Credit card management method and device based on 5G message

Abstract

The invention discloses a credit card management 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 a credit card application and a mobile phone number credibility judgment result sent by a 5G message processing node, the mobile phone number credible judgment result is sent after the 5G message processing node judges whether the mobile phone number is a credible mobile phone number; if the mobile phone number judgment result is a credible mobile phone number, obtaining a credit card of the client; if the mobile phone number judgment result is an untrusted mobile phone number, inquiring a client resource library to successfully verify the identity of the client, and then obtaining a credit card of the client; according to the credit card application, performing risk-based analysis on the obtained credit card, and determining the authority of the credit card; sending the newly added credible mobile phone numbers to a 5G message processing node in batches; and carrying out real-time risk perception and identification on the credit card so as to carry out risk control. According to the invention, credit card management can be realized safely, efficiently and reliably.

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 credit card management method and device based on 5G messages. Background Art

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

[0003] A credit card is an electronic payment card issued by a commercial bank or other financial institution that has all or part of the functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. More and more people choose to use credit cards. Credit card application, credit limit adjustment, and reporting loss are currently common credit card operations.

[0004] Currently, credit card applications, credit limit adjustments or reporting of loss require customers to go to a branch or log in to the bank app on their mobile phone to handle the process. This is inconvenient and inefficient.

[0005] For example, the application method is generally to fill in a credit card application form, which generally includes the name, basic information, economic status or source of income, guarantor and basic information of the applicant. The applicant must submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he / she must submit relevant credit certificates at the same time as submitting the completed application. The application form is accompanied by a credit card use contract, the applicant authorizes the issuing bank or relevant departments to investigate relevant information, and submits a statement of the authenticity of the information, the issuing bank's privacy protection policy, etc., and the applicant's personal signature is required.

[0006] It can be seen that there is currently a lack of safe, efficient and reliable credit card management methods that allow customers to manage their credit cards without going to branches or logging into mobile apps. Summary of the invention

[0007] In a first aspect, an embodiment of the present invention provides a credit card management method based on 5G messages, which is applied to a bank node to implement credit card management safely, efficiently and reliably, including:

[0008] Receive a credit card application and a mobile phone number trust judgment result sent by a 5G message processing node, wherein the credit card application is sent by a 5G client to the 5G message processing node via a mobile phone number, and the mobile phone number trust judgment result is sent by the 5G message processing node after the 5G message processing node determines whether the mobile phone number is a trustworthy mobile phone number through a trusted mobile phone number database, and the credit card application includes customer information;

[0009] If the mobile phone number is judged to be a credible mobile phone number, obtain the customer's credit card;

[0010] If the mobile phone number is judged as untrustworthy, the customer resource library is queried to authenticate the customer. After successful verification, the mobile phone number is determined to be a trustworthy number, and the customer's credit card is obtained;

[0011] Based on the credit card application, conduct risk analysis on the credit cards obtained and determine the credit card authority;

[0012] Send the newly added trusted mobile phone numbers in batches to the trusted mobile phone number database of the 5G message processing node at a preset time point;

[0013] When customers use their credit cards, the bank collects information about abnormal changes in credit card scenarios, monitors the user's activeness in credit card operations in real time, and conducts real-time risk perception and identification of credit cards.

[0014] Based on the risk identification results, risk control is carried out according to the corresponding risk control strategies.

[0015] In a second aspect, an embodiment of the present invention further provides another 5G message-based credit card management device, which is applied to a bank node to implement credit card management safely, efficiently and reliably, including:

[0016] An information receiving module is used to receive a credit card application and a mobile phone number trust judgment result sent by a 5G message processing node. The credit card application is sent by a 5G client to the 5G message processing node via a mobile phone number. The mobile phone number trust judgment result is sent by the 5G message processing node after the 5G message processing node determines whether the mobile phone number is a trustworthy mobile phone number through a trusted mobile phone number database. The credit card application includes customer information;

[0017] The credit card acquisition module is used to obtain the customer's credit card if the mobile phone number is judged to be a trusted mobile phone number; if the mobile phone number is judged to be an untrusted mobile phone number, the customer resource library is queried to authenticate the customer. After successful verification, the mobile phone number is determined to be a trusted mobile phone number and the customer's credit card is obtained;

[0018] The credit card authority determination module is used to perform risk analysis on the credit cards obtained based on the credit card application and determine the authority of the credit card;

[0019] A trusted mobile phone number database update module is used to send the newly added trusted mobile phone numbers in batches to the trusted mobile phone number database of the 5G message processing node at a preset time point;

[0020] The risk identification module is used to perceive and identify the risks of credit cards in real time during the process of customers using credit cards, based on the bank's accumulated information on abnormal changes in credit card operations and the real-time monitoring of users' credit card operations;

[0021] The risk control module is used to perform risk control according to the corresponding risk control strategies based on the risk identification results.

[0022] 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 5G message-based credit card management method when executing the computer program.

[0023] In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, which stores a computer program, and when the computer program is executed by a processor, it implements the above-mentioned credit card management method based on 5G messages.

[0024] 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 a credit card management method based on 5G messages.

[0025] In an embodiment of the present invention, a 5G message processing node can perform a trusted mobile phone number judgment, that is, determine that the customer identity is trustworthy, thereby reducing the verification burden of the bank node. If the bank node judges that the mobile phone number is a trusted mobile phone number, it obtains the customer's credit card; if the mobile phone number is judged to be an untrustworthy mobile phone number, the customer resource library is queried to authenticate the customer's identity. After the verification is successful, the mobile phone number is determined to be a trusted mobile phone number, and the customer's credit card is obtained; in this way, the authority of the credit card can be directly determined after a comprehensive risk analysis; in addition, in the process of the customer using the credit card, the embodiment of the present invention can use the bank's accumulated credit card abnormal change scenario information, real-time monitoring of the user's credit card operation activity, and real-time risk perception and identification of the credit card; thereby performing risk control according to the corresponding risk control strategy, and the data security and reliability are good throughout the process. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] 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:

[0027] Figure 1 This is a flowchart of a credit card management method based on 5G messages in an embodiment of the present invention;

[0028] Figure 2 This is a flow chart of credit card agency based on 5G messages in an embodiment of the present invention;

[0029] Figure 3 This is a flowchart of reporting a credit card loss based on 5G messages in an embodiment of the present invention;

[0030] Figure 4 Schematic diagram of a credit card management device based on 5G messages in an embodiment of the present invention;

[0031] Figure 5 Schematic diagram of a computer device in an embodiment of the present invention. DETAILED DESCRIPTION

[0032] 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.

[0033] 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.

[0034] Figure 1 The flowchart of the credit card management method based on 5G message in an embodiment of the present invention is applied to a bank node, including:

[0035] Step 101, receiving a credit card application and a mobile phone number trust judgment result sent by a 5G message processing node, wherein the credit card application is sent by a 5G client to the 5G message processing node via a mobile phone number, and the mobile phone number trust judgment result is sent by the 5G message processing node after the 5G message processing node determines whether the mobile phone number is a trustworthy mobile phone number through a trusted mobile phone number database, and the credit card application includes customer information;

[0036] Step 102, if the mobile phone number is judged to be a credible mobile phone number, obtain the customer's credit card;

[0037] Step 103, if the mobile phone number is judged to be an untrustworthy mobile phone number, query the customer resource library to authenticate the customer, and after successful authentication, determine that the mobile phone number is a credible mobile phone number, and obtain the customer's credit card;

[0038] Step 104, based on the credit card application, conduct risk analysis on the obtained credit card to determine the authority of the credit card;

[0039] Step 105, sending the newly added trusted mobile phone numbers in batches to the trusted mobile phone number database of the 5G message processing node at a preset time point;

[0040] Step 106, when the customer uses the credit card, the bank uses the credit card abnormal change scenario information accumulated by the bank and the real-time monitoring of the user's credit card operation activity to perform real-time risk perception and identification of the credit card;

[0041] Step 107: Perform risk control according to the risk identification result and the corresponding risk control strategy.

[0042] In an embodiment of the present invention, a 5G message processing node can perform a trusted mobile phone number judgment, that is, determine that the customer identity is trustworthy, thereby reducing the verification burden of the bank node. If the bank node judges that the mobile phone number is a trusted mobile phone number, it obtains the customer's credit card; if the mobile phone number is judged to be an untrustworthy mobile phone number, the customer resource library is queried to authenticate the customer's identity. After the verification is successful, the mobile phone number is determined to be a trusted mobile phone number, and the customer's credit card is obtained; in this way, the authority of the credit card can be directly determined after a comprehensive risk analysis; in addition, in the process of the customer using the credit card, the embodiment of the present invention can use the bank's accumulated credit card abnormal change scenario information, real-time monitoring of the user's credit card operation activity, and real-time risk perception and identification of the credit card; thereby performing risk control according to the corresponding risk control strategy, and the data security and reliability are good throughout the process.

[0043] Each step is described in detail below.

[0044] In step 101, a credit card application and a mobile phone number trust judgment result sent by a 5G message processing node are received. The credit card application is sent by a 5G client to the 5G message processing node via a mobile phone number. The mobile phone number trust judgment result is sent by the 5G message processing node after the 5G message processing node determines whether the mobile phone number is a trustworthy mobile phone number through a trusted mobile phone number database. The credit card application includes customer information.

[0045] In step 102, if the mobile phone number is determined to be a credible mobile phone number, the customer's credit card is obtained;

[0046] In one embodiment, if the mobile phone number is determined to be a trusted mobile phone number, obtaining the customer's credit card includes:

[0047] If the mobile phone number is judged to be a credible mobile phone number, compare the mobile phone number with the mobile phone number reserved in the bank;

[0048] If the comparison is consistent, it is determined that the customer is a bank customer, and the credit card corresponding to the mobile phone number is queried.

[0049] In one embodiment, the method further comprises:

[0050] Perform real-name identity authentication on the customer's mobile phone number based on the customer's ID and biometrics. If the authentication is passed, the customer's mobile phone number is determined to be a trusted mobile phone number. Otherwise, the customer's mobile phone number is determined to be an untrusted mobile phone number.

[0051] Add the trusted mobile phone number to the trusted mobile phone number database.

[0052] In step 103, if the mobile phone number is judged to be an untrustworthy mobile phone number, the customer resource library is queried to authenticate the customer. After successful authentication, the mobile phone number is determined to be a credible mobile phone number, and the customer's credit card is obtained;

[0053] In one embodiment, the customer resource library is an interbank bank database;

[0054] Query the customer resource library to authenticate the customer, including:

[0055] Check whether there is customer information corresponding to the mobile phone number in the customer resource library;

[0056] If it exists, the customer's identity is compared with the customer information corresponding to the queried mobile phone number. If the comparison is successful, the identity verification is determined to be successful;

[0057] If it does not exist, call the identity authentication interface to perform real-name identity authentication on the customer, and add the customer information of the successfully authenticated customer to the interbank database.

[0058] In step 104, based on the credit card application, a risk analysis is performed on the obtained credit card to determine the credit card authority;

[0059] In one embodiment, based on the credit card application, a risk analysis is performed on the obtained credit card to determine the authority of the credit card, including:

[0060] Determine the current verification form according to the current environmental conditions and security requirements, wherein the verification forms include high-risk verification, medium-risk verification and low-risk verification, wherein the high-risk verification includes password verification and / or physical medium verification, the medium-risk verification includes at least one of face recognition, voice verification and video verification; and the low-risk verification includes SMS verification;

[0061] Verify the customer using the customer information from the current verification form and credit card application;

[0062] If the verification is successful, the credit card authority is determined to be the business authority corresponding to the current verification form;

[0063] If the verification fails, the credit card permissions are determined to be the preset basic permissions.

[0064] In specific implementation, high-risk verification is suitable for indoor scenarios with high security requirements, but not for environments with strong light (such as indoors); medium-risk verification has strong environmental adaptability, a good balance between pass rate and security, and low-risk verification is suitable for environments with strong light. Business permissions for high-risk verification include resetting credit card passwords, adjusting credit limits, changing mobile phone numbers, and remote video face-to-face signing for loans.

[0065] During video verification, the customer's network environment, system volume, audio port occupancy, microphone permissions and other equipment environments are judged in advance. The corresponding content is displayed on the video review prompt page to remind the customer to pay attention. Information submitted for review: portrait information, identity authentication elements, mobile device information, etc.

[0066] In one embodiment, the method further comprises:

[0067] A risk analysis is performed based on the risk identifiers added to the credit card application and mobile phone number to determine the credit card permissions. The risk identifier is added after the 5G message processing node monitors the risk events of the customer corresponding to each mobile phone number.

[0068] In the above embodiment, if a risk event occurs, the 5G message processing node can add a risk tag to the mobile phone number. When an abnormal risk occurs, the face recognition system can be called to complete the identity verification.

[0069] In step 105, the newly added trusted mobile phone numbers are sent in batches to the trusted mobile phone number database of the 5G message processing node at a preset time point; in this way, the 5G message processing node can perform trusted mobile phone number authentication more reliably at any time, making the operation of the bank node more efficient.

[0070] In step 106, when the customer uses the credit card, the bank uses the credit card abnormal change scenario information accumulated by the bank and the real-time monitoring of the user's credit card operation activity to perform real-time risk perception and identification of the credit card;

[0071] In one embodiment, the bank uses the credit card abnormal change scenario information accumulated by the bank and the real-time monitoring of the user's credit card operation activity to perform real-time risk perception and identification of the credit card, including:

[0072] Extract the first keyword from the credit card abnormal change scenario information accumulated by the bank;

[0073] Extract the second keyword of the user's activity on credit card operations;

[0074] The first keyword and the second keyword are input into the risk identification model to obtain a risk identification result.

[0075] In specific implementation, we can focus on statistics of businesses with higher call volume, monitor user activity and sentiment indicators, and obtain user activity in credit card operations. Risk identification models can be artificial intelligence models, knowledge graphs, etc., and there is no restriction here.

[0076] In step 107, risk control is performed according to the risk identification result and the corresponding risk control strategy.

[0077] In one embodiment, the risk control strategy includes real-time blocking, enhanced authentication and risk warning. If the risk identification result is high risk, then real-time blocking is performed; if it is medium risk, then enhanced authentication is performed; if it is low risk, then only risk warning is performed.

[0078] In one embodiment, the method further comprises:

[0079] Conduct effectiveness evaluation on risk control results;

[0080] According to the effectiveness evaluation results, risk data is mined, and the mined risk data is used to update the risk identification model.

[0081] When conducting effectiveness evaluation, custom indicators can be used, such as risk factors. When the risk factors exceed different thresholds, different effectiveness evaluation results can be obtained.

[0082] See also Figure 2 In one embodiment, the method further comprises:

[0083] Step 201, receiving a credit card agency application and a mobile phone number trust judgment result sent by a 5G message processing node, wherein the credit card application is sent by a 5G client through the agent's mobile phone number, and the mobile phone number trust judgment result is sent by the 5G message processing node after judging whether the agent's mobile phone number and the applicant's mobile phone number in the credit card agency application are trustworthy mobile phone numbers through a trusted mobile phone number database, and the credit card agency application includes the applicant's customer information and the agent's customer information;

[0084] Step 202: If the result of the mobile phone number judgment is that both the applicant's mobile phone number and the agent's mobile phone number are credible, the relationship between the agent and the applicant is checked. After confirming that they are relatives, a new credit card is generated for the applicant using the agent's mobile phone number and the applicant's mobile phone number;

[0085] Step 203: If the result of the mobile phone number judgment is that the mobile phone number of the applicant or the agent is an untrusted mobile phone number, the relationship between the agent and the applicant is queried. After confirming that they are relatives, the customer resource library is queried to authenticate the identity of the agent and the applicant. After both are successfully authenticated, a new credit card is generated for the applicant using the agent's mobile phone number and the applicant's mobile phone number.

[0086] Step 204, conduct risk analysis based on the credit card agency application, conduct risk analysis on the obtained credit card, and determine the authority of the credit card.

[0087] Through the above embodiments, it is possible for others to apply for a credit card on behalf of the applicant, such as a relative, which expands the application process in inconvenient scenarios. In addition, the principle of querying the customer resource library to authenticate the agent and the applicant is the same as mentioned above. Among them, when authenticating the applicant, remote video can be used. In addition, the applicant's new credit card account can be linked to the agent. At this time, in subsequent transactions, facial verification of the identity information of the two people in the linked account is required to complete the operation.

[0088] See also Figure 3 In one embodiment, the method further comprises:

[0089] Step 301, receiving a loss reporting application and customer information after identity verification sent by a 5G message processing node, wherein the loss reporting application is sent by a 5G client to the 5G message processing node via a mobile phone number, wherein the 5G message processing node obtains the real-name identity verification information corresponding to the mobile phone number, and when the real-name identity verification information successfully matches the customer information in the loss reporting application, it is determined that the customer's identity verification is successful;

[0090] Step 302, querying the associated account of the credit card based on the customer information after the loss report application and identity verification;

[0091] Step 303, deleting the credit card information in the associated account;

[0092] Step 304, reporting the loss of the credit card;

[0093] Step 305, sending the loss report operation result to the 5G client.

[0094] In specific implementation, the loss report application can be initiated by the 5G client, or it can be initiated by the 5G client after the bank node finds abnormal consumption and reminds the 5G client's customer. The above loss report process mainly relies on the 5G message processing node to perform identity authentication, which saves the bank node identity authentication operation, and the 5G message processing node can perform real-name identity authentication very reliably.

[0095] An embodiment of the present invention also proposes a credit card management device based on 5G messages, which is applied to a bank node. Its principle is similar to that of a credit card management method based on 5G messages, and will not be repeated here.

[0096] Figure 4 The schematic diagram of a credit card management device based on 5G messages in an embodiment of the present invention includes:

[0097] The information receiving module 401 is used to receive the credit card application and the mobile phone number trust judgment result sent by the 5G message processing node. The credit card application is sent by the 5G client to the 5G message processing node through the mobile phone number. The mobile phone number trust judgment result is sent by the 5G message processing node after judging whether the mobile phone number is a trustworthy mobile phone number through the trusted mobile phone number database. The credit card application includes customer information;

[0098] The credit card obtaining module 402 is used to obtain the customer's credit card if the mobile phone number is judged to be a credible mobile phone number; if the mobile phone number is judged to be an untrustworthy mobile phone number, query the customer resource library to authenticate the customer, and after successful authentication, determine that the mobile phone number is a credible mobile phone number and obtain the customer's credit card;

[0099] The credit card authority determination module 403 is used to perform risk analysis on the obtained credit card according to the credit card application and determine the authority of the credit card;

[0100] The trusted mobile phone number database update module 404 is used to send the newly added trusted mobile phone numbers in batches to the trusted mobile phone number database of the 5G message processing node at a preset time point;

[0101] The risk identification module 405 is used to perceive and identify the risks of credit cards in real time during the process of using credit cards by customers, based on the credit card abnormal change scenario information accumulated by the bank and the real-time monitoring of the user's credit card operation activity;

[0102] The risk control module 406 is used to perform risk control according to the risk identification result and the corresponding risk control strategy.

[0103] In one embodiment, the credit card obtaining module 402 is specifically used to:

[0104] If the mobile phone number is judged to be a credible mobile phone number, compare the mobile phone number with the mobile phone number reserved in the bank;

[0105] If the comparison is consistent, it is determined that the customer is a bank customer, and the credit card corresponding to the mobile phone number is queried;

[0106] If the comparison is inconsistent, it is determined that the customer is not a bank customer and a new credit card is generated for the customer.

[0107] In one embodiment, the 5G message processing node is further used for:

[0108] Perform real-name identity authentication on the customer's mobile phone number based on the customer's ID and biometrics. If the authentication is passed, the customer's mobile phone number is determined to be a trusted mobile phone number. Otherwise, the customer's mobile phone number is determined to be an untrusted mobile phone number.

[0109] Add the trusted mobile phone number to the trusted mobile phone number database.

[0110] In one embodiment, the customer resource library is an interbank bank database;

[0111] The credit card obtaining module 402 is specifically used for:

[0112] Check whether there is customer information corresponding to the mobile phone number in the customer resource library;

[0113] If it exists, the customer's identity is compared with the customer information corresponding to the queried mobile phone number. If the comparison is successful, the identity verification is determined to be successful;

[0114] If it does not exist, call the identity authentication interface to perform real-name identity authentication on the customer, and add the customer information of the successfully authenticated customer to the interbank database.

[0115] In one embodiment, the credit card authority determination module 403 is specifically used to:

[0116] Determine the current verification form according to the current environmental conditions and security requirements, wherein the verification forms include high-risk verification, medium-risk verification and low-risk verification, wherein the high-risk verification includes password verification and / or physical medium verification, the medium-risk verification includes at least one of face recognition, voice verification and video verification; and the low-risk verification includes SMS verification;

[0117] Verify the customer using the customer information from the current verification form and credit card application;

[0118] If the verification is successful, the credit card authority is determined to be the business authority corresponding to the current verification form;

[0119] If the verification fails, the credit card permissions are determined to be the preset basic permissions.

[0120] In one embodiment, the credit card authority determination module 403 is specifically used to:

[0121] A risk analysis is performed based on the risk identifiers added to the credit card application and mobile phone number to determine the credit card permissions. The risk identifier is added after the 5G message processing node monitors the risk events of the customer corresponding to each mobile phone number.

[0122] In one embodiment, the information receiving module 401 is further used to:

[0123] Receive the credit card agency application and the mobile phone number trust judgment result sent by the 5G message processing node, the credit card application is sent by the 5G client through the agent's mobile phone number, the mobile phone number trust judgment result is sent by the 5G message processing node after judging whether the agent's mobile phone number and the applicant's mobile phone number in the credit card agency application are trustworthy mobile phone numbers through the trusted mobile phone number database, and the credit card agency application includes the applicant's customer information and the agent's customer information;

[0124] The credit card obtaining module 402 is also used for: if the result of the mobile phone number judgment is that both the mobile phone number of the applicant and the mobile phone number of the agent are credible mobile phone numbers, querying the relationship between the agent and the applicant, and after determining that they are relatives, generating a new credit card for the applicant through the mobile phone number of the agent and the mobile phone number of the applicant; if the result of the mobile phone number judgment is that the mobile phone number of the applicant or the mobile phone number of the agent is not credible, querying the relationship between the agent and the applicant, and after determining that they are relatives, querying the customer resource library to authenticate the identity of the agent and the applicant, and after both are successfully authenticated, generating a new credit card for the applicant through the mobile phone number of the agent and the mobile phone number of the applicant;

[0125] The risk identification module 405 is also used to: perform risk analysis based on the credit card agency application, perform risk analysis on the obtained credit cards, and determine the authority of the credit cards.

[0126] In one embodiment, the risk identification module 405 is further used to:

[0127] Extract the first keyword from the credit card abnormal change scenario information accumulated by the bank;

[0128] Extract the second keyword of the user's activity on credit card operations;

[0129] The first keyword and the second keyword are input into the risk identification model to obtain a risk identification result.

[0130] In one embodiment, the risk identification module 405 is further used to:

[0131] Conduct effectiveness evaluation on risk control results;

[0132] According to the effectiveness evaluation results, risk data is mined, and the mined risk data is used to update the risk identification model.

[0133] In one embodiment, a loss reporting module is further included, which is used to:

[0134] Receive the report loss application and the customer information after identity verification sent by the 5G message processing node, wherein the report loss application is sent by the 5G client to the 5G message processing node via the mobile phone number, wherein the 5G message processing node obtains the real-name identity verification information corresponding to the mobile phone number, and when the real-name identity verification information successfully matches the customer information in the report loss application, it is determined that the customer's identity verification is successful;

[0135] Query the credit card's associated accounts based on the loss report application and customer information after identity verification;

[0136] Delete the credit card information in the associated account;

[0137] Report loss of credit card;

[0138] The loss report result is sent to the 5G client.

[0139] To sum up, in the method and device proposed in the embodiment of the present invention, the 5G message processing node can judge the trusted mobile phone number, that is, determine that the customer identity is trustworthy, thereby reducing the verification burden of the bank node. If the bank node judges that the mobile phone number is a trusted mobile phone number, it obtains the customer's credit card; if the mobile phone number is judged as an untrustworthy mobile phone number, the customer resource library is queried to authenticate the customer's identity. After the verification is successful, the mobile phone number is determined to be a trusted mobile phone number, and the customer's credit card is obtained; in this way, the authority of the credit card can be directly determined after a comprehensive risk analysis; in addition, the embodiment of the present invention can perform real-time risk perception and identification of the credit card through the bank's accumulated credit card abnormal change scenario information and real-time monitoring of the user's credit card operation activity during the customer's use of the credit card; thereby performing risk control according to the corresponding risk control strategy, and the data security and reliability are good throughout the process.

[0140] 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 credit card management method based on 5G messages is implemented.

[0141] 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 credit card management method based on 5G messages.

[0142] 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 credit card management method based on 5G messages.

[0143] 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.

[0144] 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.

[0145] 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.

[0146] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0147] 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 credit card management method based on 5G messages, characterized in that: Applied to bank nodes, including: Receive a credit card application and a mobile phone number trust judgment result sent by a 5G message processing node, wherein the credit card application is sent by a 5G client to the 5G message processing node via a mobile phone number, and the mobile phone number trust judgment result is sent by the 5G message processing node after the 5G message processing node determines whether the mobile phone number is a trustworthy mobile phone number through a trusted mobile phone number database, and the credit card application includes customer information; If the mobile phone number is judged to be a credible mobile phone number, obtain the customer's credit card; If the mobile phone number is judged as untrustworthy, the customer resource library is queried to authenticate the customer. After successful verification, the mobile phone number is determined to be a trustworthy number, and the customer's credit card is obtained; Based on the credit card application, conduct risk analysis on the credit cards obtained and determine the credit card authority; Send the newly added trusted mobile phone numbers in batches to the trusted mobile phone number database of the 5G message processing node at a preset time point; When customers use their credit cards, the bank collects information about abnormal changes in credit card scenarios, monitors the user's activeness in credit card operations in real time, and conducts real-time risk perception and identification of credit cards. Based on the risk identification results, risk control is carried out according to the corresponding risk control strategies.

2. The method according to claim 1, characterized in that If the mobile phone number is a trusted number, obtain the customer's credit card, including: If the mobile phone number is judged to be a credible mobile phone number, compare the mobile phone number with the mobile phone number reserved in the bank; If the comparison is consistent, it is determined that the customer is a bank customer, and the credit card corresponding to the mobile phone number is queried; If the comparison is inconsistent, it is determined that the customer is not a bank customer and a new credit card is generated for the customer.

3. The method according to claim 1, characterized in that Also includes: Perform real-name identity authentication on the customer's mobile phone number based on the customer's ID and biometrics. If the authentication is passed, the customer's mobile phone number is determined to be a trusted mobile phone number. Otherwise, the customer's mobile phone number is determined to be an untrusted mobile phone number. Add the trusted mobile phone number to the trusted mobile phone number database.

4. The method according to claim 1, characterized in that The customer resource library is an interbank bank database; Query the customer resource library to authenticate the customer, including: Check whether there is customer information corresponding to the mobile phone number in the customer resource library; If it exists, the customer's identity is compared with the customer information corresponding to the queried mobile phone number. If the comparison is successful, the identity verification is determined to be successful; If it does not exist, call the identity authentication interface to perform real-name identity authentication on the customer, and add the customer information of the successfully authenticated customer to the interbank database.

5. The method according to claim 1, characterized in that Based on the credit card application, we conduct risk analysis on the credit cards obtained and determine the credit card authority, including: Determine the current verification form according to the current environmental conditions and security requirements, wherein the verification forms include high-risk verification, medium-risk verification and low-risk verification, wherein the high-risk verification includes password verification and / or physical medium verification, the medium-risk verification includes at least one of face recognition, voice verification and video verification; and the low-risk verification includes SMS verification; Verify the customer using the customer information from the current verification form and credit card application; If the verification is successful, the credit card authority is determined to be the business authority corresponding to the current verification form; If the verification fails, the credit card permissions are determined to be the preset basic permissions.

6. The method according to claim 1, characterized in that Also includes: A risk analysis is performed based on the risk identifiers added to the credit card application and mobile phone number to determine the credit card permissions. The risk identifier is added after the 5G message processing node monitors the risk events of the customer corresponding to each mobile phone number.

7. The method according to claim 1, characterized in that Also includes: Receive the credit card agency application and the mobile phone number trust judgment result sent by the 5G message processing node, the credit card application is sent by the 5G client through the agent's mobile phone number, the mobile phone number trust judgment result is sent by the 5G message processing node after judging whether the agent's mobile phone number and the applicant's mobile phone number in the credit card agency application are trustworthy mobile phone numbers through the trusted mobile phone number database, and the credit card agency application includes the applicant's customer information and the agent's customer information; If the result of the mobile phone number judgment is that both the applicant's mobile phone number and the agent's mobile phone number are credible, the relationship between the agent and the applicant is checked. After confirming that they are relatives, a new credit card is generated for the applicant using the agent's mobile phone number and the applicant's mobile phone number; If the result of the mobile phone number judgment is that the mobile phone number of the applicant or the agent is untrustworthy, the relationship between the agent and the applicant is checked. After confirming that they are relatives, the customer resource library is queried to authenticate the identity of the agent and the applicant. After both are successfully authenticated, a new credit card is generated for the applicant using the mobile phone number of the agent and the applicant; Conduct risk analysis based on credit card agency applications, conduct risk analysis on obtained credit cards, and determine the authority of the credit card.

8. The method according to claim 1, characterized in that Through the bank's accumulated information on abnormal changes in credit card scenarios, real-time monitoring of users' credit card operation activity, and real-time risk perception and identification of credit cards, including: Extract the first keyword from the credit card abnormal change scenario information accumulated by the bank; Extract the second keyword of the user's activity on credit card operations; The first keyword and the second keyword are input into the risk identification model to obtain a risk identification result.

9. The method according to claim 8, characterized in that Also includes: Conduct effectiveness evaluation on risk control results; According to the effectiveness evaluation results, risk data is mined, and the mined risk data is used to update the risk identification model.

10. The method according to claim 1, characterized in that Also includes: Receive the report loss application and the customer information after identity verification sent by the 5G message processing node, wherein the report loss application is sent by the 5G client to the 5G message processing node via the mobile phone number, wherein the 5G message processing node obtains the real-name identity verification information corresponding to the mobile phone number, and when the real-name identity verification information successfully matches the customer information in the report loss application, it is determined that the customer's identity verification is successful; Query the credit card's associated accounts based on the loss report application and customer information after identity verification; Delete the credit card information in the associated account; Report loss of credit card; The loss report result is sent to the 5G client.

11. A credit card management device based on 5G messages, characterized in that: Applied to bank nodes, including: An information receiving module is used to receive a credit card application and a mobile phone number trust judgment result sent by a 5G message processing node. The credit card application is sent by a 5G client to the 5G message processing node via a mobile phone number. The mobile phone number trust judgment result is sent by the 5G message processing node after the 5G message processing node determines whether the mobile phone number is a trustworthy mobile phone number through a trusted mobile phone number database. The credit card application includes customer information; The credit card acquisition module is used to obtain the customer's credit card if the mobile phone number is judged to be a trusted mobile phone number; if the mobile phone number is judged to be an untrusted mobile phone number, the customer resource library is queried to authenticate the customer. After successful verification, the mobile phone number is determined to be a trusted mobile phone number and the customer's credit card is obtained; The credit card authority determination module is used to perform risk analysis on the credit cards obtained based on the credit card application and determine the authority of the credit card; A trusted mobile phone number database update module is used to send the newly added trusted mobile phone numbers in batches to the trusted mobile phone number database of the 5G message processing node at a preset time point; The risk identification module is used to perceive and identify the risks of credit cards in real time during the process of customers using credit cards, based on the bank's accumulated information on abnormal changes in credit card operations and the real-time monitoring of users' credit card operations; The risk control module is used to perform risk control according to the corresponding risk control strategies based on the risk identification results.

12. 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 10 is implemented.

13. 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 10 is implemented.

14. 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 10 is implemented.

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