基於5G消息技術重構移動銀行應用

{"type":"doc","content":[{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"在互聯網時代,面對Fintech巨頭互聯網構建的App渠道優勢競爭,銀行業務移動化處於被動地位,很多時候需要藉助各類App引入客戶流量,而5G消息讓銀行業有了重新獲得入口、話語權的可能性。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"4月25日,在華爲開發者大會2021(Cloud)期間,深北京科藍軟件系統股份有限公司藍釘事業部總經理張亮分享了主題爲《基於5G消息技術重構移動銀行應用》的演講。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"去年4月8日,中國移動、中國電信、中國聯通攜手11家合作伙伴共同發佈《5G消息白皮書》。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"在傳統的2G短信時代,運營商的基礎通信是短信,通過信令傳輸消息,傳輸內容主要是短文本,單條的最大限制是140字節,承載的信息量非常有限。在3G網絡時代,誕生了彩信多媒體消息,傳輸內容支持文本、較小的圖片、視頻。4G網絡時代結合了3G以及無線網絡的特性,在傳輸速度和傳輸質量上大大提升了,附件可高達2M。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"5G時代迎來5G消息,5G消息是傳統短彩信業務的升級,傳輸內容支持圖片、視頻、語音,包括各種富媒體的文件形式,還有卡片、H5頁面的消息形式,也支持按鈕、按鈕和菜單的這種更加強烈的交互能力。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"針對金融行業,比如銀行想要應用於5G消息,在渠道建設上會面臨一些技術問題,包括5G消息要對接多家運營商,這是現在5G消息所面臨的一個難題,中國移動、中國聯通、中國電信三家三大運營商的對接標準各有差異。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"在技術安全問題上,傳統的短信面臨着釣魚、各種虛假的號碼等問題,5G消息需提供實名校驗、通訊加密和認證鑑權。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"在技術適配工具的問題上,首先是手機終端需要支持UP2.4協議,滿足5G消息特性。另外,運營商5G基礎設施的建設進度不一。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"面向現有的技術難題,華爲和科藍聯合發佈5G消息聯合解決方案。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"image","attrs":{"src":"https:\/\/static001.infoq.cn\/resource\/image\/98\/28\/985a692d6dc487b3be3e179d4636bf28.png","alt":null,"title":"","style":[{"key":"width","value":"75%"},{"key":"bordertype","value":"none"}],"href":"","fromPaste":false,"pastePass":false}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"目前,銀行業5G消息服務具備了“我的賬戶”、理財、信用卡、綁卡、轉賬等交易功能,服務功能提供了客服服務、網點查詢、水電煤繳費、手機充值等功能。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"image","attrs":{"src":"https:\/\/static001.infoq.cn\/resource\/image\/f4\/40\/f477cccbac5bea23c734704253d2d640.png","alt":null,"title":"","style":[{"key":"width","value":"75%"},{"key":"bordertype","value":"none"}],"href":"","fromPaste":false,"pastePass":false}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"銀行業5G消息應用場景則主要從提升用戶體驗、營銷轉化和增值促活等方向去發展。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"image","attrs":{"src":"https:\/\/static001.infoq.cn\/resource\/image\/c7\/0c\/c718da01b8297fca95074e704c9ae90c.png","alt":null,"title":"","style":[{"key":"width","value":"75%"},{"key":"bordertype","value":"none"}],"href":"","fromPaste":false,"pastePass":false}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"總的來說,基於5G消息技術,銀行可以直接通過手機號碼精準觸達客戶並具備豐富交互體驗,彎道超車互聯網構建的渠道優勢,同時把大家拉回到同一起跑線,競爭迴歸到金融產品與金融服務本身。"}]}]}
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