CN111985911A - Block chain payment method, system and storage medium - Google Patents

Block chain payment method, system and storage medium Download PDF

Info

Publication number
CN111985911A
CN111985911A CN201910423028.9A CN201910423028A CN111985911A CN 111985911 A CN111985911 A CN 111985911A CN 201910423028 A CN201910423028 A CN 201910423028A CN 111985911 A CN111985911 A CN 111985911A
Authority
CN
China
Prior art keywords
user
payment
information
payee
block chain
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201910423028.9A
Other languages
Chinese (zh)
Inventor
吴波
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Trueseen Ltd (xiamen)
Original Assignee
Trueseen Ltd (xiamen)
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Trueseen Ltd (xiamen) filed Critical Trueseen Ltd (xiamen)
Priority to CN201910423028.9A priority Critical patent/CN111985911A/en
Publication of CN111985911A publication Critical patent/CN111985911A/en
Pending legal-status Critical Current

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3827—Use of message hashing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management

Abstract

The invention discloses a block chain payment method, a system and a storage medium, wherein the method comprises the following steps: a payer user creates payment information; sending the payment information to a corresponding payee user in a point-to-point communication mode; the payee user receives payment information of the payer user; the system judges whether the payee user meets the collection condition or not, if so, the payment amount of the money or the virtual amount of the money is transferred to the account of the payee user from the account of the payer user; otherwise, the account of the payee user cannot receive the amount of the transferred money or the virtual money of the payer user. The invention has the characteristics of safe and rapid payment, real and reliable payment, no tampering and the like.

Description

Block chain payment method, system and storage medium
Technical Field
The invention relates to the field of payment, in particular to a block chain payment method, a block chain payment system and a storage medium.
Background
The existing financial transfer can conveniently and rapidly realize in-bank transfer and cross-bank transfer, accounts and balance are required to be in banks respectively, transfer is carried out through the banks, the accounts are recorded in a bank system, or transfer is carried out through a third platform (such as WeChat transfer, payment treasures and the like), rapid account arrival can be realized, and the modes of collecting commission fees and the like are basically not needed, so that the financial transfer is convenient and rapid. The transfer modes are processed based on a central platform, and once the operation is successful, the transfer is completed. With the rapid development of technology, technologies required for financial fraud and crimes are developed together, so that many users lose funds due to the transfer of funds to strange users or the leakage of personal information.
In addition, the cross-border payment service is based on a SWIFT agent mode, has the characteristic of centralization, and has one or more agent banks in the payment process, and the transaction is completed by taking a third-party system such as SWIFT and the like as an intermediary. The cost is high, the payment path is long, and the payment efficiency is low; if the remittance bank and the collection bank have time difference or the agent bank is on holidays, the cross-border payment time consumption is increased.
The Blockchain (Blockchain) is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like. The consensus mechanism is a mathematical algorithm for establishing trust and obtaining rights and interests among different nodes in the blockchain system. The blockchain is also a bottom-up innovation technology, is not directed at the reformation and the upgrade of a certain kind of application, but can generate subversive changes on all scenes related to data storage and information exchange processes, and the application prospect of the blockchain is expected by people. The block chain is a distributed database system which is participated in by different nodes together, is an open account book system, and comprises blocks which are formed by a string of data blocks or data packets generated according to a cryptography method, the data information of each block is automatically stamped by time, so that a data encryption value, namely a hash value, is calculated, each block comprises the hash value of the previous block, and the block chain is formed by linking the starting block to the current block.
Disclosure of Invention
The invention aims to overcome the problems in the prior art and provides a block chain payment method, a block chain payment system and a storage medium.
In order to achieve the purpose, the invention adopts the following technical scheme:
a blockchain payment method is applied to a blockchain system, and comprises the following steps:
(1) the method comprises the steps that a payer user creates payment information, wherein the payment information comprises payment currency amount or virtual currency amount and payee user information;
(2) sending the payment information to a corresponding payee user in a point-to-point communication mode; the payee user receives payment information of the payer user;
(3) the system judges whether a payee user meets a collection condition, wherein the collection condition is that the payee user transfers a certain number of block link certificates to a payer user; the amount of the blockchain pass certificate transferred from the payee user to the payer user is related to the value of payment; if the payee user meets the collection condition, transferring the payment amount or the virtual currency amount from the account of the payer user to the account of the payee user; otherwise, the account of the payee user cannot receive the amount of the transferred money or the virtual money of the payer user.
Further, the block chaining ticket is a unique encrypted digital rights certificate.
The block chain system further comprises a plurality of block chain network nodes to form a block chain network; the block chain network node is used for storing blocks of the data information of the certificate transfer and linking the blocks to form a block chain;
recording transfer information data of a blockchain pass-certificate between a payer user and a payee user in a node of a blockchain network;
the transfer information data of the block chain general certificate comprises transfer party user information, receiving party user information and time information of the block chain general certificate from the receiving party user to the paying party user.
Further, optionally, the payment information includes collection condition information of the user of the collection party.
Further, the receipt condition information of the receiver user includes a time condition that the receiver user can receive the receipt within a set time limit and the receiver user cannot receive the receipt beyond the set time limit.
Further, the payment condition information of the payee user includes a location condition that the payee user can receive the payment within a set location range, and the payee user cannot receive the payment outside the set location range.
Further, the collection condition information of the payee user includes the payee user identity attribute condition, if the identity attribute of the payee user meets the set payee user identity attribute condition, the payee user can collect the money, otherwise, the payee user cannot collect the money.
Further, the payee user and the payer user can perform point-to-point communication chat.
Further, the value of the block chaining certification quantity transferred from the payee user to the payer user is a certain proportion of payment value; the proportional value is set by the blockchain system, the payer user or the payee user.
Correspondingly, the invention also provides a block chain payment system, which comprises: a memory, a processor, and computer instructions stored on the memory and executed on the processor, the computer instructions, when executed by the processor, performing the steps of the blockchain payment method described above.
Correspondingly, the invention further provides a computer-readable storage medium, a computer program runs on the computer-readable storage medium, and when the computer program is run by a processor, the steps of the block chain payment method are completed.
Compared with the prior art, the block chain payment method and the block chain payment system have the following beneficial effects:
(1) the method and the system adopt block chain payment for the method and money transfer or virtual money transfer between a payer user and a payee user, the payee user transfers a certain amount of block chain communication certificates to the payer user, the payment amount of the method and money or the virtual money amount is transferred to an account of the payee user from the account of the payer user, and a certain amount of block chain communication certificates are transferred to the payer user by the payee user to record transfer records between the payer user and the payee user, so that the method and the system have confidentiality.
(2) The method comprises the steps that a payee user transfers a certain amount of block link certificates to a payer user, and transfer information data of the block link certificates between the payer user and the payee user are recorded in nodes of a block link network, wherein the transfer information data of the block link certificates are real and reliable and cannot be tampered;
(3) the payment information comprises the collection condition information of the user at the collection party, so that the safety of payment can be further improved, and fund or property loss caused by transferring accounts to strange users or revealing personal information is avoided.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the invention and not to limit the invention. In the drawings:
fig. 1 is a flowchart of a block chain payment method according to embodiment 1 of the present invention.
Detailed Description
In order to make the technical problems, technical solutions and advantageous effects to be solved by the present invention clearer and clearer, the present invention is further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Example 1
The embodiment of the invention provides a block chain payment method, which is applied to a block chain system and comprises the following steps:
(1) the method comprises the steps that a payer user creates payment information, wherein the payment information comprises payment currency amount or virtual currency amount and payee user information; in the embodiment of the present invention, preferably, the payment information includes a payment legal money amount (rmb) amount and payee user information;
the payer user is a payer user, such as a customer or consumer user, and the payee user is a merchant or store user; when the payer user is a customer or a consumer user consumes or purchases a commodity from a merchant or a shop user, the payer user needs to pay a corresponding consumption amount to the payee user;
(2) Sending the payment information to a corresponding payee user in a point-to-point communication mode; the payee user receives payment information of the payer user;
(3) the system judges whether a payee user meets a collection condition, wherein the collection condition is that the payee user transfers a certain number of block link certificates to a payer user; the amount of the blockchain pass certificate transferred from the payee user to the payer user is related to the value of payment; if the payee user meets the collection condition, transferring the payment money amount of the payment method from the account of the payer user to the account of the payee user; otherwise, the account of the payee user cannot receive the amount of the transferred money of the payer user.
Further, the block chaining ticket is a unique encrypted digital rights certificate.
Further, optionally, the block chain system includes a plurality of block chain network nodes to form a block chain network; the block chain network node is used for storing blocks of the data information of the certificate transfer and linking the blocks to form a block chain;
recording transfer information data of a blockchain pass-certificate between a payer user and a payee user in a node of a blockchain network;
the transfer information data of the block chain general certificate comprises transfer party user information, receiving party user information and time information of the block chain general certificate from the receiving party user to the paying party user.
In order to further determine the payment security, the payer user may set the collection condition information of the payee user according to the requirement, and in the method, the payment information includes the collection condition information of the payee user.
In the present invention, the charge condition information of the receiver user includes a time condition that the receiver user can receive the charge within a set time limit, and the receiver user cannot receive the charge outside the set time limit, and the amount of the money of the pen is returned to the account of the payer user or the amount of the money of the pen is changed from a frozen state to a defrosted state.
The money amount of the legal currency in the frozen state cannot be processed, the processing is transfer transaction or donation, and the event processed by the legal currency in the frozen state is listed as an invalid event by the block chain system.
Further, the value of the block chaining certification quantity transferred from the payee user to the payer user is a certain proportion of payment value; the proportion value of the certain proportion is set for the block chain system; for example, the certain proportion is 1%, that is, 1% of the value payment legal amount (rmb) amount of the blockchain pass amount transferred from the payee user to the payer user. It should be noted that the proportional value may also be set by the payer or payee according to actual needs.
The consumer user pays the commodity cost, and obtains the block link certificate with a certain value from the merchant, so that the commodity transaction activity is facilitated, and the merchant can effectively trace the consumer of the merchant through the transfer record information of the block link certificate.
Example 2
The embodiment of the invention provides a block chain payment method, which is applied to a block chain system and comprises the following steps:
(1) the method comprises the steps that a payer user creates payment information, wherein the payment information comprises payment currency amount or virtual currency amount and payee user information; in the embodiment of the present invention, preferably, the payment information includes a virtual currency amount and payee user information;
the payer user is a payer user, for example, the payer user is a transfer user, and is used for transferring money between users, for example, the user A transfers 100 bitcoins to the user B, wherein the user A is the transfer user, and the user B is a payee user;
(2) sending the payment information to a corresponding payee user in a point-to-point communication mode; the payee user receives payment information of the payer user;
(3) the system judges whether a payee user meets a collection condition, wherein the collection condition is that the payee user transfers a certain number of block link certificates to a payer user; the amount of the blockchain pass certificate transferred from the payee user to the payer user is related to the value of payment; if the payee user meets the collection condition, transferring the virtual currency with the corresponding amount to the account of the payee user from the account of the payer user; otherwise, the account of the payee user cannot receive the corresponding amount of virtual currency transferred by the payer user.
Further, the block chaining ticket is a unique encrypted digital rights certificate.
Further, optionally, the block chain system includes a plurality of block chain network nodes to form a block chain network; the block chain network node is used for storing blocks of the data information of the certificate transfer and linking the blocks to form a block chain;
recording transfer information data of a blockchain pass-certificate between a payer user and a payee user in a node of a blockchain network;
the transfer information data of the block chain general certificate comprises transfer party user information, receiving party user information and time information of the block chain general certificate from the receiving party user to the paying party user.
In order to further determine the payment security, the payer user may set the collection condition information of the payee user according to the requirement, and in the method, the payment information includes the collection condition information of the payee user.
In the application of the present invention, the collection condition information of the receiver user includes a position condition, where the position condition is that the receiver user can collect money within a set position range, and outside the set position range, the receiver user cannot collect money, and the corresponding amount of the virtual money of the pen is returned to the account of the payer user or the corresponding amount of the virtual money of the pen is converted from a frozen state to a defrosted state.
The event that the virtual money in the frozen state is handled is listed as an invalid event by the block chain system.
In order to further determine the payment safety, the collection condition information of the receiver user also comprises a receiver user identity attribute condition, if the identity attribute of the receiver user meets the set receiver user identity attribute condition, the receiver user can collect money, otherwise, the receiver user cannot collect money, the collection condition information of the receiver user comprises the receiver user identity attribute condition, if the identity attribute of the receiver user meets the set receiver user identity attribute condition, the receiver user can collect money, otherwise, the receiver user cannot collect money, the money amount or the virtual money of the money is returned to the account of the payment user, or the money amount or the virtual money of the money is converted into a unfrozen state from a frozen state.
Further, the payee user and the payer user can perform point-to-point communication chat.
Example 3
The embodiment of the invention provides a block chain payment system, which comprises: a memory, a processor, and computer instructions stored on the memory and executed on the processor, the computer instructions, when executed by the processor, performing the steps of the blockchain payment method. The steps of the block chain payment method are the same as those in embodiments 1 and 2, and the embodiments of the present invention are not described herein again.
Those skilled in the art will appreciate that the processor may be a Central Processing Unit (CPU), a controller, a microcontroller, a microprocessor, or other data Processing chip; the Memory includes, but is not limited to, a Random Access Memory (RAM), a flash Memory, a Read-Only Memory (ROM), a programmable Read-Only Memory (ROM), a volatile Memory, a non-volatile Memory, a serial Memory, a parallel Memory, a register, and the like.
Example 4
The embodiment of the invention provides a computer-readable storage medium, wherein a computer program runs on the computer-readable storage medium, and when the computer program is run by a processor, the steps of the block chain payment method are completed. The steps of the block chain payment method are the same as those in embodiments 1 and 2, and the embodiments of the present invention are not described herein again.
The computer-readable storage medium may be a non-volatile storage medium such as a flash Memory, a hard disk, a multimedia card, a card-type Memory (e.g., SD or DX Memory, etc.), a Random Access Memory (RAM), a Static Random-Access Memory (SRAM), a Read-Only Memory (ROM), an Electrically Erasable Programmable Read-Only Memory (EEPROM), a Programmable Read-Only Memory (ROM), a magnetic Memory, a magnetic disk, an optical disk, etc.
The above description describes preferred embodiments of the invention, but it should be understood that the invention is not limited to the above embodiments, and should not be viewed as excluding other embodiments. Modifications made by those skilled in the art in light of the teachings of this disclosure, which are well known or are within the skill and knowledge of the art, are also to be considered as within the scope of this invention.

Claims (10)

1. A blockchain payment method is applied to a blockchain system, and comprises the following steps:
(1) the method comprises the steps that a payer user creates payment information, wherein the payment information comprises payment currency amount or virtual currency amount and payee user information;
(2) sending the payment information to a corresponding payee user in a point-to-point communication mode; the payee user receives payment information of the payer user;
(3) the system judges whether a payee user meets a collection condition, wherein the collection condition is that the payee user transfers a certain number of block link certificates to a payer user; the amount of the blockchain pass certificate transferred from the payee user to the payer user is related to the value of payment; if the payee user meets the collection condition, transferring the payment amount or the virtual currency amount from the account of the payer user to the account of the payee user; otherwise, the account of the payee user cannot receive the amount of the transferred money or the virtual money of the payer user.
2. The blockchain payment method of claim 1,
the block chaining ticket is a unique encrypted digital rights ticket.
3. The blockchain payment method of claim 1,
the block chain system comprises a plurality of block chain network nodes to form a block chain network; the block chain network node is used for storing blocks of the data information of the certificate transfer and linking the blocks to form a block chain;
recording transfer information data of a blockchain pass-certificate between a payer user and a payee user in a node of a blockchain network;
the transfer information data of the block chain general certificate comprises transfer party user information, receiving party user information and time information of the block chain general certificate from the receiving party user to the paying party user.
4. The blockchain payment method of claim 1,
the payment information includes collection condition information of a receiver user, and the collection condition information of the receiver user includes a time condition that the receiver user can collect within a set time limit and the receiver user cannot collect beyond the set time limit.
5. The blockchain payment method of claim 1,
the payment information comprises collection condition information of a collector user, the collection condition information of the collector user comprises a position condition, the position condition is that the collector user can collect money within a set position range, and the collector user cannot collect money outside the set position range.
6. The blockchain payment method of claim 1,
the payment information comprises collection condition information of a collector user, the collection condition information of the collector user comprises a collector user identity attribute condition, if the identity attribute of the collector user meets the set collector user identity attribute condition, the collector user can collect the money, otherwise, the collector user cannot collect the money.
7. The blockchain payment method of claim 1,
the payee user and the payer user can perform point-to-point communication chat.
8. The blockchain payment method of claim 1,
the value of the block chain communication certificate quantity transferred from the payee user to the payer user is a certain proportion of payment value; the proportional value is set by the blockchain system, the payer user or the payee user.
9. A block chain payment system is characterized in that,
the system comprises: a memory, a processor, and computer instructions stored on the memory and executed on the processor, the computer instructions, when executed by the processor, performing the steps of the blockchain payment method of any one of claims 1-8.
10. A computer-readable storage medium, characterized in that,
the computer readable storage medium has a computer program running thereon, which when executed by a processor performs the steps of the blockchain payment method of any one of claims 1 to 8.
CN201910423028.9A 2019-05-21 2019-05-21 Block chain payment method, system and storage medium Pending CN111985911A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201910423028.9A CN111985911A (en) 2019-05-21 2019-05-21 Block chain payment method, system and storage medium

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201910423028.9A CN111985911A (en) 2019-05-21 2019-05-21 Block chain payment method, system and storage medium

Publications (1)

Publication Number Publication Date
CN111985911A true CN111985911A (en) 2020-11-24

Family

ID=73435840

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201910423028.9A Pending CN111985911A (en) 2019-05-21 2019-05-21 Block chain payment method, system and storage medium

Country Status (1)

Country Link
CN (1) CN111985911A (en)

Similar Documents

Publication Publication Date Title
US11847621B2 (en) Systems and methods for math-based currency escrow transactions
US20230274240A1 (en) Transaction signing utilizing asymmetric cryptography
US8701991B2 (en) System and method for preventing fraud by generating new prepaid gift accounts
US20170221053A1 (en) Digital asset conversion
CN110582790A (en) system and method for restricted transaction processing
US8733637B1 (en) Merchant gift card system and method
KR101782443B1 (en) Method for processing payment using virtual money and terminal for card payment thereof
US8266058B1 (en) Virtual accounts linked to financial accounts
US20150026072A1 (en) Global world universal digital mobile and wearable currency image token and ledger
US10637644B1 (en) System and method for authorizing transactions in an authorized member network
BE1025438A1 (en) METHOD FOR AUTHENTICATING A FINANCIAL TRANSACTION IN A BLOCKCHAIN BASED CRYPTOCURRENCY, SMARTCARD AND BLOCKCHAIN AUTHENTICATION INFRASTRUCTURE
CN110163744A (en) A kind of method of payment and device based on block chain
WO2019183823A1 (en) Block chain transaction system and method
JP4006762B2 (en) Procedure for conducting a double-signature secure electronic transaction
US20020042781A1 (en) Universal and interoperable system and method utilizing a universal cardholder authentication field (UCAF) for authentication data collection and validation
CN115485707A (en) Digital currency aggregation process
US20230222498A1 (en) Physical action blockchain
CN106203986A (en) A kind of method of network payment, device, capital management server and system
CN111985911A (en) Block chain payment method, system and storage medium
CN111383092A (en) Cloud computing big data credit limit estimation method and system based on block chain
US20230222494A1 (en) Standardized physical action digital currency
US20240078522A1 (en) Interaction channel balancing
CN106203978A (en) Payment system based on same fund server and method, device and server
CN106203975A (en) Payment system based on same fund server and method of payment, device and server
CN106203981A (en) A kind of method of network payment, device, capital management server and system

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
WD01 Invention patent application deemed withdrawn after publication
WD01 Invention patent application deemed withdrawn after publication

Application publication date: 20201124