CN114881789A - Mobile banking carbon transaction method and device - Google Patents

Abstract

The specification relates to the field of mobile internet, and particularly discloses a method and a device for carbon transaction of a mobile phone bank, wherein the method comprises the following steps: receiving a carbon transaction message sent by a mobile phone terminal; sending a query request to a carbon transaction background server; receiving real-time carbon transaction prices returned by the carbon transaction background server in response to the query request and available carbon emission data corresponding to the carbon transaction account data; sending the carbon transaction account data, the real-time carbon transaction price and the available carbon emission data to a business server; and receiving a carbon transaction request sent by the business server, and sending the carbon transaction request to the carbon transaction background server so as to carry out carbon transaction based on the carbon emission transaction amount, the mobile phone bank account data and the carbon transaction account data. According to the scheme, carbon transaction can be realized through the 5G message, carbon transaction efficiency can be submitted, and account safety is ensured.

Description

Mobile Banking Carbon Trading Method and Device

technical field

This specification relates to the field of mobile internet, in particular to a method and device for carbon trading in mobile banking.

Background technique

Carbon trading is a general term for greenhouse gas emissions trading, which is calculated in units of carbon dioxide equivalent per ton. Under the premise of total emission control, greenhouse gas emission rights, including carbon dioxide, have become a scarce resource, thus possessing commodity attributes. The existing carbon trading method is completed on-site through the carbon emission rights trading market, and the trading efficiency is low.

For the above problems, no effective solution has been proposed yet.

SUMMARY OF THE INVENTION

The embodiments of this specification provide a mobile banking carbon trading method and device to solve the problem of low carbon trading efficiency in the prior art.

The embodiments of this specification provide a mobile banking carbon trading method, which is applied to a mobile banking background server, including: receiving a carbon trading message sent by a mobile phone terminal; the carbon trading message includes carbon trading account data and mobile banking account data; The transaction background server sends a query request; receives the real-time carbon transaction price returned by the carbon transaction background server in response to the query request and the available carbon emission data corresponding to the carbon transaction account data; the query request carries the carbon trading account data; sending the carbon trading account data, the real-time carbon trading price and the available carbon emissions data to the business server; the business server according to the real-time carbon trading price and the carbon trading account data Generate an available carbon emissions message, send the available carbon emissions message to the mobile phone terminal, and receive a carbon emissions trading volume message sent by the mobile phone terminal, where the carbon emissions trading volume message carries the information that the user bases on via the mobile phone terminal. The carbon emissions trading volume selected or input by the available carbon emissions information; receiving a carbon trading request sent by the business server, and sending the carbon trading request to the carbon trading background server, so as to be based on the carbon emissions trading The carbon trading request is generated by the business server according to the carbon trading account data and the carbon emissions trading volume.

In one embodiment, sending the carbon trading account data to the carbon trading back-end server includes: parsing the carbon trading message, and verifying the mobile banking account data obtained by parsing; verifying the mobile banking account If the data is valid, send the carbon trading account data to the carbon trading backend server.

In one embodiment, sending the carbon trading account data to the carbon trading backend server includes: encrypting the carbon trading account data obtained by parsing to obtain a carbon trading account data ciphertext; sending the carbon trading account data ciphertext Sent to the carbon trading backend server.

In one embodiment, performing carbon trading based on the mobile phone bank account data and the carbon trading account data includes: the carbon trading backend server, in response to the carbon trading request, according to the real-time carbon trading price and the carbon trading The carbon emission trading volume determines the carbon trading amount; the carbon trading background server initiates a debit request or an account entry request to the mobile banking background server, and the debit request or entry request carries the carbon trading amount; the deduction request or the account entry request, the mobile banking background server deducts or credits the account corresponding to the mobile banking account data according to the carbon transaction amount; the carbon trading background server receives the mobile banking background server In the returned operation result, in the case that the operation result is successful, the post-trading available carbon emissions corresponding to the carbon trading account data is determined according to the carbon emissions trading volume and the available carbon emissions.

The embodiments of this specification provide a mobile banking carbon trading method, which is applied to a carbon trading back-end server, including: receiving a query request sent by a mobile banking back-end server; the query request carries carbon trading account data; the carbon trading account The data is obtained by parsing the carbon trading message sent by the mobile terminal received by the mobile banking backend server, and the carbon trading message includes the mobile banking account data and the carbon trading account data; in response to the query request, Obtain the real-time carbon trading price and the available carbon emissions data corresponding to the carbon trading account data; send the real-time carbon trading price and the available carbon emissions data to the mobile banking background server; the mobile banking background server Send the carbon trading account data, the real-time carbon trading price and the available carbon emissions data to a business server; the business server generates the available carbon emissions according to the real-time carbon trading price and the carbon trading account data message, send the available carbon emissions message to the mobile phone terminal, and receive a carbon emissions trading volume message sent by the mobile phone terminal, where the carbon emissions trading volume message carries the information based on the available carbon emissions by the user via the mobile phone terminal The carbon emission trading volume selected or inputted by the volume message; receiving the carbon trading request sent by the mobile banking background server to conduct carbon trading based on the carbon emissions trading volume, the mobile banking account data and the carbon trading account data ; The carbon trading request is generated by the business server according to the carbon trading account data and the carbon emission trading volume and sent to the mobile banking background server.

The embodiments of this specification provide a mobile banking carbon trading method, which is applied to a business server, including: receiving carbon trading account data, real-time carbon trading price and available carbon emission data sent by a mobile banking background server; the real-time carbon trading price and the available carbon emissions data is returned to the mobile banking background server by the carbon trading background server in response to a query request sent by the mobile banking background server, and the query request carries the carbon trading account data, The carbon trading account data is obtained by the mobile banking backend server after parsing the carbon trading message sent by the mobile phone terminal, and the carbon trading message also carries bank account data; according to the real-time carbon trading price and the available carbon emissions data, generate a message of available carbon emissions; send the available carbon emissions message to the mobile phone terminal, and receive the carbon emissions trading volume message sent by the mobile terminal, the carbon emissions trading volume message It carries the carbon emissions trading volume selected or input by the user via the mobile phone terminal based on the available carbon emissions information; generates a carbon trading request according to the carbon trading account data and the carbon emissions trading volume, and converts the carbon emissions The transaction request is sent to the mobile banking backend server; the mobile banking backend server sends the carbon transaction request to the carbon trading backend server, based on the carbon emissions trading volume, the mobile banking account data and the Carbon trading account data for carbon trading.

The embodiments of this specification also provide a mobile banking carbon trading method and device, which is applied to a mobile banking background server, including: a receiving module for receiving a carbon trading message sent by a mobile phone terminal; the carbon trading message includes carbon trading account data and Mobile bank account data; a query module for sending a query request to a carbon trading back-end server; receiving the real-time carbon trading price returned by the carbon trading back-end server in response to the query request and the available carbon emissions corresponding to the carbon trading account data The query request carries the carbon trading account data; a sending module is used to send the carbon trading account data, the real-time carbon trading price and the available carbon emissions data to the business server; the business server generates the available carbon emissions message according to the real-time carbon trading price and the carbon trading account data, sends the available carbon emissions message to the mobile phone terminal, and receives the carbon emissions trading volume message sent by the mobile phone terminal, The carbon emissions trading volume message carries the carbon emissions trading volume selected or input by the user via the mobile phone terminal based on the available carbon emissions volume message; the trading module is configured to receive a carbon trading request sent by the service server, Sending the carbon trading request to the carbon trading background server to perform carbon trading based on the carbon emissions trading volume, the mobile bank account data and the carbon trading account data; the carbon trading request is issued by the The business server is generated according to the carbon trading account data and the carbon emissions trading volume.

The embodiments of this specification also provide a mobile banking carbon trading method and device, which is applied to a carbon trading back-end server, including: a receiving module for receiving a query request sent by the mobile banking back-end server; the query request carries a carbon trading account number data; the carbon trading account data is obtained by parsing the carbon trading message sent by the mobile phone terminal received by the mobile banking backend server, and the carbon trading message includes the mobile banking account data and the carbon trading account data; an obtaining module, configured to obtain the real-time carbon trading price and the available carbon emissions data corresponding to the carbon trading account data in response to the query request; send the real-time carbon trading price and the available carbon emissions data to the The mobile banking background server; the mobile banking background server sends the carbon trading account data, the real-time carbon trading price and the available carbon emissions data to the business server; and the carbon trading account data to generate an available carbon emissions message, send the available carbon emissions message to the mobile phone terminal, and receive a carbon emissions trading volume message sent by the mobile terminal, where the carbon emissions trading volume message carries the carbon emissions trading volume selected or input by the user via the mobile phone terminal based on the available carbon emissions information; a trading module, configured to receive a carbon trading request sent by the mobile banking backend server, to use the carbon emissions trading volume based on the carbon emissions trading volume , the mobile phone bank account data and the carbon trading account data for carbon trading; the carbon trading request is generated by the business server according to the carbon trading account data and the carbon emissions trading volume and sent to the mobile phone Bank backend server.

The embodiments of this specification also provide a mobile banking carbon trading method and device, which is applied to a business server, including: a receiving module for receiving carbon trading account data, real-time carbon trading prices, and available carbon emissions data sent by the mobile banking background server ; The real-time carbon trading price and the available carbon emission data are returned to the mobile banking backend server by the carbon trading backend server in response to a query request sent by the mobile banking backend server, and the inquiry request carries The carbon trading account data, the carbon trading account data is obtained by the mobile banking backend server after parsing the carbon trading message sent by the mobile terminal, and the carbon trading message also carries bank account data a generating module for generating an available carbon emissions message according to the real-time carbon trading price and the available carbon emissions data; a sending module for sending the available carbon emissions message to the mobile phone terminal, and receiving The carbon emissions trading volume message sent by the mobile phone terminal, the carbon emissions trading volume message carries the carbon emissions trading volume selected or input by the user via the mobile phone terminal based on the available carbon emissions volume message; the trading module is used for according to The carbon trading account data and the carbon emission trading volume generate a carbon trading request, and send the carbon trading request to the mobile banking background server; the mobile banking background server sends the carbon trading request to the carbon trading request The transaction background server is used to perform carbon trading based on the carbon emission trading volume, the mobile bank account data and the carbon trading account data.

Embodiments of the present specification further provide a computer device, including a processor and a memory for storing instructions executable by the processor, when the processor executes the instructions, the method for carbon trading in mobile banking described in any of the foregoing embodiments is implemented. step.

Embodiments of the present specification further provide a computer-readable storage medium on which computer instructions are stored, and when the instructions are executed, implement the steps of the mobile banking carbon trading method described in any of the foregoing embodiments.

Embodiments of the present specification further provide a computer program product, including computer programs/instructions, when the computer program/instructions are executed by a processor, the steps of the mobile banking carbon trading method described in any of the foregoing embodiments are implemented.

In the embodiment of this specification, a mobile banking carbon trading method is provided, and the mobile banking background server can receive the carbon trading message sent by the mobile phone terminal. The carbon trading message may include carbon trading account data and mobile banking account data. The mobile banking backend server can send query requests to the carbon trading backend server. The query request carries the carbon trading account data. The carbon trading background server can obtain the real-time carbon trading price and the available carbon emission data corresponding to the carbon trading account data in response to the query request, and send the obtained real-time carbon trading price and available carbon emissions data to the mobile phone Bank backend server. The mobile banking background server can send the carbon trading account data, the real-time carbon trading price and the available carbon emission data to the business server. The service server may generate an available carbon emissions message according to the real-time carbon trading price and the carbon trading account data, and send the available carbon emissions message to the mobile phone terminal. The mobile phone terminal may receive the carbon emissions trading amount selected or input by the user via the mobile phone terminal based on the available carbon emissions amount message. The mobile phone terminal can generate a carbon emissions trading volume message, and send the carbon emissions trading volume message to the service server. The carbon emissions trading volume message carries the carbon emissions trading volume. The business server may generate a carbon trading request according to the carbon emission trading volume and the carbon trading account data, and send the carbon trading request to the mobile banking background server. The mobile banking background server can receive the carbon trading request sent by the business server, and send the carbon trading request to the carbon trading background server. The carbon trading backend server may perform carbon trading based on the carbon emissions trading volume, the mobile bank account data and the carbon trading account data. In the above scheme, the information of users' carbon trading operations is encapsulated through 5G messages, 5G messages are transmitted between the business server and the mobile banking back-end management server, and data interaction is continued between the mobile banking back-end server and the carbon trading back-end server. It enables users to complete carbon trading directly on the 5G message interface without downloading the app. The operation is simple and the efficiency of carbon trading can be improved; in addition, the transmission of account information and other content through 5G messages can further ensure account security.

Description of drawings

The accompanying drawings described herein are used to provide a further understanding of the present specification, and constitute a part of the present specification, and do not constitute a limitation to the present specification. In the attached image:

FIG. 1 shows a schematic diagram of an application scenario of a carbon trading method for mobile banking in an embodiment of this specification;

FIG. 2 shows a flowchart of a mobile banking carbon trading method in an embodiment of the present specification;

FIG. 3 shows a flow chart of a mobile banking carbon trading method in an embodiment of the present specification;

FIG. 4 shows a flow chart of a mobile banking carbon trading method in an embodiment of the present specification;

FIG. 5 shows a schematic diagram of a mobile banking carbon trading method device in an embodiment of the present specification;

FIG. 6 shows a schematic diagram of a mobile banking carbon trading method device in an embodiment of the present specification;

FIG. 7 shows a schematic diagram of a mobile banking carbon trading method device in an embodiment of the present specification;

FIG. 8 shows a schematic diagram of a computer device in an embodiment of the present specification.

Detailed ways

The principles and spirit of this specification will now be described with reference to several exemplary embodiments. It should be understood that these embodiments are given only to enable those skilled in the art to better understand and implement the present specification, but not to limit the scope of the present specification in any way. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.

Those skilled in the art will appreciate that the embodiments of the present specification can be implemented as a system, apparatus, method or computer program product. Accordingly, the present disclosure may be embodied in the form of entirely hardware, entirely software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

The embodiments of this specification provide a mobile banking carbon trading method. FIG. 1 shows a schematic diagram of an application scenario of a carbon trading method for mobile banking in an embodiment of this specification. As shown in Figure 1, the mobile banking background server can receive carbon trading messages sent by the mobile terminal. The carbon trading message may include carbon trading account data and mobile banking account data. The mobile banking backend server can send query requests to the carbon trading backend server. The query request carries the carbon trading account data. The carbon trading background server can obtain the real-time carbon trading price and the available carbon emission data corresponding to the carbon trading account data in response to the query request, and send the obtained real-time carbon trading price and available carbon emissions data to the mobile phone Bank backend server. The mobile banking background server can send the carbon trading account data, the real-time carbon trading price and the available carbon emission data to the business server. The service server may generate an available carbon emissions message according to the real-time carbon trading price and the carbon trading account data, and send the available carbon emissions message to the mobile phone terminal. The mobile phone terminal may receive the carbon emissions trading amount selected or input by the user via the mobile phone terminal based on the available carbon emissions amount message. The mobile phone terminal can generate a carbon emissions trading volume message, and send the carbon emissions trading volume message to the service server. The carbon emissions trading volume message carries the carbon emissions trading volume. The business server may generate a carbon trading request according to the carbon emission trading volume and the carbon trading account data, and send the carbon trading request to the mobile banking background server. The mobile banking background server can receive the carbon trading request sent by the business server, and send the carbon trading request to the carbon trading background server. The carbon trading backend server may perform carbon trading based on the carbon emissions trading volume, the mobile bank account data and the carbon trading account data.

The server in this embodiment may be a single server, a server cluster, or a cloud server, etc. The specific composition is not limited in this application.

FIG. 2 shows a flow chart of a carbon trading method for mobile banking in an embodiment of the present specification. Although the present specification provides method operation steps or device structures as shown in the following embodiments or drawings, more or less operation steps or module units may be included in the method or device based on routine or no creative effort. . In the steps or structures that logically do not have a necessary causal relationship, the execution sequence of these steps or the module structure of the device is not limited to the execution sequence or module structure described in the embodiments of this specification and shown in the accompanying drawings. When the described method or module structure is applied in an actual device or terminal product, it can be executed sequentially or in parallel (for example, a parallel processor or multi-threaded processing method) according to the connection of the method or module structure shown in the embodiments or the accompanying drawings. environments, even distributed processing environments).

Specifically, as shown in FIG. 2 , a mobile banking carbon trading method provided by an embodiment of this specification may include the following steps:

Step S201, receiving a carbon trading message sent by a mobile terminal; the carbon trading message includes carbon trading account data and mobile banking account data.

The mobile banking carbon trading method in this embodiment can be applied to the mobile banking background server. The mobile banking background server can receive carbon trading messages sent by the mobile terminal. The carbon trading message includes carbon trading account data and mobile banking account data. The carbon trading account data may include the carbon trading account and carbon trading account password of the user or enterprise. The mobile banking account data may include a mobile banking account number and a bank account password.

The message in this embodiment may be a 5G message. 5G messaging is an upgrade of the short message service and a basic telecom service for operators. Based on IP technology, it realizes a leap in service experience, supports more media formats, has richer forms of expression, and is more secure.

Step S202, sending a query request to the carbon trading backend server; receiving the real-time carbon trading price and available carbon emission data corresponding to the carbon trading account data returned by the carbon trading backend server in response to the query request; the query request It carries the carbon trading account data.

The mobile banking backend server can send query requests to the carbon trading backend server. The query request can carry carbon trading account data. The carbon trading backend server can obtain real-time carbon trading price and available carbon emission data in response to the query request. The real-time carbon trading price may be the carbon trading price corresponding to the moment when the query request is received. The available carbon emissions data may be the available carbon emissions corresponding to the carbon trading account data carried in the query request.

After the carbon trading backend server receives the query request, it can first verify the carbon trading account data. For example, the carbon trading back-end server can verify whether the carbon trading account exists, and if it is determined to exist, determine whether the carbon trading account matches the carbon trading password, and in the case of matching, determine that the carbon trading account data is valid. When it is determined that the carbon trading account data is valid, the real-time carbon trading price and the available carbon emission data corresponding to the carbon trading account data can be obtained.

Step S203, sending the carbon trading account data, the real-time carbon trading price, and the available carbon emissions data to a business server; the business server generates available data based on the real-time carbon trading price and the carbon trading account data. carbon emissions message, sending the available carbon emissions message to the mobile phone terminal, and receiving a carbon emissions trading volume message sent by the mobile phone terminal, where the carbon emissions trading volume message Carbon emissions trading amount selected or entered using the Carbon Emissions Amount message.

The backend server of mobile banking can send carbon trading account data, real-time carbon trading price and available carbon emission data to the business server. The business server can generate available carbon emission information according to the real-time carbon trading price and carbon trading account data. Carbon emissions messages can include real-time carbon trading prices and available carbon emissions data. The carbon emission amount message may also include a plurality of carbon emission trading amount options for the user to select. The user can select or input the carbon emissions trading amount based on the available carbon emissions information via the mobile phone terminal. For example, when the available carbon emissions are zero, users can select or input the carbon emissions trading volume to be purchased according to the real-time carbon trading price and their own needs. When there are many available carbon emissions, users can choose the carbon emissions trading volume to be sold according to the real-time carbon emissions trading price and the available carbon emissions. In some embodiments, the carbon emissions trading volume to be purchased is represented by a positive number, and the carbon emissions trading volume to be sold is represented by a negative number. The mobile terminal can generate a carbon emissions trading volume message according to the carbon emissions trading volume and carbon trading account data input by the user, and send the generated carbon emissions trading volume message to the service server.

Step S204: Receive the carbon trading request sent by the business server, and send the carbon trading request to the carbon trading background server, so as to be based on the carbon emissions trading volume, the mobile banking account data and the carbon trading account The carbon trading request is generated by the business server according to the carbon trading account data and the carbon emission trading volume.

The business server can generate a carbon trading request according to the carbon trading account data and carbon emissions trading volume, and send the carbon trading request to the mobile banking background server. The mobile banking background server may forward the carbon trading request to the carbon trading background server, so that the carbon trading background server performs carbon trading based on the carbon emissions trading volume, the mobile banking account data and the carbon trading account data.

In the above scheme, the information of users' carbon trading operations is encapsulated through 5G messages, 5G messages are transmitted between the business server and the mobile banking back-end management server, and data interaction is continued between the mobile banking back-end server and the carbon trading back-end server. It enables users to complete carbon trading directly on the 5G message interface without downloading the app. The operation is simple and the efficiency of carbon trading can be improved; in addition, the transmission of account information and other content through 5G messages can further ensure account security.

In some embodiments of this specification, sending the carbon trading account data to the carbon trading backend server may include: parsing the carbon trading message, and verifying the mobile banking account data obtained by parsing; If the mobile bank account data is valid, the carbon trading account data is sent to the carbon trading back-end server. In this embodiment, the mobile banking background server can parse the carbon trading message to obtain the mobile banking account data and carbon trading account data therein. In order to improve the efficiency and success rate of the transaction, after parsing, the mobile banking account data obtained by parsing can be verified. For example, it can be verified whether the account number and password in the mobile banking account data match, and whether the mobile banking account data and the sender's mobile phone number in the carbon trading message can be verified, etc. In the case of verifying that the mobile banking account data is valid, the carbon trading account data can be sent to the carbon trading background server. Through the above methods, the efficiency and success rate of carbon trading in mobile banking can be improved.

In some embodiments of this specification, sending the carbon trading account data to the carbon trading back-end server may include: encrypting the carbon trading account data obtained by analysis to obtain the ciphertext of the carbon trading account data; sending the carbon trading account data The data ciphertext is sent to the carbon trading backend server. In this embodiment, after the carbon trading account data is obtained by parsing, the carbon trading account data may be encrypted to obtain the ciphertext of the carbon trading account data. After that, the ciphertext of the carbon trading account can be sent to the carbon trading background server. By encrypting the carbon trading account, the confidentiality and security of the carbon trading account can be improved.

In some embodiments of this specification, performing carbon trading based on the mobile phone bank account data and the carbon trading account data may include: the carbon trading background server responds to the carbon trading request, according to the real-time carbon trading price and the carbon emission trading volume to determine the carbon trading amount; the carbon trading backend server initiates a debit request or an account entry request to the mobile banking backend server, and the debit request or the entry request carries the carbon trade amount; In response to the deduction request or the credit request, the mobile banking back-end server deducts or credits the account corresponding to the mobile banking account data according to the carbon transaction amount; the carbon trading back-end server receives the mobile phone The operation result returned by the bank backend server, in the case that the operation result is successful, determines the available carbon emission amount after the transaction corresponding to the carbon transaction account data according to the carbon emission transaction amount and the available carbon emission amount.

In this embodiment, the mobile banking background server can interact with the carbon trading background server to realize carbon trading. Specifically, the carbon trading background server may determine the carbon trading amount according to the real-time carbon trading price and the carbon emission trading volume in response to the carbon trading request. For example, the carbon trading amount is the product of the carbon emissions trading volume and the real-time carbon trading price. In one embodiment, the carbon emissions trading volume may use a positive number to represent purchases and a negative number to represent sales. Correspondingly, when the carbon transaction amount is a positive number, it means purchase, which needs to be deducted from the user's bank account. In this way, the carbon trading backend server can initiate a deduction request to the mobile banking backend server. The deduction request can carry the carbon trading amount. In response to the deduction request, the mobile banking backend server can perform a deduction operation on the account corresponding to the mobile banking account data, and the deducted amount is the carbon transaction amount. When the carbon trading amount is negative, it means selling, and it needs to be credited to the user's bank account. In this way, the carbon trading backend server can initiate an account entry request to the mobile banking backend server. The carbon transaction amount can be carried in the account entry request. The back-end server of the mobile banking can perform a crediting operation on the account corresponding to the mobile banking account data in response to the crediting request, and the credited amount is the absolute value of the carbon transaction amount. The mobile banking backend server can return the operation result to the carbon trading backend server. If the operation result is successful, the carbon trading backend server can determine the available carbon emissions after the transaction corresponding to the carbon trading account data according to the carbon emissions trading volume and the available carbon emissions. For example, the sum of carbon emissions trading volume and available carbon emissions can be determined as the available carbon emissions after trading. Through the above methods, carbon trading can be realized.

In some embodiments of this specification, after carbon trading is performed based on the mobile banking account data and the carbon trading account data, the mobile banking back-end server and the carbon trading back-end server may convert the carbon trading account data, mobile banking account data, real-time The carbon trading price, carbon emission trading volume, other data in the carbon trading process, and carbon trading results are encrypted, and the encrypted data is uploaded to the blockchain for storage. Through the above methods, the data related to carbon trading can be stored in a distributed manner, which is convenient for traceability and verification.

The embodiments of this specification also provide a mobile banking carbon trading method, which is applied to a carbon trading back-end server. FIG. 3 shows a flowchart of a carbon trading method for mobile banking in an embodiment of the present specification. As shown in Figure 3, the mobile banking carbon trading method in this embodiment includes:

Step S301: Receive a query request sent by a mobile banking background server; the query request carries carbon trading account data; the carbon trading account data is a carbon trading message sent by the mobile banking background server to the received mobile terminal According to the analysis, the carbon trading message includes mobile bank account data and the carbon trading account data.

Step S302, in response to the query request, obtain a real-time carbon trading price and available carbon emissions data corresponding to the carbon trading account data; send the real-time carbon trading price and the available carbon emissions data to the mobile phone Bank background server; the mobile banking background server sends the carbon trading account data, the real-time carbon trading price and the available carbon emissions data to the business server; the business server The carbon trading account data generates the available carbon emissions message, sends the available carbon emissions message to the mobile phone terminal, and receives the carbon emissions trading volume message sent by the mobile phone terminal. The mobile phone terminal selects or inputs the carbon emissions trading volume based on the available carbon emissions information.

Step S303: Receive a carbon trading request sent by the mobile banking background server, so as to perform carbon trading based on the carbon emissions trading volume, the mobile banking account data, and the carbon trading account data; the carbon trading request is issued by the company. It is generated by the business server according to the carbon trading account data and the carbon emission trading volume and sent to the mobile banking background server.

The embodiments of this specification also provide a mobile banking carbon trading method, which is applied to a business server. FIG. 4 shows a flow chart of a mobile banking carbon trading method according to an embodiment of the present specification. As shown in Figure 4, the mobile banking carbon trading method in this embodiment includes:

Step S401: Receive carbon trading account data, real-time carbon trading price and available carbon emissions data sent by the mobile banking background server; the real-time carbon trading price and the available carbon emissions data are sent by the carbon trading background server in response to the The query request sent by the mobile banking background server is returned to the mobile banking background server, and the query request carries the carbon trading account data, and the carbon trading account data is received by the mobile banking background server. Obtained after analyzing the carbon trading message sent by the mobile phone terminal, the carbon trading message also carries bank account data.

Step S402, according to the real-time carbon trading price and the available carbon emission data, generate an available carbon emission message.

Step S403: Send the available carbon emissions message to the mobile phone terminal, and receive a carbon emissions trading volume message sent by the mobile phone terminal, where the carbon emissions trading volume message carries the information about the available carbon emissions based on the available carbon emissions from the user via the mobile phone terminal. Emissions Message Selected or entered carbon emissions trading volume.

Step S404, generating a carbon trading request according to the carbon trading account data and the carbon emission trading volume, and sending the carbon trading request to the mobile banking background server; the mobile banking background server sending the carbon trading request to the carbon trading backend server to perform carbon trading based on the carbon emissions trading volume, the mobile bank account data and the carbon trading account data.

Each embodiment in this specification is described in a progressive manner, and the same and similar parts between the various embodiments may be referred to each other, and each embodiment focuses on the differences from other embodiments. For details, reference may be made to the descriptions of the foregoing related processing-related embodiments, which will not be repeated here.

The foregoing describes specific embodiments of the present specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in an order different from that in the embodiments and still achieve desirable results. Additionally, the processes depicted in the figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

The above method will be described below with reference to a specific embodiment. However, it should be noted that the specific embodiment is only for better illustrating the specification, and does not constitute an improper limitation of the specification.

This specific embodiment provides a mobile banking carbon trading method based on 5G message technology. When a user or an enterprise needs to conduct online carbon trading, the mobile banking background management system (that is, the mobile banking background server described in the above embodiment) is sent to the mobile banking background management system. ) to send a carbon trading request, the mobile banking background management system sends a request to the carbon emission trading market background management system (that is, the carbon trading background server described in the above embodiment) according to the user or enterprise information, and the carbon emission trading market background management system The system queries based on user or enterprise information, and returns relevant information such as the user or enterprise's available carbon emissions and real-time carbon trading prices. The mobile banking background management system sends information to the user's mobile phone through a 5G message based on the received information such as the user's or enterprise's available carbon emissions and real-time carbon trading price. Users can click on the 5G message interface to choose to sell carbon emissions under their name or buy carbon emissions, and send the operation results to the bank's back-end management system. The bank synchronizes to the carbon emission rights trading market back-end management system according to the user's choice to complete the transaction.

The method in this embodiment involves the following modules or systems. The 5G message generation module can generate 5G messages according to relevant information such as the available carbon emissions of users or enterprises and real-time carbon trading prices. The 5G message receiving module can receive the 5G message sent by the user, parse the message content, obtain the information of the user's sale or purchase of carbon trading, and return the information to the mobile banking background management system. The mobile banking background management system can receive carbon trading requests from users, communicate with the 5G messaging system, and communicate with the carbon emissions trading market background management system. The background management system of the emission trading market can communicate with the background management system of mobile banking.

The method in this embodiment may include the following steps:

Step 1. When a user or an enterprise needs to conduct online carbon trading, send a carbon trading request to the mobile banking background management system. The request includes the user's carbon trading account and password, mobile banking account and password information, equipment information, and address location. Wait.

Step 2. The mobile banking background management system completes the verification of the mobile banking account according to the user's mobile banking account number and password, device information, and geographic location, and sends the carbon trading account information to the carbon emission rights trading market background management system.

Step 3. The carbon emission rights trading market background management system verifies the transaction account according to the received request, inquires about the account information, and sends the relevant information such as the saleable carbon emissions of the account and the real-time carbon trading price to the mobile phone Bank background management system.

Step 4. The mobile banking back-end management system sends the information such as the saleable carbon emissions of the account and the real-time carbon trading price to the mobile banking 5G message carbon trading system, and the mobile banking 5G message carbon trading system generates according to the received data. 5G messages are sent to the user's mobile phone.

Step 5. The user clicks on the 5G message interface to choose to sell carbon emissions under the name or buy carbon emissions, and send the operation results to the mobile banking 5G message carbon trading system. The receiving module of the mobile banking 5G message carbon trading system parses the content and sends the user operation results to the mobile banking background management system.

Step 6. The mobile banking background management system synchronizes the user's operation information to the carbon emission rights trading market background management system to complete the transaction, and completes the collection and deduction from the mobile banking account.

In the above scheme, the information of users' carbon trading operations is encapsulated through 5G messages, 5G messages are transmitted between the business server and the mobile banking back-end management server, and data interaction is continued between the mobile banking back-end server and the carbon trading back-end server. It enables users to complete carbon trading directly on the 5G message interface without downloading the app. The operation is simple and the efficiency of carbon trading can be improved; in addition, the transmission of account information and other content through 5G messages can further ensure account security.

Based on the same inventive concept, the embodiments of this specification also provide a mobile banking carbon trading method device, as described in the following embodiments. Since the principle of the mobile banking carbon trading method device to solve the problem is similar to the mobile banking carbon trading method, the implementation of the mobile banking carbon trading method device can refer to the implementation of the mobile banking carbon trading method, and the repetition will not be repeated. As used below, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the apparatus described in the following embodiments is preferably implemented in software, implementations in hardware, or a combination of software and hardware, are also possible and contemplated.

FIG. 5 is a structural block diagram of a mobile banking carbon trading method device according to an embodiment of the present specification. The mobile banking carbon trading device in this embodiment is applied to the mobile banking background server, as shown in FIG. 5 , including: a receiving module 501 , a query module 502 , a sending module 503 and a transaction module 504 . The structure will be described below.

The receiving module 501 is configured to receive a carbon trading message sent by a mobile phone terminal; the carbon trading message includes carbon trading account data and mobile banking account data.

The query module 502 is configured to send a query request to the carbon trading background server; receive the real-time carbon trading price and available carbon emission data corresponding to the carbon trading account data returned by the carbon trading background server in response to the query request; The query request carries the carbon trading account data.

The sending module 503 is configured to send the carbon trading account data, the real-time carbon trading price and the available carbon emissions data to a business server; the business server can send the carbon trading account data according to the real-time carbon trading price and the carbon trading account data. Generate an available carbon emissions message, send the available carbon emissions message to the mobile phone terminal, and receive a carbon emissions trading volume message sent by the mobile phone terminal, where the carbon emissions trading volume message carries the information that the user bases on via the mobile phone terminal. The carbon emissions trading volume selected or input by the available carbon emissions volume message.

The trading module 504 is configured to receive a carbon trading request sent by the business server, and send the carbon trading request to the carbon trading background server, so as to be based on the carbon emissions trading volume, the mobile bank account data and the carbon trading Carbon trading is carried out by trading account data; the carbon trading request is generated by the business server according to the carbon trading account data and the carbon emission trading volume.

FIG. 6 is a structural block diagram of a mobile banking carbon trading method device according to an embodiment of the present specification. The mobile banking carbon trading device in this embodiment is applied to a carbon trading back-end server, as shown in FIG. 6 , including: a receiving module 601 , an acquiring module 602 and a trading module 603 , and the structure will be described below.

The receiving module 601 is configured to receive a query request sent by the mobile banking background server; the query request carries carbon trading account data; the carbon trading account data is the carbon trading account data sent by the mobile banking background server to the received mobile terminal The carbon trading message includes mobile bank account data and the carbon trading account data, obtained by parsing the trading message.

The obtaining module 602 is configured to obtain the real-time carbon trading price and the available carbon emission data corresponding to the carbon trading account data in response to the query request; send the real-time carbon trading price and the available carbon emissions data to the The mobile banking background server; the mobile banking background server sends the carbon trading account data, the real-time carbon trading price and the available carbon emissions data to the business server; and the carbon trading account data to generate an available carbon emissions message, send the available carbon emissions message to the mobile phone terminal, and receive a carbon emissions trading volume message sent by the mobile terminal, where the carbon emissions trading volume message carries The carbon emission trading amount selected or input by the user based on the available carbon emission amount message via the mobile phone terminal.

The trading module 603 is configured to receive a carbon trading request sent by the mobile banking background server, so as to perform carbon trading based on the carbon emissions trading volume, the mobile banking account data and the carbon trading account data; the carbon trading request is: It is generated by the business server according to the carbon trading account data and the carbon emission trading volume and sent to the mobile banking background server.

FIG. 7 is a structural block diagram of a mobile banking carbon trading method device according to an embodiment of the present specification. The mobile banking carbon trading device in this embodiment is applied to a business server. As shown in FIG. 7 , it includes: a receiving module 701 , a generating module 702 , a sending module 703 and a trading module 704 . The structure will be described below.

The receiving module 701 is configured to receive carbon trading account data, real-time carbon trading price and available carbon emission data sent by the mobile banking background server; the real-time carbon trading price and the available carbon emissions data are sent by the carbon trading background server in response to If the query request sent by the mobile banking background server is returned to the mobile banking background server, the query request carries the carbon trading account data, and the carbon trading account data is received by the mobile banking background server. It is obtained after parsing the carbon trading message sent by the received mobile phone terminal, and the carbon trading message also carries bank account data.

The generating module 702 is configured to generate the available carbon emissions message according to the real-time carbon trading price and the available carbon emissions data.

The sending module 703 is configured to send the available carbon emissions message to the mobile phone terminal, and receive a carbon emissions trading volume message sent by the mobile phone terminal, where the carbon emissions trading volume message Carbon emissions trading amount selected or entered using the Carbon Emissions Amount message.

The trading module 704 is configured to generate a carbon trading request according to the carbon trading account data and the carbon emission trading volume, and send the carbon trading request to the mobile banking background server; the mobile banking background server sends the carbon trading request to the mobile banking background server. A request is sent to the carbon trading backend server to perform carbon trading based on the carbon emissions trading volume, the mobile banking account data, and the carbon trading account data.

From the above description, it can be seen that the embodiments of this specification achieve the following technical effects: a mobile banking carbon trading method is provided, and the mobile banking background server can receive carbon trading messages sent by the mobile terminal. The carbon trading message may include carbon trading account data and mobile banking account data. The mobile banking backend server can send query requests to the carbon trading backend server. The query request carries the carbon trading account data. The carbon trading background server can obtain the real-time carbon trading price and the available carbon emission data corresponding to the carbon trading account data in response to the query request, and send the obtained real-time carbon trading price and available carbon emissions data to the mobile phone Bank backend server. The mobile banking background server can send the carbon trading account data, the real-time carbon trading price and the available carbon emission data to the business server. The service server may generate an available carbon emissions message according to the real-time carbon trading price and the carbon trading account data, and send the available carbon emissions message to the mobile phone terminal. The mobile phone terminal may receive the carbon emissions trading amount selected or input by the user via the mobile phone terminal based on the available carbon emissions amount message. The mobile phone terminal can generate a carbon emissions trading volume message, and send the carbon emissions trading volume message to the service server. The carbon emissions trading volume message carries the carbon emissions trading volume. The business server may generate a carbon trading request according to the carbon emission trading volume and the carbon trading account data, and send the carbon trading request to the mobile banking background server. The mobile banking background server can receive the carbon trading request sent by the business server, and send the carbon trading request to the carbon trading background server. The carbon trading backend server may perform carbon trading based on the carbon emissions trading volume, the mobile bank account data and the carbon trading account data. In the above scheme, the information of users' carbon trading operations is encapsulated through 5G messages, 5G messages are transmitted between the business server and the mobile banking back-end management server, and data interaction is continued between the mobile banking back-end server and the carbon trading back-end server. It enables users to complete carbon trading directly on the 5G message interface without downloading the app. The operation is simple and the efficiency of carbon trading can be improved; in addition, the transmission of account information and other content through 5G messages can further ensure account security.

The embodiment of this specification also provides a computer device. For details, please refer to the schematic diagram of the composition and structure of the computer device based on the carbon trading method for mobile banking provided by the embodiment of this specification shown in FIG. 8 . The computer device may specifically include an input device 81 , Processor 82, memory 83. The memory 83 is used for storing processor executable instructions. When the processor 82 executes the instructions, the steps of the mobile banking carbon trading method described in any of the foregoing embodiments are implemented.

In this implementation manner, the input device may specifically be one of the main apparatuses for information exchange between the user and the computer system. The input device may include a keyboard, a mouse, a camera, a scanner, a light pen, a handwriting input pad, a voice input device, etc.; the input device is used to input raw data and a program for processing these numbers into the computer. The input device can also acquire and receive data transmitted from other modules, units, and devices. The processor may be implemented in any suitable manner. For example, a processor may take the form of, for example, a microprocessor or a processor and a computer readable medium storing computer readable program code (eg software or firmware) executable by the (micro)processor, logic gates, switches, application specific integrated circuits ( Application Specific Integrated Circuit, ASIC), programmable logic controller and embedded microcontroller form, etc. The memory may specifically be a memory device used for storing information in modern information technology. The memory can include multiple levels. In a digital system, as long as it can store binary data, it can be a memory; in an integrated circuit, a circuit with a storage function that does not have a physical form is also called a memory, such as RAM, FIFO, etc.; In the system, the storage device with physical form is also called memory, such as memory stick, TF card, etc.

In this embodiment, the functions and effects specifically implemented by the computer device can be explained in comparison with other embodiments, and will not be repeated here.

Embodiments of this specification also provide a computer storage medium based on a mobile phone banking carbon trading method, where the computer storage medium stores computer program instructions, and when the computer program instructions are executed, the mobile phone described in any of the foregoing embodiments is implemented. Steps of a bank carbon trading approach.

In this embodiment, the above-mentioned storage medium includes but is not limited to random access memory (Random Access Memory, RAM), read-only memory (Read-Only Memory, ROM), cache (Cache), hard disk (Hard DiskDrive, HDD) or storage Card (Memory Card). The memory may be used to store computer program instructions. The network communication unit may be an interface for performing network connection communication, which is set according to a standard specified by a communication protocol.

In this embodiment, the functions and effects specifically implemented by the program instructions stored in the computer storage medium can be explained in comparison with other embodiments, and will not be repeated here.

Embodiments of the present specification further provide a computer program product, including computer programs/instructions, when the computer program/instructions are executed by a processor, the steps of the mobile banking carbon trading method described in any of the foregoing embodiments are implemented.

Obviously, those skilled in the art should understand that each module or each step of the above-mentioned embodiments of the present specification can be implemented by a general-purpose computing device, and they can be centralized on a single computing device, or distributed in multiple computing devices. network, they can optionally be implemented with program code executable by a computing device, so that they can be stored in a storage device and executed by the computing device, and in some cases, can be different from the The illustrated or described steps are performed in order, either by fabricating them separately into individual integrated circuit modules, or by fabricating multiple modules or steps of them into a single integrated circuit module. As such, embodiments of this specification are not limited to any particular combination of hardware and software.

It should be understood that the above description is for purposes of illustration and not limitation. From reading the above description, many embodiments and many applications beyond the examples provided will be apparent to those skilled in the art. The scope of the specification should, therefore, be determined not with reference to the above description, but should instead be determined with reference to the preceding claims, along with the full scope of equivalents to which such claims are entitled.

The above descriptions are only preferred embodiments of the present specification, and are not intended to limit the present specification. For those skilled in the art, various modifications and changes may be made to the embodiments of the present specification. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this specification shall be included within the protection scope of this specification.

Claims (10)

1. A carbon transaction method for mobile banking is characterized by being applied to a background server of the mobile banking and comprising the following steps:

receiving a carbon transaction message sent by a mobile phone terminal; the carbon transaction message comprises carbon transaction account data and mobile banking account data;

sending a query request to a carbon transaction background server; receiving real-time carbon transaction price returned by the carbon transaction background server in response to the query request and available carbon emission data corresponding to the carbon transaction account data; the query request carries the carbon transaction account data;

sending the carbon transaction account data, the real-time carbon transaction price and the available carbon emission data to a business server; the business server generates an available carbon emission message according to the real-time carbon transaction price and the carbon transaction account data, sends the available carbon emission message to the mobile phone terminal, and receives a carbon emission transaction amount message sent by the mobile phone terminal, wherein the carbon emission transaction amount message carries a carbon emission transaction amount selected or input by a user through the mobile phone terminal based on the available carbon emission amount message;

receiving a carbon transaction request sent by the business server, and sending the carbon transaction request to the carbon transaction background server so as to carry out carbon transaction based on the carbon emission transaction amount, the mobile phone bank account data and the carbon transaction account data; the carbon transaction request is generated by the service server according to the carbon transaction account data and the carbon emission transaction amount.

2. The carbon transaction method for mobile banking according to claim 1, wherein the step of sending the carbon transaction account data to a carbon transaction background server comprises the steps of:

analyzing the carbon transaction message, and verifying the analyzed mobile phone bank account data;

and under the condition that the mobile phone bank account data is verified to be valid, sending the carbon transaction account data to a carbon transaction background server.

3. The carbon transaction method for mobile banking according to claim 1, wherein the step of sending the carbon transaction account data to a carbon transaction background server comprises the steps of:

encrypting the carbon transaction account data obtained by analysis to obtain a carbon transaction account data ciphertext;

and sending the carbon transaction account data cipher text to a carbon transaction background server.

4. The carbon transaction method for mobile banking according to claim 1, wherein the carbon transaction based on the mobile banking account number data and the carbon transaction account number data comprises:

the carbon transaction background server responds to the carbon transaction request and determines a carbon transaction amount according to the real-time carbon transaction price and the carbon emission transaction amount;

the carbon transaction background server initiates a deduction request or an account entry request to the mobile banking background server, wherein the deduction request or the account entry request carries the carbon transaction amount;

in response to the deduction request or the check-in request, the mobile banking background server carries out deduction or check-in operation on an account corresponding to the mobile banking account data according to the carbon transaction amount;

and the carbon transaction background server receives an operation result returned by the mobile banking background server, and determines the available carbon emission after transaction corresponding to the carbon transaction account data according to the carbon emission transaction amount and the available carbon emission under the condition that the operation result is successful.

5. A carbon transaction method for a mobile banking is characterized by being applied to a carbon transaction background server and comprising the following steps:

receiving a query request sent by a background server of a mobile banking; the query request carries carbon transaction account data; the carbon transaction account data is obtained by analyzing a received carbon transaction message sent by the mobile phone terminal by the mobile phone bank background server, and the carbon transaction message comprises mobile phone bank account data and the carbon transaction account data;

responding to the query request, and acquiring a real-time carbon transaction price and available carbon emission data corresponding to the carbon transaction account data; sending the real-time carbon transaction price and the available carbon emission data to the mobile banking background server; the mobile banking background server sends the carbon transaction account data, the real-time carbon transaction price and the available carbon emission data to a business server; the business server generates an available carbon emission message according to the real-time carbon transaction price and the carbon transaction account data, sends the available carbon emission message to the mobile phone terminal, and receives a carbon emission transaction amount message sent by the mobile phone terminal, wherein the carbon emission transaction amount message carries a carbon emission transaction amount selected or input by a user through the mobile phone terminal based on the available carbon emission amount message;

receiving a carbon transaction request sent by the mobile banking background server to perform carbon transaction based on the carbon emission transaction amount, the mobile banking account number data and the carbon transaction account number data; and the carbon transaction request is generated by the business server according to the carbon transaction account data and the carbon emission transaction amount and then sent to the mobile banking background server.

6. A carbon transaction method for mobile banking is applied to a business server and comprises the following steps:

receiving carbon transaction account data, real-time carbon transaction price and available carbon emission data sent by a background server of a mobile banking; the real-time carbon transaction price and the available carbon emission data are returned to the mobile phone bank background server by the carbon transaction background server in response to an inquiry request sent by the mobile phone bank background server, the inquiry request carries the carbon transaction account data, the carbon transaction account data are obtained by analyzing a received carbon transaction message sent by the mobile phone terminal by the mobile phone bank background server, and the carbon transaction message also carries bank account data;

generating an available carbon emission message according to the real-time carbon transaction price and the available carbon emission data;

sending the available carbon emission amount message to the mobile phone terminal, and receiving a carbon emission transaction amount message sent by the mobile phone terminal, wherein the carbon emission transaction amount message carries a carbon emission transaction amount selected or input by a user through the mobile phone terminal based on the available carbon emission amount message;

generating a carbon transaction request according to the carbon transaction account data and the carbon emission transaction amount, and sending the carbon transaction request to the mobile banking background server; and the mobile banking background server sends the carbon transaction request to the carbon transaction background server so as to carry out carbon transaction based on the carbon emission transaction amount, the mobile banking account number data and the carbon transaction account number data.

7. A carbon transaction device for mobile banking is characterized by being applied to a background server of the mobile banking, and comprising:

the receiving module is used for receiving the carbon transaction message sent by the mobile phone terminal; the carbon transaction message comprises carbon transaction account data and mobile banking account data;

the query module is used for sending a query request to the carbon transaction background server; receiving real-time carbon transaction price returned by the carbon transaction background server in response to the query request and available carbon emission data corresponding to the carbon transaction account data; the query request carries the carbon transaction account data;

the sending module is used for sending the carbon transaction account number data, the real-time carbon transaction price and the available carbon emission data to a business server; the business server generates an available carbon emission message according to the real-time carbon transaction price and the carbon transaction account data, sends the available carbon emission message to the mobile phone terminal, and receives a carbon emission transaction amount message sent by the mobile phone terminal, wherein the carbon emission transaction amount message carries a carbon emission transaction amount selected or input by a user through the mobile phone terminal based on the available carbon emission amount message;

the transaction module is used for receiving a carbon transaction request sent by the business server, sending the carbon transaction request to the carbon transaction background server, and performing carbon transaction based on the carbon emission transaction amount, the mobile phone bank account data and the carbon transaction account data; the carbon transaction request is generated by the service server according to the carbon transaction account data and the carbon emission transaction amount.

8. A computer device comprising a processor and a memory for storing processor-executable instructions that, when executed by the processor, implement the steps of the method of any one of claims 1 to 6.

9. A computer-readable storage medium having stored thereon computer instructions, which when executed by a processor, implement the steps of the method of any one of claims 1 to 6.

10. A computer program product comprising computer programs/instructions, characterized in that the computer programs/instructions, when executed by a processor, implement the steps of the method of any of claims 1 to 6.

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