Wildcard searchable encryption is an advanced variant of searchable encryption that can simultaneously maintain the searchability and confidentiality of the encrypted data. The wildcard searchable encryption outperforms the standard one for the fact that the users can use it to search the desired data even with the inexact keywords. Considering the millisecond level response time in the era of 5G, there are higher demands on the efficiency and accuracy that may be a pair of contradictions in wildcard searchable encryption. To improve the efficiency without sacrificing the accuracy, we put forward a novel scheme, tree-based index scheme (TBIS), through filtering the search results step by step instead of enumeration in the prior works and in the instantiation of TBIS, the search time drops sharply to the millisecond level. By using more kinds of characters, the accuracy of search result is improved visibly. TBIS achieves nonadaptive security that is indistinguishable against chosen character set attacks proposed in this paper. The security criteria can capture the relationship among characters, keywords and documents. At last, we put forward a frame structure in machine learning as an application of the proposed scheme.Abbreviations: IND-CCSA, indistinguishability against chosen character set attacks; TBIS, tree-based index scheme.