CN115345729A - Credit card issuing method and device, electronic equipment and storage medium - Google Patents
Credit card issuing method and device, electronic equipment and storage medium Download PDFInfo
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- CN115345729A CN115345729A CN202211007358.8A CN202211007358A CN115345729A CN 115345729 A CN115345729 A CN 115345729A CN 202211007358 A CN202211007358 A CN 202211007358A CN 115345729 A CN115345729 A CN 115345729A
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/602—Providing cryptographic facilities or services
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/604—Tools and structures for managing or administering access control systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
Abstract
The method comprises the steps of generating a target credit card identifier and a target user address of a target user on a block chain according to first card information of the target credit card and user information of the target user, uploading second card information of the target credit card to the block chain, calling a credit card intelligent contract in the block chain to process the second card information to obtain a target NFT corresponding to the target credit card, binding the target user and the target NFT, generating a public key and a private key of the target credit card, storing the public key of the target credit card in the block chain, and sending the private key of the target credit card to the target user. By deploying credit cards in the form of NFT in the blockchain, the entity credit cards do not need to be issued to users, and therefore the risk of asset loss is reduced.
Description
Technical Field
The present application relates to the field of financial technologies, and in particular, to a credit card issuing method, device, electronic device, and storage medium.
Background
At present, in the using process of a credit card, a card holder often has the problem that the card is lost or stolen, in the time that the card is stolen, the card is found to be stolen by the card holder, a bank is caused to report the card loss, and the time consumed for operation in the whole process that the bank receives the card holder appeals to report the card loss is longer, so that longer operable time is provided for the stealing behavior, the property loss of the card holder is easily caused, and the property loss of the bank is indirectly caused.
Therefore, the current credit card mechanism has the technical problem of higher risk of loss of customer and bank assets, and needs to be improved.
Disclosure of Invention
The embodiment of the application provides a credit card issuing method, a credit card issuing device, electronic equipment and a storage medium, which are used for relieving the technical problem of higher loss risk of customers and bank assets in the current credit card mechanism.
In order to solve the above technical problem, the embodiments of the present application provide the following technical solutions:
the application provides a credit card issuing method, which comprises the following steps:
generating a target credit card identifier and a target user address of a target user on a block chain according to first card information of the target credit card and user information of the target user;
uploading second card information of the target credit card to the block chain, and calling a credit card smart contract in the block chain to process the second card information to obtain a target NFT corresponding to the target credit card;
binding the target user with the target NFT and generating a public key and a private key of the target credit card;
and storing the public key of the target credit card in the block chain, and sending the private key of the target credit card to the target user.
Meanwhile, the embodiment of the application also provides a card issuing device of the credit card, which comprises:
the generation module is used for generating a target credit card identifier and a target user address of a target user on a block chain according to first card information of the target credit card and user information of the target user;
the processing module is used for uploading second card information of the target credit card to the block chain, calling a credit card smart contract in the block chain to process the second card information, and obtaining a target NFT corresponding to the target credit card;
a binding module, configured to bind the target user with the target NFT, and generate a public key and a private key of the target credit card;
and the sending module is used for storing the public key of the target credit card in the block chain and sending the private key of the target credit card to the target user.
The application also provides an electronic device comprising a memory and a processor; the memory stores an application program, and the processor is configured to run the application program in the memory to perform any of the steps of the credit card issuing method.
The embodiment of the application provides a computer-readable storage medium, which stores a plurality of instructions, and the instructions are suitable for being loaded by a processor to execute the steps in the credit card issuing method.
Has the advantages that: the method comprises the steps of generating a target credit card identifier and a target user address of a target user on a block chain according to first card information of the target credit card and user information of the target user, uploading second card information of the target credit card to the block chain, calling a credit card intelligent contract in the block chain to process the second card information to obtain a target NFT corresponding to the target credit card, binding the target user and the target NFT, generating a public key and a private key of the target credit card, storing the public key of the target credit card in the block chain, and sending the private key of the target credit card to the target user. According to the method and the system, the credit card is deployed in the block chain in the form of NFT, and then the user and the NFT are bound for issuing the card, so that the credit card of an entity does not need to be issued to the user, and therefore the asset loss risk caused by the loss or embezzlement of the credit card is reduced.
Drawings
The technical solutions and other advantages of the present application will become apparent from the following detailed description of specific embodiments of the present application when taken in conjunction with the accompanying drawings.
Fig. 1 is a schematic view of an application scenario of a credit card issuing method according to an embodiment of the present application.
Fig. 2 is a schematic flowchart of a card issuing method for a credit card according to an embodiment of the present disclosure.
FIG. 3 is a logic diagram illustrating a first processing logic for a credit card transaction request according to an embodiment of the present application.
FIG. 4 is a diagram illustrating a second processing logic for a credit card transaction request according to an embodiment of the present application.
Fig. 5 is a schematic structural diagram of a card issuing device for a credit card according to an embodiment of the present application.
Fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application. It should be apparent that the described embodiments are only a few embodiments of the present application, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
The embodiment of the application provides a card issuing method, a device, an electronic device and a computer readable storage medium for a credit card, wherein the card issuing device for the credit card can be integrated in the electronic device, and the electronic device can be a server or a terminal and other devices.
Referring to fig. 1, fig. 1 is a schematic view of a scenario of a credit card issuing method application provided in an embodiment of the present application, where the scenario may include terminals and servers, and communication is performed between the terminals, between the servers, and between the terminals and the servers through internet composed of various gateways, and the application scenario includes a client 11, a server 12, and a blockchain 13; wherein, the client 11 uses the device used by the bank or the user; the server 12 includes a local server and/or a remote server, etc.
The client 11, the server 12 and the blockchain 13 are located in a wireless network or a wired network to realize data interaction among the three, wherein:
the method comprises the steps that a target user initiates a card application for a target credit card at a client 11, applies for processing a certain type of credit card, a server 12 responds to the card application, first card information of the target credit card and user information of the target user are obtained firstly, then a target credit card identifier and a target user address of the target user on a block chain 13 are generated according to the first card information and user credit, second card information of the target credit card is uploaded to the block chain 13, a credit card smart contract in the block chain 13 is called to process the second card information, a target NFT corresponding to the target credit card is obtained, the target user and the target NFT are bound, a public key and a private key of the target credit card are generated, finally the public key of the target credit card is stored in the block chain 13, the private key of the target credit card is sent to the client 11, and the target user obtains the private key from the client 11 to store. Thus, the card issuing process for the target credit card is completed, and the target user can use the target credit card to conduct various transactions.
It should be noted that the system scenario diagram shown in fig. 1 is only an example, and the server and the scenario described in the embodiment of the present application are for more clearly illustrating the technical solution of the embodiment of the present application, and do not form a limitation on the technical solution provided in the embodiment of the present application, and as a person having ordinary skill in the art knows, with the evolution of the system and the occurrence of a new service scenario, the technical solution provided in the embodiment of the present application is also applicable to similar technical problems. The following are detailed below. It should be noted that the following description of the embodiments is not intended to limit the preferred order of the embodiments.
Referring to fig. 2, fig. 2 is a schematic flowchart illustrating a card issuing method for a credit card according to an embodiment of the present application, where the method includes:
s1: and generating a target credit card identifier and a target user address of the target user on the block chain according to the first card information of the target credit card and the user information of the target user.
The credit card refers to a financial product with bank credit line and overdraft functions. When a user wants to use a credit card, the user needs to apply to a bank, and after the bank obtains the relevant information of the user, the user information and the credit card information are bound, and then the credit card is issued.
In an embodiment of the present application, credit cards are deployed in a Blockchain (Blockchain). The 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, is a decentralized database essentially, and is a string of data blocks which are produced by correlation through a cryptography method, and each data block contains information of a batch of network transactions, and is used for verifying the validity (anti-counterfeiting) of the information and generating the next block.
When a target user wants to have a target credit card in the blockchain, the target user needs to generate a target credit card identification and a target user address of the target user on the blockchain for the target user. The target user address refers to an address owned by the target user on the blockchain, and when the target user has the address, the target user can be used as an asset holder in the blockchain, and the address can be used as a unique address account of the target user in the blockchain. The target credit card identifier is a token id of a certain credit card in the block chain, that is, a serial number, and when the target user has the token id, the target user can own the target credit card corresponding to the token id in the block chain, and the unique target credit card can be determined according to the token id. After the target credit card identification is generated, the subsequent request sent by the target user for the target credit card carries the target credit card identification.
In one embodiment, S1 specifically includes: acquiring first card information of a target credit card, wherein the first card information comprises card type information and card image information of the target credit card; acquiring user information of a target user, wherein the user information comprises identification information, user attribute information and user biological characteristic information of the target user; and encrypting the first card information and the user information through an encryption algorithm to generate a target credit card identifier and a target user address of the target user on the block chain.
The first card information includes card type information and card image information including a target credit card. In general, banks can issue various types of credit cards, such as platinum cards, gold cards, ordinary cards and the like according to credit rating classification, joint cards, non-joint cards and the like according to whether joint names exist, and different types of cards correspond to different bonus rights. Thus, the card type information is used to indicate which type of card the target credit card belongs to, and the same credit card may have a plurality of types in different dimensions, such as a joint gold card. The credit card display method includes the steps that each credit card is provided with a corresponding image, the credit card displayed in the image is of a rectangular structure and is divided into a front side and a back side, each side is provided with certain characters and pictures, the characters can include card numbers, user names, serial numbers and the like, the pictures can include various design patterns such as logos, the image of each credit card is a unique image, and card image information is used for representing the appearance of a target credit card.
The user information includes identification information of the target user, user attribute information, and user biometric information. The target user needs to hold a legal and effective identification, and the identification information may include various effective certificates which can be used to represent the identification and authority of the target user, such as a personal identification card, an organization identification, an asset identification, and the like. The user attribute information includes information on the name, age, address, possession of another credit card, and the like of the user. The user biometric information includes information for authenticating the user, such as a user image, a user video, or a user fingerprint.
After the first card information and the user information are obtained, the first card information and the user information are encrypted through an encryption algorithm to obtain a target credit card identification and a target user address belonging to the target user, and an SHA256 encryption algorithm can be adopted during encryption.
S2: and uploading the second card information of the target credit card to the block chain, and calling a credit card intelligent contract in the block chain to process the second card information to obtain a target NFT corresponding to the target credit card.
The second card information may include attribute information such as a type, an image, a card number, an account opening row, a serial number, etc. of the target credit card, functional information required for various transaction behaviors, configuration information required for deploying the target credit card, etc. And after the second card information of the target credit card is uploaded to the block chain, calling a pre-issued credit card intelligent contract from the block chain, and processing the second card information according to the intelligent contract, so that the target credit card is taken as a target NFT to be deployed on the block chain.
An intelligent contract is a computer protocol intended to propagate, validate or execute contracts in an informational manner, which is a digitally defined commitment that governs digital assets and that contains the rights and obligations promised by contract participants, and is automatically executed by a computer system. The developer can define the relevant logic of the intelligent contract through a certain programming language, distribute the logic to the blockchain (namely, register the intelligent contract), and execute the contract logic based on certain event triggering according to the relevant logic of each term in the intelligent contract. In the embodiment of the application, the credit card smart contract refers to a smart contract established for the issuance of a credit card and the automatic execution of a transaction process.
Each NFT can represent a unique digital data, can be used as an electronic certificate or certificate of ownership of a virtual good, and has characteristics of uniqueness, non-tamper property, verifiability and the like. The target credit card is processed as a target NFT, i.e., the target credit card is deployed in the blockchain in the form of a digital asset and participates in asset transactions in the form of a target NFT.
In one embodiment, S2 specifically includes: uploading second card information of the target credit card to a Solana public chain of the block chain; calling a credit card intelligent contract in the Solana public link to process the second card information to obtain a target metadata link; and processing the second card information into a target format and storing the target format in the target metadata link to obtain a target NFT corresponding to the target credit card.
In the embodiment of the application, the second card information of the target credit card is uploaded to the Solana public link of the block chain, the Solana public link is a high-TPS and high-expansibility public link in the block chain, and the credit card smart contract is issued in the Solana public link. And when the second card information is detected to be uploaded, automatically calling a credit card smart contract in the Solana public chain to process the second card information, wherein the processing mainly comprises three steps of newly building a block in the Solana public chain of the block chain, verifying the second card information and inputting the verified second card information into a newly-built block. After the new creation of the block and the verification of the second card information are completed, a target metadata link, namely a token URL, can be generated, the link is used for storing description information of the target credit card, namely metadata of the target credit card, including characters, pictures and the like, the token URI can be a link of protocols such as http, ipfs, ar and the like, and different protocol storage modes are different. After the target metadata link is generated, the second card information is processed into corresponding description information and stored in the target metadata link, and then the link and the stored description information can be used for representing an NFT, namely a target NFT corresponding to a target credit card.
In one embodiment, before S2, further comprising: acquiring a first corresponding mode parameter between each user address and each credit card identification and a second corresponding mode parameter of each credit card identification and metadata link; a credit card smart contract is deployed on the blockchain based on the first corresponding mode parameter and the second corresponding mode parameter.
Because the same user has a unique user address in the blockchain, but the same user can handle only one credit card or a plurality of credit cards in the same bank, the description information of one credit card can be stored in only one metadata link or a plurality of metadata links. Therefore, in the intelligent contract, the agreement needs to be made on the relationships between the relevant parameters. The first corresponding mode parameter is used for indicating whether a one-to-many mode or a one-to-one mode is formed between each user address and each credit card identification, and the second corresponding mode parameter is used for indicating whether a one-to-many mode or a one-to-one mode is formed between each credit card identification and the metadata link. In the embodiment of the application, the first corresponding mode parameter is taken as a pair of multiple modes, which indicates that a user can own multiple credit cards, and the second corresponding mode parameter is taken as a one-to-one mode, which indicates that the description information of each credit card is stored in a unique link. After both modes are obtained, the relevant implementation of the mode is written into the credit card smart contract and deployed on the blockchain.
S3: and binding the target user with the target NFT and generating a public key and a private key of the target credit card.
A complete NFT needs to have three elements: address of NFT owner, number of NFT, metadata link of NFT. Therefore, after the target user is bound with the target NFT, because the target user has a target credit card identifier and a target user address in the block chain, the target NFT obtained in the above steps has a target metadata link, the target user is the owner of the target NFT after the target user is bound, the target user address is the address of the target NFT owner, and the target credit card identifier is the number of the target NFT. After binding, for any target NFT in the block chain, the address of the owner thereof can be found according to the corresponding number, that is, the token id, and the description information of the NFT is obtained from the metadata link. Completion of the binding indicates that ownership of the target NFT belongs to the address account of the target user.
In some current NFT related schemes, a number of the NFT is directly generated by a smart contract, and the number is generated based on only information of the NFT itself, whereas in the embodiment of the present application, the token id is generated by encrypting first card information and user information, and compared with directly numbering a target credit card, the token id has more information amount and higher security level, and tampering needs to acquire all information of the user and all information of the credit card at the same time, so that the token id is less prone to be forged, and the risk of asset loss is further reduced.
After binding, the public and private keys of the target credit card are generated. The private key is the most critical thing in managing and using digital assets, and the private key determines ownership, who owns the private key, and who owns the digital assets. The private key is typically generated by a random number generator and then encrypted via an elliptic curve algorithm to generate the public key, both of which are a combination of a string of numbers and letters. The private key and the public key appear in pairs, the public key is used for encryption and decryption, namely the public key is used for encrypting the original data, and only the corresponding private key can unlock the original data, so that the original data can be spread in a network and can not be stolen, and the privacy is protected; private key signature, public key signature verification, namely, the private key is used for signing the original data, and only the corresponding public key can verify that the signature string is matched with the original data.
S4: and storing the public key of the target credit card in the block chain, and sending the private key of the target credit card to the target user.
After the public key and the private key are obtained, the public key is stored in an IPFS system in a block chain, so that the public key can be disclosed to all nodes, and no risk exists after the public key is disclosed; and sending the private key to the target user for storage, wherein the private key can be used as a certificate owned by the target user to the target credit card. Through the above process, the card issuing process for the target credit card is completed.
In one embodiment, after S4, the method further includes: receiving a transaction request aiming at a target credit card, wherein the transaction request carries a private key and transaction data of the target credit card; acquiring a public key of a target credit card from the block chain according to the transaction request; verifying the transaction authority of the transaction request according to the private key and the public key; and when the authority verification passes, acquiring a target transaction data storage address of the target credit card from the block chain, and executing read-write operation on transaction data based on the target transaction data storage address and the transaction request.
After the target credit card is issued successfully, the target user may use the target credit card to conduct a transaction. When a transaction is initiated, the server receives a transaction request aiming at a target credit card, the transaction request carries a private key and transaction data of the target credit card, the private key is generated in the previous steps and is sent to a target user for storage, and the transaction data is data generated by the transaction action at this time and comprises various information such as transaction time, transaction amount, transaction place, transaction merchant and transaction account number. The server responds to the request, firstly obtains the public key of the target credit card from the block chain, the public key is generated in the previous steps and stored in the corresponding position of the block chain, and then the transaction authority of the transaction request is verified together according to the private key and the public key, namely whether the current user has the authority of using the target credit card to conduct transaction. Specifically, a digital signature is generated for the transaction request through a private key, the digital signature is authenticated through a public key, and the authentication indicates that the current transaction request user is the actual owner of the target NFT corresponding to the target credit card in the block chain and has the right to use the target credit card for transaction. At this time, the server acquires a target transaction data storage address of the target credit card from the blockchain, wherein the target transaction data storage address is used for storing all transaction data generated in the transaction process of the target credit card, and then, based on a transaction request, the transaction data generated this time is written into the target transaction data storage address (for example, the transaction data generated when a certain commodity is purchased by using the target credit card) or the transaction data is read from the target transaction data storage address (for example, the remaining amount of the target credit card is inquired).
In one embodiment, the step of obtaining the target transaction data storage address of the target credit card from the blockchain specifically comprises: determining a corresponding target credit card identifier according to the transaction request; acquiring a first corresponding relation between each user address and each credit card identifier in a block chain and a second corresponding relation between each user address and each transaction data storage address from a credit card smart contract; and determining a target transaction data storage address of the target credit card in the block chain according to the target credit card identification, the first corresponding relation and the second corresponding relation.
The transaction request needs to specify which credit card the request is for, so the transaction request generated carries the target credit card identification. The first corresponding relation between each user address and each credit card identification and the second corresponding relation between each user address and each transaction data storage address are defined in the credit card smart contract, and each corresponding relation established based on the credit card smart contract is stored in a block chain.
As shown in fig. 3, the first corresponding relationship may be a one-to-many corresponding relationship, or a one-to-one corresponding relationship, for example, the user address a simultaneously corresponds to the credit card identifier a, the credit card identifier B, and the credit card identifier c, which indicates that all three credit cards with the credit card identifiers a, B, and c are held by the same user with the user address a, and the user address B only corresponds to the credit card identifier d, which indicates that the credit card with the credit card identifier d is held by the same user with the user address B. The second corresponding relationship may be a one-to-one corresponding relationship, for example, the user address a corresponds to the transaction data storage address C, all transaction data indicating the user with the user address a is stored in the transaction data storage address C, the user address B corresponds to the transaction data storage address D, and all transaction data indicating the user with the user address B is stored in the transaction data storage address D. After the target credit card identifier is obtained, which credit card the transaction request corresponds to may be determined according to the target credit card identifier, which user address the credit card belongs to may be determined according to the first corresponding relationship, and which transaction data storage address the user address corresponds to may be determined according to the second corresponding relationship. In this embodiment, the transaction data storage address is an address on the blockchain, and the transaction data is stored in the blockchain, so that the transaction data is not tampered, and the security of the transaction is improved.
In one embodiment, the step of obtaining the target transaction data storage address of the target credit card from the blockchain specifically comprises: determining a corresponding target credit card identifier according to the transaction request; acquiring a first corresponding relation between each user address and each credit card identifier in a block chain and a third corresponding relation between each user address and each transaction data storage external chain from a credit card intelligent contract; and determining a target transaction data storage address of the target credit card outside the blockchain according to the target user address, the first corresponding relation and the third corresponding relation.
The first corresponding relation between each user address and each credit card identification and the third corresponding relation between each user address and each transaction data storage external chain are defined in the credit card intelligent contract, and each corresponding relation established based on the credit card intelligent contract is stored in the block chain. As shown in fig. 4, the first corresponding relationship may be a one-to-many corresponding relationship, or a one-to-one corresponding relationship, for example, the user address a simultaneously corresponds to the credit card identifier a, the credit card identifier B, and the credit card identifier c, which indicates that all three credit cards with the credit card identifiers a, B, and c are held by the same user with the user address a, and the user address B only corresponds to the credit card identifier d, which indicates that the credit card with the credit card identifier d is held by the same user with the user address B. The third corresponding relationship may be a one-to-one corresponding relationship, for example, the user address a corresponds to the transaction data storage external link f, and all transaction data of the user with the user address a are stored in an address (for example, the transaction data storage address C) outside one block link, where the address is obtained by accessing the transaction data storage external link f; the user address B corresponds to the transaction data storage external link g, and all transaction data indicating the user with the user address B are stored in an address (such as the transaction data storage address D) outside one block link, and the address can be obtained by accessing the transaction data storage external link g. After the target credit card identifier is obtained, which credit card corresponds to the transaction request can be determined according to the target credit card identifier, which user address the credit card belongs to is determined according to the first corresponding relationship, which transaction data storage external link corresponds to the user address is determined according to the third corresponding relationship, and then the target transaction data storage address outside the block link is determined according to the transaction data storage external link. Due to the high cost of storing data in the blockchain, in this embodiment, only the credit card may be deployed in the blockchain, and the transaction data of the credit card may be stored in an address outside the blockchain while taking security and economy into account.
According to the embodiment, the credit card issuing method of the application includes generating a target credit card identifier and a target user address of a target user on a block chain according to first card information of the target credit card and user information of the target user, uploading second card information of the target credit card to the block chain, calling a credit card intelligent contract in the block chain to process the second card information to obtain a target NFT corresponding to the target credit card, binding the target user with the target NFT, generating a public key and a private key of the target credit card, storing the public key of the target credit card in the block chain, and sending the private key of the target credit card to the target user. According to the method and the system, the credit card is deployed in the block chain in the form of NFT, and then the user and the NFT are bound for issuing the card, so that the credit card of an entity does not need to be issued to the user, and therefore the asset loss risk caused by the loss or embezzlement of the credit card is reduced.
Based on the method described in the above embodiment, the present embodiment will be further described from the perspective of a card issuing device of a credit card, and referring to fig. 5, the card issuing device of a credit card may include:
the generating module 110 is configured to generate a target credit card identifier and a target user address of a target user on a block chain according to first card information of the target credit card and user information of the target user;
the processing module 120 is configured to upload second card information of the target credit card to the block chain, and invoke a credit card smart contract in the block chain to process the second card information to obtain a target NFT corresponding to the target credit card;
a binding module 130, configured to bind the target user with the target NFT, and generate a public key and a private key of the target credit card;
a sending module 140, configured to store the public key of the target credit card in the block chain, and send the private key of the target credit card to the target user.
In one embodiment, the generation module 110 includes:
the first acquisition submodule is used for acquiring first card information of a target credit card, and the first card information comprises card type information and card image information of the target credit card;
the second obtaining submodule is used for obtaining user information of the target user, and the user information comprises identification information, user attribute information and user biological characteristic information of the target user;
and the generation submodule is used for encrypting the first card information and the user information through an encryption algorithm to generate a target credit card identifier and a target user address of the target user on the block chain.
In one embodiment, the processing module 120 includes:
the uploading sub-module is used for uploading the second card information of the target credit card to a Solana public chain of the block chain;
the casting submodule is used for calling a credit card intelligent contract in the Solana public chain to process the second card information to obtain a target metadata link;
and the processing sub-module is used for processing the second card information into a target format and storing the target format in the target metadata link to obtain a target NFT corresponding to the target credit card.
In one embodiment, the card issuing apparatus for a credit card further includes:
the first acquisition module is used for acquiring first corresponding mode parameters between each user address and each credit card identifier and second corresponding mode parameters of each credit card identifier and the metadata link;
a deployment module to deploy the credit card smart contract on the blockchain based on the first corresponding mode parameter and the second corresponding mode parameter.
In one embodiment, the card issuing apparatus for a credit card further includes:
the receiving module is used for receiving a transaction request aiming at the target credit card, and the transaction request carries a private key and transaction data of the target credit card;
the second acquisition module is used for acquiring the public key of the target credit card from the block chain according to the transaction request;
the verification module is used for verifying the transaction authority of the transaction request according to the private key and the public key;
and the execution module is used for acquiring a target transaction data storage address of the target credit card from the block chain when the authority verification passes, and executing read-write operation on the transaction data based on the target transaction data storage address and the transaction request.
In one embodiment, the execution module includes:
the first determining submodule is used for determining a corresponding target credit card identifier according to the transaction request;
a third obtaining submodule, configured to obtain, from the credit card smart contract, a first corresponding relationship between each user address and each credit card identifier in the block chain and a second corresponding relationship between each user address and each transaction data storage address;
and the second determining submodule is used for determining a target transaction data storage address of the target credit card in the block chain according to the target credit card identification, the first corresponding relation and the second corresponding relation.
In one embodiment, the execution module includes:
the third determining submodule is used for determining a corresponding target credit card identifier according to the transaction request;
a fourth obtaining submodule, configured to obtain, from the credit card smart contract, a first corresponding relationship between each user address and each credit card identifier in the block chain and a third corresponding relationship between each user address and each transaction data storage external chain;
and the fourth determining submodule is used for determining a target transaction data storage address of the target credit card outside the block chain according to the target user address, the first corresponding relation and the third corresponding relation.
Different from the prior art, the credit card issuing device provided by the application generates a target credit card identifier and a target user address of a target user on a block chain according to first card information of the target credit card and user information of the target user, uploads second card information of the target credit card to the block chain, calls a credit card intelligent contract in the block chain to process the second card information to obtain a target NFT corresponding to the target credit card, binds the target user with the target NFT, generates a public key and a private key of the target credit card, stores the public key of the target credit card in the block chain, and sends the private key of the target credit card to the target user. According to the method and the system, the credit card is deployed in the block chain in the form of NFT, and then the user and the NFT are bound for issuing the card, so that the credit card of an entity does not need to be issued to the user, and therefore the asset loss risk caused by the loss or embezzlement of the credit card is reduced.
Accordingly, embodiments of the present application also provide an electronic device, as shown in fig. 6, which may include Radio Frequency (RF) circuit 601, memory 602 including one or more computer-readable storage media, input unit 603, display unit 604, sensor 605, audio circuit 606, wiFi module 607, processor 608 including one or more processing cores, and power supply 609. Those skilled in the art will appreciate that the electronic device configuration shown in fig. 6 does not constitute a limitation of the electronic device and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components. Wherein:
the rf circuit 601 may be used for receiving and transmitting signals during a message transmission or communication process, and particularly, for receiving downlink information of a base station and then delivering the received downlink information to one or more processors 608; in addition, data relating to uplink is transmitted to the base station. The memory 602 may be used to store software programs and modules, and the processor 608 executes various functional applications and credit card issuance by executing the software programs and modules stored in the memory 602. The input unit 603 may be used to receive input numeric or character information and generate keyboard, mouse, joystick, optical or trackball signal inputs related to client settings and function control.
The display unit 604 may be used to display information input by or provided to the client and various graphical client interfaces of the server, which may be made up of graphics, text, icons, video, and any combination thereof.
The electronic device may also include at least one sensor 605, such as a light sensor, motion sensor, and other sensors. Audio circuitry 606 includes speakers that provide an audio interface between the customer and the electronic device.
WiFi belongs to a short-distance wireless transmission technology, electronic equipment can help a client to receive and send electronic mails, browse webpages, follow-up streaming media and the like through a WiFi module 607, and wireless broadband internet follow-up is provided for the client. Although fig. 6 shows the WiFi module 607, it is understood that it does not belong to the essential constitution of the electronic device, and may be omitted entirely as needed within the scope not changing the essence of the application.
The processor 608 is a control center of the electronic device, connects various parts of the entire mobile phone by using various interfaces and lines, and performs various functions of the electronic device and processes data by operating or executing software programs and/or modules stored in the memory 602 and calling data stored in the memory 602, thereby performing overall monitoring of the mobile phone.
The electronic device also includes a power supply 609 (e.g., a battery) for powering the various components, which may preferably be logically coupled to the processor 608 via a power management system, such that the power management system may manage charging, discharging, and power consumption.
Although not shown, the electronic device may further include a camera, a bluetooth module, and the like, which are not described in detail herein. Specifically, in this embodiment, the processor 608 in the server loads the executable file corresponding to the process of one or more application programs into the memory 602 according to the following instructions, and the processor 608 runs the application program stored in the memory 602, so as to implement the following functions:
generating a target credit card identifier and a target user address of a target user on a block chain according to first card information of the target credit card and user information of the target user;
uploading second card information of the target credit card to the block chain, and calling a credit card smart contract in the block chain to process the second card information to obtain a target NFT corresponding to the target credit card;
binding the target user with the target NFT and generating a public key and a private key of the target credit card;
and storing the public key of the target credit card in the block chain, and sending the private key of the target credit card to the target user.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and parts that are not described in detail in a certain embodiment may refer to the above detailed description, and are not described herein again.
It will be understood by those skilled in the art that all or part of the steps of the methods of the above embodiments may be performed by instructions, or by instructions controlling associated hardware, which may be stored in a computer-readable storage medium and loaded and executed by a processor.
To this end, an embodiment of the present application provides a computer-readable storage medium, in which a plurality of instructions are stored, and the instructions can be loaded by a processor to implement the following functions:
generating a target credit card identifier and a target user address of a target user on a block chain according to first card information of the target credit card and user information of the target user;
uploading second card information of the target credit card to the block chain, and calling a credit card smart contract in the block chain to process the second card information to obtain a target NFT corresponding to the target credit card;
binding the target user with the target NFT and generating a public key and a private key of the target credit card;
and storing the public key of the target credit card in the block chain, and sending the private key of the target credit card to the target user.
The credit card issuing method, the credit card issuing device, the electronic device and the computer-readable storage medium provided by the embodiments of the present application are described in detail above, and specific examples are applied in the present application to explain the principles and implementations of the present application, and the description of the above embodiments is only used to help understanding the technical solutions and core ideas of the present application; those of ordinary skill in the art will understand that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications or substitutions do not depart from the spirit and scope of the present disclosure as defined by the appended claims.
Claims (10)
1. A method for issuing a credit card, comprising:
generating a target credit card identifier and a target user address of a target user on a block chain according to first card information of the target credit card and user information of the target user;
uploading second card information of the target credit card to the block chain, and calling a credit card smart contract in the block chain to process the second card information to obtain a target NFT corresponding to the target credit card;
binding the target user with the target NFT and generating a public key and a private key of the target credit card;
and storing the public key of the target credit card in the block chain, and sending the private key of the target credit card to the target user.
2. The card issuing method of claim 1, wherein the step of generating the target credit card id and the target user address of the target user on the blockchain based on the first card information of the target credit card and the user information of the target user comprises:
acquiring first card information of a target credit card, wherein the first card information comprises card type information and card image information of the target credit card;
acquiring user information of the target user, wherein the user information comprises identification information, user attribute information and user biological characteristic information of the target user;
and encrypting the first card information and the user information through an encryption algorithm to generate a target credit card identifier and a target user address of the target user on the block chain.
3. The card issuing method of claim 1, wherein the step of uploading second card information of the target credit card to the blockchain, and calling a credit card smart contract in the blockchain to process the second card information to obtain a target NFT corresponding to the target credit card comprises:
uploading second card information of the target credit card to a Solana public chain of the block chain;
calling a credit card smart contract in the Solana public link to process the second card information to obtain a target metadata link;
and processing the second card information into a target format and storing the target format in the target metadata link to obtain a target NFT corresponding to the target credit card.
4. The card issuing method of claim 3, further comprising, before the step of uploading the second card information of the target credit card to the block chain:
acquiring a first corresponding mode parameter between each user address and each credit card identification and a second corresponding mode parameter of each credit card identification and the metadata link;
deploying the credit card smart contract on the blockchain based on the first corresponding mode parameter and the second corresponding mode parameter.
5. The card issuing method of claim 1, wherein after the steps of storing the public key of the target credit card in the blockchain, and sending the private key of the target credit card to the target user, further comprising:
receiving a transaction request aiming at the target credit card, wherein the transaction request carries a private key and transaction data of the target credit card;
acquiring a public key of the target credit card from the block chain according to the transaction request;
verifying the transaction authority of the transaction request according to the private key and the public key;
and when the authority verification passes, acquiring a target transaction data storage address of the target credit card from the block chain, and executing read-write operation on the transaction data based on the target transaction data storage address and the transaction request.
6. The card issuing method of claim 5, wherein the step of obtaining the target transaction data storage address of the target credit card from the blockchain comprises:
determining a corresponding target credit card identifier according to the transaction request;
acquiring a first corresponding relation between each user address and each credit card identifier in the block chain and a second corresponding relation between each user address and each transaction data storage address from the credit card intelligent contract;
and determining a target transaction data storage address of the target credit card in the block chain according to the target credit card identification, the first corresponding relation and the second corresponding relation.
7. The card issuing method of claim 5, wherein the step of obtaining the target transaction data storage address of the target credit card from the blockchain comprises:
determining a corresponding target credit card identifier according to the transaction request;
acquiring a first corresponding relation between each user address and each credit card identifier in the block chain and a third corresponding relation between each user address and each transaction data storage external chain from the credit card intelligent contract;
and determining a target transaction data storage address of the target credit card outside the block chain according to the target user address, the first corresponding relation and the third corresponding relation.
8. A card issuing apparatus for a credit card, comprising:
the generation module is used for generating a target credit card identifier and a target user address of a target user on a block chain according to first card information of the target credit card and user information of the target user;
the processing module is used for uploading second card information of the target credit card to the block chain, calling a credit card smart contract in the block chain to process the second card information, and obtaining a target NFT corresponding to the target credit card;
the binding module is used for binding the target user with the target NFT and generating a public key and a private key of the target credit card;
and the sending module is used for storing the public key of the target credit card in the block chain and sending the private key of the target credit card to the target user.
9. An electronic device comprising a memory and a processor; the memory stores an application program, and the processor is configured to execute the application program in the memory to perform the steps of the credit card issuing method according to any one of claims 1 to 7.
10. A computer-readable storage medium, having a computer program stored thereon, the computer program being executable by a processor to implement the steps in the card issuing method for a credit card according to any one of claims 1 to 7.
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| CN202211007358.8A CN115345729A (en) | 2022-08-22 | 2022-08-22 | Credit card issuing method and device, electronic equipment and storage medium |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2024058723A1 (en) * | 2022-09-16 | 2024-03-21 | Mastercard Asia/Pacific Pte. Ltd. | Digitization of payment cards for web 3.0 and metaverse transactions |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2024058723A1 (en) * | 2022-09-16 | 2024-03-21 | Mastercard Asia/Pacific Pte. Ltd. | Digitization of payment cards for web 3.0 and metaverse transactions |
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