CN113988834A - 5G message-based transaction method and device for transfer of large deposit list - Google Patents
5G message-based transaction method and device for transfer of large deposit list Download PDFInfo
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Abstract
The invention provides a 5G message-based method and a device for transfer transaction of a large deposit receipt, belonging to the 5G technology, wherein the method comprises the following steps: sending a request for transferring the large-volume deposit receipt to a bank terminal in a 5G message mode through a user terminal; determining a holding list of the large deposit receipt products of a user side login account at a bank side according to the large deposit receipt transfer application, and sending the holding list to the user side through a 5G message; determining planned transfer information of the large deposit receipt through a user side according to a large deposit receipt product holding list of a login account, and sending the planned transfer information of the large deposit receipt to a bank side through 5G information; and sending the plan transfer information of the large deposit receipt to the account which sends the purchase application of the large deposit receipt to the bank terminal in advance at the bank terminal, and executing the transfer transaction of the large deposit receipt. The user need not to handle the transfer transaction of the large-volume deposit receipt at the counter in person, and the 5G message and the bank end are simple and convenient to interact, so that the transfer transaction of the large-volume deposit receipt can be completed, the operation is convenient and fast, and the user experience is improved.
Description
Technical Field
The invention relates to the technical field of computer data processing, in particular to a 5G message-based transaction method and device for transfer of a large deposit slip.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
The large deposit receipt transfer service attracts the attention and participation of a large number of investors by virtue of the advantages of stable income, flexible buying and selling and realization of long-term closed fund in advance. However, at present, although the transfer transaction of the large-volume deposit receipt can be performed through a counter and other modes, the counter transaction requires that two parties of a transferor and a transferee simultaneously perform transaction to the counter, which wastes time and labor, and the user experience is poor.
Therefore, how to provide a new solution, which can solve the above technical problems, is a technical problem to be solved in the art.
Disclosure of Invention
The embodiment of the invention provides a 5G message-based transfer transaction method for a large deposit receipt, which is convenient and quick, can complete the transfer transaction of the large deposit receipt by the interaction between a simple and convenient 5G message and a bank terminal without the need of handling the transfer transaction of the large deposit receipt by a user in person at a counter, and improves the user experience and comprises the following steps:
sending a request for transferring the large-volume deposit receipt to a bank terminal in a 5G message mode through a user terminal;
determining a holding list of the large deposit receipt products of a user side login account at a bank side according to the large deposit receipt transfer application, and sending the holding list to the user side through a 5G message;
determining planned transfer information of the large deposit receipt through a user side according to a large deposit receipt product holding list of a login account, and sending the planned transfer information of the large deposit receipt to a bank side through 5G information;
and sending the plan transfer information of the large deposit receipt to the account which sends the purchase application of the large deposit receipt to the bank terminal in advance at the bank terminal, and executing the transfer transaction of the large deposit receipt.
An embodiment of the present invention further provides a 5G message-based device for transfer transaction of a large deposit slip, including:
the system comprises a large deposit receipt transfer application sending module, a bank terminal and a large deposit receipt transfer module, wherein the large deposit receipt transfer application sending module is used for sending a large deposit receipt transfer application to the bank terminal in a 5G message mode through a user terminal;
the system comprises a quota deposit receipt product holding list determining module, a payment deposit receipt transfer module and a payment deposit receipt transfer module, wherein the quota deposit receipt product holding list determining module is used for determining a quota deposit receipt product holding list of a user side login account according to a quota deposit receipt transfer application at a bank side and sending the quota deposit receipt product holding list to the user side through a 5G message;
the system comprises a large deposit receipt plan transfer information determining module, a bank terminal and a management module, wherein the large deposit receipt plan transfer information determining module is used for determining large deposit receipt plan transfer information according to a large deposit receipt product holding list of a login account through a user terminal and sending the large deposit receipt plan transfer information to the bank terminal through a 5G message;
and the large deposit receipt transfer transaction execution module is used for sending the planned transfer information of the large deposit receipt to the account which sends the large deposit receipt purchase application to the bank in advance at the bank end and executing the large deposit receipt transfer transaction.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the computer program to realize the 5G message-based transfer transaction method for the large deposit slip.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the method for transferring a 5G message-based grand deposit book is implemented.
An embodiment of the present invention further provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the method for transferring a 5G message-based grand deposit book is implemented.
The embodiment of the invention provides a 5G message-based method and a device for transferring a large deposit list, which comprises the following steps: sending a request for transferring the large-volume deposit receipt to a bank terminal in a 5G message mode through a user terminal; determining a holding list of the large deposit receipt products of a user side login account at a bank side according to the large deposit receipt transfer application, and sending the holding list to the user side through a 5G message; determining planned transfer information of the large deposit receipt through a user side according to a large deposit receipt product holding list of a login account, and sending the planned transfer information of the large deposit receipt to a bank side through 5G information; and sending the plan transfer information of the large deposit receipt to the account which sends the purchase application of the large deposit receipt to the bank terminal in advance at the bank terminal, and executing the transfer transaction of the large deposit receipt. In the embodiment of the invention, the user does not need to go to the counter to transact the transfer transaction of the large deposit receipt, and the transfer transaction of the large deposit receipt can be completed through the interaction between the simple and convenient 5G message and the bank terminal, so that the method and the device are convenient and quick, and the user experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a schematic diagram of a 5G message-based method for transferring a large deposit receipt according to an embodiment of the present invention.
Fig. 2 is a schematic diagram of a process of determining a holding list of a large deposit receipt product of a user login account according to a large deposit receipt transfer transaction method based on a 5G message in an embodiment of the present invention.
Fig. 3 is a schematic diagram illustrating a process of determining the planned transfer information of the large deposit receipt based on the 5G message large deposit receipt transfer transaction method according to the embodiment of the present invention.
Fig. 4 is a schematic diagram of a process of executing a transfer transaction of a large deposit slip according to a 5G message-based transfer transaction method of a large deposit slip according to an embodiment of the present invention.
Fig. 5 is a schematic diagram of a computer apparatus for executing a 5G message-based method for transaction of transfer of a large deposit book.
Fig. 6 is a schematic diagram of a 5G message-based transaction apparatus for transferring a large deposit slip according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The invention belongs to the technical field of 5G. Fig. 1 is a schematic diagram of a 5G message-based method for transferring a large-volume deposit slip in an embodiment of the present invention, and as shown in fig. 1, the embodiment of the present invention provides a 5G message-based method for transferring a large-volume deposit slip, so that a user can complete the large-volume deposit slip transfer transaction by interacting with a bank terminal through a simple and convenient 5G message without personally going to the counter, which is convenient and fast, and improves user experience, and the method includes:
step 101: sending a request for transferring the large-volume deposit receipt to a bank terminal in a 5G message mode through a user terminal;
step 102: determining a holding list of the large deposit receipt products of a user side login account at a bank side according to the large deposit receipt transfer application, and sending the holding list to the user side through a 5G message;
step 103: determining planned transfer information of the large deposit receipt through a user side according to a large deposit receipt product holding list of a login account, and sending the planned transfer information of the large deposit receipt to a bank side through 5G information;
step 104: and sending the plan transfer information of the large deposit receipt to the account which sends the purchase application of the large deposit receipt to the bank terminal in advance at the bank terminal, and executing the transfer transaction of the large deposit receipt.
The embodiment of the invention provides a 5G message-based transaction method for transfer of a large deposit slip, which comprises the following steps: sending a request for transferring the large-volume deposit receipt to a bank terminal in a 5G message mode through a user terminal; determining a holding list of the large deposit receipt products of a user side login account at a bank side according to the large deposit receipt transfer application, and sending the holding list to the user side through a 5G message; determining planned transfer information of the large deposit receipt through a user side according to a large deposit receipt product holding list of a login account, and sending the planned transfer information of the large deposit receipt to a bank side through 5G information; and sending the plan transfer information of the large deposit receipt to the account which sends the purchase application of the large deposit receipt to the bank terminal in advance at the bank terminal, and executing the transfer transaction of the large deposit receipt. In the embodiment of the invention, the user does not need to go to the counter to transact the transfer transaction of the large deposit receipt, and the transfer transaction of the large deposit receipt can be completed through the interaction between the simple and convenient 5G message and the bank terminal, so that the method and the device are convenient and quick, and the user experience is improved.
In the examples of the present invention, terms are defined as follows:
transfer of large volume deposit list: is a function that banks have proposed to meet customer demand for liquidity of funds, allowing customers to transfer products in full or partial amounts between individual customers during the valid life of a large deposit slip.
Transferor: the large inventory product during the active life is transferred to other individual customers.
The assignee: the person who accepts the transferor.
The invention provides a 5G message-based transaction method for transfer of a large deposit receipt. When a user holding a large deposit receipt product in an effective deposit duration wants to change closed funds in advance, an application for large deposit receipt transfer can be sent to a bank through a 5G message, and after the 5G message is received by a bank, a large deposit receipt holding list capable of being transferred under the name of the user is identified and sent to the user in the form of the 5G message. And the user selects a planned transfer large deposit receipt product on a 5G message interface, fills information such as a transfer price and the like, and sends the information to the bank in a 5G message mode. And after receiving the 5G message, the bank issues the transfer transaction to the guest, and other users purchase the to-be-transferred large deposit slip through the 5G message. The method solves the defect that the user can complete the transaction of the large-volume deposit receipt only by personally visiting the counter or downloading APP, registering, logging in, transacting and authenticating.
When the 5G message-based method for transferring a large deposit slip according to an embodiment of the present invention is implemented specifically, in an embodiment, the method may include:
sending a request for transferring the large-volume deposit receipt to a bank terminal in a 5G message mode through a user terminal;
determining a holding list of the large deposit receipt products of a user side login account at a bank side according to the large deposit receipt transfer application, and sending the holding list to the user side through a 5G message;
determining planned transfer information of the large deposit receipt through a user side according to a large deposit receipt product holding list of a login account, and sending the planned transfer information of the large deposit receipt to a bank side through 5G information;
and sending the plan transfer information of the large deposit receipt to the account which sends the purchase application of the large deposit receipt to the bank terminal in advance at the bank terminal, and executing the transfer transaction of the large deposit receipt.
The user need not to handle the transfer transaction of the large-volume deposit receipt at the counter in person, and the 5G message and the bank end are simple and convenient to interact, so that the transfer transaction of the large-volume deposit receipt can be completed, the operation is convenient and fast, and the user experience is improved.
Fig. 2 is a schematic diagram illustrating a process of determining a holding list of a large deposit receipt product of a user side login account according to a large deposit receipt transfer transaction method based on a 5G message in an embodiment of the present invention, and as shown in fig. 2, when the large deposit receipt transfer transaction method based on the 5G message provided in the embodiment of the present invention is specifically implemented, in an embodiment, a bank side determines the holding list of the large deposit receipt product of the user side login account according to a large deposit receipt transfer application, and sends the holding list to the user side through the 5G message, where the process includes:
step 201: receiving a request for transfer of a large deposit receipt at a bank terminal;
step 202: analyzing the application for transferring the large-volume deposit slip, and acquiring login account information of the user side;
step 203: according to the login account information of the user side, inquiring a large-volume deposit receipt product holding list under the login account name of the user side at the bank side; the holding list of the large deposit receipt products is a list formed by all large deposit receipt products held by the login account and in the valid storage period;
step 204: and converting the holding list of the large-volume deposit list product into a 5G message and sending the 5G message to the user side.
In an embodiment, the process of determining and sending the holding list of the large-volume deposit receipt products of the login account of the user side mainly includes:
firstly, receiving a request for transferring a large-volume deposit receipt at a bank terminal; the method comprises the steps that a large deposit receipt transfer application comprises user side login account information; then analyzing the application for transferring the large-volume deposit slip, and acquiring login account information of the user side; then, according to the login account information of the user side, inquiring a holding list of the large-volume deposit receipt products under the login account name of the user side at the bank side; the holding list of the large deposit receipt products is a list formed by all large deposit receipt products held by the login account and in the valid storage period; and finally, converting the holding list of the large-volume deposit receipt product into a 5G message and sending the 5G message to the user side. The user need not to handle the transfer transaction of the large-volume deposit receipt at the counter in person, and the 5G message and the bank end are simple and convenient to interact, so that the transfer transaction of the large-volume deposit receipt can be completed, the operation is convenient and fast, and the user experience is improved.
Fig. 3 is a schematic diagram illustrating a process of determining a plan transfer information of a large deposit slip based on a 5G message according to an embodiment of the present invention, and as shown in fig. 3, when the method for transferring a large deposit slip based on a 5G message according to the embodiment of the present invention is implemented specifically, in an embodiment, a user side determines the plan transfer information of the large deposit slip according to a holding list of large deposit slip products registered in an account, and sends the plan transfer information of the large deposit slip to a bank side through the 5G message, where the method includes:
step 301: receiving a large deposit receipt product holding list of a login account through a user side, and displaying the large deposit receipt product holding list of the login account on a 5G message page of the user side;
step 302: determining the plan transfer information of the large deposit receipt in response to the transfer operation of the user on the large deposit receipt selected from the holding list of the large deposit receipt; the plan transfer information of the large deposit list comprises: the product name of the large deposit receipt, the transfer price of the large deposit receipt and the transfer share of the large deposit receipt;
step 303: and converting the plan transfer information of the large deposit list into 5G information and sending the 5G information to the bank end.
In an embodiment, the process of determining and transmitting the transfer information of the large deposit list plan mainly includes:
firstly, receiving a large-volume deposit receipt product holding list of a login account through a user side, and displaying the large-volume deposit receipt product holding list of the login account on a 5G message page of the user side; then, the user selects the planned sold large deposit receipt product to perform transfer operation in a 5G message page of the user side, wherein the transfer operation comprises selecting the name of the large deposit receipt product, filling the transfer price of the large deposit receipt product and filling the transfer share of the large deposit receipt product; determining the plan transfer information of the large deposit receipt in response to the transfer operation of the user on the large deposit receipt selected from the holding list of the large deposit receipt; the plan transfer information of the large deposit list comprises: the product name of the large deposit receipt, the transfer price of the large deposit receipt and the transfer share of the large deposit receipt; and finally, converting the plan transfer information of the large deposit list into 5G information and sending the 5G information to a bank end. The user need not to handle the transfer transaction of the large-volume deposit receipt at the counter in person, and the 5G message and the bank end are simple and convenient to interact, so that the transfer transaction of the large-volume deposit receipt can be completed, the operation is convenient and fast, and the user experience is improved.
Fig. 4 is a schematic diagram illustrating a process of executing a transfer transaction of a large deposit slip based on a 5G message according to an embodiment of the present invention, and as shown in fig. 4, when the transfer transaction method of a large deposit slip based on a 5G message according to the embodiment of the present invention is implemented specifically, in an embodiment, a bank sends planned transfer information of the large deposit slip to an account that has sent a purchase application of the large deposit slip to the bank in advance, and executes the transfer transaction of the large deposit slip, where the method includes:
step 401: receiving plan transfer information of the large deposit receipt at a bank terminal;
step 402: acquiring an account which sends a large deposit receipt purchase application to a bank terminal in advance;
step 403: converting the planned transfer information of the large deposit receipt into 5G information, and sending the 5G information to an account which sends a large deposit receipt purchase application to a bank terminal in advance;
step 404: and receiving purchase information sent by the account which sends the large deposit receipt purchase application to the bank terminal in advance through the 5G message, and executing the large deposit receipt transfer transaction.
In an embodiment, the process of executing a transfer transaction of a large deposit slip mainly comprises:
firstly, receiving plan transfer information of a large deposit receipt at a bank terminal; then, the bank end has previously accepted the application for buying the large deposit receipt sent by other accounts, so that the account which has sent the application for buying the large deposit receipt to the bank end in advance can be obtained; then, converting the plan transfer information of the large deposit receipt into 5G information, and sending the 5G information to an account which sends a large deposit receipt purchase application to a bank terminal in advance; and finally, receiving purchase information sent by 5G information of the account which sends the large deposit receipt purchase application to the bank terminal in advance, and executing the large deposit receipt transfer transaction. The user need not to handle the transfer transaction of the large-volume deposit receipt at the counter in person, and the 5G message and the bank end are simple and convenient to interact, so that the transfer transaction of the large-volume deposit receipt can be completed, the operation is convenient and fast, and the user experience is improved.
When the 5G message-based method for transferring a large deposit slip according to an embodiment of the present invention is specifically implemented, in an embodiment, the method for transferring a large deposit slip includes receiving purchase information sent by an account that has sent a large deposit slip purchase application to a bank terminal in advance through a 5G message, and executing a large deposit slip transfer transaction, including:
receiving purchase information sent by 5G information from an account which sends a large-volume deposit bill purchase application to a bank terminal in advance at the bank terminal;
matching the plan transfer information of the large deposit receipt according to the purchase information, and executing the transfer transaction of the large deposit receipt when the matching is successful.
In an embodiment, in the foregoing, receiving purchase information sent by an account that has sent a large deposit slip purchase application to a bank terminal in advance through a 5G message, and executing a large deposit slip transfer transaction, the main process may include:
firstly, receiving purchase information sent by 5G information from an account which sends a large-volume deposit list purchase application to a bank terminal in advance at the bank terminal; the bank terminal has previously accepted a large deposit list purchase application sent by a plurality of accounts; then, matching the plan transfer information of the large deposit receipt according to the purchase information, and executing the large deposit receipt transfer transaction when the matching is successful. The user need not to handle the transfer transaction of the large-volume deposit receipt at the counter in person, and the 5G message and the bank end are simple and convenient to interact, so that the transfer transaction of the large-volume deposit receipt can be completed, the operation is convenient and fast, and the user experience is improved.
Specifically, in an embodiment of the invention, when implementing a 5G message-based method for transferring a large deposit receipt, matching planned transfer information of the large deposit receipt according to purchase information, and executing a large deposit receipt transfer transaction when matching is successful, the method includes:
acquiring purchase information of a plurality of accounts;
matching purchase shares in the purchase information of the plurality of accounts with transfer shares in the large deposit receipt plan transfer information;
when the purchase share in the purchase information of a single account is equal to the transfer share in the plan transfer information of the large deposit receipt, or the accumulated value of the purchase shares in the purchase information of a plurality of accounts is equal to the transfer share in the plan transfer information of the large deposit receipt, judging that the matching is successful;
when the matching is successful, generating matching success information, and sending the matching success information to a client corresponding to the successfully matched account in a 5G message form;
and responding to the confirmation transaction operation of the client corresponding to the successfully matched account, and executing the transfer transaction of the large deposit list.
In an embodiment, the matching of the plan transfer information of the large deposit slip according to the purchase information and the execution of the transfer transaction of the large deposit slip when the matching is successful may include:
firstly, acquiring purchase information of a plurality of accounts; the purchase information of the plurality of accounts is stored in the bank end in advance; then, matching the purchase shares in the purchase information of the plurality of accounts with the transfer shares in the plan transfer information of the large deposit list; then, when the purchase share in the purchase information of a single account is equal to the transfer share in the plan transfer information of the large deposit receipt, or the accumulated value of the purchase shares in the purchase information of a plurality of accounts is equal to the transfer share in the plan transfer information of the large deposit receipt, judging that the matching is successful; that is, when the purchase application of a single account is the same as the plan transfer information of the large deposit receipt, the matching is judged to be successful, and the single account can purchase all large deposit receipt products corresponding to the plan transfer information of the large deposit receipt; or accumulating the purchase applications of the plurality of accounts, and when the purchase applications reach the value of the same transfer information of the large deposit receipt plan, the plurality of accounts can purchase the large deposit receipt product corresponding to the large deposit receipt plan transfer information together; next, when the matching is successful, generating matching success information, and sending the matching success information to a client corresponding to the successfully matched account in a 5G message form; and finally, responding to the confirmation transaction operation of the client corresponding to the account which is successfully matched, and executing the transfer transaction of the large deposit list. The user need not to handle the transfer transaction of the large-volume deposit receipt at the counter in person, and the 5G message and the bank end are simple and convenient to interact, so that the transfer transaction of the large-volume deposit receipt can be completed, the operation is convenient and fast, and the user experience is improved.
The following briefly describes, in conjunction with a specific scenario, a 5G message-based method for transfer transaction of a large deposit book according to an embodiment of the present invention:
the invention provides a 5G message-based transfer transaction method for a large deposit receipt, which can complete the transfer transaction of the large deposit receipt through simple and convenient interaction between a 5G message and a bank without personally arriving at a counter or downloading an APP.
The invention provides a 5G message-based transaction method for transfer of a large deposit receipt. When a user holding a large deposit receipt product in an effective deposit duration wants to change closed funds in advance, an application for large deposit receipt transfer can be sent to a bank through a 5G message, and after the 5G message is received by a bank, a large deposit receipt holding list capable of being transferred under the name of the user is identified and sent to the user in the form of the 5G message. And the user selects a planned transfer large deposit receipt product on a 5G message interface, fills information such as a transfer price and the like, and sends the information to the bank in a 5G message mode. And after receiving the 5G message, the bank issues the transfer transaction to the guest, and other users purchase the to-be-transferred large deposit slip through the 5G message.
The embodiment of the invention also provides a modularized example of the 5G message-based transaction method for transfer of the large deposit list, which comprises the following steps:
1. 5G message receiving module:
receiving a 5G message of a large deposit receipt transfer application sent by a user and receiving a 5G message for transacting the large deposit receipt transfer sent by the user;
2. 5G message processing module:
processing the received message;
2. 5G message generation module:
generating a 5G message according to the acquired list of the large-amount deposit list held by the user and in the valid storage period;
3. 5G message sending module:
sending the generated 5G message to a user;
4. large-volume deposit receipt product module:
storing the position information of the large-volume deposit list product held by the user;
5. transfer transaction module of the large deposit receipt:
storing a user-initiated transfer transaction of the large deposit receipt; a large deposit slip transfer transaction is accepted.
The workflow of the above modularized example of the 5G message-based method for transfer of the large deposit list mainly includes:
1. the user sends a request for transferring the large-volume deposit slip to the bank in the form of 5G message, and the 5G message receiving module is responsible for receiving the user application message;
2. the 5G message receiving module sends the received application to the 5G message processing module, and the 5G message processing module inquires a large deposit list product list held by a user and in an effective storage period by a large deposit list product module and sends the large deposit list product list to the 5G message generating module;
3. the 5G message generating module generates a 5G message according to the acquired position holding information and then sends the 5G message to the user through the 5G message sending module;
4. the user selects a planned transfer large deposit receipt product on a 5G message interface, fills in information such as a transfer price and the like, and then sends the information to a bank in a 5G message form, and a 5G message receiving module is responsible for receiving business handling messages of the user;
5. the 5G message receiving module sends the received service transaction message to the 5G message processing module, the 5G message processing module sends information to the large deposit receipt transfer transaction module, and the large deposit receipt transfer transaction module records the user large deposit receipt transfer information.
6. The user sends an application to a bank in the form of a 5G message to acquire all the large deposit receipt products to be transferred, and the bank sends the generated 5G message to the user;
7. the user selects the purchased large deposit receipt product on a 5G message interface, and confirms the transaction by one key;
8. and the large deposit receipt transfer transaction module accepts the large deposit receipt transfer transaction.
The core steps of the embodiment of the invention are as follows: receiving a 5G message of a large deposit receipt transfer application sent by a user and receiving a 5G message for transacting the large deposit receipt transfer sent by the user; and generating a 5G message according to the acquired list of the large-amount deposit list products held by the user and in the valid storage period, and sending the generated 5G message to the user.
The large deposit receipt transfer service attracts the attention and participation of a large number of investors by virtue of the advantages of stable income, flexible buying and selling and realization of long-term closed fund in advance. At present, however, although the transfer transaction of the large-volume deposit receipt can be performed in an APP client mode of a counter and a mobile banking, the counter transaction requires that two parties of a transferor and a transferee simultaneously go to the counter to perform the transaction, which wastes time and labor, and the user experience is poor; the APP transaction through the mobile banking can be completed only by downloading the APP, registering, logging in, trading and authenticating, and the process is complicated. The invention provides a 5G message-based transfer transaction method for a large deposit receipt, which can complete the transfer transaction of the large deposit receipt through simple and convenient interaction between a 5G message and a bank without personally arriving at a counter or downloading an APP.
Fig. 5 is a schematic diagram of a computer device for executing a 5G message-based grand deposit book transfer transaction method, as shown in fig. 5, an embodiment of the present invention further provides a computer device 500, which includes a memory 510, a processor 520, and a computer program 530 stored in the memory and executable on the processor, and when the processor executes the computer program, the processor implements the 5G message-based grand deposit book transfer transaction method.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the method for transferring a 5G message-based grand deposit book is implemented.
An embodiment of the present invention further provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the method for transferring a 5G message-based grand deposit book is implemented.
The embodiment of the invention also provides a 5G message-based transaction device for transferring the large deposit receipt, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to a 5G message-based transaction method for transferring the large deposit receipt, the implementation of the device can refer to the implementation of the 5G message-based transaction method for transferring the large deposit receipt, and repeated details are omitted.
Fig. 6 is a schematic diagram of a transaction apparatus for transferring a large deposit receipt based on a 5G message according to an embodiment of the present invention, and as shown in fig. 6, an embodiment of the present invention further provides a transaction apparatus for transferring a large deposit receipt based on a 5G message, which may include:
a large deposit receipt transfer application sending module 601, configured to send a large deposit receipt transfer application to a bank end in a 5G message form through a user end;
the account deposit receipt product holding list determining module 602 is used for determining a large amount deposit receipt product holding list of a user side login account at a bank side according to a large amount deposit receipt transfer application, and sending the large amount deposit receipt product holding list to the user side through a 5G message;
the large deposit receipt plan transfer information determining module 603 is configured to determine, through the user side according to the large deposit receipt product holding list of the login account, large deposit receipt plan transfer information, and send the large deposit receipt plan transfer information to the bank side through a 5G message;
and a large deposit receipt transfer transaction execution module 604, configured to send, at the bank end, large deposit receipt plan transfer information to an account that has sent a large deposit receipt purchase application to the bank end in advance, and execute a large deposit receipt transfer transaction.
In a specific implementation of the 5G message-based large deposit receipt transfer transaction apparatus according to an embodiment of the present invention, in an embodiment, the large deposit receipt product holding list determining module is specifically configured to:
receiving a request for transfer of a large deposit receipt at a bank terminal;
analyzing the application for transferring the large-volume deposit slip, and acquiring login account information of the user side;
according to the login account information of the user side, inquiring a large-volume deposit receipt product holding list under the login account name of the user side at the bank side; the holding list of the large deposit receipt products is a list formed by all large deposit receipt products held by the login account and in the valid storage period;
and converting the holding list of the large-volume deposit list product into a 5G message and sending the 5G message to the user side.
In a specific implementation of the 5G message-based transaction device for transferring a large deposit slip according to the embodiment of the present invention, in an embodiment, the module for determining a planned transfer information of a large deposit slip is specifically configured to:
receiving a large deposit receipt product holding list of a login account through a user side, and displaying the large deposit receipt product holding list of the login account on a 5G message page of the user side;
determining the plan transfer information of the large deposit receipt in response to the transfer operation of the user on the large deposit receipt selected from the holding list of the large deposit receipt; the plan transfer information of the large deposit list comprises: the product name of the large deposit receipt, the transfer price of the large deposit receipt and the transfer share of the large deposit receipt;
and converting the plan transfer information of the large deposit list into 5G information and sending the 5G information to the bank end.
When the 5G message-based transaction device for transfer of a large deposit slip is implemented specifically, in an embodiment of the present invention, the large deposit slip transfer transaction execution module is specifically configured to:
receiving plan transfer information of the large deposit receipt at a bank terminal;
acquiring an account which sends a large deposit receipt purchase application to a bank terminal in advance;
converting the planned transfer information of the large deposit receipt into 5G information, and sending the 5G information to an account which sends a large deposit receipt purchase application to a bank terminal in advance;
and receiving purchase information sent by the account which sends the large deposit receipt purchase application to the bank terminal in advance through the 5G message, and executing the large deposit receipt transfer transaction.
In a specific implementation of the 5G message-based transaction device for transfer of a large deposit slip according to the embodiment of the present invention, in an embodiment, the large deposit slip transfer transaction execution module is further configured to:
receiving purchase information sent by 5G information from an account which sends a large-volume deposit bill purchase application to a bank terminal in advance at the bank terminal;
matching the plan transfer information of the large deposit receipt according to the purchase information, and executing the transfer transaction of the large deposit receipt when the matching is successful.
In a specific implementation of the 5G message-based transaction device for transfer of a large deposit slip according to the embodiment of the present invention, in an embodiment, the large deposit slip transfer transaction execution module is further configured to:
acquiring purchase information of a plurality of accounts;
matching purchase shares in the purchase information of the plurality of accounts with transfer shares in the large deposit receipt plan transfer information;
when the purchase share in the purchase information of a single account is equal to the transfer share in the plan transfer information of the large deposit receipt, or the accumulated value of the purchase shares in the purchase information of a plurality of accounts is equal to the transfer share in the plan transfer information of the large deposit receipt, judging that the matching is successful;
when the matching is successful, generating matching success information, and sending the matching success information to a client corresponding to the successfully matched account in a 5G message form;
and responding to the confirmation transaction operation of the client corresponding to the successfully matched account, and executing the transfer transaction of the large deposit list.
To sum up, the method and the device for transfer transaction of the large deposit receipt based on the 5G message provided by the embodiment of the invention comprise the following steps: sending a request for transferring the large-volume deposit receipt to a bank terminal in a 5G message mode through a user terminal; determining a holding list of the large deposit receipt products of a user side login account at a bank side according to the large deposit receipt transfer application, and sending the holding list to the user side through a 5G message; determining planned transfer information of the large deposit receipt through a user side according to a large deposit receipt product holding list of a login account, and sending the planned transfer information of the large deposit receipt to a bank side through 5G information; and sending the plan transfer information of the large deposit receipt to the account which sends the purchase application of the large deposit receipt to the bank terminal in advance at the bank terminal, and executing the transfer transaction of the large deposit receipt. In the embodiment of the invention, the user does not need to go to the counter to transact the transfer transaction of the large deposit receipt, and the transfer transaction of the large deposit receipt can be completed through the interaction between the simple and convenient 5G message and the bank terminal, so that the method and the device are convenient and quick, and the user experience is improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may 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 such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (15)
1. A5G message-based transaction method for transfer of a large deposit list is characterized by comprising the following steps:
sending a request for transferring the large-volume deposit receipt to a bank terminal in a 5G message mode through a user terminal;
determining a holding list of the large deposit receipt products of a user side login account at a bank side according to the large deposit receipt transfer application, and sending the holding list to the user side through a 5G message;
determining planned transfer information of the large deposit receipt through a user side according to a large deposit receipt product holding list of a login account, and sending the planned transfer information of the large deposit receipt to a bank side through 5G information;
and sending the plan transfer information of the large deposit receipt to the account which sends the purchase application of the large deposit receipt to the bank terminal in advance at the bank terminal, and executing the transfer transaction of the large deposit receipt.
2. The method as claimed in claim 1, wherein determining the holding list of the large deposit receipt products of the account logged in the user terminal according to the large deposit receipt transfer application at the bank terminal, and sending the holding list to the user terminal through a 5G message, comprises:
receiving a request for transfer of a large deposit receipt at a bank terminal;
analyzing the application for transferring the large-volume deposit slip, and acquiring login account information of the user side;
according to the login account information of the user side, inquiring a large-volume deposit receipt product holding list under the login account name of the user side at the bank side; the holding list of the large deposit receipt products is a list formed by all large deposit receipt products held by the login account and in the valid storage period;
and converting the holding list of the large-volume deposit list product into a 5G message and sending the 5G message to the user side.
3. The method of claim 1, wherein determining the planned transfer information of the large deposit receipt by the user terminal according to the held list of the large deposit receipt products of the login account, and sending the planned transfer information of the large deposit receipt to the bank terminal through a 5G message comprises:
receiving a large deposit receipt product holding list of a login account through a user side, and displaying the large deposit receipt product holding list of the login account on a 5G message page of the user side;
determining the plan transfer information of the large deposit receipt in response to the transfer operation of the user on the large deposit receipt selected from the holding list of the large deposit receipt; the plan transfer information of the large deposit list comprises: the product name of the large deposit receipt, the transfer price of the large deposit receipt and the transfer share of the large deposit receipt;
and converting the plan transfer information of the large deposit list into 5G information and sending the 5G information to the bank end.
4. The method of claim 1, wherein transmitting, at the bank end, the plan transfer information of the large deposit slip to the account previously transmitting the purchase request of the large deposit slip to the bank end, and performing the transfer transaction of the large deposit slip comprises:
receiving plan transfer information of the large deposit receipt at a bank terminal;
acquiring an account which sends a large deposit receipt purchase application to a bank terminal in advance;
converting the planned transfer information of the large deposit receipt into 5G information, and sending the 5G information to an account which sends a large deposit receipt purchase application to a bank terminal in advance;
and receiving purchase information sent by the account which sends the large deposit receipt purchase application to the bank terminal in advance through the 5G message, and executing the large deposit receipt transfer transaction.
5. The method as claimed in claim 4, wherein receiving purchase information transmitted by an account previously transmitted with a large deposit book purchase request to a banking terminal through a 5G message, and performing a large deposit book transfer transaction comprises:
receiving purchase information sent by 5G information from an account which sends a large-volume deposit bill purchase application to a bank terminal in advance at the bank terminal;
matching the plan transfer information of the large deposit receipt according to the purchase information, and executing the transfer transaction of the large deposit receipt when the matching is successful.
6. The method of claim 5, wherein matching the plan transfer information of the grand deposit book based on the purchase information, and performing a grand deposit book transfer transaction when the matching is successful comprises:
acquiring purchase information of a plurality of accounts;
matching purchase shares in the purchase information of the plurality of accounts with transfer shares in the large deposit receipt plan transfer information;
when the purchase share in the purchase information of a single account is equal to the transfer share in the plan transfer information of the large deposit receipt, or the accumulated value of the purchase shares in the purchase information of a plurality of accounts is equal to the transfer share in the plan transfer information of the large deposit receipt, judging that the matching is successful;
when the matching is successful, generating matching success information, and sending the matching success information to a client corresponding to the successfully matched account in a 5G message form;
and responding to the confirmation transaction operation of the client corresponding to the successfully matched account, and executing the transfer transaction of the large deposit list.
7. A 5G message-based money order transfer transaction apparatus, comprising:
the system comprises a large deposit receipt transfer application sending module, a bank terminal and a large deposit receipt transfer module, wherein the large deposit receipt transfer application sending module is used for sending a large deposit receipt transfer application to the bank terminal in a 5G message mode through a user terminal;
the system comprises a quota deposit receipt product holding list determining module, a payment deposit receipt transfer module and a payment deposit receipt transfer module, wherein the quota deposit receipt product holding list determining module is used for determining a quota deposit receipt product holding list of a user side login account according to a quota deposit receipt transfer application at a bank side and sending the quota deposit receipt product holding list to the user side through a 5G message;
the system comprises a large deposit receipt plan transfer information determining module, a bank terminal and a management module, wherein the large deposit receipt plan transfer information determining module is used for determining large deposit receipt plan transfer information according to a large deposit receipt product holding list of a login account through a user terminal and sending the large deposit receipt plan transfer information to the bank terminal through a 5G message;
and the large deposit receipt transfer transaction execution module is used for sending the planned transfer information of the large deposit receipt to the account which sends the large deposit receipt purchase application to the bank in advance at the bank end and executing the large deposit receipt transfer transaction.
8. The apparatus of claim 7, wherein the mass inventory product holding list determining module is specifically configured to:
receiving a request for transfer of a large deposit receipt at a bank terminal;
analyzing the application for transferring the large-volume deposit slip, and acquiring login account information of the user side;
according to the login account information of the user side, inquiring a large-volume deposit receipt product holding list under the login account name of the user side at the bank side; the holding list of the large deposit receipt products is a list formed by all large deposit receipt products held by the login account and in the valid storage period;
and converting the holding list of the large-volume deposit list product into a 5G message and sending the 5G message to the user side.
9. The apparatus of claim 7, wherein the grand deposit book plan transfer information determining module is specifically configured to:
receiving a large deposit receipt product holding list of a login account through a user side, and displaying the large deposit receipt product holding list of the login account on a 5G message page of the user side;
determining the plan transfer information of the large deposit receipt in response to the transfer operation of the user on the large deposit receipt selected from the holding list of the large deposit receipt; the plan transfer information of the large deposit list comprises: the product name of the large deposit receipt, the transfer price of the large deposit receipt and the transfer share of the large deposit receipt;
and converting the plan transfer information of the large deposit list into 5G information and sending the 5G information to the bank end.
10. The apparatus of claim 7, wherein the grand deposit book transfer transaction execution module is specifically configured to:
receiving plan transfer information of the large deposit receipt at a bank terminal;
acquiring an account which sends a large deposit receipt purchase application to a bank terminal in advance;
converting the planned transfer information of the large deposit receipt into 5G information, and sending the 5G information to an account which sends a large deposit receipt purchase application to a bank terminal in advance;
and receiving purchase information sent by the account which sends the large deposit receipt purchase application to the bank terminal in advance through the 5G message, and executing the large deposit receipt transfer transaction.
11. The apparatus of claim 10, wherein the grand deposit book transfer transaction execution module is further configured to:
receiving purchase information sent by 5G information from an account which sends a large-volume deposit bill purchase application to a bank terminal in advance at the bank terminal;
matching the plan transfer information of the large deposit receipt according to the purchase information, and executing the transfer transaction of the large deposit receipt when the matching is successful.
12. The apparatus of claim 11, wherein the grand deposit book transfer transaction execution module is further configured to:
acquiring purchase information of a plurality of accounts;
matching purchase shares in the purchase information of the plurality of accounts with transfer shares in the large deposit receipt plan transfer information;
when the purchase share in the purchase information of a single account is equal to the transfer share in the plan transfer information of the large deposit receipt, or the accumulated value of the purchase shares in the purchase information of a plurality of accounts is equal to the transfer share in the plan transfer information of the large deposit receipt, judging that the matching is successful;
when the matching is successful, generating matching success information, and sending the matching success information to a client corresponding to the successfully matched account in a 5G message form;
and responding to the confirmation transaction operation of the client corresponding to the successfully matched account, and executing the transfer transaction of the large deposit list.
13. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 6 when executing the computer program.
14. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any one of claims 1 to 6.
15. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 6.
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