CN112967052A - Payment data asset transaction platform and method based on block chain - Google Patents
Payment data asset transaction platform and method based on block chain Download PDFInfo
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- CN112967052A CN112967052A CN202110214015.8A CN202110214015A CN112967052A CN 112967052 A CN112967052 A CN 112967052A CN 202110214015 A CN202110214015 A CN 202110214015A CN 112967052 A CN112967052 A CN 112967052A
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- 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
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- 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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0241—Advertisements
- G06Q30/0251—Targeted advertisements
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- 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
- G06Q30/00—Commerce
- G06Q30/04—Billing or invoicing
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- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The invention discloses a payment data asset transaction platform and method based on a block chain, and relates to the technical field of block chains and payment. The system comprises member users, wherein the member users comprise merchant cash collecting terminals and consumer bills; the system is used for generating payment data, carrying out data acquisition and analysis on mass payment data, generating a payment permit through data authority and information encryption characteristics of a block chain, forming a block chain ecological mode through the payment permit, forming complete consumption, payment and exchange functions, establishing a complete digital credit system, and carrying out conversion between the payment permit and products by member users. Also provides a processing method of payment transaction data, S1, data acquisition; s2: analyzing data; s3, encrypting data; s4: and (4) data application. The invention forms payment general certificate through the block chain, and the value of the payment general certificate is realized through presentation, circulation, consumption and other modes, and the value is continuously added.
Description
Technical Field
The invention relates to the technical field of block chains and payment, in particular to a payment data asset transaction platform and a payment data asset transaction method based on the block chains.
Background
The payment transaction data refers to an independent mechanism with certain strength and credit guarantee, the invoice amount generated by a Chinese tax system, the payment data amount generated by a Chinese Union Pay and a Chinese Internet Union, and an offline payment and network payment mode for facilitating the transaction of two transaction parties by butting, and finally realizes a payment behavior for transferring funds from the payment direction to the transferee, and a block chain is commonly maintained by multiple parties, uses cryptography to ensure the transmission and access safety, can realize a technical system with consistent data storage, no falsification and no repudiation, in the digital economic era, a producer and a consumer are integrated, a producer of products and services is also a consumer, the demand of direct transaction is continuously expanded, at the moment, the traditional centralized working mode can be changed through the block chain technology, and a new credible transaction architecture under an incredible environment is further constructed, the assured and secure storage of personal data assets is naturally accomplished. However, the current payment cost is higher due to the restriction of factors such as technical cost, profit capability, operation mode and the like, and the electronic payment operation cost is generally higher. Taking the third party payment as an example, the third party payment needs to pay 0.1% of commission charge to the bank every time the bank quick payment interface is called, thereby increasing the operation cost of the third party payment platform. In the market with fierce third-party payment competition, most third-party payment platforms are in a loss state except that the profit is realized by some platforms with good public praise such as precious payment, financial payment and the like. Although the third party payment platform can charge the handling fee to the merchant who carries out the transaction and the user who exceeds a certain cash withdrawal amount, the charged fee cannot make up for the operation cost; therefore, a secure and convenient payment system and method are urgently needed.
Disclosure of Invention
The invention aims to provide a payment data asset transaction platform and a payment data asset transaction method based on a block chain.
In order to achieve the purpose, the technical scheme of the invention is as follows: a payment data asset transaction platform based on a block chain comprises member users, wherein the member users of the asset transaction platform comprise a merchant cash collecting terminal and a consumer bill;
the merchant cash register terminal is a terminal capable of generating transaction data, including but not limited to two-dimensional codes, POS machines and quick payment, and the consumer bill is a full invoice uploaded by a consumer after consumption;
the merchant cash-collecting terminal and the consumer bill are used for generating payment data, the payment data are subjected to data acquisition and analysis through mass payment data stored in the cloud, the payment data are packaged and sorted according to the transaction type of the member user, and a payment receipt is generated through data authority and information encryption characteristics of a block chain;
the payment voucher is used for forming a block chain ecological mode, forming complete consuming, paying and exchanging functions, establishing a complete digital credit system and further obtaining circulation and added value of the payment voucher;
the system also comprises a mall end;
the payment permit is mutually converted with the mall end and used for the member user to convert the payment permit and the product.
Further, the payment evidence adopts a decentralized technical principle of a block chain, and is used for realizing a negotiable and negotiable evidence system mode.
Further, the asset transaction platform also comprises an advertisement service promotion module, wherein the advertisement service promotion module is used for advertising on the asset transaction platform, a member user obtains a task value through sign-in, video learning and promotion, and the task value is used for unfreezing payment evidence.
A method for payment transaction data is applied to the block chain-based payment data asset transaction platform,
the method comprises the following steps:
and S1, data acquisition: when the merchant cash register terminal generates transaction data and an invoice bill uploaded by a consumer, payment data are generated, and data acquisition is completed;
s2: and (3) data analysis: carrying out data portrait analysis on the payment data, and storing an analysis result in a system;
s3, data encryption: encrypting the payment data;
s4, data application: and customizing the marketing scheme through the analysis result.
Further, the step S2 is specifically:
s21, subdividing the customer groups through analysis of mass data and big data stored in the cloud;
s21: the transaction data and the transaction behaviors are stored and analyzed in real time through big data analysis and a block chain technology, data are integrated and then data mining and analysis are carried out, and a corresponding model is selected through an analysis result.
Further, the step S3 is specifically: the computer compiles a JWT for the access token authentication method, and the server and computer accept the JWT and provide the access token.
Further, the step S4 is specifically: and (3) according to the analysis result of the data, according to the preference, the consumption capacity and the consumption habit of the client, a marketing scheme which accords with the accurate client is made, so that the marketing is maximized.
Due to the adoption of the technical scheme, the invention has the following beneficial effects: 1. through the transaction platform, the profit of storage can be realized through cash flows formed by consumers and merchants in the process of buying and selling;
2. the payment voucher adopts a block chain decentralized technical principle, and the intellectualization is gradually realized through a profit development chain, so that a voucher system mode capable of realizing circulation and exchange is realized. The participator can realize income in each step and realize various investments, and the payment voucher will increase value continuously along with the increase of data volume;
3. the user of the platform of the invention can generate transaction data when paying, the transaction data can generate corresponding commission fee, and all the agents for project promotion can obtain different commission fees according to monthly transaction data volume;
4. the platform is provided with the advertisement service promotion module, advertisements can be put in through the platform, and users can see videos to pay the unfreezing value of the general evidence, so that a large amount of advertisement profits can be generated along with the increase of fan users.
Drawings
FIG. 1 is a system block diagram of a payment data capitalization transaction platform of the present invention;
FIG. 2 is a flow chart of a method of processing payment transaction data of the present invention.
Detailed Description
For a better understanding of the present invention by those skilled in the art, the present invention will be described in further detail below with reference to the accompanying drawings and the following examples.
Example 1
Referring to fig. 1, a payment data capitalization transaction platform based on a block chain includes a member user in this embodiment, the member user of the capitalization transaction platform includes a merchant cash collecting terminal and a consumer bill, the merchant cash collecting terminal of this embodiment is a terminal capable of generating transaction data, and includes but is not limited to a two-dimensional code, a quick payment and a POS machine, the consumer bill is a full-amount invoice uploaded after consumption by a consumer, it needs to be pointed out that the bill represents the invoice, the monthly transaction data performed by the member user is more, the payment commission is more, a system can give payment evidence of a corresponding proportion to the member user along with the increase of transaction amount, and more profits can be obtained by increasing the number of the payment evidence;
the merchant cash collecting terminal and the consumer bill of the embodiment refer to terminals capable of generating invoices after payment and comprise two-dimensional codes including but not limited to a POS (point of sale) machine and the two-dimensional codes, the merchant cash collecting terminal and the consumer bill generate payment data, the payment data are subjected to data acquisition and analysis through mass payment data, the payment data are packaged and sorted according to the transaction type of a user, and payment passes are generated through data authority and information encryption characteristics of a block chain;
the payment permit is used for forming a block chain ecological mode, forming complete consumption, payment and exchange functions, establishing a complete digital credit system and further obtaining circulation and added value of the payment permit, because the rights and obligations of any node are equal, point-to-point transaction is realized among users, a third party intermediary is not needed, and potential safety hazards that a third party organization caches data and reveals the data are removed;
the payment general evidence is through carrying out interconversion with the shopping mall for the user carries out the exchange of commodity and cash, but the conversion proportion is different, and the exchange proportion between payment general evidence and the market end is 1: 1, such as a user purchasing 100 dollars of products in a mall, may be redeemed with 50 payment certificates plus 50 dollars of cash. The proportion of the handling fee generated by the payment data is that 10000 yuan of payment amount of card swiping is generally between 3.8 per thousand and 6 per thousand according to the payment type, for example, 6 per thousand of POS machine has 60 yuan of handling fee, 3.8 per thousand of two-dimension code and quick payment is 3.8 per thousand, 38 yuan of handling fee is provided, and corresponding payment general evidence is generated according to the amount of the handling fee. The payment evidence adopts the principle of a decentralized technology of a block chain, is used for realizing a evidence communication system mode capable of communicating and conquering, through the characteristics of disintermediate trust, collective maintenance, credit creation and the like of the blockchain, the payment general evidence realized by combining the payment data not only can realize secondary consumption, but also can be effectively utilized and added with value for a plurality of times, the blockchain is the fastest-developing investment project in the world at present, while the ordinary user obtains the payment general certificate through the data of the payment transaction and the invoice amount, the payment general certificate circulates in a block chain mode to achieve the effective utilization and upgrading of capital again, so that the user can buy things in the mall by only spending half of money, the commodities at the mall end of the embodiment are mainly special local products, through consumption of a large number of basic data groups, special local products can be driven to go out of mountains, and income of people in remote mountain areas and local economic construction are increased;
this platform still includes advertisement service promotion module, because the payment of this platform is the frozen state after the voucher forms, the member user wants to pay the automatic cash release of voucher, just need convert through unblock this frozen state, so the member user can do the task through advertisement service promotion module and unfreeze, the advertisement service promotion module of this embodiment is used for carrying out the advertisement at this capitalization transaction platform and puts in, the user can be through signing in, the unfreezing of payment voucher is carried out in video study and popularization. This project has a large amount of users, so is equipped with the advertisement business and promotes the task at this platform, and the advertisement can be put in through the platform end, and the user can see that the video study carries out the unfreezing of payment voucher, consequently will produce a large amount of advertisement profits along with user's increase, along with this platform is continuous uses widely nationwide, and the advertisement can be seen by more crowds, and the advertisement income will also increase thereupon.
Example 2
Referring to fig. 2, the present embodiment provides a method of paying for transaction data, including the steps of:
and S1, data acquisition: when the merchant cash register terminal generates transaction data and an invoice bill uploaded by a consumer, payment data are generated, and data acquisition is completed;
s2: and (3) data analysis: carrying out data portrait analysis on the payment data, and storing an analysis result in a system;
s3, data encryption: encrypting the payment data;
s4, data application: and customizing the marketing scheme through the analysis result.
Further, step S2 is specifically:
s21, subdividing the customer groups through analysis of mass data and big data stored in the cloud;
s21: the transaction data and the transaction behaviors are stored and analyzed in real time through big data analysis and a block chain technology, data are integrated and then data mining and analysis are carried out, and a corresponding model is selected through an analysis result.
Further, step S3 is specifically: the computer compiles a JWT for the access token authentication method, and the server and computer accept the JWT and provide the access token.
Further, step S4 is specifically: and (3) according to the analysis result of the data, according to the preference, the consumption capacity and the consumption habit of the client, a marketing scheme which accords with the accurate client is made, so that the marketing is maximized.
Claims (7)
1. A payment data asset transaction platform based on a block chain comprises member users and is characterized in that: the member users of the asset transaction platform comprise merchant cash collecting terminals and consumer bills;
the merchant cash register terminal is a terminal capable of generating transaction data, and includes but is not limited to two-dimensional codes, quick payment and a POS machine, and the consumer bill is a full invoice uploaded by a consumer after consumption;
the merchant cash-collecting terminal and the consumer bill are used for generating payment data, the payment data are subjected to data acquisition and analysis through mass payment data stored in the cloud, the payment data are packaged and sorted according to the transaction type of the member user, and a payment receipt is generated through data authority and information encryption characteristics of a block chain;
the payment voucher is used for forming a block chain ecological mode, forming complete consuming, paying and exchanging functions, establishing a complete digital credit system and further obtaining circulation and added value of the payment voucher;
the system also comprises a mall end;
the payment permit is mutually converted with the mall end and used for the member user to convert the payment permit and the product.
2. The blockchain-based payment data capitalization transaction platform of claim 1, wherein: the payment evidence adopts a decentralized technical principle of a block chain and is used for realizing a evidence communication system mode capable of communicating and conquering.
3. The blockchain-based payment data capitalization transaction platform of claim 1, wherein: the asset transaction platform also comprises an advertisement service promotion module, wherein the advertisement service promotion module is used for advertising on the asset transaction platform, a member user obtains a task value through sign-in, video learning and promotion, and the task value is used for unfreezing payment evidence.
4. A method for payment transaction data, which is applied to the block chain-based payment data asset transaction platform of claims 1-3, and is characterized in that:
the method comprises the following steps:
and S1, data acquisition: when the merchant cash register terminal generates transaction data and an invoice bill uploaded by a consumer, payment data are generated, and data acquisition is completed;
s2: and (3) data analysis: carrying out data portrait analysis on the payment data, and storing an analysis result in a system;
s3, data encryption: encrypting the payment data;
s4, data application: and customizing the marketing scheme through the analysis result.
5. A method of paying for transaction data according to claim 4, characterised in that: the step S2 specifically includes:
s21, subdividing the customer groups through analysis of mass data and big data stored in the cloud;
s21: the transaction data and the transaction behaviors are stored and analyzed in real time through big data analysis and a block chain technology, data are integrated and then data mining and analysis are carried out, and a corresponding model is selected through an analysis result.
6. A method of paying for transaction data according to claim 4, characterised in that: the step S3 specifically includes: the computer compiles a JWT for the access token authentication method, and the server and computer accept the JWT and provide the access token.
7. A method of paying for transaction data according to claim 4, characterised in that: the step S4 specifically includes: and (4) according to the analysis result of the data, according to the preference, the consumption capacity and the consumption habit of the client, a marketing scheme conforming to the client is made for maximizing marketing.
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| CN112116408A (en) * | 2020-09-30 | 2020-12-22 | 深圳市玖昔科技发展股份有限公司 | Integral operation platform based on block chain |
| KR102211597B1 (en) * | 2020-05-22 | 2021-02-03 | 대영유비텍 주식회사 | Method and system for dealing a personal data |
| CN112381598A (en) * | 2020-10-26 | 2021-02-19 | 泰康保险集团股份有限公司 | Product service information pushing method and device |
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2021
- 2021-02-26 CN CN202110214015.8A patent/CN112967052A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105719139A (en) * | 2016-01-20 | 2016-06-29 | 李政德 | Mobile fusion electronic payment method adopting participation of electronic vouchers in consumption payment |
| CN109934672A (en) * | 2019-02-19 | 2019-06-25 | 薛伟忠 | A kind of E-shop system economic based on the logical card of block chain |
| CN111639985A (en) * | 2020-05-13 | 2020-09-08 | 广州永惠网络科技股份有限公司 | Consumption asset income management system |
| KR102211597B1 (en) * | 2020-05-22 | 2021-02-03 | 대영유비텍 주식회사 | Method and system for dealing a personal data |
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