CN109034811A - Payment method and device based on credit points - Google Patents
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- CN109034811A CN109034811A CN201811023764.7A CN201811023764A CN109034811A CN 109034811 A CN109034811 A CN 109034811A CN 201811023764 A CN201811023764 A CN 201811023764A CN 109034811 A CN109034811 A CN 109034811A
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- 238000000034 method Methods 0.000 title claims abstract description 19
- 238000012545 processing Methods 0.000 claims description 14
- 238000004458 analytical method Methods 0.000 claims description 6
- 238000012011 method of payment Methods 0.000 claims description 6
- 230000007246 mechanism Effects 0.000 claims description 5
- 238000011156 evaluation Methods 0.000 claims description 3
- 230000006870 function Effects 0.000 description 9
- 230000008569 process Effects 0.000 description 6
- 230000006854 communication Effects 0.000 description 5
- 238000004891 communication Methods 0.000 description 4
- 238000005516 engineering process Methods 0.000 description 4
- 238000010586 diagram Methods 0.000 description 3
- 238000007726 management method Methods 0.000 description 3
- 230000008901 benefit Effects 0.000 description 2
- 238000001514 detection method Methods 0.000 description 2
- 238000012905 input function Methods 0.000 description 2
- 230000002452 interceptive effect Effects 0.000 description 2
- 239000004973 liquid crystal related substance Substances 0.000 description 2
- 230000007774 longterm Effects 0.000 description 2
- 238000010295 mobile communication Methods 0.000 description 2
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- 230000005484 gravity Effects 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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Abstract
The invention provides a payment method and a payment device based on credit points, wherein the method comprises the following steps: acquiring a payment request of a user, wherein the payment request comprises user information and payment amount, and the user information comprises a name and an identification card number of the user; inquiring credit records of the user in each node of the block chain according to the user information; assessing the credit points and credit grades of the users according to the credit records; and analyzing and judging whether the payment request is passed or not according to the credit points and the credit grade. The invention effectively maintains the fund security of the payee by acquiring reliable and real credit data from the blockchain and evaluating the payment request first and then passing the request, thereby reducing the risk of the payee.
Description
Technical field
The present invention relates to payment technology field more particularly to a kind of methods of payment and device based on credit score.
Background technique
With the continuous development of e-commerce, the means of payment is also more and more, there is the payment by scanning the two-dimensional code progress,
There is the payment etc. carried out by brush bank card, conveniently payment tends to be convenient for the user to use.
In the prior art, different user authentication modes is usually selected according to transaction amount.When transaction amount is larger, adopt
With the user authentication mode of higher level;When transaction amount is smaller, using the other user authentication mode of lower level or even authentication-exempt
Mode.The user authentication mode of higher level usually requires more complex interactive process, and the other user authentication mode of lower level is again
It is unable to fully guarantee the safety of user account, the two, which cannot achieve, to be taken into account.That is, the prior art can not provide a technical side
Case can simplify the interactive process of electronic fare payment system and the safety of user account.
The means of payment of various ways is that payer provides convenience efficiently processing mode, still, due to payer
Credit system is not comprehensive enough, it is understood that there may be payer insufficient funds and credit is bad and the side of being paid for is caused to be likely to after payment
It slowly can not receive fund.
Summary of the invention
The present invention is directed to the shortcomings that existing way, a kind of method of payment and device based on credit score is proposed, to solve
The above problem certainly of the existing technology.
According to the first aspect of the invention, a kind of method of payment based on credit score is provided, is included the following steps:
The payment request of user is obtained, the payment request includes user information and payment amount, the user information packet
Include the name and ID card No. of user;
The credit record of user is inquired in each node of block chain according to the user information;
The credit score and credit grade of user are evaluated according to the credit record;
It is analyzed and is determined whether through the payment request according to the credit score and credit grade.
Further, the credit record of user is inquired in each node of block chain according to the user information, further includes:
Verify the data message of the credit record of the inquiry user.
Further, further include, after the data message of the credit record of the verifying inquiry user, if the datagram
Text is errorless, then remembers according to the user information and by the credit that data transmit-receive agreement inquires user in each node of block chain
Record.
It further, further include being looked into each node of block chain according to the user information and by data transmit-receive agreement
After the credit record for asking user,
The credit record is called according to data-interface involved in the data transmit-receive agreement.
Further, analyzed according to the credit score and credit grade and determine whether be by the payment request
Refer to:
According to the credit line of the credit score and credit rating user;
It analyzes and determines whether the payment amount is not more than the credit line;
If the payment amount is not more than the credit line, pass through the payment request;
The payment amount is greater than the credit line, then does not pass through the payment request.
On the other hand, the present invention provides a kind of payment mechanisms based on credit score, comprising:
Module is obtained, for obtaining the payment request of user, the payment request includes user information and payment amount, institute
State the name and ID card No. that user information includes user;
Enquiry module, for inquiring the credit record of user in each node of block chain according to the user information;
Evaluation module, for evaluating the credit score and credit grade of user according to the credit record;
Analysis and processing module, for being analyzed and being determined whether through the payment according to the credit score and credit grade
Request.
Further, the enquiry module includes authentication unit,
The authentication unit, the data message of the credit record for verifying the inquiry user.
It further, further include that the data message is errorless, and the enquiry module is according to institute if told authentication unit is verified
It states user information and inquires the credit record of user in each node of block chain by data transmit-receive agreement.
Further, the enquiry module further includes call unit, and the call unit is used for according to the data transmit-receive
Data-interface involved in agreement calls the credit record.
Further, the analysis and processing module is analyzed according to the credit score and credit grade and determines whether to pass through
The payment request, refers to:
According to the credit line of the credit score and credit rating user;
It analyzes and determines whether the payment amount is not more than the credit line;
If the payment amount is not more than the credit line, pass through the payment request;
The payment amount is greater than the credit line, then does not pass through the payment request.
Compared with prior art, the beneficial effects of the present invention are:
The present invention inquires the letter of user according to user information by the payment request of acquisition user in each node of block chain
With record, the credit score and credit grade of user are evaluated according to credit record, are analyzed simultaneously according to credit score and credit grade
Determine whether through payment request, thus realize from block chain obtain reliably and true credit data, and to payment request into
Row is first evaluated again by way of request, the fund security for the side of being paid for effectively is maintained, to reduce the wind for the side of being paid for
Danger.
The additional aspect of the present invention and advantage will be set forth in part in the description, these will become from the following description
Obviously, or practice through the invention is recognized.
Detailed description of the invention
Above-mentioned and/or additional aspect and advantage of the invention will become from the following description of the accompanying drawings of embodiments
Obviously and it is readily appreciated that, in which:
Fig. 1 is the flow chart of method of payment of one of the embodiment of the present invention one based on credit score;
Fig. 2 is the structural block diagram of payment mechanism of one of the embodiment of the present invention two based on credit score;
Fig. 3 is payment mechanism part-structure block diagram of one of the embodiment of the present invention two based on credit score.
Specific embodiment
In order to enable those skilled in the art to better understand the solution of the present invention, below in conjunction in the embodiment of the present invention
Attached drawing, technical scheme in the embodiment of the invention is clearly and completely described.
In some processes of the description in description and claims of this specification and above-mentioned attached drawing, contain according to
Multiple operations that particular order occurs, but it should be clearly understood that these operations can not be what appears in this article suitable according to its
Sequence is executed or is executed parallel, and serial number of operation such as 101,102 etc. is only used for distinguishing each different operation, serial number
It itself does not represent and any executes sequence.In addition, these processes may include more or fewer operations, and these operations can
To execute or execute parallel in order.It should be noted that the description such as " first " herein, " second ", is for distinguishing not
Same message, equipment, module etc., does not represent sequencing, does not also limit " first " and " second " and be different type.
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiment is only a part of example of the present invention, is implemented instead of all the embodiments.It is based on
Embodiment in the present invention, those skilled in the art's every other implementation obtained without creative efforts
Example, shall fall within the protection scope of the present invention.
Those skilled in the art of the present technique are appreciated that unless otherwise defined, all terms used herein (including technology art
Language and scientific term), there is meaning identical with the general understanding of those of ordinary skill in fields of the present invention.Should also
Understand, those terms such as defined in the general dictionary, it should be understood that have in the context of the prior art
The consistent meaning of meaning, and unless idealization or meaning too formal otherwise will not be used by specific definitions as here
To explain.
Embodiment one
As shown in Figure 1, providing a kind of method of payment based on credit score of one embodiment of the invention, including as follows
Step:
S101 obtains the payment request of user, and payment request includes user information and payment amount, and user information includes using
The name and ID card No. at family;
The payment request of user is obtained from the payment terminals of block chain.
S102 inquires the credit record of user according to user information in each node of block chain;
The data message of the credit record of S1021 revene lookup user;
If S1022 data message is errorless, according to user information and by data transmit-receive agreement in each node of block chain
Inquire the credit record of user;
S1023 data-interface according to involved in data transmit-receive agreement calls credit record.
S103 evaluates the credit score and credit grade of user according to credit record;
S104 is analyzed according to credit score and credit grade and is determined whether through payment request, specific:
According to the credit line of credit score and credit rating user;
It analyzes and determines whether payment amount is not more than credit line;
If payment amount is not more than credit line, pass through payment request;
Payment amount is greater than credit line, then does not pass through payment request.
Embodiment two
As shown in Fig. 2, providing a kind of payment mechanism based on credit score of another embodiment of the present invention, comprising:
Modules A 201 is obtained, for obtaining the payment request of user, payment request includes user information and payment amount, is used
Family information includes the name and ID card No. of user;
The payment request of user is obtained from the payment terminals of block chain.
Enquiry module A202, for inquiring the credit record of user in each node of block chain according to user information;
Enquiry module A202 includes authentication unit A2021, and credit of the authentication unit A2021 for revene lookup user is remembered
The data message of record.
If told authentication unit A2021 verify data message is errorless, enquiry module A202 is according to user information and passes through number
The credit record of user is inquired in each node of block chain according to transmitting-receiving agreement.
Enquiry module A202 further includes call unit A2022, and call unit A2022 is used for according in data transmit-receive agreement
The data-interface being related to calls credit record.
Evaluation module A203, for evaluating the credit score and credit grade of user according to credit record;
Analysis and processing module A204 is asked for being analyzed and being determined whether according to credit score and credit grade by payment
It asks.
Analysis and processing module A204 is analyzed according to credit score and credit grade and is determined whether by payment request, specifically
Refer to:
According to the credit line of credit score and credit rating user;
It analyzes and determines whether payment amount is not more than credit line;
If payment amount is not more than credit line, pass through payment request;
Payment amount is greater than credit line, then does not pass through payment request.
Payment terminals may be provided at including mobile phone, tablet computer, PDA (Personal Digital Assistant, a number
Word assistant), POS (Point of Sales, point-of-sale terminal), any terminal device such as vehicle-mounted computer, taking the terminal as an example:
With reference to Fig. 3, the block diagram of the part-structure of mobile phone, mobile phone includes: radio frequency (Radio Frequency, RF) circuit
1510, memory 1520, input unit 1530, display unit 1540, sensor 1550, voicefrequency circuit 1560, Wireless Fidelity
The components such as (wireless fidelity, WiFi) module 1570, processor 1580 and power supply 1590.Those skilled in the art
It is appreciated that handset structure shown in Fig. 3 does not constitute the restriction to mobile phone, it may include than illustrating more or fewer portions
Part perhaps combines certain components or different component layouts.
It is specifically introduced below with reference to each component parts of the Fig. 3 to mobile phone:
RF circuit 1510 can be used for receiving and sending messages or communication process in, signal sends and receivees, particularly, by base station
After downlink information receives, handled to processor 1580;In addition, the data for designing uplink are sent to base station.In general, RF circuit
1510 include but is not limited to antenna, at least one amplifier, transceiver, coupler, low-noise amplifier (Low Noise
Amplifier, LNA), duplexer etc..In addition, RF circuit 1510 can also be logical with network and other equipment by wireless communication
Letter.Any communication standard or agreement, including but not limited to global system for mobile communications (Global can be used in above-mentioned wireless communication
System of Mobile communication, GSM), general packet radio service (General Packet Radio
Service, GPRS), CDMA (Code Division Multiple Access, CDMA), wideband code division multiple access
(Wideband Code Division Multiple Access, WCDMA), long term evolution (Long Term Evolution,
LTE), Email, short message service (Short Messaging Service, SMS) etc..
Memory 1520 can be used for storing software program and module, and processor 1580 is stored in memory by operation
1520 software program and module, thereby executing the various function application and data processing of mobile phone.Memory 1520 can be led
It to include storing program area and storage data area, wherein storing program area can be needed for storage program area, at least one function
Application program (such as sound-playing function, image player function etc.) etc.;Storage data area, which can be stored, uses institute according to mobile phone
Data (such as audio data, phone directory etc.) of creation etc..In addition, memory 1520 may include high random access storage
Device, can also include nonvolatile memory, and a for example, at least disk memory, flush memory device or other volatibility are solid
State memory device.
Input unit 1530 can be used for receiving the number or character information of input, and generate with the user setting of mobile phone with
And the related key signals input of function control.Specifically, input unit 1530 may include touch panel 1531 and other inputs
Equipment 1532.Touch panel 1531, also referred to as touch screen collect touch operation (such as the user of user on it or nearby
Use the behaviour of any suitable object or attachment such as finger, stylus on touch panel 1531 or near touch panel 1531
Make), and corresponding attachment device is driven according to preset formula.Optionally, touch panel 1531 may include touch detection
Two parts of device and touch controller.Wherein, the touch orientation of touch detecting apparatus detection user, and detect touch operation band
The signal come, transmits a signal to touch controller;Touch controller receives touch information from touch detecting apparatus, and by it
It is converted into contact coordinate, then gives processor 1580, and order that processor 1580 is sent can be received and executed.In addition,
Touch panel 1531 can be realized using multiple types such as resistance-type, condenser type, infrared ray and surface acoustic waves.In addition to touch surface
Plate 1531, input unit 1530 can also include other input equipments 1532.Specifically, other input equipments 1532 may include
But in being not limited to physical keyboard, function key (such as volume control button, switch key etc.), trace ball, mouse, operating stick etc.
It is one or more.
Display unit 1540 can be used for showing information input by user or be supplied to user information and mobile phone it is each
Kind menu.Display unit 1540 may include display panel 1541, optionally, can use liquid crystal display (Liquid
Crystal Display, LCD), the forms such as Organic Light Emitting Diode (Organic Light-Emitting Diode, OLED)
To configure display panel 1541.Further, touch panel 1531 can cover display panel 1541, when touch panel 1531 detects
After arriving touch operation on it or nearby, processor 1580 is sent to determine the type of touch event, is followed by subsequent processing device
1580 provide corresponding visual output according to the type of touch event on display panel 1541.Although in Fig. 3, touch panel
1531 and display panel 1541 are the input and input function for realizing mobile phone as two independent components, but in certain realities
Apply in example, can be integrated by touch panel 1531 and display panel 1541 and that realizes mobile phone output and input function.
Mobile phone may also include at least one sensor 1550, such as optical sensor, motion sensor and other sensors.
Specifically, optical sensor may include ambient light sensor and proximity sensor, wherein ambient light sensor can be according to ambient light
Light and shade adjust the brightness of display panel 1541, proximity sensor can close display panel when mobile phone is moved in one's ear
1541 and/or backlight.As a kind of motion sensor, accelerometer sensor can detect in all directions (generally three axis) and add
The size of speed can detect that size and the direction of gravity when static, can be used to identify application (such as the horizontal/vertical screen of mobile phone posture
Switching, dependent game, magnetometer pose calibrating), Vibration identification correlation function (such as pedometer, tap) etc.;Also as mobile phone
The other sensors such as configurable gyroscope, barometer, hygrometer, thermometer, infrared sensor, details are not described herein.
Voicefrequency circuit 1560, loudspeaker 1561, microphone 1562 can provide the audio interface between user and mobile phone.Audio
Electric signal after the audio data received conversion can be transferred to loudspeaker 1561, be converted by loudspeaker 1561 by circuit 1560
For voice signal output;On the other hand, the voice signal of collection is converted to electric signal by microphone 1562, by voicefrequency circuit 1560
Audio data is converted to after reception, then by after the processing of audio data output processor 1580, through RF circuit 1510 to be sent to ratio
Such as another mobile phone, or audio data is exported to memory 1520 to be further processed.
WiFi belongs to short range wireless transmission technology, and mobile phone can help user's transceiver electronics postal by WiFi module 1570
Part, browsing webpage and access streaming video etc., it provides wireless broadband internet access for user.Although Fig. 3 is shown
WiFi module 1570, but it is understood that, and it is not belonging to must be configured into for mobile phone, it can according to need do not changing completely
Become in the range of the essence of invention and omits.
Processor 1580 is the control centre of mobile phone, using the various pieces of various interfaces and connection whole mobile phone,
By running or execute the software program and/or module that are stored in memory 1520, and calls and be stored in memory 1520
Interior data execute the various functions and processing data of mobile phone, to carry out integral monitoring to mobile phone.Optionally, processor
1580 may include one or more processing units;Preferably, processor 1580 can integrate application processor and modulation /demodulation processing
Device, wherein the main processing operation system of application processor, user interface and application program etc., modem processor is mainly located
Reason wireless communication.It is understood that above-mentioned modem processor can not also be integrated into processor 1580.
Mobile phone further includes the power supply 1590 (such as battery) powered to all parts, it is preferred that power supply can pass through power supply
Management system and processor 1580 are logically contiguous, to realize management charging, electric discharge and power consumption pipe by power-supply management system
The functions such as reason.
Although being not shown, mobile phone can also include camera, bluetooth module etc., and details are not described herein.
It is apparent to those skilled in the art that for convenience and simplicity of description, the module of foregoing description,
The specific work process of related work unit and device, can refer to corresponding processes in the foregoing method embodiment, herein no longer
It repeats.
In 2 embodiments provided herein, it should be understood that disclosed method, system, device, module and/
Or unit, it may be implemented in other ways.For example, embodiment of the method described above is only schematical, for example,
The division of the module, only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple
Module or component can be combined or can be integrated into another system, or some features can be ignored or not executed.The work
It may or may not be physically separated for the unit of separate part description, component shown as a unit can be
Or it may not be physical unit, it can it is in one place, or may be distributed over multiple network units.It can be with
Some or all of the units may be selected to achieve the purpose of the solution of this embodiment according to the actual needs.
The above is only some embodiments of the invention, it is noted that for the ordinary skill people of the art
For member, various improvements and modifications may be made without departing from the principle of the present invention, these improvements and modifications are also answered
It is considered as protection scope of the present invention.
Claims (10)
1. a kind of method of payment based on credit score, which comprises the steps of:
The payment request of user is obtained, the payment request includes user information and payment amount, and the user information includes using
The name and ID card No. at family;
The credit record of user is inquired in each node of block chain according to the user information;
The credit score and credit grade of user are evaluated according to the credit record;
It is analyzed and is determined whether through the payment request according to the credit score and credit grade.
2. the method according to claim 1, wherein being inquired in each node of block chain according to the user information
The credit record of user, further includes:
Verify the data message of the credit record of the inquiry user.
3. according to the method described in claim 2, it is characterized in that, further including the credit record for verifying the inquiry user
After data message, if the data message is errorless, according to the user information and by data transmit-receive agreement in block chain
The credit record of user is inquired in each node.
4. according to the method described in claim 3, it is characterized in that, further including being received according to the user information and by data
Hair agreement is inquired in each node of block chain after the credit record of user,
The credit record is called according to data-interface involved in the data transmit-receive agreement.
5. method according to any of claims 1-4, which is characterized in that according to the credit score and credit grade
It analyzes and determines whether to refer to by the payment request:
According to the credit line of the credit score and credit rating user;
It analyzes and determines whether the payment amount is not more than the credit line;
If the payment amount is not more than the credit line, pass through the payment request;
The payment amount is greater than the credit line, then does not pass through the payment request.
6. a kind of payment mechanism based on credit score characterized by comprising
Module is obtained, for obtaining the payment request of user, the payment request includes user information and payment amount, the use
Family information includes the name and ID card No. of user;
Enquiry module, for inquiring the credit record of user in each node of block chain according to the user information;
Evaluation module, for evaluating the credit score and credit grade of user according to the credit record;
Analysis and processing module is asked for being analyzed and being determined whether according to the credit score and credit grade by the payment
It asks.
7. device according to claim 6, which is characterized in that the enquiry module includes authentication unit,
The authentication unit, the data message of the credit record for verifying the inquiry user.
8. device according to claim 7, which is characterized in that further include, if told authentication unit verifies the datagram
Text is errorless, and the enquiry module inquires user in each node of block chain according to the user information and by data transmit-receive agreement
Credit record.
9. device according to claim 8, which is characterized in that the enquiry module further includes call unit, the calling
Unit calls the credit record for the data-interface according to involved in the data transmit-receive agreement.
10. according to device described in claim 6-9 any one, which is characterized in that the analysis and processing module is according to
Credit score and credit grade are analyzed and determine whether to refer to by the payment request:
According to the credit line of the credit score and credit rating user;
It analyzes and determines whether the payment amount is not more than the credit line;
If the payment amount is not more than the credit line, pass through the payment request;
The payment amount is greater than the credit line, then does not pass through the payment request.
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CN116777468A (en) * | 2023-06-30 | 2023-09-19 | 广东便捷神科技股份有限公司 | Block chain-based commodity vending credit payment method and control system |
CN116777468B (en) * | 2023-06-30 | 2024-09-10 | 广东便捷神科技股份有限公司 | Block chain-based commodity vending credit payment method and control system |
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