CN108846651A - Virtual credit card method of commerce and system based on digital cash - Google Patents
Virtual credit card method of commerce and system based on digital cash Download PDFInfo
- Publication number
- CN108846651A CN108846651A CN201810527639.3A CN201810527639A CN108846651A CN 108846651 A CN108846651 A CN 108846651A CN 201810527639 A CN201810527639 A CN 201810527639A CN 108846651 A CN108846651 A CN 108846651A
- Authority
- CN
- China
- Prior art keywords
- credit card
- information
- virtual credit
- contract
- transaction data
- 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
Links
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
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- 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
-
- 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
- G06Q20/4037—Remote solvency checks
-
- 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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention provides a kind of virtual credit card method of commerce and system based on digital cash is related to block chain technical field, including obtains consumer's information；Obtain the available amount information of virtual credit card, wherein virtual credit card and available amount information correspond, and virtual credit card includes at least one；Transaction data is obtained, according to business private key, signs transaction data, and according to transaction data, consumer's information and the available amount information after signature, invocation target intelligence contract realizes issuing and applying, rapid and convenient without cardization for credit card, saves cost.
Description
Technical field
The present invention relates to block chain technical fields, more particularly, to a kind of virtual credit card counterparty based on digital cash
Method and system.
Background technique
With rapid development economic now, people's consumer channel is numerous, wherein diversified Credit Card Payments by
It attractes attention, since different trade companies can cooperate from different banks, consumer generally possesses the credit card of a variety of banks, with oneself
It is more inconvenient to carry, and process of consumption is also comparatively laborious, and at the same time, each bank issues a large amount of credits card, financial cost every year
It is huge.
Summary of the invention
In view of this, the virtual credit card method of commerce that the purpose of the present invention is to provide a kind of based on digital cash and being
System realizes issuing and applying, rapid and convenient without cardization for credit card, saves cost.
In a first aspect, the embodiment of the invention provides a kind of virtual credit card method of commerce based on digital cash, including：
Obtain consumer's information；
Obtain the available amount information of virtual credit card, wherein the virtual credit card and the amount information one
One is corresponding, and the virtual credit card includes at least one；
It obtains transaction data and the transaction data is signed according to business private key, and according to the transaction data after signature, institute
State consumer's information and the amount information, invocation target intelligence contract.
With reference to first aspect, the embodiment of the invention provides the first possible embodiments of first aspect, wherein institute
Acquisition transaction data is stated, according to business private key, signs the transaction data, and according to the transaction data after signature, the consumption
Square information and the amount information, invocation target intelligence contract include：
Obtain transaction data；
When the business private key is stored in the first user terminal, first user terminal signs the transaction data, and root
According to transaction data, consumer's information and the amount information after signature, invocation target intelligence contract；
When business private key storage trustship is in block catenary system, in the block catenary system through first user terminal
In the case that verification passes through, the block catenary system signs the transaction data, and according to after signature transaction data, described disappear
The side's of expense information and the amount information, invocation target intelligence contract.
With reference to first aspect, the embodiment of the invention provides second of possible embodiments of first aspect, wherein
Before acquisition consumer's information, further include：Obtain the Intelligent target contract that the corresponding examination & approval of the virtual credit card are completed.
With reference to first aspect, the embodiment of the invention provides the third possible embodiments of first aspect, wherein institute
Stating to obtain the Intelligent target contract that the corresponding examination & approval of the virtual credit card are completed includes：
Intelligent contract and the corresponding electronic contract file of intelligent contract are obtained, and is sent to the first user terminal, so that described
First user terminal signs the intelligent contract and the electronic contract file by the business private key, and closes according to the intelligence
About user data is provided with the electronic contract file；
The user data is obtained, and is sent to second user end, so that the second user end is according to the number of users
According to risk analysis is carried out, the Intelligent target contract that examination & approval are completed is obtained, wherein the Intelligent target contract includes approval results,
The approval results include available amount information.
With reference to first aspect, the embodiment of the invention provides the 4th kind of possible embodiments of first aspect, wherein
Before the intelligent contract for obtaining the corresponding examination & approval completion of the virtual credit card, further include：
Obtain payment User ID and the corresponding public and private key of the payment User ID, wherein the public key in the public and private key is taken
With digital cash address；
The public and private key is dispersed by cryptography, obtains business private key.
With reference to first aspect, the embodiment of the invention provides the 5th kind of possible embodiments of first aspect, wherein institute
Stating transaction data includes chain information, and intelligent contract information, UTXO does not spend output mode information, transaction limit, type, number of users
Word currency address, consumer's digital cash address, Transaction Information signature.
With reference to first aspect, the embodiment of the invention provides the 6th kind of possible embodiments of first aspect, wherein institute
Stating consumer's information includes consumer's digital cash address, transaction limit, the relevant trade company's classification code of the type of transaction of consumer,
One or more of favor information of consumer.
With reference to first aspect, the embodiment of the invention provides the 7th kind of possible embodiments of first aspect, wherein institute
The method of stating further includes：The Intelligent target contract is called, is refunded automatically.
With reference to first aspect, the embodiment of the invention provides the 8th kind of possible embodiments of first aspect, wherein institute
The method of stating further includes：User terminal obtains the Intelligent target of the virtual credit card by the block chain node of the block catenary system
Contract can use amount information and transaction record, wherein the user terminal includes that the first user terminal, second user end and third are used
Family end.
Second aspect, the embodiment of the present invention also provide a kind of virtual credit card transaction system based on digital cash, including：
Consumer's information acquisition unit, for obtaining consumer's information；
Amount information acquisition unit can be used, for obtaining the available amount information of virtual credit card, wherein the virtual letter
It is corresponded with card and the amount information, the virtual credit card includes at least one；
Contract calls signature unit, according to business private key, to sign the transaction data, and root for obtaining transaction data
According to transaction data, consumer's information and the amount information after signature, intelligent contract is called.
The embodiment of the invention provides a kind of virtual credit card method of commerce and system based on digital cash, user's use
When virtual digit credit card trade, consumer's information is obtained first, then obtains Shen from block catenary system medium cloud service node
Multiple UTXO of multiple digital cash credits card please do not spend output mode that can use amount information, sign to transaction data
Administration carries out target from multiple intelligent contracts further according to transaction data, consumer's information and the available amount information after signature
The calling of intelligent contract realizes the transaction application without card based on digital cash, convenient and efficient, saves cost；
Other features and advantages of the present invention will illustrate in the following description, also, partly become from specification
It obtains it is clear that understand through the implementation of the invention.The objectives and other advantages of the invention are in specification, claims
And specifically noted structure is achieved and obtained in attached drawing.
To enable the above objects, features and advantages of the present invention to be clearer and more comprehensible, preferred embodiment is cited below particularly, and cooperate
Appended attached drawing, is described in detail below.
Detailed description of the invention
It, below will be to specific in order to illustrate more clearly of the specific embodiment of the invention or technical solution in the prior art
Embodiment or attached drawing needed to be used in the description of the prior art be briefly described, it should be apparent that, it is described below
Attached drawing is some embodiments of the present invention, for those of ordinary skill in the art, before not making the creative labor
It puts, is also possible to obtain other drawings based on these drawings.
Fig. 1 is provided in an embodiment of the present invention based on digital cash virtual credit card method of commerce flow chart；
Fig. 2 is electronic equipment function of the application provided in an embodiment of the present invention based on digital cash virtual credit card method of commerce
It can block diagram.
Icon：100- electronic equipment；Virtual credit card transaction system of the 200- based on digital cash；110- storage medium；
120- processor；210- consumer's information acquisition unit；220- can use amount information acquisition unit；230- contract calls signature single
Member.
Specific embodiment
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with attached drawing to the present invention
Technical solution be clearly and completely described, it is clear that described embodiments are some of the embodiments of the present invention, rather than
Whole embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art are not making creative work premise
Under every other embodiment obtained, shall fall within the protection scope of the present invention.
With rapid development economic now, people's consumer channel is numerous, wherein diversified Credit Card Payments by
It attractes attention, since different trade companies can cooperate from different banks, consumer generally possesses the credit card of a variety of banks, with oneself
It is more inconvenient to carry, and process of consumption is also comparatively laborious, and at the same time, each bank issues a large amount of credits card, financial cost every year
It is huge.
Based on this, a kind of virtual credit card method of commerce and system based on digital cash provided in an embodiment of the present invention,
It realizes issuing and applying, rapid and convenient without cardization for credit card, saves cost.
For convenient for understanding the present embodiment, first to a kind of based on digital cash disclosed in the embodiment of the present invention
Virtual credit card method of commerce describes in detail,
Fig. 1 is the virtual credit card method of commerce flow chart provided in an embodiment of the present invention based on digital cash.
Referring to Fig.1, the virtual credit card method of commerce based on digital cash includes the following steps：
Step S110 obtains consumer's information；
Step S120 obtains the available amount information of virtual credit card, wherein virtual credit card and available amount information one
One is corresponding, and virtual credit card includes at least one；
Step S130 obtains transaction data, according to business private key, signs transaction data, and according to the number of deals after signature
According to, consumer's information and available amount information, invocation target intelligence contract, consumer's information includes consumer's digital cash
Location, transaction limit, the relevant trade company's classification code of the type of transaction of consumer, one or more of favor information of consumer.
Wherein, transaction data includes chain information, intelligent contract information, UTXO (Unspent Transaction Output)
Output mode information, transaction limit, type, number currency address, consumer's digital cash address, Transaction Information are not spent
Signature.
Specifically, when user uses virtual digit credit card trade, consumer's information is obtained first, then from block linkwork
Multiple UTXO that system medium cloud service node obtains the multiple digital cash credits card applied do not spend output mode that can use amount
Information signs transaction data, further according to transaction data, consumer's information and the available amount information after signature, from more
In a intelligence contract, the calling of Intelligent target contract is carried out, realizes the transaction application without card based on digital cash, it is convenient fast
Cost is saved in victory；
It should be noted that or because the target credit card has more preferential payment discount, or because of the target credit card
There is fixed authorization cooperative relationship with consumer, transaction data, consumer's information and the available amount after signature could be passed through
The target credit card for the payment transaction amount of money that information is selected from the virtual credit card contracted, goal intelligence
Contract is corresponding with target credit card；
In some possible embodiments, the step S130 provided in above-described embodiment further includes：
Step S210 obtains transaction data；
Step S220, when business private key is stored in the first user terminal, the first user terminal signs transaction data, and according to label
Transaction data, consumer's information and available amount information after administration, invocation target intelligence contract；
Wherein, the first user terminal signs transaction data according to the business private key, carries out intelligent contract of trading
It calls；
Step S230, when the storage trustship of business private key is in block catenary system, in block catenary system through the first user terminal school
It tests in the case where, block catenary system signs transaction data, and according to the transaction data after signature, consumer's information and available
Amount information, invocation target intelligence contract.
It, will it is also an option that business private key is carried out trustship in above-mentioned process of exchange in some possible embodiments
Cloud service platform of the business private key escrow to block catenary system.After obtaining transaction consumer's information, in the first user terminal (mobile terminal
Or the network terminal) by default verification mode (password or verifying pattern) completion payment affirmation, it is taken by the cloud of block catenary system
Business platform uses calling trustship key signature transaction data and complete Intelligent target contract.
In order to make user fast and easily consume using virtual credit card, consumer's letter is obtained in step S110
Before breath, further include：
Step S108 obtains the Intelligent target contract that the corresponding examination & approval of virtual credit card are completed.
In some possible embodiments, step S108 includes：
Step S310 obtains intelligent contract and the corresponding electronic contract file of intelligent contract, and is sent to the first user terminal,
So that the first user terminal signs intelligent contract and electronic contract file by business private key, and according to intelligent contract and electronic contract
File provides user data；
Step S320 obtains user data, and is sent to second user end so that second user end according to user data into
Row risk analysis obtains the Intelligent target contract that examination & approval are completed, wherein Intelligent target contract includes approval results, approval results
Including amount information can be used.
Specifically, second user end (bank or non-bank financial institution), issued on block catenary system intelligent contract and
The corresponding electronic contract file of intelligent contract.Client obtains corresponding intelligence from the first user terminal (mobile terminal or the network terminal)
Contract and corresponding electronic contract file sign corresponding intelligent contract and electronic contract file by business private key, and according to intelligence
Energy contract demand, provides relative users data.Second user end (bank or non-bank financial institution) is according to from block catenary system
The user data of upper acquisition carries out risk control and the accrediting amount relevant to number currency address examination & approval, correlation examination & approval
After signature, the Intelligent target contract of digital cash credit card is collectively formed in the first user terminal, second user end and block catenary system,
It completes to open to snap past journey.
Before step S108, according to payment User ID public and private key corresponding with payment User ID, business private key is obtained, also
Including：
Step S104 obtains payment User ID public and private key corresponding with payment User ID, wherein the public key in public and private key is taken
With digital cash address；
Public and private key is dispersed by cryptography, obtains business private key by step S106.
Here, payment User ID uniquely corresponding public private key pair and digital cash corresponding with public key address are obtained, and will
Business private key after public private key pair is dispersed with cryptography method, as signature virtual credit card business；
In some possible embodiments, method provided in an embodiment of the present invention further includes：
Step S140, invocation target intelligence contract, is refunded automatically.
Wherein, the rule being arranged when Intelligent target contract includes signing is refunded automatically according to rule, signs target
The intelligent achievable installment reimbursement function of contract, or interest-free phase collect refund automatically, and above two mode of repayment calls directly mesh
It marks intelligent contract to refund, the Intelligent target contract of calling is one or more.
In some possible embodiments, method provided in an embodiment of the present invention further includes：
Step S150, user terminal are closed by the Intelligent target that the block chain node of block catenary system obtains virtual credit card
About, amount information and transaction record can be used, wherein user terminal includes the first user terminal, second user end and third user terminal.
Wherein, user can be engaged by the first user terminal from the credit that block chain node obtains multiple banks or financial institution
About with the available amount information of related UXTO mode；User can pass through at any time publication signature according to the electronic contract rule of signature
The corresponding associated credit card of signature order is closed in order；
At the same time, supervision department can obtain second user end (multiple banks from block chain node by third user terminal
Or financial institution) the related whole transaction records of credit card intelligence contract；
The embodiment of the present invention realizes a kind of virtual credit card distribution using block chain and central numeral currency technology and answers
Use system.Compared with traditional access, using block chain technology credit card is issued without cardization, and to same
Multiple credits card of one user implement unified management.While reducing financial system cost, also credit convenient for users
The convenience of the financial services such as card, and be conducive to financial supervision system for the financial supervisory of finance and non-financial institution.
Further, as shown in Fig. 2, being provided in an embodiment of the present invention for realizing the virtual credit based on digital cash
The schematic diagram of the electronic equipment 100 of card method of commerce.In the present embodiment, electronic equipment 100 be may be, but not limited to, personal electricity
Brain (Personal Computer, PC), laptop, monitoring device, server etc. have the virtual letter based on digital cash
With card transaction and the computer equipment of processing capacity.
Electronic equipment 100 further include virtual credit card transaction system 200 based on digital cash, storage medium 110 and
Processor 120.In present pre-ferred embodiments, the virtual credit card transaction system 200 based on digital cash includes at least one
The operation system of electronic equipment 100 can be stored in storage medium 110 or is solidificated in the form of software or firmware (Firmware)
Software function module in system (Operating System, OS).Processor 120 is used to execute to store in storage medium 110
Executable software module, for example, software function module included by the virtual credit card transaction system 200 based on digital cash and
Computer program etc..In the present embodiment, the virtual credit card transaction system 200 based on digital cash also can integrate is in operation
A part in system, as operating system.Specifically, the virtual credit card transaction system 200 based on digital cash includes：
Consumer's information acquisition unit 210, for obtaining consumer's information；
Amount information acquisition unit 220 can be used, for obtaining the available amount information of virtual credit card, wherein virtual letter
It is corresponded with card and available amount information, virtual credit card includes at least one；
Contract calls signature unit 230, for obtaining transaction data, according to business private key, signs transaction data, and according to
Transaction data, consumer's information and available amount information after signature call intelligent contract.
It is understood that the concrete operation method of each functional module in the present embodiment can refer to above method embodiment
The detailed description of middle corresponding steps, it is no longer repeated herein.
To sum up, the embodiment of the invention provides a kind of virtual credit card method of commerce and system based on digital cash, use
When family uses virtual digit credit card trade, consumer's information is obtained first, is then obtained from block catenary system medium cloud service node
Take the multiple UTXO for the multiple digital cash credits card applied do not spend output mode can with amount information, to transaction data into
Row signature is carried out from multiple intelligent contracts further according to transaction data, consumer's information and the available amount information after signature
The calling of Intelligent target contract realizes the transaction application without card based on digital cash, convenient and efficient, saves cost.
In embodiment provided by the present invention, it should be understood that disclosed device and method, it can also be by other
Mode realize.Device and method embodiment described above is only schematical, for example, flow chart and frame in attached drawing
Figure shows the system frame in the cards of the system of multiple embodiments according to the present invention, method and computer program product
Structure, function and operation.In this regard, each box in flowchart or block diagram can represent a module, section or code
A part, a part of module, section or code includes one or more for implementing the specified logical function holds
Row instruction.It should also be noted that function marked in the box can also be to be different from some implementations as replacement
The sequence marked in attached drawing occurs.For example, two continuous boxes can actually be basically executed in parallel, they are sometimes
It can execute in the opposite order, this depends on the function involved.It is also noted that every in block diagram and or flow chart
The combination of box in a box and block diagram and or flow chart can use the dedicated base for executing defined function or movement
It realizes, or can realize using a combination of dedicated hardware and computer instructions in the system of hardware.
In addition, each functional module in each embodiment of the present invention can integrate one independent portion of formation together
Point, it is also possible to modules individualism, an independent part can also be integrated to form with two or more modules.
It should be noted that, in this document, term " including ", " including " or its any other variant are intended to non-row
Its property includes, so that the process, method, article or equipment for including a series of elements not only includes those elements, and
And further include the other elements being not explicitly listed, or further include for this process, method, article or equipment institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence " including one ... ", it is not excluded that including wanting
There is also other identical elements in the process, method, article or equipment of element.
It is obvious to a person skilled in the art that invention is not limited to the details of the above exemplary embodiments, Er Qie
In the case where without departing substantially from spirit or essential attributes of the invention, the present invention can be realized in other specific forms.Therefore, no matter
From the point of view of which point, the present embodiments are to be considered as illustrative and not restrictive, and the scope of the present invention is by appended power
Benefit requires rather than above description limits, it is intended that all by what is fallen within the meaning and scope of the equivalent elements of the claims
Variation is included within the present invention.Any reference signs in the claims should not be construed as limiting the involved claims.
Claims (10)
1. a kind of virtual credit card method of commerce based on digital cash, which is characterized in that including：
Obtain consumer's information；
Obtain the available amount information of virtual credit card, wherein the virtual credit card and described one a pair of amount information
It answers, the virtual credit card includes at least one；
Obtain transaction data, according to business private key, sign the transaction data, and according to after signature transaction data, described disappear
The side's of expense information and the amount information, invocation target intelligence contract.
2. the virtual credit card method of commerce according to claim 1 based on digital cash, which is characterized in that the acquisition
Transaction data signs the transaction data according to business private key, and according to the transaction data after signature, consumer's information
Amount information is used with described, invocation target intelligence contract includes：
Obtain transaction data；
When the business private key is stored in the first user terminal, first user terminal signs the transaction data, and according to label
Transaction data, consumer's information and the amount information after administration, invocation target intelligence contract；
When the business private key storage trustship in block catenary system, verified in the block catenary system through first user terminal
In the case where, the block catenary system signs the transaction data, and according to the transaction data after signature, the consumer
Information and the amount information, invocation target intelligence contract.
3. the virtual credit card method of commerce according to claim 1 based on digital cash, which is characterized in that obtained described
Before cancellation fee side's information, further include：Obtain the Intelligent target contract that the corresponding examination & approval of the virtual credit card are completed.
4. the virtual credit card method of commerce according to claim 3 based on digital cash, which is characterized in that described to obtain
The Intelligent target contract that the corresponding examination & approval of the virtual credit card are completed includes：
Intelligent contract and the corresponding electronic contract file of intelligent contract are obtained, and is sent to the first user terminal, so that described first
User terminal signs the intelligent contract and the electronic contract file by the business private key, and according to the intelligent contract and
The electronic contract file provides user data；
Obtain the user data, and be sent to second user end so that the second user end according to the user data into
Row risk analysis obtains the Intelligent target contract that examination & approval are completed, wherein the Intelligent target contract includes approval results, described
Approval results include available amount information.
5. the virtual credit card method of commerce according to claim 3 based on digital cash, which is characterized in that obtained described
Before the intelligent contract completed to the corresponding examination & approval of the virtual credit card, further include：
Obtain payment User ID and the corresponding public and private key of the payment User ID, wherein the public key in the public and private key carries
Digital cash address；
The public and private key is dispersed by cryptography, obtains business private key.
6. the virtual credit card method of commerce according to claim 1 based on digital cash, which is characterized in that the transaction
Data include chain information, intelligent contract information, and UTXO does not spend output mode information, transaction limit, type, number currency
Address, consumer's digital cash address, Transaction Information signature.
7. the virtual credit card method of commerce according to claim 1 based on digital cash, which is characterized in that the consumption
Square information includes consumer's digital cash address, transaction limit, the relevant trade company's classification code of the type of transaction of consumer, consumer
One or more of favor information.
8. the virtual credit card method of commerce according to claim 1 based on digital cash, which is characterized in that the method
Further include：The Intelligent target contract is called, is refunded automatically.
9. the virtual credit card method of commerce according to claim 2 based on digital cash, which is characterized in that the method
Further include：User terminal obtained by the block chain node of the block catenary system virtual credit card Intelligent target contract,
Amount information and transaction record can be used, wherein the user terminal includes the first user terminal, second user end and third user terminal.
10. a kind of virtual credit card transaction system based on digital cash, which is characterized in that including：
Consumer's information acquisition unit, for obtaining consumer's information；
Amount information acquisition unit can be used, for obtaining the available amount information of virtual credit card, wherein the virtual credit card
It is corresponded with described with amount information, the virtual credit card includes at least one；
Contract calls signature unit according to business private key, to sign the transaction data, and according to label for obtaining transaction data
Transaction data, consumer's information and the amount information after administration, call intelligent contract.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810527639.3A CN108846651A (en) | 2018-05-28 | 2018-05-28 | Virtual credit card method of commerce and system based on digital cash |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810527639.3A CN108846651A (en) | 2018-05-28 | 2018-05-28 | Virtual credit card method of commerce and system based on digital cash |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108846651A true CN108846651A (en) | 2018-11-20 |
Family
ID=64207881
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810527639.3A Pending CN108846651A (en) | 2018-05-28 | 2018-05-28 | Virtual credit card method of commerce and system based on digital cash |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108846651A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110349022A (en) * | 2019-06-28 | 2019-10-18 | 北京奇才天下科技有限公司 | A kind of automated testing method, device and the electronic equipment of the virtual credit card transaction scene based on micro services |
| CN110378782A (en) * | 2019-06-19 | 2019-10-25 | 深圳壹账通智能科技有限公司 | The credit method, apparatus of guarantee certainly, storage medium and equipment based on block chain |
| CN111273897A (en) * | 2020-01-21 | 2020-06-12 | 北京艾鸥科技有限公司 | Block chain resource consumption method and device, storage medium and electronic equipment |
| CN111355754A (en) * | 2018-12-21 | 2020-06-30 | 西安佰才邦网络技术有限公司 | Method and equipment for purchasing service based on block chain |
| CN111563735A (en) * | 2020-05-08 | 2020-08-21 | 张宸源 | Payment method and system based on block chain |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106651331A (en) * | 2016-12-22 | 2017-05-10 | 飞天诚信科技股份有限公司 | Digital currency-based electronic transaction method and system |
| CN107330789A (en) * | 2017-06-26 | 2017-11-07 | 中国人民银行数字货币研究所 | Method of commerce, system and device that a kind of investment based on digital cash is raised funds |
| CN107330782A (en) * | 2017-06-26 | 2017-11-07 | 中国人民银行数字货币研究所 | The method and system and device for transaction of raising funds are realized based on digital cash |
| CN107369009A (en) * | 2017-06-26 | 2017-11-21 | 中国人民银行数字货币研究所 | The method of payment and payment system of digital cash |
| CN107392601A (en) * | 2017-06-26 | 2017-11-24 | 中国人民银行数字货币研究所 | The application method and system of digital cash wallet |
-
2018
- 2018-05-28 CN CN201810527639.3A patent/CN108846651A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106651331A (en) * | 2016-12-22 | 2017-05-10 | 飞天诚信科技股份有限公司 | Digital currency-based electronic transaction method and system |
| CN107330789A (en) * | 2017-06-26 | 2017-11-07 | 中国人民银行数字货币研究所 | Method of commerce, system and device that a kind of investment based on digital cash is raised funds |
| CN107330782A (en) * | 2017-06-26 | 2017-11-07 | 中国人民银行数字货币研究所 | The method and system and device for transaction of raising funds are realized based on digital cash |
| CN107369009A (en) * | 2017-06-26 | 2017-11-21 | 中国人民银行数字货币研究所 | The method of payment and payment system of digital cash |
| CN107392601A (en) * | 2017-06-26 | 2017-11-24 | 中国人民银行数字货币研究所 | The application method and system of digital cash wallet |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111355754A (en) * | 2018-12-21 | 2020-06-30 | 西安佰才邦网络技术有限公司 | Method and equipment for purchasing service based on block chain |
| CN111355754B (en) * | 2018-12-21 | 2023-06-27 | 西安佰才邦网络技术有限公司 | Block chain-based business purchasing method and equipment |
| CN110378782A (en) * | 2019-06-19 | 2019-10-25 | 深圳壹账通智能科技有限公司 | The credit method, apparatus of guarantee certainly, storage medium and equipment based on block chain |
| CN110349022A (en) * | 2019-06-28 | 2019-10-18 | 北京奇才天下科技有限公司 | A kind of automated testing method, device and the electronic equipment of the virtual credit card transaction scene based on micro services |
| CN111273897A (en) * | 2020-01-21 | 2020-06-12 | 北京艾鸥科技有限公司 | Block chain resource consumption method and device, storage medium and electronic equipment |
| CN111563735A (en) * | 2020-05-08 | 2020-08-21 | 张宸源 | Payment method and system based on block chain |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN108846651A (en) | Virtual credit card method of commerce and system based on digital cash | |
| KR101961899B1 (en) | Method for providing auto-payment service considering exchange rate between virtual and flat money | |
| Kevin et al. | Impact and challenges of information communication technology adoption in the Tanzanian banking sector | |
| CN109447783A (en) | Credit method, apparatus, terminal device and storage medium | |
| Emmanuel | ICT's, Service Delivery and Operational Performance in Nigerian Banks: A Survey of Empirical Research | |
| León | The adoption of a mobile payment system: the user perspective | |
| CN101145264A (en) | Business affairs bank card processing system and method | |
| CN114862110A (en) | Method and device for building middle platform of commercial banking business, electronic equipment and storage medium | |
| Murugun | Technology Adoption in Indian Banking Sectors–2023 | |
| Jameel et al. | Perceived trust and enjoyment: Predicting behavioural intention to use mobile payment systems | |
| Jonathan et al. | Development of prepaid electricity payment system for a university community using the LUHN algorithm | |
| See et al. | JomWowNFC: Why NFC must be used for Merchant & Consumer? | |
| Salami et al. | Determinants of technological innovation adoption and banking operations of selected deposit money banks in Nigeria | |
| Chandrasekaran et al. | Transforming And Empowerment Of Digital Banking In India | |
| Bhosale et al. | E-banking services: Comparative analysis of nationalized banks | |
| León | The dawn of a mobile payment scheme: The case of Movii | |
| Berdibayev et al. | Improving digital financial services inclusion: A panel data analysis | |
| Ghosh | Turning India into a cashless economy: the challenges to overcome | |
| Muhammed | The impact of information and communication technology in the growth of e-commerce in Nigeria: Challenges and prospects | |
| Ravi | Introduction to banking technology and management | |
| CN111429251A (en) | Method and device for processing data under multiple modes | |
| CN110874722A (en) | Electric power transaction platform and method | |
| Gesare | Factors Affecting Adoption of Mobile Banking by Commercial Banks in Kenya | |
| CN116882998B (en) | Virtual currency fund analysis method | |
| Lata | Structural changes and performance of banking sector with special reference to information technology in India |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20190221 Address after: 100028 7th Floor 703, No. 1 Building, 16 Taiyanggong Middle Road, Chaoyang District, Beijing Applicant after: Digital Wallet (Beijing) Technology Co., Ltd. Address before: Room 1003-16, No. 6 Weide Road, Yangpu District, Shanghai 200082 Applicant before: Digital dry technology Co., Ltd. |
|
| TA01 | Transfer of patent application right | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20200518 Address after: Room 1003-16, No. 6, Wade Road, Yangpu District, Shanghai Applicant after: SHUZI QIANYUAN TECHNOLOGY Co.,Ltd. Address before: 100028 7th Floor 703, No. 1 Building, 16 Taiyanggong Middle Road, Chaoyang District, Beijing Applicant before: SHUZI QIANBAO (BEIJING) TECHNOLOGY Co.,Ltd. |
|
| TA01 | Transfer of patent application right | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20181120 |
|
| RJ01 | Rejection of invention patent application after publication |