Supermarket shopping settlement method and device based on 5G message

Abstract

The invention discloses a supermarket shopping settlement method and device based on a 5G message, and relates to the 5G technical field and the financial field, and the method comprises the steps: obtaining to-be-settled commodity information and customer information sent by a supermarket background system; payment account information associated with the client mobile phone number is acquired; splicing the payment account information associated with the client mobile phone number and the to-be-settled commodity information with a preset shopping settlement message template to generate a shopping settlement 5G message; sending the shopping settlement 5G message to the customer; after customer confirmation information is received, the target payment account and the to-be-settled commodity information are sent to a payment authentication bank through a 5G message for payment, and then shopping settlement success information is sent to an acquiring bank through a 5G message for acquiring settlement; and then a shopping settlement result is fed back to the customer and the supermarket background system through a 5G message. According to the invention, the transaction security during supermarket shopping settlement can be ensured, and meanwhile, customer information leakage is avoided.

Description

Technical Field

[0001] The present invention relates to the technical field of 5G and the financial field, and particularly to a supermarket shopping settlement method and device based on 5G messages. Background Art

[0002] This section aims to provide background or context for the embodiments of the present invention. The descriptions herein are not admitted to be prior art just because they are included in this section.

[0003] Currently, in order to speed up the checkout process, offline supermarket shopping settlement can be carried out through self-checkout machines. However, this checkout method has the following problems: when making a payment, customers need to enter their payment account and other information on the supermarket's self-checkout machines, which is likely to cause information leakage; and when transmitting information between the bank and the self-checkout machine, since the self-checkout machine belongs to the merchant itself, the transaction security cannot be ensured. Summary of the Invention

[0004] Embodiments of the present invention provide a supermarket shopping settlement method based on 5G messages to ensure the security of transactions during shopping settlement and, at the same time, avoid customer information leakage. This method is applied to a 5G message server and includes:

[0005] Obtain the to-be-settled commodity information and customer information sent by the supermarket back-end system; wherein, the to-be-settled commodity information is obtained by the supermarket back-end system scanning the commodity chips on the shopping cart using a chip scanning device; the customer information is the registration information of the customer in the supermarket back-end system, and the customer information includes the customer's mobile phone number;

[0006] Obtain the payment account information associated with the customer's mobile phone number from the pre-stored payment account information;

[0007] Splice the payment account information associated with the customer's mobile phone number and the to-be-settled commodity information with a preset shopping settlement message template to generate a shopping settlement 5G message;

[0008] Send the shopping settlement 5G message to the customer according to the customer's mobile phone number, so that the customer can select a target payment account from the payment account information associated with the customer's mobile phone number and confirm the to-be-settled commodity information;

[0009] After receiving the target payment account and confirmation information fed back by the customer, send the target payment account and the to-be-settled commodity information to the payment authentication bank corresponding to the target payment account through a 5G message, so that the payment authentication bank can perform shopping settlement according to the target payment account and the to-be-settled commodity information and generate a shopping settlement success message, and the shopping settlement success message includes the target payment account and the settled commodity information;

[0010] After receiving the shopping settlement success information feedback by the payment authentication bank, send the target payment account and the settlement success commodity information to the acquiring bank via 5G message, so that the acquiring bank can conduct acquiring settlement;

[0011] After receiving the acquiring settlement success information of the acquiring bank, feedback the shopping settlement result to the customer and the supermarket back-end system via 5G message.

[0012] An embodiment of the present invention further provides a supermarket shopping settlement device based on 5G message, which is used to ensure the security of transactions during shopping settlement. At the same time, it avoids the leakage of customer information. The device is applied to a 5G message server. The device includes:

[0013] A data acquisition module, which is used to acquire the to-be-settled commodity information and customer information sent by the supermarket back-end system; wherein, the to-be-settled commodity information is obtained by the supermarket back-end system scanning the commodity chips on the shopping cart by using a chip scanning device; the customer information is the registration information of the customer in the supermarket back-end system, and the customer information includes the customer's mobile phone number;

[0014] An account acquisition module, which is used to acquire the payment account information associated with the customer's mobile phone number from the pre-stored payment account information;

[0015] A generation module, which is used to splice the payment account information associated with the customer's mobile phone number and the to-be-settled commodity information with a preset shopping settlement message template to generate a shopping settlement 5G message;

[0016] A first sending module, which is used to send the shopping settlement 5G message to the customer according to the customer's mobile phone number, so that the customer can select a target payment account from the payment account information associated with the customer's mobile phone number and confirm the to-be-settled commodity information;

[0017] A second sending module, which is used to send the target payment account and the to-be-settled commodity information to the payment authentication bank corresponding to the target payment account via 5G message after receiving the target payment account and the confirmation information fed back by the customer, so that the payment authentication bank can conduct shopping settlement according to the target payment account and the to-be-settled commodity information, and generate a shopping settlement success information, where the shopping settlement success information includes the target payment account and the settlement success commodity information;

[0018] A third sending module, which is used to send the target payment account and the settlement success commodity information to the acquiring bank via 5G message after receiving the shopping settlement success information feedback by the payment authentication bank, so that the acquiring bank can conduct acquiring settlement;

[0019] A fourth sending module, which is used to feedback the shopping settlement result to the customer and the supermarket back-end system via 5G message after receiving the acquiring settlement success information of the acquiring bank.

[0020] An embodiment of the present invention further 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 supermarket shopping settlement method based on 5G messages is implemented.

[0021] An embodiment of the present invention further provides a computer-readable storage medium. The computer-readable storage medium stores a computer program. When the computer program is executed by a processor, the above-mentioned supermarket shopping settlement method based on 5G messages is implemented.

[0022] An embodiment of the present invention further provides a computer program product. The computer program product includes a computer program. When the computer program is executed by a processor, the above-mentioned supermarket shopping settlement method based on 5G messages is implemented.

[0023] In an embodiment of the present invention, the information of the goods to be settled and the customer information sent by the supermarket background system are obtained; wherein, the information of the goods to be settled is obtained by the supermarket background system calling a chip scanning device to scan the product chips on the shopping cart; the customer information is the registration information of the customer in the supermarket background system, and the customer information includes the customer's mobile phone number; from the pre-stored payment account information, the payment account information associated with the customer's mobile phone number is obtained; the payment account information associated with the customer's mobile phone number and the information of the goods to be settled are spliced with a preset shopping settlement message template to generate a shopping settlement 5G message; according to the customer's mobile phone number, the shopping settlement 5G message is sent to the customer, so that the customer can select a target payment account from the payment account information associated with the customer's mobile phone number and confirm the information of the goods to be settled; after receiving the target payment account and the confirmation information fed back by the customer, the target payment account and the information of the goods to be settled are sent to the payment authentication bank corresponding to the target payment account through 5G messages, so that the payment authentication bank can perform shopping settlement according to the target payment account and the information of the goods to be settled and generate a shopping settlement success message, and the shopping settlement success message includes the target payment account and the information of the successfully settled goods; after receiving the shopping settlement success message fed back by the payment authentication bank, the target payment account and the information of the successfully settled goods are sent to the acquiring bank through 5G messages, so that the acquiring bank can perform acquiring settlement; after receiving the acquiring settlement success message of the acquiring bank, the shopping settlement result is fed back to the customer and the supermarket background system through 5G messages.

[0024] Compared with the solution for shopping settlement in offline supermarkets in the prior art, in the embodiments of the present invention, the settlement of supermarket shopping is realized based on 5G messages. First, the supermarket background system can send the information of the goods to be settled and the customer information to the 5G message server. The 5G message server obtains the payment account information associated with the customer's mobile phone number from the pre-stored payment account information, and generates a 5G shopping settlement message based on the payment account information associated with the customer's mobile phone number and the information of the goods to be settled. The 5G shopping settlement message is sent to the customer for confirmation, and the customer selects a payment account. Then, the 5G message server forwards the information to the payment authentication bank and the acquiring bank corresponding to the payment account respectively to realize the shopping settlement. In this way, the security of information transmission during the shopping settlement process can be improved, the leakage of customer information can be avoided, and the security of transactions during shopping settlement can be ensured. 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 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 method for supermarket shopping settlement based on 5G messages provided in the embodiments of the present invention;

[0027] Figure 2 It is a flowchart of another method for supermarket shopping settlement based on 5G messages provided in the embodiments of the present invention;

[0028] Figure 3 It is a flow example diagram of supermarket shopping settlement based on 5G messages provided in the embodiments of the present invention;

[0029] Figure 4 It is a schematic diagram of a device for supermarket shopping settlement based on 5G messages provided in the embodiments of the present invention;

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

[0031] In order to make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer and more understandable, the following will further describe the embodiments of the present invention in detail with reference to the drawings. Here, 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, terms such as "including", "comprising", "having", and "containing" are all open-ended terms, meaning including but not limited to. The description with reference to terms such as "one embodiment", "one specific embodiment", "some embodiments", "for example", etc. means that the specific features, structures, or characteristics described in connection with that embodiment or example are included in at least one embodiment or example of this application. In this specification, the schematic expressions of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, or characteristics described can be combined in a suitable manner in any one or more embodiments or examples. The order of steps involved in each embodiment is used to schematically illustrate the implementation of this 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 this application is information and data authorized by the user or fully authorized by all parties. And for the processing of relevant data such as collection, storage, use, processing, transmission, provision, disclosure, and application, etc., all comply with the relevant laws, regulations, and standards of relevant countries and regions, take necessary confidentiality measures, do not violate public order and good customs, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0034] Through research, it is found that in order to speed up the checkout process, the shopping settlement in offline supermarkets can be carried out through self-checkout machines. However, there are the following problems with this checkout method: When making a payment, the customer needs to input their face, fingerprint information, etc. on the self-checkout machine in the supermarket, which is likely to cause information leakage; and when transmitting information between the bank and the self-checkout machine, since the self-checkout machine belongs to the merchant itself, the transaction security cannot be ensured.

[0035] In response to the above research, the embodiments of the present invention provide a supermarket shopping settlement method and device based on 5G messaging, which can ensure the security of transactions during shopping settlement and, at the same time, avoid customer information leakage.

[0036] As Figure 1 shown, it is a flowchart of a supermarket shopping settlement method based on 5G messaging provided by the embodiments of the present invention. The method may include the following steps:

[0037] Step 101, obtain the to-be-settled commodity information and customer information sent by the supermarket backend system; wherein, the to-be-settled commodity information is obtained by the supermarket backend system scanning the commodity chips on the shopping cart using a chip scanning device; the customer information is the registration information of the customer in the supermarket backend system, and the customer information includes the customer's mobile phone number;

[0038] Step 102, obtain the payment account information associated with the customer's mobile phone number from the pre-stored payment account information;

[0039] Step 103: Concatenate the payment account information associated with the customer's mobile phone number and the information of the goods to be settled with a preset shopping settlement message template to generate a shopping settlement 5G message;

[0040] Step 104: Send the shopping settlement 5G message to the customer according to the customer's mobile phone number, so that the customer can select a target payment account from the payment account information associated with the customer's mobile phone number and confirm the information of the goods to be settled;

[0041] Step 105: After receiving the target payment account and confirmation information feedback by the customer, send the target payment account and the information of the goods to be settled to the payment authentication bank corresponding to the target payment account through a 5G message, so that the payment authentication bank can conduct a shopping settlement based on the target payment account and the information of the goods to be settled and generate a shopping settlement success message;

[0042] Step 106: After receiving the shopping settlement success message feedback by the payment authentication bank, send the shopping settlement success message to the acquiring bank through a 5G message, so that the acquiring bank can conduct an acquiring settlement;

[0043] Step 107: After receiving the acquiring settlement success message of the acquiring bank, feedback the shopping settlement result to the customer and the supermarket back-end system through a 5G message.

[0044] In an embodiment of the present invention, information on goods to be settled and customer information sent by a supermarket back-end system are obtained; wherein, the information on goods to be settled is obtained by the supermarket back-end system by scanning the product chips on the shopping cart using a chip scanning device; the customer information is the registration information of the customer in the supermarket back-end system, and the customer information includes the customer's mobile phone number; from the pre-stored payment account information, the payment account information associated with the customer's mobile phone number is obtained; the payment account information associated with the customer's mobile phone number and the information on goods to be settled are spliced with a preset shopping settlement message template to generate a shopping settlement 5G message; according to the customer's mobile phone number, the shopping settlement 5G message is sent to the customer, so that the customer can select a target payment account from the payment account information associated with the customer's mobile phone number and confirm the information on goods to be settled; after receiving the target payment account and the confirmation information fed back by the customer, the target payment account and the information on goods to be settled are sent to the payment authentication bank corresponding to the target payment account through a 5G message, so that the payment authentication bank can perform shopping settlement according to the target payment account and the information on goods to be settled to generate a shopping settlement success message, and the shopping settlement success message includes the target payment account and the information on successfully settled goods; after receiving the shopping settlement success message fed back by the payment authentication bank, the target payment account and the information on successfully settled goods are sent to the acquiring bank through a 5G message, so that the acquiring bank can perform acquiring settlement; after receiving the acquiring settlement success message of the acquiring bank, the shopping settlement result is fed back to the customer and the supermarket back-end system through a 5G message. Compared with the shopping settlement solution of offline supermarkets in the prior art, the embodiment of the present invention realizes supermarket shopping settlement based on 5G messages. First, the supermarket back-end system can send the information on goods to be settled and customer information to the 5G message server. The 5G message server obtains the payment account information associated with the customer's mobile phone number from the pre-stored payment account information, and generates a shopping settlement 5G message according to the payment account information associated with the customer's mobile phone number and the information on goods to be settled, sends the shopping settlement 5G message to the customer for confirmation, and the customer selects a payment account. Moreover, the 5G message server forwards the information to the payment authentication bank and the acquiring bank corresponding to the payment account respectively to realize shopping settlement. In this way, the security of information transmission in the shopping settlement process can be improved, the leakage of customer information can be avoided, and the security of transactions during shopping settlement can be ensured.

[0045] The following Figure 1 introduces in detail the supermarket shopping settlement method based on 5G messages shown.

[0046] First, in an embodiment of the present invention, before the customer enters the supermarket, the customer can register as a member through the supermarket back-end system or a small program provided by the supermarket. When registering, the customer needs to provide identity information, the customer's mobile phone number, face information, fingerprint information, etc.

[0047] In addition, in order to improve the checkout efficiency and avoid false alarms and missed alarms during checkout, the supermarket can paste a tag with a chip on each commodity. The commodity information is stored in the chip, and the commodity information can include the quantity of the commodity, the name of the commodity, the type of the commodity, the quantity of the commodity, etc.

[0048] In this way, the chip tag has the advantage of rapid reading. The chip tag is built-in with a communication interface, which can achieve high-speed reading, quickly identify and transmit the information stored in the tag, thereby improving the recognition efficiency of commodity information; moreover, the chip tag has a low cost, can adopt large-scale integrated circuit production technology, has a low production cost, and can meet the production requirements of a large number of tags; in addition, the chip tag has good environmental protection performance. The chip tag adopts an electronic method, reducing the environmental pollution and resource waste problems brought by traditional paper tags.

[0049] In the above step 101, when the customer is in the designated settlement area, the supermarket background system calls the chip scanning device to scan the commodity chips on the shopping cart to obtain the commodity information to be settled. At the same time, the supermarket background system can also summarize and count the commodity information to be settled. For example, summarize the quantity and total price of the same commodity, etc. Moreover, when the customer is in the designated settlement area, the supermarket background system can also collect the biometric information of the customer, such as face information and fingerprint information, and obtain the corresponding customer information from the registered information through the face information and fingerprint information of the customer. The supermarket background system sends the commodity information to be settled and the customer information to the 5G message server.

[0050] In specific implementation, the customer does not need to take out the commodities on the shopping cart one by one for scanning to obtain the commodity information. The chip scanning device can achieve 360-degree chip scanning. Specifically, the chip scanning device is based on radio frequency identification or near-field communication chip technology, and uses a non-contact reader to communicate with the chip, so as to accurately and quickly obtain the commodity information.

[0051] In the above step 102, after obtaining the commodity information to be settled and the customer information, the 5G message server can obtain the payment account information associated with the customer's mobile phone number from the pre-stored payment account information.

[0052] In specific implementation, the customer's mobile phone number can be pre-associated with multiple payment accounts under the customer's name. In this way, when the customer conducts shopping settlement, there is no need to input the payment account information, which can improve the shopping settlement efficiency and avoid information leakage.

[0053] In one embodiment, in order to further ensure the security of shopping settlement, the above customer information may further include customer identity information;

[0054] Before the above step 102, it may further include:

[0055] Obtain the customer's real-name authentication information from the operator system according to the customer's mobile phone number;

[0056] Verify the customer's identity information using the customer's real-name authentication information;

[0057] The above step 102 may specifically include:

[0058] After successfully verifying the customer's identity information, obtain the payment account information associated with the customer's mobile phone number from the pre-stored payment account information.

[0059] In specific implementation, the operator system can be used to verify the customer's identity information. After the customer's identity information is successfully verified, the payment account information associated with the customer's mobile phone number can be obtained according to the customer's mobile phone number. In this way, the accuracy of the customer's identity can be ensured and the transaction security can be guaranteed.

[0060] In one embodiment, in order to ensure the compliance of the merchant and thus ensure the transaction security of the customer, before the above step 102, it may further include:

[0061] Obtain the system identifier sent by the supermarket back-end system;

[0062] Query the 5G message permission information of the supermarket corresponding to the supermarket back-end system according to the system identifier sent by the supermarket back-end system; the 5G message permission information includes the compliance of the supermarket corresponding to the supermarket back-end system and whether the 5G message settlement channel is opened;

[0063] The above step 102 may specifically include:

[0064] When the supermarket corresponding to the supermarket back-end system is compliant and the 5G message settlement channel is opened, obtain the payment account information associated with the customer's mobile phone number from the pre-stored payment account information.

[0065] In specific implementation, after the supermarket back-end system sends the information of the goods to be settled and the customer information, the compliance information of the supermarket and whether the 5G message settlement channel is opened can be obtained according to the system identifier of the supermarket back-end system. When the compliance information of the supermarket corresponding to the supermarket back-end system is compliant and the 5G message settlement channel is opened, obtain the payment account information associated with the customer's mobile phone number. In this way, it is possible to prevent non-compliant supermarkets from making 5G message payments and further ensure the transaction security of the customer.

[0066] In the above steps 103 and 104, the payment account information associated with the customer's mobile phone number and the goods information to be settled can be spliced with a preset shopping settlement message template to generate a shopping settlement 5G message, and the shopping settlement 5G message is sent to the mobile terminal corresponding to the customer's mobile phone number, so that the customer can select a target payment account from the payment account information associated with the customer's mobile phone number and confirm the goods information to be settled.

[0067] During specific implementation, a shopping settlement message template can be preset, and the shopping settlement message template can include the following information:

[0068] 1. Total transaction amount: That is, the total amount of this shopping transaction, so that customers can intuitively understand the shopping consumption situation.

[0069] 2. Transaction details: That is, information such as the name, quantity, unit price, and subtotal of the purchased goods, so as to facilitate customers to check the transaction details and goods information.

[0070] 3. Coupon information: If the customer can use coupons for this shopping, information such as the coupon name, deduction amount, and usage conditions can be displayed in the message.

[0071] 4. Payment method: That is, the payment account information associated with the customer's mobile phone number, for the customer to select a target payment method.

[0072] 5. Transaction status: That is, the current status of the transaction, such as paid, unpaid, etc., to facilitate customers to understand the current status of the order.

[0073] 6. Transaction time: That is, the time of this transaction, to facilitate customers to understand the transaction time and shopping records.

[0074] 7. Contact phone number: The contact phone number of the store can be provided in the message, so that customers can consult or complain when needed.

[0075] During specific implementation, the payment account information associated with the customer's mobile phone number and the goods information to be settled can be filled in the shopping settlement message template according to the content required by the shopping settlement message template to generate a shopping settlement 5G message, and the shopping settlement 5G message is sent to the mobile terminal corresponding to the customer's mobile phone number. After receiving the shopping settlement 5G message, the customer selects a target payment account from the payment account information associated with the customer's mobile phone number and confirms the goods information to be settled.

[0076] In one embodiment, in order to improve the customer experience, the preset shopping settlement message template can also include multiple commodity classification settlement areas;

[0077] The above step 103 can specifically include:

[0078] Classify the goods information to be settled according to the commodity type of the goods information to be settled;

[0079] For each type of commodity, splice the commodity information to be settled with the payment account information associated with the customer's mobile phone number in the commodity classification settlement area of that commodity type to obtain the commodity settlement information for each commodity type;

[0080] Splice the commodity settlement information for each commodity type to generate a shopping settlement 5G message.

[0081] In specific implementation, considering that customers may pay separately for different types of commodities or use different payment accounts for different types of commodities, the shopping settlement message template can be set with multiple commodity classification settlement areas. By splicing different types of commodities with the payment account information associated with the customer's mobile phone number and assembling them in the commodity classification settlement area of that commodity type, in this way, customers can select the corresponding payment account for each commodity type to conduct shopping settlement.

[0082] In step 105 above, after receiving the target payment account and confirmation information fed back by the customer, the target payment account and the commodity information to be settled can be sent to the payment authentication bank corresponding to the target payment account through a 5G message. The payment authentication bank conducts shopping settlement based on the target payment account and the commodity information to be settled and generates a shopping settlement success message. The shopping settlement success message includes the target payment account and the settled commodity information.

[0083] In one embodiment, to ensure the security of the shopping settlement transaction, step 105 above can specifically include:

[0084] After receiving the target payment account and confirmation information fed back by the customer, use a preset first encryption algorithm to encrypt the target payment account and the commodity information to be settled, and then send them to the payment authentication bank corresponding to the target payment account through a 5G message.

[0085] In this way, by encrypting and transmitting the target payment account and the commodity information to be settled, the security of information transmission can be ensured, and thus the security of the shopping settlement transaction can be ensured.

[0086] In step 106 above, after receiving the shopping settlement success message fed back by the payment authentication bank, send the shopping settlement success message (the target payment account and the settled commodity information) to the acquiring bank through a 5G message so that the acquiring bank can conduct acquiring settlement.

[0087] In one embodiment, to ensure the security of the shopping settlement transaction, step 106 above can specifically include:

[0088] After receiving the shopping settlement success information feedback from the payment authentication bank, the shopping settlement success information is encrypted using a preset second encryption algorithm and then sent to the acquiring bank via 5G message.

[0089] In this way, by encrypting and transmitting the shopping settlement success information (target payment account and settlement success commodity information), the security of information transmission can be ensured, and thus the security of the shopping settlement transaction can be ensured.

[0090] In one embodiment, when the preset shopping settlement message template includes multiple commodity classification settlement areas, the target payment account may include a payment account corresponding to each commodity type;

[0091] As Figure 2 shown, the method may specifically include:

[0092] Step 201, after receiving the target payment account and confirmation information feedback from the customer, send the payment account corresponding to each commodity type and the to-be-settled commodity information of this commodity type to the payment authentication bank corresponding to the payment account of this commodity type via 5G message, so that the payment authentication bank performs shopping settlement according to the payment account corresponding to this commodity type and the to-be-settled commodity information, generates the shopping settlement success information of each commodity type, and the shopping settlement success information of each commodity type includes the payment account corresponding to each commodity type and the commodity information of this type with successful settlement;

[0093] Step 202, after receiving the shopping settlement success information of each commodity type feedback from the payment authentication bank corresponding to the payment account of each commodity type, send the shopping settlement success information of each commodity type to the acquiring bank, so that the acquiring bank performs acquiring settlement.

[0094] Specifically in implementation, when the customer selects multiple payment accounts for shopping settlement, the payment account corresponding to each commodity type and the to-be-settled commodity information of this commodity type can be sent to the payment authentication bank corresponding to the payment account of this commodity type via 5G message for shopping settlement, and after receiving the shopping settlement success information of each commodity type feedback from the payment authentication bank corresponding to the payment account of each commodity type, the payment account corresponding to each commodity type and the commodity information of this type with successful settlement are sent to the acquiring bank for acquiring settlement.

[0095] In the above step 107, after receiving the acquiring settlement success information from the acquiring bank, the shopping settlement result is fed back to the customer and the supermarket back-end system via 5G message.

[0096] In this way, through the above-mentioned supermarket shopping settlement method based on 5G messages, the efficiency of shopping settlement can be improved, the security of transactions during shopping settlement can be ensured, and the leakage of customer information can be avoided.

[0097] To better understand the above-mentioned supermarket shopping settlement method based on 5G messages, a specific example is described below.

[0098] Figure 3 This is a flowchart example of supermarket shopping settlement based on 5G messages provided by an embodiment of the present invention.

[0099] As Figure 3 shown, first, after the customer has selected and purchased the goods, the shopping cart is pushed to the designated settlement area. The supermarket back-end system calls the chip scanning device 1 to scan the chips of the goods in the shopping cart to obtain the information of the goods to be settled.

[0100] The supermarket back-end system summarizes and statistically analyzes the information of the goods to be settled, and outputs the summarized information of the goods to be settled to the 5G message server. At this time, the status of the goods is "unpaid".

[0101] The 5G message server first needs to obtain the payment account information associated with the customer's mobile phone number, splice the payment account information associated with the customer's mobile phone number and the summarized information of the goods to be settled with a preset shopping settlement message template to generate a shopping settlement 5G message, and send the shopping settlement 5G message to the customer's mobile phone.

[0102] The customer opens the shopping settlement 5G message, selects the target payment account, confirms the information of the goods to be settled, and clicks to pay, and feeds back the target payment account and the confirmation information to the 5G message server.

[0103] After receiving the target payment account and the confirmation information fed back by the customer, the 5G message server encrypts the target payment account and the information of the goods to be settled, and sends them to the payment authentication bank corresponding to the target payment account through 5G messages.

[0104] After decrypting the information, the payment authentication bank conducts shopping settlement. After the settlement is successful, a shopping settlement success message is generated. The shopping settlement success message includes the target payment account and the information of the successfully settled goods. The shopping settlement success message is fed back to the 5G message server.

[0105] After receiving the shopping settlement success message fed back by the payment authentication bank, the 5G message server encrypts the target payment account and the information of the successfully settled goods, and sends them to the (merchant) acquiring bank through 5G messages.

[0106] (The merchant) The acquiring bank decrypts the information and conducts acquiring settlement, and feeds back the acquiring settlement success message to the 5G message server.

[0107] The 5G messaging server encrypts the shopping settlement result and sends it to the customer and the supermarket back-end system via 5G messaging.

[0108] After decrypting, the supermarket back-end system obtains the settlement result and sets the status of the settled goods to "paid".

[0109] After receiving the shopping settlement result, the customer pushes the shopping cart to the exit, where there is a chip scanning device 2.

[0110] The supermarket back-end system calls the chip scanning device 2 to perform a second scan on the chip information of the goods in the shopping cart. According to the result of the second scan, the status of the goods is identified. If all the goods should be in the "paid" status, the customer is reminded "Welcome to visit again next time"; if there is a good with the status of "unpaid", the customer is reminded to make a re-payment.

[0111] In this way, the above-mentioned supermarket shopping settlement method based on 5G messaging can achieve true self-checkout for customers through 5G messaging, which is efficient and convenient; and through the information transmission during the transaction via 5G messaging, with the operator system as an intermediary, the security of information can be ensured and the leakage of user privacy can be avoided; in addition, through the way of chip scanning, the unpaid goods can be accurately identified to prevent the phenomenon of escaping the bill or missing the checkout. At the same time, there is no need to manually scan the barcodes to obtain the goods information, and the scanning process is fast, accurate and unperceived, giving customers an excellent shopping experience.

[0112] In the embodiments of the present invention, a supermarket shopping settlement device based on 5G messaging is also provided, as described in the following embodiments. Since the principle of the device to solve the problem is similar to that of the supermarket shopping settlement method based on 5G messaging, the implementation of the device can refer to the implementation of the supermarket shopping settlement method based on 5G messaging, and the repeated parts will not be elaborated.

[0113] As Figure 4 shown, it is a schematic diagram of a supermarket shopping settlement device based on 5G messaging provided by the embodiments of the present invention, which is applied to a 5G messaging server. The device may include:

[0114] A data acquisition module 401, configured to acquire the goods information to be settled and customer information sent by the supermarket back-end system; wherein, the goods information to be settled is obtained by the supermarket back-end system calling the chip scanning device to scan the chips of the goods on the shopping cart; the customer information is the registration information of the customer in the supermarket back-end system, and the customer information includes the customer's mobile phone number;

[0115] An account acquisition module 402, configured to acquire the payment account information associated with the customer's mobile phone number from the pre-stored payment account information;

[0116] A generation module 403, configured to splice payment account information associated with the customer's mobile phone number and information on goods to be settled with a preset shopping settlement message template to generate a shopping settlement 5G message;

[0117] A first sending module 404, configured to send the shopping settlement 5G message to the customer according to the customer's mobile phone number, so that the customer can select a target payment account from the payment account information associated with the customer's mobile phone number and confirm the information on goods to be settled;

[0118] A second sending module 405, configured to, after receiving the target payment account and confirmation information fed back by the customer, send the target payment account and information on goods to be settled to the payment authentication bank corresponding to the target payment account through a 5G message, so that the payment authentication bank performs shopping settlement according to the target payment account and information on goods to be settled and generates a shopping settlement success message;

[0119] A third sending module 406, configured to, after receiving the shopping settlement success message fed back by the payment authentication bank, send the shopping settlement success message to the acquiring bank through a 5G message, so that the acquiring bank performs acquiring settlement;

[0120] A fourth sending module 407, configured to, after receiving the acquiring settlement success message of the acquiring bank, feedback the shopping settlement result to the customer and the supermarket back-end system through a 5G message.

[0121] In one embodiment, the customer information may further include customer identity information;

[0122] It further includes an identity verification module, configured to: before the account acquisition module 402 acquires the payment account information associated with the customer's mobile phone number from the pre-stored payment account information:

[0123] Acquire customer real-name authentication information from the operator system according to the customer's mobile phone number;

[0124] Verify the customer identity information by using the customer real-name authentication information;

[0125] The account acquisition module 402 may specifically be configured to:

[0126] After the verification of the customer identity information is passed, acquire the payment account information associated with the customer's mobile phone number from the pre-stored payment account information.

[0127] In one embodiment, the preset shopping settlement message template may include multiple commodity classification settlement areas;

[0128] The generation module 403 may specifically be configured to:

[0129] Classify the information on goods to be settled according to the commodity type of the information on goods to be settled;

[0130] For each commodity type, splice the commodity information to be settled with the payment account information associated with the customer's mobile phone number in the commodity classification settlement area of this commodity type to obtain the commodity settlement information for each commodity type;

[0131] Splice the commodity settlement information for each commodity type to generate a shopping settlement 5G message.

[0132] In one embodiment, the target payment account includes the payment account corresponding to each commodity type;

[0133] The second sending module 405 can specifically be the same as:

[0134] After receiving the target payment account and confirmation information fed back by the customer, send the payment account corresponding to each commodity type and the commodity information to be settled for this commodity type to the payment authentication bank corresponding to the payment account of this commodity type through a 5G message, so that the payment authentication bank conducts shopping settlement based on the payment account corresponding to this commodity type and the commodity information to be settled, and generates the shopping settlement success information for each commodity type. The shopping settlement success information for each commodity type includes the payment account corresponding to each commodity type and the commodity information of this type with successful settlement;

[0135] In the third sending module 406, it can specifically be used for:

[0136] After receiving the shopping settlement success information for each commodity type fed back by the payment authentication bank corresponding to the payment account of each commodity type, send the shopping settlement success information for each commodity type to the acquiring bank, so that the acquiring bank conducts acquiring settlement.

[0137] In one embodiment, the second sending module 405 can specifically be used for:

[0138] After receiving the target payment account and confirmation information fed back by the customer, encrypt the target payment account and the commodity information to be settled using a preset first encryption algorithm, and then send them to the payment authentication bank corresponding to the target payment account through a 5G message.

[0139] In one embodiment, the third sending module 406 can specifically be used for:

[0140] After receiving the settlement success information fed back by the payment authentication bank, encrypt the shopping settlement success information using a preset second encryption algorithm, and then send it to the acquiring bank through a 5G message.

[0141] It should be noted that although several modules of the supermarket shopping settlement device based on 5G messages are mentioned in the above detailed description, this division is only 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.

[0142] It should be noted that the supermarket shopping settlement 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 supermarket shopping settlement method and device based on 5G messages.

[0143] 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-mentioned supermarket shopping settlement method based on 5G messages is implemented.

[0144] The embodiments of the present invention also provide a computer-readable storage medium. The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the above-mentioned supermarket shopping settlement method based on 5G messages is implemented.

[0145] The embodiments of the present invention also provide a computer program product. The computer program product includes a computer program, and when the computer program is executed by a processor, the above-mentioned supermarket shopping settlement method based on 5G messages is implemented.

[0146] In an embodiment of the present invention, information on goods to be settled and customer information sent by a supermarket back-end system are obtained; wherein, the information on goods to be settled is obtained by the supermarket back-end system scanning the product chips on a shopping cart using a chip scanning device; the customer information is the registration information of the customer in the supermarket back-end system, and the customer information includes the customer's mobile phone number; from the pre-stored payment account information, the payment account information associated with the customer's mobile phone number is obtained; the payment account information associated with the customer's mobile phone number and the information on goods to be settled are spliced with a preset shopping settlement message template to generate a shopping settlement 5G message; according to the customer's mobile phone number, the shopping settlement 5G message is sent to the customer, so that the customer can select a target payment account from the payment account information associated with the customer's mobile phone number and confirm the information on goods to be settled; after receiving the target payment account and confirmation information fed back by the customer, the target payment account and the information on goods to be settled are sent to the payment authentication bank corresponding to the target payment account through a 5G message, so that the payment authentication bank can perform shopping settlement according to the target payment account and the information on goods to be settled and generate a shopping settlement success message, and the shopping settlement success message includes the target payment account and the information on successfully settled goods; after receiving the shopping settlement success message fed back by the payment authentication bank, the target payment account and the information on successfully settled goods are sent to the acquiring bank through a 5G message, so that the acquiring bank can perform acquiring settlement; after receiving the acquiring settlement success message of the acquiring bank, the shopping settlement result is fed back to the customer and the supermarket back-end system through a 5G message. Compared with the shopping settlement solution of offline supermarkets in the prior art, the embodiment of the present invention realizes the settlement of supermarket shopping based on 5G messages. First, the supermarket back-end system can send the information on goods to be settled and customer information to the 5G message server. The 5G message server obtains the payment account information associated with the customer's mobile phone number from the pre-stored payment account information, and generates a shopping settlement 5G message according to the payment account information associated with the customer's mobile phone number and the information on goods to be settled, sends the shopping settlement 5G message to the customer for confirmation, and the customer selects a payment account. Moreover, the 5G message server forwards the information to the payment authentication bank and the acquiring bank corresponding to the payment account respectively to realize shopping settlement. In this way, the security of information transmission in the shopping settlement process can be improved, the leakage of customer information can be avoided, and the security of transactions during shopping settlement can be ensured.

[0147] 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 complete hardware embodiment, a complete 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.

[0148] 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 flowcharts and / or block diagrams, as well as the combination of flows and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to the processors of general-purpose computers, special-purpose computers, embedded processors, or other programmable data processing devices to generate a machine, such that the instructions executed by the processors of the computer or other programmable data processing devices generate means for implementing the functions specified in the Figure 1 one or more flows and / or blocks Figure 1 one or more blocks.

[0149] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, such that the instructions stored in the computer-readable memory generate a manufactured article including instruction means that implement the functions specified in the Figure 1 one or more flows and / or blocks Figure 1 one or more blocks.

[0150] These computer program instructions can also be loaded onto a computer or other programmable data processing device, such that a series of operation steps are executed on the computer or other programmable device to generate a computer-implemented process, and thus the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in the Figure 1 one or more flows and / or blocks Figure 1 one or more blocks.

[0151] 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 are only specific embodiments of the present invention and are not used 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 shall be included in the protection scope of the present invention.

Claims

1. A supermarket shopping settlement method based on 5G messages, characterized in that: Applied to a 5G messaging server, including: Obtain the information of goods to be settled and customer information sent by the supermarket back-end system; wherein, the information of goods to be settled is obtained by the supermarket back-end system calling a chip scanning device to scan the commodity chips on the shopping cart; the customer information is the registration information of the customer in the supermarket back-end system, and the customer information includes the customer's mobile phone number; Obtain the payment account information associated with the customer's mobile phone number from the pre-stored payment account information; Splice the payment account information associated with the customer's mobile phone number and the information of goods to be settled with a preset shopping settlement message template to generate a shopping settlement 5G message; Send the shopping settlement 5G message to the customer according to the customer's mobile phone number, so that the customer can select a target payment account from the payment account information associated with the customer's mobile phone number and confirm the information of goods to be settled; After receiving the target payment account and confirmation information fed back by the customer, send the target payment account and the information of goods to be settled to the payment authentication bank corresponding to the target payment account through a 5G message, so that the payment authentication bank conducts shopping settlement according to the target payment account and the information of goods to be settled and generates a shopping settlement success message; After receiving the shopping settlement success message fed back by the payment authentication bank, send the shopping settlement success message to the acquiring bank through a 5G message, so that the acquiring bank conducts acquiring settlement; After receiving the acquiring settlement success message of the acquiring bank, feedback the shopping settlement result to the customer and the supermarket back-end system through a 5G message.

2. The method according to claim 1, characterized in that, The customer information further includes customer identity information; Before obtaining the payment account information associated with the customer's mobile phone number from the pre-stored payment account information, further includes: Obtain the customer real-name authentication information from the operator system according to the customer's mobile phone number; Verify the customer identity information by using the customer real-name authentication information; Obtain the payment account information associated with the customer's mobile phone number from the pre-stored payment account information, including: After the verification of the customer identity information is passed, obtain the payment account information associated with the customer's mobile phone number from the pre-stored payment account information.

3. The method according to claim 1, characterized in that, Before obtaining the payment account information associated with the customer's mobile phone number from the pre-stored payment account information, further includes: Obtain the system identifier sent by the supermarket back-end system; Query the 5G message permission information of the supermarket corresponding to the supermarket back-end system according to the system identifier sent by the supermarket back-end system; the 5G message permission information includes the compliance information of the supermarket corresponding to the supermarket back-end system and whether the 5G message settlement channel is opened; Obtain the payment account information associated with the customer's mobile phone number from the pre-stored payment account information, including: When the compliance information of the supermarket corresponding to the supermarket back-end system is compliant and the 5G message settlement channel is opened, obtain the payment account information associated with the customer's mobile phone number from the pre-stored payment account information.

4. The method according to claim 1, characterized in that The preset shopping settlement message template includes multiple commodity classification settlement areas; Splice the payment account information associated with the customer's mobile phone number and the information of goods to be settled with a preset shopping settlement message template to generate a shopping settlement 5G message, including: Classify the information of goods to be settled according to the commodity type of the information of goods to be settled; Splice the to-be-settled commodity information of each commodity type with the payment account information associated with the customer's mobile phone number in the commodity classification settlement area of the commodity type to obtain the commodity settlement information of each commodity type; Splice the commodity settlement information of each commodity type to generate a shopping settlement 5G message.

5. The method according to claim 4, characterized in that The target payment account includes the payment account corresponding to each commodity type; After receiving the target payment account and the confirmation information fed back by the customer, send the target payment account and the to-be-settled commodity information to the payment authentication bank corresponding to the target payment account through a 5G message, including: After receiving the target payment account and the confirmation information fed back by the customer, send the payment account corresponding to each commodity type and the to-be-settled commodity information of the commodity type to the payment authentication bank corresponding to the payment account of the commodity type through a 5G message, so that the payment authentication bank conducts shopping settlement according to the payment account corresponding to the commodity type and the to-be-settled commodity information, generates the shopping settlement success information of each commodity type, and the shopping settlement success information of each commodity type includes the payment account corresponding to each commodity type and the commodity information of the type with successful settlement; After receiving the shopping settlement success information fed back by the payment authentication bank, send the shopping settlement success information to the acquiring bank through a 5G message, so that the acquiring bank conducts acquiring settlement, including: After receiving the shopping settlement success information of each commodity type fed back by the payment authentication bank corresponding to the payment account of each commodity type, send the shopping settlement success information of each commodity type to the acquiring bank, so that the acquiring bank conducts acquiring settlement.

6. The method according to claim 1, wherein After receiving the target payment account and the confirmation information fed back by the customer, send the target payment account and the to-be-settled commodity information to the payment authentication bank corresponding to the target payment account through a 5G message, including: After receiving the target payment account and the confirmation information fed back by the customer, encrypt the target payment account and the to-be-settled commodity information using a preset first encryption algorithm, and then send them to the payment authentication bank corresponding to the target payment account through a 5G message.

7. The method according to claim 1, wherein After receiving the shopping settlement success information fed back by the payment authentication bank, send the shopping settlement success information to the acquiring bank through a 5G message, including: After receiving the shopping settlement success information fed back by the payment authentication bank, encrypt the shopping settlement success information using a preset second encryption algorithm, and then send it to the acquiring bank through a 5G message.

8. A supermarket shopping settlement device based on 5G messages, characterized in that: Applied to a 5G message server, including: A data acquisition module for acquiring the to-be-settled commodity information and customer information sent by the supermarket back-end system; wherein, the to-be-settled commodity information is obtained by the supermarket back-end system scanning the commodity chips on the shopping cart using a chip scanning device; the customer information is the registration information of the customer in the supermarket back-end system, and the customer information includes the customer's mobile phone number; An account acquisition module for acquiring the payment account information associated with the customer's mobile phone number from the pre-stored payment account information; A generation module for splicing the payment account information associated with the customer's mobile phone number and the to-be-settled commodity information with a preset shopping settlement message template to generate a shopping settlement 5G message; The first sending module is used to send a shopping settlement 5G message to the customer based on the customer's mobile phone number, so that the customer can select a target payment account from the payment account information associated with the customer's mobile phone number and confirm the information of the goods to be settled; The second sending module is used to send the target payment account and the to-be-settled commodity information to the payment authentication bank corresponding to the target payment account via 5G messaging after receiving the target payment account and confirmation information fed back by the customer, so that the payment authentication bank can perform the shopping settlement based on the target payment account and the to-be-settled commodity information and generate a shopping settlement success message; The third sending module is used to send the shopping settlement success information to the acquiring bank via 5G message after receiving the shopping settlement success information fed back by the payment authentication bank, so that the acquiring bank can perform the acquiring settlement; The fourth sending module is used to feedback the shopping settlement results to the customer and the supermarket backend system through 5G messages after receiving the successful settlement information from the acquiring bank.

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, the method according to any one of claims 1 to 7 is implemented.

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

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