 5G messages.

[0107] 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 account data processing method based on 5G messages.

[0108] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0109] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0110] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0111] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0112] 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 method for processing account data based on 5G messages, characterized in that: Applied to 5G message nodes, including: Receiving an account data processing task sent by a 5G client node of the aggregated account through a 5G message, wherein the account data processing task is a request task for a dispersed account to perform a regular transfer from the dispersed account to the aggregated account; Based on the account data processing task, authenticating the customer to which the aggregated account belongs, the customer to which the dispersed account belongs, and the relationship between the two; After the customer of the aggregated account, the customer of the dispersed account, and the relationship between the two are authenticated, the aggregated transaction template is sent to the customer of the aggregated account; After receiving the aggregated transaction information sent by the 5G client node of the aggregated account according to the aggregated transaction template, forward it to the 5G client node of the decentralized account; After receiving confirmation of the aggregated transaction information from the 5G client node of the decentralized account, the aggregated transaction information is sent to the bank service node to generate an account data aggregation agreement, and the signed account data aggregation agreement information is returned. After the account data aggregation agreement is generated, the decentralized account transfers money to the aggregated account in accordance with the account data aggregation agreement.

2. The method according to claim 1, characterized in that Based on the account data processing task, the customer to which the aggregated account belongs, the customer to which the dispersed account belongs, and the relationship between the two are authenticated, including: Based on the account data processing task, perform the first identity authentication on the customer of the aggregated account; After the first authentication is passed, a request for collecting information about the customers of the decentralized accounts is sent to the 5G customer node of the aggregated account via 5G messages; After receiving the customer information of the customer belonging to the decentralized account sent by the 5G customer node of the aggregated account through the 5G message, send a transaction request to the 5G customer node of the decentralized account; After receiving the transaction approval message sent by the 5G client node of the decentralized account, a second identity authentication is performed on the client of the decentralized account; After the second authentication is passed, the identity relationship between the customers belonging to the aggregated account and the customers belonging to the dispersed accounts is analyzed.

3. The method according to claim 2, characterized in that The steps for the first and second authentication are as follows: Conducting an access assessment on the customer based on the customer's transaction information and mobile phone number information, the transaction information including creditworthiness and transaction content, and the mobile phone number information including at least one of the mobile phone number registration location, the mobile phone number common location, and the mobile phone number usage location; If the access assessment is not passed, it is determined that the identity authentication has failed; If the admission assessment is passed, the customer's identity will be verified; If the verification fails, it is determined that the identity authentication has failed; If the verification passes, it is determined that the identity authentication is successful and an identity verification number is generated; The identity verification number is sent to the bank service node, where the identity verification number is used by the bank service node to verify the customer's identity and generate an account data summary protocol.

4. The method according to claim 1, characterized in that After receiving confirmation of the aggregated transaction information from the 5G client node of the decentralized account, the method further includes: sending the confirmation information to the 5G client node of the aggregated account; After receiving the information of the signed account data aggregation agreement or the unsigned account data aggregation agreement, it is sent to the 5G client node of the aggregated account and the 5G client node of the decentralized account. Among them, the bank service node returns the information of the unsigned account data aggregation agreement when the aggregated transaction information does not meet the account data aggregation requirements.

5. The method according to claim 1, characterized in that The aggregated transaction template includes the name, card number, and bank of the customer to whom the dispersed account belongs, as well as the name, card number, and bank of the customer to whom the aggregated account belongs, and at least one of the amount of account aggregation, the method of account aggregation, and the time of account aggregation.

6. The method according to claim 1, characterized in that Before sending the aggregated transaction information to the banking service node, it also includes: Assemble and encrypt the aggregated transaction information; The summarized transaction information is sent to the bank service node, including: sending the encrypted and assembled summarized transaction information to the bank service node, wherein the bank service node first decrypts the encrypted and assembled summarized transaction information to obtain the summarized transaction information after receiving it.

7. The method according to claim 1, characterized in that After receiving the confirmation of the aggregated transaction information from the 5G client node of the decentralized account, the aggregated transaction information is sent to the bank service node to generate the account data aggregation protocol, including: The aggregated transaction information is sent to the bank service node of the decentralized account and the bank service node of the aggregated account, and the aggregated transaction information is used by the bank service node of the aggregated account to generate an account data aggregation protocol when determining that the aggregated transaction information meets the account data aggregation requirements.

8. The method according to claim 1, characterized in that Also includes: The 5G client node of the aggregated account receives an account data update task sent via a 5G message, wherein the account data update task is to update the parameters of a request task for regular transfers from the decentralized account to the aggregated account; Sending the existing aggregated transaction information generated based on the aggregated transaction template to the 5G client node of the aggregated account; The 5G client node of the receiving aggregated account modifies the existing aggregated transaction information, obtains the modified aggregated transaction information, and forwards it to the 5G client node of the decentralized account; After receiving the confirmation of the aggregated transaction information from the 5G client node of the decentralized account, the modified aggregated transaction information is sent to the bank service node to generate a new account data aggregation agreement, and the signed account data aggregation agreement information is returned. After the new account data aggregation agreement is generated, the decentralized account transfers money to the aggregated account in accordance with the new account data aggregation agreement.

9. An account data processing device based on 5G messages, characterized in that: Applied to 5G message nodes, including: An account data processing task receiving module, used to receive an account data processing task sent by a 5G client node of an aggregated account through a 5G message, wherein the account data processing task is a request task for a dispersed account to perform a regular transfer from the dispersed account to the aggregated account; An identity authentication module, used to authenticate the customer to which the aggregated account belongs, the customer to which the dispersed account belongs, and the relationship between the two, based on the account data processing task; A template sending module, used to send a summary transaction template to the customer of the summary account after the customer of the summary account, the customer of the dispersed account and the relationship between the two are authenticated; The aggregate message confirmation module is used to forward the aggregate transaction information sent by the 5G client node of the aggregate account according to the aggregate transaction template to the 5G client node of the decentralized account; The aggregation agreement generation module is used to send the aggregated transaction information to the bank service node after receiving the confirmation of the aggregated transaction information from the 5G client node of the decentralized account, so as to generate an account data aggregation agreement and return the signed account data aggregation agreement information, wherein after the account data aggregation agreement is generated, the decentralized account transfers to the aggregated account in accordance with the account data aggregation agreement.

10. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method according to any one of claims 1 to 8 is implemented.

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

12. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 8 is implemented.

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