Account data processing method and device based on 5G message

Abstract

The present invention discloses a method and device for processing account data based on 5G messages, relates to the field of 5G message technology, and can be used in the field of financial technology. The method includes: receiving an account data processing task sent by a 5G client node of a summary account; authenticating the customer to which the summary account belongs, the customer to which the dispersed account belongs, and the relationship between the two based on the account data processing task; after all authentications are passed, sending a summary transaction template to the customer to which the summary account belongs; after receiving the summary transaction information sent by the 5G client node of the summary account, forwarding it to the 5G client node of the dispersed account; after receiving confirmation from the 5G client node of the dispersed account, sending the summary transaction information to a bank service node to generate an account data aggregation protocol, and the dispersed account transfers money to the summary account according to the account data aggregation protocol. The present invention has high flexibility in account data processing and good data security and reliability.

Description

Technical Field

[0001] The present invention relates to the field of 5G technology and can be used in the field of financial technology. In particular, it relates 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 that are recited in the claims. No statement herein is admitted to be prior art by virtue of its inclusion in this section.

[0003] Banks offer different account management services for different corporate clients. For example, currently, when individual customers sign an account data processing agreement through electronic banking, the bank automatically transfers funds from the customer's designated card account at another bank to a designated receiving account within the bank. This approach is inconvenient and inflexible because the agreement is templated and unchanging, and cannot accommodate flexible customer needs, such as flexible adjustments to amounts, methods, and dates. Summary of the Invention

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

[0005] Receive an account data processing task sent by the 5G client node of the aggregated account via a 5G message, where the account data processing task is a request task for a regular transfer from a decentralized account to the aggregated account;

[0006] Based on the account data processing task, authenticate the customer to whom the aggregated account belongs, the customer to whom 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, it is forwarded 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 messaging, which is applied to a 5G messaging node and has high flexibility in account data processing and good data security and reliability, including:

[0011] An account data processing task receiving module, configured 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 regular transfer from a decentralized account to an aggregated account;

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

[0013] A template sending module is 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. After the account data aggregation agreement is generated, the decentralized account transfers money to the aggregation 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, 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.

[0018] In a 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, an account data processing task is received by a 5G client node of a summary account via a 5G message, wherein the account data processing task is a request task for a dispersed account to make regular transfers 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 confirmation of the summary transaction information from the 5G client node of the dispersed account, the summary transaction information is sent to the bank service node to generate an account data summary agreement, and the signed account data summary agreement information is returned, wherein, after the account data summary agreement is generated, the dispersed account transfers to the summary account in accordance with the account data summary 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 also 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 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:

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

[0022] Figure 2 Detailed flowchart of customer relationship authentication in an embodiment of the present invention;

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

[0024] Figure 4 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 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.

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

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

[0029] Step 101: Receive an account data processing task sent by a 5G client node of an aggregated account via a 5G message, where the account data processing task is a request task for a regular transfer from a dispersed account to an aggregated account;

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

[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 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 funds to the aggregated account in accordance with the account data aggregation agreement.

[0034] In the embodiment of the present invention, compared with the solution in the prior art that uses web page / APP related functions and performs customer identity authentication and online banking interconnection agreement 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 the account data processing task, the 5G message node can quickly authenticate the customer to whom the aggregated account belongs, the customer to whom the decentralized account belongs, and the relationship between the two, while ensuring good data security and reliability, avoiding excessive burden on the bank service node, and this can also 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, which provides SIM card services. The present invention mainly includes three participants, namely the customer, the bank service terminal, and the operator service terminal.

[0036] In this embodiment of the present invention, a bank and a 5G messaging node willing to support this model must reach an agreement in advance. The bank provides an interface for the 5G messaging node to call, thereby enabling the 5G messaging node to query and adjust the account aggregation agreement signed by the customer at the bank based on customer information and transaction request information. During the query and adjustment process, both parties make calls according to the pre-agreed call specifications. The 5G messaging node sends customer information including name, mobile phone number, ID type, ID number, transaction request content, etc. The bank returns the customer's query and adjustment results. During message transmission, both parties encrypt and decrypt the message according to the pre-agreed public and private keys 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 an aggregated account via a 5G message, where the account data processing task is a request task for a periodic transfer from a decentralized account to an aggregated account;

[0038] Among them, the funds in the dispersed accounts can be transferred to 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 be from 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, authenticating the customer to which the aggregated account belongs, the customer to which the dispersed account belongs, and the relationship between the two customers includes:

[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 about the customers of 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 via a 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 whom the aggregated account belongs and the customer to whom 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: Conduct 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 following: the place where the mobile phone number is registered, the place where the mobile phone number is frequently used, and the place where the mobile phone number is used;

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

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

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

[0050] Step 305: If the verification passes, the identity authentication is determined to be successful and an identity verification number is generated;

[0051] Step 306: Send the identity verification number to the bank service node, wherein the identity verification number is used by the bank service node to verify the customer's identity and generate an account data summary protocol.

[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 bank account opening bank of the customer to whom the dispersed accounts belong, as well as the name, card number, and bank 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. 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.

[0056] In specific implementation, if the customer of the decentralized account believes that the aggregated transaction information needs to be adjusted, they can communicate offline with the customer of the aggregated account. After confirming that there are no issues, the aggregated transaction information can be sent to the 5G messaging node, which will then forward it to the customer of the aggregated account for confirmation. The customer of the aggregated account will then send a confirmation of the aggregated transaction information to the 5G messaging node. If the customer of the decentralized account disagrees with the account aggregation, they can refuse the transaction, terminating the process. 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 both customers.

[0057] In one embodiment, 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;

[0058] After receiving the information of the signed account data aggregation agreement or the information of 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 decrypts the encrypted and assembled summarized transaction information after receiving it to obtain the summarized transaction information.

[0063] The embodiment of the present invention supports aggregation of accounts of different banks. 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 decentralized 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. 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 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 them, 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 messaging in an embodiment of the present invention, which is applied to a 5G messaging node and includes:

[0074] An account data processing task receiving module 401 is configured 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 periodic transfer from a dispersed account to an aggregated account;

[0075] An identity authentication module 402 is configured to authenticate the customer of the aggregated account, the customer of the dispersed account, and the relationship between the customer and the aggregated account 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 aggregated message confirmation module 404 is configured to forward the aggregated transaction information sent by the 5G client node of the aggregated account according to the aggregated 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 money to the aggregation 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 belonging to 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 via 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 customer belonging to the aggregated account and the customer belonging to the dispersed account 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 their transaction information and mobile phone number information, where the transaction information includes creditworthiness and transaction content, and the mobile phone number information includes at least one of the following: the place where the mobile phone number is registered, the place where the mobile phone number is frequently used, and the place where the mobile phone number is used;

[0087] If the access assessment fails, the identity authentication is determined to have 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, the identity authentication is confirmed to be 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 agreement.

[0092] In one embodiment, the aggregation agreement generation module is further configured to: after receiving confirmation of the aggregated transaction information from 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 information of 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 account opening of the customer to whom the decentralized account belongs, as well as the name, card number, and bank account opening 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.

[0095] In one embodiment, the summary protocol generation module is further configured 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 decrypts the encrypted and assembled summarized transaction information after receiving it to obtain the summarized transaction information.

[0097] In one embodiment, the summary agreement 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. 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 configured 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 further 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 summary message confirmation module is further used to: receive the modification of the existing summary transaction information by the 5G client node of the summary account, obtain the modified summary transaction information, and forward it to the 5G client node of the decentralized account;

[0103] The summary agreement generation module is also used to: after receiving the confirmation of the summary transaction information from the 5G client node of the decentralized account, send the modified summary transaction information to the bank service node to generate a new account data summary agreement, and return the signed account data summary agreement information. After the new account data summary agreement is generated, the decentralized account transfers money to the summary account in accordance with the new account data summary 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 customer node of the aggregated account through the 5G message is received, and the account data processing task is a request task for the decentralized 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 decentralized account and the relationship between the two are authenticated; after the customer to the aggregated account, the customer to the decentralized 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 customer node of the aggregated account according to the summary transaction template, it is forwarded to the 5G customer node of the decentralized account; after receiving the confirmation of the summary transaction information by the 5G customer node of the decentralized account, the summary transaction information is sent to the bank service node to generate an account data summary agreement, and the signed account data summary agreement information is returned, wherein, after the account data summary agreement is generated, the decentralized account transfers to the aggregated account in accordance with the account data summary 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 also 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] 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.

[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 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.

[0110] 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.

[0111] 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.

[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: Receive an account data processing task sent by the 5G client node of the aggregated account via a 5G message, where the account data processing task is a request task for a regular transfer from a decentralized account to the aggregated account; Based on the account data processing task, authenticate the customer to whom the aggregated account belongs, the customer to whom 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, it is forwarded 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, wherein 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 belonging to 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 via 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 customer belonging to the aggregated account and the customer belonging to the dispersed account is analyzed.

3. The method according to claim 2, wherein The steps for the first and second identity authentication are as follows: Conducting an access assessment on the customer based on their transaction information and mobile phone number information, where the transaction information includes creditworthiness and transaction content, and the mobile phone number information includes at least one of the following: the place where the mobile phone number is registered, the place where the mobile phone number is frequently used, and the place where the mobile phone number is used; If the access assessment fails, the identity authentication is determined to have 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, the identity authentication is confirmed to be 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 agreement.

4. The method according to claim 1, wherein 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 information of 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, wherein The summary transaction template includes the name, card number, and opening bank of the customer to whom the decentralized account belongs, as well as the name, card number, and opening bank of the customer to whom the summary account belongs, and at least one of the amount of account summary, the method of account summary, and the time of account summary.

6. The method according to claim 1, wherein 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 decrypts the encrypted and assembled summarized transaction information after receiving it to obtain the summarized transaction information.

7. The method according to claim 1, wherein 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 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. 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, wherein 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 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, configured 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 regular transfer from a decentralized account to an aggregated account; An identity authentication module, configured to authenticate the customer to whom the aggregated account belongs, the customer to whom the dispersed account belongs, and the relationship between the two, based on the account data processing task; A template sending module is 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. After the account data aggregation agreement is generated, the decentralized account transfers money to the aggregation 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, wherein: 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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