Vein payment method and device based on 5G message

Abstract

The invention discloses a vein payment method and device based on a 5G message, and relates to the field of 5G technology and finance, and the method comprises the steps: receiving a vein payment request sent by a user through the 5G message; acquiring user real-name authentication information from an operator system, and performing identity authentication on the user identity information by using the user real-name authentication information; after the identity verification is passed, obtaining an operator vein security certificate corresponding to the user mobile phone number from an operator system according to the user mobile phone number; verifying an operator vein security certificate corresponding to the user mobile phone number; after the verification is passed, the transaction information is sent to a bank server, so that the bank server carries out transaction processing according to the transaction information, and a transaction processing result is obtained; receiving a transaction processing result fed back by the bank server; and feeding back a transaction processing result to the user through a 5G message. According to the invention, the cost of vein payment can be reduced, and the accuracy and stability of vein payment are improved.

Description

Technical Field

[0001] The present invention relates to the technical field of 5G and the financial field, and in particular to a vein payment method and device based on 5G messages. Background Art

[0002] This section aims to provide background or context for embodiments of the present invention. The description herein is not admitted to be prior art merely by virtue of being included in this section.

[0003] With the continuous development of technology and the improvement of people's living standards, transaction payment methods are becoming more and more diverse. As a safe and convenient payment method, vein payment has gradually become one of the mainstream payment methods.

[0004] Since vein payment requires the payment device to have a vein collection function to enable user identity authentication and payment authorization, the cost of existing vein payment is relatively high. In the case where the payment device does not have a vein collection function, vein payment cannot be realized; moreover, in the case where the payment device is affected by factors such as environmental interference and hand contamination, the accuracy and stability of payment may be affected. Summary of the Invention

[0005] Embodiments of the present invention provide a vein payment method based on 5G messages to reduce the cost of vein payment and improve the accuracy and stability of vein payment. The method includes:

[0006] Receiving a vein payment request sent by a user through a 5G message; the vein payment request includes user identity information, user mobile phone number, and transaction information;

[0007] According to the user mobile phone number, obtaining user real-name authentication information from the operator system, and using the user real-name authentication information to authenticate the user identity information;

[0008] After the identity authentication is passed, obtaining the operator vein security certificate corresponding to the user mobile phone number from the operator system according to the user mobile phone number;

[0009] Verifying the operator vein security certificate corresponding to the user mobile phone number;

[0010] After the verification is passed, sending the transaction information to the bank server so that the bank server processes the transaction according to the transaction information to obtain a transaction processing result;

[0011] Receiving the transaction processing result feedback by the bank server;

[0012] ]Sending the transaction processing result back to the user through a 5G message.

[0013] An embodiment of the present invention also provides a vein payment device based on 5G messaging, which is used to reduce the cost of vein payment and improve the accuracy and stability of vein payment. The device includes:

[0014] A first receiving module, configured to receive a vein payment request sent by a user through 5G messaging; the vein payment request includes user identity information, the user's mobile phone number, and transaction information;

[0015] An identity authentication module, configured to obtain the user's real-name authentication information from the operator system according to the user's mobile phone number, and use the user's real-name authentication information to authenticate the user identity information;

[0016] A certificate acquisition module, configured to, after the identity authentication is passed, obtain the operator vein security certificate corresponding to the user's mobile phone number from the operator system according to the user's mobile phone number;

[0017] A certificate verification module, configured to verify the operator vein security certificate corresponding to the user's mobile phone number;

[0018] A first sending module, configured to, after the verification is passed, send the transaction information to the bank server, so that the bank server processes the transaction according to the transaction information to obtain a transaction processing result;

[0019] A second receiving module, configured to receive the transaction processing result fed back by the bank server;

[0020] A second sending module, configured to feedback the transaction processing result to the user through 5G messaging.

[0021] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the computer program, the above-mentioned vein payment method based on 5G messaging is implemented.

[0022] An embodiment of the present invention also provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the above-mentioned vein payment method based on 5G messaging is implemented.

[0023] An embodiment of the present invention also provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the above-mentioned vein payment method based on 5G messaging is implemented.

[0024] In an embodiment of the present invention, a venous payment request sent by a user through a 5G message is received; the venous payment request includes user identity information, the user's mobile phone number, and transaction information; according to the user's mobile phone number, user real-name authentication information is obtained from the operator system, and the user identity information is authenticated using the user real-name authentication information; after the identity authentication is passed, according to the user's mobile phone number, the operator venous security certificate corresponding to the user's mobile phone number is obtained from the operator system; the operator venous security certificate corresponding to the user's mobile phone number is verified; after the verification is passed, the transaction information is sent to the bank server so that the bank server processes the transaction according to the transaction information to obtain a transaction processing result; the transaction processing result feedback by the bank server is received; and the transaction processing result is fed back to the user through a 5G message. Compared with the venous payment solution in the prior art, the embodiment of the present invention realizes the circulation of venous payment information based on 5G messages, performs security authentication for venous payment by pre-storing the operator venous security certificate corresponding to the user's mobile phone number in the operator system, and can realize venous payment even when the payment device does not have a venous collection function, reducing the cost of venous payment; at the same time, it avoids the influence of factors such as environmental interference and hand contamination on the payment device, thereby improving the accuracy and stability of venous payment. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings required for use in the description of the embodiments or the prior art. Obviously, the following drawings are only some embodiments of the present invention. For those of ordinary skill in the art, without creative efforts, other drawings can be obtained based on these drawings. In the drawings:

[0026] Figure 1 It is a flowchart of a venous payment method based on 5G messages provided in an embodiment of the present invention;

[0027] Figure 2 It is a flowchart of a method for generating an operator venous security certificate provided in an embodiment of the present invention;

[0028] Figure 3 It is a schematic diagram of a venous payment device based on 5G messages provided in an embodiment of the present invention;

[0029] Figure 4 It is a schematic diagram of another venous payment device based on 5G messages provided in an embodiment of the present invention;

[0030] Figure 5 It is a schematic diagram of a computer device provided in an embodiment of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0031] To make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer and more understandable, the following further elaborates on the embodiments of the present invention with reference to the accompanying drawings. Herein, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but not to limit the present invention.

[0032] In the description of this specification, the terms "comprising", "including", "having", "containing", etc. are all open-ended terms, meaning including but not limited to. The description with reference to terms such as "an embodiment", "a specific embodiment", "some embodiments", "for example", etc. means that the specific features, structures, or characteristics described in connection with the embodiment or example are included in at least one embodiment or example of the present application. In this specification, the illustrative expressions of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, or characteristics described can be combined in a suitable manner in any one or more embodiments or examples. The order of steps involved in each embodiment is used to schematically illustrate the implementation of the present application, and the order of steps is not limited and can be adjusted appropriately as needed.

[0033] The information collected in the technical solution of the present application is information and data authorized by the user or fully authorized by all parties. Moreover, for the processing of relevant data such as collection, storage, use, processing, transmission, provision, disclosure, and application, all comply with the relevant laws, regulations, and standards of relevant countries and regions, necessary confidentiality measures are taken, it does not violate public order and good customs, and a corresponding operation entry is provided for the user to choose to authorize or reject.

[0034] Through research, it is found that the existing cost of venous payment is relatively high. Without the function of venous collection in the payment device, venous payment cannot be achieved. Moreover, in the case where the payment device is affected by factors such as environmental interference and hand contamination, it may affect the accuracy and stability of payment.

[0035] In response to the above research, the embodiments of the present invention provide a venous payment method and device based on 5G messaging, which can reduce the cost of venous payment and improve the accuracy and stability of venous payment.

[0036] As Figure 1 shown, it is a flowchart of a venous payment method based on 5G messaging provided by the embodiments of the present invention, and the method may include the following steps:

[0037] Step 101, receiving a venous payment request sent by the user through 5G messaging; the venous payment request includes user identity information, user mobile phone number, and transaction information;

[0038] Step 102, obtaining user real-name authentication information from the operator system according to the user mobile phone number, and using the user real-name authentication information to authenticate the user identity information;

[0039] Step 103, after the authentication is passed, obtain the operator's vein security certificate corresponding to the user's mobile phone number from the operator system according to the user's mobile phone number;

[0040] Step 104, verify the operator's vein security certificate corresponding to the user's mobile phone number;

[0041] Step 105, after the verification is passed, send the transaction information to the bank server so that the bank server processes the transaction according to the transaction information to obtain a transaction processing result;

[0042] Step 106, receive the transaction processing result feedback by the bank server;

[0043] Step 107, feedback the transaction processing result to the user via 5G message.

[0044] In the embodiment of the present invention, receive a vein payment request sent by the user via 5G message; the vein payment request includes user identity information, the user's mobile phone number, and transaction information; obtain the user's real-name authentication information from the operator system according to the user's mobile phone number, and use the user's real-name authentication information to authenticate the user identity information; after the authentication is passed, obtain the operator's vein security certificate corresponding to the user's mobile phone number from the operator system according to the user's mobile phone number; verify the operator's vein security certificate corresponding to the user's mobile phone number; after the verification is passed, send the transaction information to the bank server so that the bank server processes the transaction according to the transaction information to obtain a transaction processing result; receive the transaction processing result feedback by the bank server; feedback the transaction processing result to the user via 5G message. Compared with the vein payment solution in the prior art, the embodiment of the present invention realizes the transfer of vein payment information based on 5G message, and performs security authentication for vein payment by pre-storing the operator's vein security certificate corresponding to the user's mobile phone number in the operator system. In the case that the payment device does not have a vein collection function, vein payment can also be realized, reducing the cost of vein payment; at the same time, it avoids the influence of factors such as environmental interference and hand contamination on the payment device, thereby improving the accuracy and stability of vein payment.

[0045] Next, Figure 1 the vein payment method based on 5G message shown below will be introduced in detail.

[0046] The above-mentioned vein payment method based on 5G message can be applied to a 5G message processing platform.

[0047] In the above step 101, when the user conducts a transaction, a vein payment request can be initiated via 5G message. Among them, the vein payment request includes user identity information, the user's mobile phone number, and transaction information.

[0048] In specific implementation, the user identity information may be information such as the user's name and ID number entered by the user on the 5G message page; the transaction information may include information such as the transaction amount, payee, and payer.

[0049] In step 102 above, after receiving the venous payment request sent by the user, the 5G message processing platform may obtain the user's real-name authentication information from the operator system according to the user's mobile phone number, and use the user's real-name authentication information to authenticate the user identity information.

[0050] In specific implementation, when handling the mobile phone number, the user needs to provide the user identity information, and the operator needs to authenticate the user's identity information. Therefore, the user's real-name authentication information stored in the operator system can be used to authenticate the user identity information, improving the efficiency of identity authentication.

[0051] In step 103 above, after the identity authentication is passed, the operator venous security certificate corresponding to the user's mobile phone number can be obtained from the operator system according to the user's mobile phone number.

[0052] In specific implementation, the operator venous security certificate is generated after the user enables the venous payment permission.

[0053] In one embodiment, before step 103 above, it may further include:

[0054] Query the user venous association protocol according to the user's mobile phone number; the user venous association protocol is used to indicate that the user has enabled the venous payment permission;

[0055] Step 103 above may specifically include:

[0056] In the case of querying the user venous association protocol, obtain the operator venous security certificate corresponding to the user's mobile phone number from the operator system according to the user's mobile phone number.

[0057] In specific implementation, before the 5G message processing platform obtains the operator venous security certificate, first, it is necessary to query whether there is a user venous association protocol according to the user's mobile phone number. The user venous association protocol is a protocol generated when the user enables the venous payment permission. If the user venous association protocol is queried, it means that the user has enabled the venous payment permission; if the user venous association protocol is not queried, it means that the user has not enabled the venous payment permission. At this time, the user can be reminded to select other payment methods.

[0058] In one embodiment, before step 101 above, as Figure 2 shown, the operator venous security certificate can be generated by the following method:

[0059] Step 201: Receive the venous collection request sent by the user via 5G message. The venous collection request includes the venous collection device ID and the user's mobile phone number.

[0060] Step 202: Obtain the user's real-name authentication information corresponding to the user's mobile phone number from the operator system according to the user's mobile phone number.

[0061] Step 203: Send the user's real-name authentication information corresponding to the user's mobile phone number and the venous collection device ID to the bank server so that the bank server can verify the user's real-name authentication information corresponding to the user's mobile phone number. After the verification passes, call the venous information collection API interface of the venous collection device manufacturer to obtain the user's venous information from the venous collection device according to the venous collection device ID.

[0062] Step 204: Receive the user's venous information fed back by the bank server.

[0063] Step 205: Call the certificate generation service to generate an operator venous security certificate according to the user's venous information, the user's mobile phone number, the venous collection device ID, and the user's real-name authentication information.

[0064] Step 206: After associating the user's mobile phone number with the operator venous security certificate, store it in the operator system.

[0065] Specifically, when the user enables the venous payment permission at the bank, an operator venous security certificate can be generated. First, the user can enter the venous information through the venous collection device provided by the bank. After the user enters the venous information, the 5G message processing platform cannot directly obtain the user's venous information. Therefore, the user can initiate a venous collection request by scanning a QR code with a 5G mobile device or other means. The venous collection request can include the venous collection device ID and the user's mobile phone number. The 5G message processing platform obtains the user's real-name authentication information corresponding to the user's mobile phone number from the operator system and sends the user's real-name authentication information corresponding to the user's mobile phone number and the venous collection device ID to the bank server. In this way, after the bank server verifies the user's real-name authentication information corresponding to the user's mobile phone number and passes the verification, it can call the venous information collection API interface of the venous collection device manufacturer to obtain the user's venous information from the venous collection device according to the venous collection device ID and feedback the user's venous information to the 5G message processing platform. The 5G message processing platform calls the certificate generation service to generate an operator venous security certificate according to the user's venous information, the user's mobile phone number, the venous collection device ID, and the user's real-name authentication information, and after associating the user's mobile phone number with the operator venous security certificate, stores it in the operator system. This facilitates the verification by calling the operator venous security certificate during the transaction.

[0066] In one embodiment, the operator venous security certificate may include the following information:

[0067] Certificate Identifier: Each operator's venous security certificate has a unique digital identifier, indicating the uniqueness and validity of the certificate.

[0068] Certificate Issuing Authority: The operator's venous security certificate is issued by an authorized signature authority. The certificate usually includes information such as the name of the issuing authority and the authority identifier.

[0069] Validity Period: The operator's venous security certificate usually has a validity period, indicating the available time range of the certificate.

[0070] Collected Device Information: The certificate usually carries information such as the name, model, and serial number of the device to confirm the authenticity and security of the device.

[0071] Holder Information: The holder information is to prove the legal and valid identity of the certificate holder, including the matching and integrity of the identity information such as the real name, mobile phone number, and ID number of the certificate holder.

[0072] Encryption Algorithm: The certificate can also include the algorithm and key information for encrypting and decrypting data to ensure the secure transmission of data.

[0073] In one embodiment, after the above step 206, the following steps may further be included:

[0074] Send a request to the user for opening the venous payment permission via 5G message;

[0075] Generate a user venous association protocol in case of receiving the user's feedback agreeing to open the venous payment permission;

[0076] Associate the user's mobile phone number with the user venous association protocol.

[0077] In specific implementation, to further ensure payment security, after associating the user's mobile phone number with the operator's venous security certificate, a request to the user for opening the venous payment permission may also be sent via 5G message; in case of receiving the user's feedback agreeing to open the venous payment permission, a user venous association protocol is generated; and the user's mobile phone number is associated with the user venous association protocol. In this way, even if the operator's venous security certificate has been generated, venous payment can only be carried out after the user's authorization, further ensuring the security during transaction payment.

[0078] In one embodiment, after the above step 204, the following steps may further be included:

[0079] Associate the user's venous information, user's mobile phone number, venous collection device ID, and user real-name authentication information to obtain venous association information;

[0080] Send the venous association information to the bank server for storage.

[0081] In specific implementation, after associating the user's vein information, user mobile phone number, vein collection device ID, and user real-name authentication information, the vein association information can be sent to the bank server for storage. In this way, it is convenient for the bank server to perform security verification.

[0082] In the above step 104, the 5G message processing platform can verify the operator vein security certificate corresponding to the user's mobile phone number.

[0083] In specific implementation, the above information included in the operator vein security certificate corresponding to the user's mobile phone number can be verified.

[0084] In one embodiment, the validity period information and holder information of the operator vein security certificate corresponding to the user's mobile phone number can be verified.

[0085] In the above steps 105, 106, and 107, after the 5G message processing platform verifies the operator vein security certificate, the transaction information can be sent to the bank server, so that the bank server performs transaction processing based on the transaction information to obtain a transaction processing result, and feedbacks the transaction processing result to the 5G message processing platform; the 5G message processing platform feedbacks the transaction processing result to the user through 5G messages, and the transaction ends.

[0086] In one embodiment, to further ensure transaction security, after the above step 104, it may further include:

[0087] After the verification passes, the operator vein security certificate corresponding to the user's mobile phone number and the transaction information are sent to the bank server, so that the bank server verifies the operator vein security certificate corresponding to the user's mobile phone number according to the pre-stored vein association information, and after the verification passes, performs transaction processing based on the transaction information to obtain a transaction processing result.

[0088] In specific implementation, after the 5G message processing platform verifies the operator vein security certificate, the operator vein security certificate can also be sent to the bank server for verification; the bank server can verify the operator vein security certificate corresponding to the user's mobile phone number according to the pre-stored vein association information, and after the verification passes, performs transaction processing based on the transaction information to obtain a transaction processing result.

[0089] In this way, through the double verification of the operator vein security certificate by the bank server and the 5G message processing platform, the security and authenticity of the operator vein security certificate can be further ensured, thereby ensuring transaction security.

[0090] In an embodiment of the present invention, a vein payment device based on 5G messages is further provided, as described in the following embodiments. Since the principle of this device for solving problems is similar to that of the vein payment method based on 5G messages, the implementation of this device can refer to the implementation of the vein payment method based on 5G messages, and the repeated parts will not be elaborated.

[0091] As Figure 3 shown, it is a schematic diagram of a vein payment device based on 5G messages provided by an embodiment of the present invention. This device is applied to a 5G message processing platform, and this device may include:

[0092] A first receiving module 301, configured to receive a vein payment request sent by a user through 5G messages; the vein payment request includes user identity information, the user's mobile phone number, and transaction information;

[0093] An identity authentication module 302, configured to obtain user real-name authentication information from the operator system according to the user's mobile phone number, and use the user real-name authentication information to authenticate the user identity information;

[0094] A certificate acquisition module 303, configured to, after the identity authentication is passed, obtain the operator vein security certificate corresponding to the user's mobile phone number from the operator system according to the user's mobile phone number;

[0095] A certificate verification module 304, configured to verify the operator vein security certificate corresponding to the user's mobile phone number;

[0096] A first sending module 305, configured to, after the verification is passed, send the transaction information to the bank server, so that the bank server processes the transaction according to the transaction information to obtain a transaction processing result;

[0097] A second receiving module 306, configured to receive the transaction processing result fed back by the bank server;

[0098] A second sending module 307, configured to feedback the transaction processing result to the user through 5G messages.

[0099] In one embodiment, it may further include a protocol query module, configured to, before the certificate acquisition module 303 obtains the operator vein security certificate corresponding to the user's mobile phone number from the operator system according to the user's mobile phone number:

[0100] Query the user vein association protocol according to the user's mobile phone number; the user vein association protocol is used to indicate that the user has opened the vein payment permission;

[0101] The certificate acquisition module 303 may specifically be configured to:

[0102] In the case where the user vein association protocol is queried, obtain the operator vein security certificate corresponding to the user's mobile phone number from the operator system according to the user's mobile phone number.

[0103] In one embodiment, the certificate verification module 304 can specifically be used for:

[0104] Verify the validity period information and holder information of the operator venous security certificate corresponding to the user's mobile phone number.

[0105] In one embodiment, as Figure 4 shown, the device may further include a certificate generation module 401 for:

[0106] Receive a venous collection request sent by the user through a 5G message; the venous collection request includes a venous collection device ID and the user's mobile phone number;

[0107] According to the user's mobile phone number, obtain the user's real-name authentication information corresponding to the user's mobile phone number from the operator system;

[0108] Send the user's real-name authentication information corresponding to the user's mobile phone number and the venous collection device ID to the bank server so that the bank server verifies the user's real-name authentication information corresponding to the user's mobile phone number; after the verification passes, call the venous information collection API interface of the venous collection device manufacturer, and obtain the user's venous information from the venous collection device according to the venous collection device ID;

[0109] Receive the user's venous information fed back by the bank server;

[0110] Call the certificate generation service, and generate an operator venous security certificate according to the user's venous information, the user's mobile phone number, the venous collection device ID, and the user's real-name authentication information;

[0111] After associating the user's mobile phone number with the operator venous security certificate, store it in the operator system.

[0112] In one embodiment, the certificate generation module 401 may further include:

[0113] Associate the user's venous information, the user's mobile phone number, the venous collection device ID, and the user's real-name authentication information to obtain venous association information;

[0114] Send the venous association information to the bank server for storage.

[0115] In one embodiment, the first sending module 305 is further used for:

[0116] After the verification passes, send the operator venous security certificate corresponding to the user's mobile phone number and the transaction information to the bank server so that the bank server verifies the operator venous security certificate corresponding to the user's mobile phone number according to the pre-stored venous association information, and after the verification passes, perform transaction processing according to the transaction information to obtain a transaction processing result.

[0117] It should be noted that although several modules of the venous payment device based on 5G messages are mentioned in the above detailed description, this division is merely exemplary and not mandatory. In fact, according to the embodiments of the present invention, the features and functions of two or more of the above-described modules can be embodied in one module. Conversely, the features and functions of one module described above can be further divided and embodied by multiple modules.

[0118] It should be noted that the venous payment method and device based on 5G messages provided by the embodiments of the present invention can be used in the financial field and can also be used in any technical field other than the financial field. The embodiments of the present invention do not limit the application fields of the venous payment method and device based on 5G messages.

[0119] The embodiments of the present invention also provide a computer device, Figure 5 which is a schematic diagram of the computer device in the embodiments of the present invention. The computer device 500 includes a memory 510, a processor 520, and a computer program 530 stored on the memory 510 and executable on the processor 520. When the processor 520 executes the computer program 530, the above-described venous payment method based on 5G messages is implemented.

[0120] The embodiments of the present invention also provide a computer-readable storage medium storing a computer program, and when the computer program is executed by a processor, the above-described venous payment method based on 5G messages is implemented.

[0121] The embodiments of the present invention also provide a computer program product including a computer program, and when the computer program is executed by a processor, the above-described venous payment method based on 5G messages is implemented.

[0122] In an embodiment of the present invention, a venous payment request sent by a user through a 5G message is received; the venous payment request includes user identity information, the user's mobile phone number, and transaction information; according to the user's mobile phone number, user real-name authentication information is obtained from the operator system, and the user identity information is authenticated using the user real-name authentication information; after the identity authentication is passed, according to the user's mobile phone number, the operator venous security certificate corresponding to the user's mobile phone number is obtained from the operator system; the operator venous security certificate corresponding to the user's mobile phone number is verified; after the verification is passed, the transaction information is sent to the bank server so that the bank server processes the transaction according to the transaction information to obtain a transaction processing result; the transaction processing result fed back by the bank server is received; and the transaction processing result is fed back to the user through a 5G message. Compared with the venous payment scheme in the prior art, the embodiment of the present invention realizes the circulation of venous payment information based on 5G messages, performs security authentication for venous payment by pre-storing the operator venous security certificate corresponding to the user's mobile phone number in the operator system, and can realize venous payment even when the payment device does not have a venous collection function, reducing the cost of venous payment; at the same time, it avoids the influence of factors such as environmental interference and hand contamination on the payment device, thereby improving the accuracy and stability of venous payment.

[0123] Those skilled in the art should understand that the embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention can 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.

[0124] The present invention is described with reference to the flowcharts and / or block diagrams of methods, apparatuses (systems), and computer program products according to embodiments of the present invention. It should be understood that each flow and / or block in the flowchart and / or block diagram, and the combination of flows and / or blocks in the flowchart and / or block diagram, can be realized by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing devices to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing devices generate means for realizing the functions specified in one Figure 1 one process or multiple processes and / or blocks Figure 1 one block or multiple blocks.

[0125] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to operate in a particular manner, such that the instructions stored in the computer-readable memory produce a manufacture including an instruction means that implements the functions specified in one or more of the processes and / or blocks Figure 1 in one or more of the processes and / or blocks Figure 1 specified in the block or blocks.

[0126] These computer program instructions can also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process, thereby providing steps for implementing the functions specified in one or more of the processes and / or blocks Figure 1 in one or more of the processes and / or blocks Figure 1 specified in the block or blocks.

[0127] The specific embodiments described above further elaborate on the objectives, technical solutions, and beneficial effects of the present invention. It should be understood that the above descriptions are only specific embodiments of the present invention and are not intended to limit the protection scope of the present invention. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present invention should be included within the protection scope of the present invention.

Claims

1. A vein payment method based on 5G messaging, characterized in that, Including: Receiving a venous payment request sent by the user via 5G message; the venous payment request includes user identity information, the user's mobile phone number, and transaction information; According to the user's mobile phone number, obtaining the user's real-name authentication information from the operator system, and using the user's real-name authentication information to authenticate the user identity information; After the identity authentication is passed, according to the user's mobile phone number, obtaining the operator venous security certificate corresponding to the user's mobile phone number from the operator system; Verifying the operator venous security certificate corresponding to the user's mobile phone number; After the verification is passed, sending the transaction information to the bank server so that the bank server processes the transaction according to the transaction information and obtains a transaction processing result; Receiving the transaction processing result fed back by the bank server; Feeding back the transaction processing result to the user via 5G message.

2. The method according to claim 1, wherein Before obtaining the operator venous security certificate corresponding to the user's mobile phone number from the operator system, it further includes: Querying the user venous association protocol according to the user's mobile phone number; the user venous association protocol is used to indicate that the user has enabled the venous payment permission; Obtaining the operator venous security certificate corresponding to the user's mobile phone number from the operator system according to the user's mobile phone number, including: In the case where the user venous association protocol is queried, obtaining the operator venous security certificate corresponding to the user's mobile phone number from the operator system according to the user's mobile phone number.

3. The method according to claim 1, characterized in that Verifying the operator venous security certificate corresponding to the user's mobile phone number, including: Verifying the validity period information and holder information of the operator venous security certificate corresponding to the user's mobile phone number.

4. The method according to claim 1, wherein Before receiving the venous payment request sent by the user via 5G message, it further includes: Receiving a venous collection request sent by the user via 5G message; the venous collection request includes the venous collection device ID and the user's mobile phone number; According to the user's mobile phone number, obtaining the user's real-name authentication information corresponding to the user's mobile phone number from the operator system; Sending the user's real-name authentication information corresponding to the user's mobile phone number and the venous collection device ID to the bank server so that the bank server verifies the user's real-name authentication information corresponding to the user's mobile phone number; after the verification is passed, calling the venous information collection API interface of the venous collection device manufacturer, and obtaining the user's venous information from the venous collection device according to the venous collection device ID; Receiving the user's venous information fed back by the bank server; Calling the certificate generation service, and generating an operator venous security certificate according to the user's venous information, the user's mobile phone number, the venous collection device ID, and the user's real-name authentication information; After associating the user's mobile phone number with the operator venous security certificate, storing it in the operator system.

5. The method according to claim 4, wherein After associating the user's mobile phone number with the operator venous security certificate and storing it in the operator system, it further includes: Sending a venous payment permission opening request to the user via 5G message; In the case of receiving the user's feedback agreeing to open the venous payment permission, generating a user venous association protocol; Associating the user's mobile phone number with the user venous association protocol.

6. The method according to claim 4, wherein After receiving the user's venous information fed back by the bank server, it further includes: Associating the user's venous information, the user's mobile phone number, the venous collection device ID, and the user's real-name authentication information to obtain venous association information; Send the vein association information to the bank server for storage.

7. The method according to claim 1, characterized in that After verifying the operator vein security certificate corresponding to the user's mobile phone number, it further includes: After the verification passes, send the operator vein security certificate corresponding to the user's mobile phone number and the transaction information to the bank server, so that the bank server verifies the operator vein security certificate corresponding to the user's mobile phone number according to the pre-stored vein association information. After the verification passes, perform transaction processing according to the transaction information to obtain a transaction processing result.

8. A venous payment device based on 5G messaging, characterized in that, It includes: A first receiving module, configured to receive a vein payment request sent by the user through a 5G message; The vein payment request includes user identity information, the user's mobile phone number, and transaction information; An identity verification module, configured to obtain user real-name authentication information from the operator system according to the user's mobile phone number, and use the user real-name authentication information to verify the user identity information; A certificate acquisition module, configured to, after the identity verification passes, obtain the operator vein security certificate corresponding to the user's mobile phone number from the operator system according to the user's mobile phone number; A certificate verification module, configured to verify the operator vein security certificate corresponding to the user's mobile phone number; A first sending module, configured to, after the verification passes, send the transaction information to the bank server, so that the bank server performs transaction processing according to the transaction information to obtain a transaction processing result; A second receiving module, configured to receive the transaction processing result fed back by the bank server; A second sending module, configured to feedback the transaction processing result to the user through a 5G message.

9. A computer device, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, When the processor executes the computer program, it implements the method according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program, and when the computer program is executed by the processor, it implements the method according to any one of claims 1 to 7.

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