CN109345311A - The method and device that credit is mutually known between different financial institution - Google Patents
The method and device that credit is mutually known between different financial institution Download PDFInfo
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- CN109345311A CN109345311A CN201811162877.5A CN201811162877A CN109345311A CN 109345311 A CN109345311 A CN 109345311A CN 201811162877 A CN201811162877 A CN 201811162877A CN 109345311 A CN109345311 A CN 109345311A
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- G06Q30/02—Marketing; Price estimation or determination; Fundraising
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- G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
- G06Q30/0229—Multi-merchant loyalty card systems
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- 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
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- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The application provides the method and device that credit between a kind of different financial institution is mutually known, and is related to field of computer technology, realizes the mutual knowledge of credit between different financial institution, improve the utilization rate of credit.This method comprises: the first financial institution system receives the Credit Card Swiping Transaction Information of user, Credit Card Swiping Transaction Information includes user identifier and transaction amount, and the first financial institution system is any one financial institution system in alliance's chain；Credit is determined according to transaction amount；According to the exchange proportion of credit and alliance's coin integral, credit is converted into alliance's coin integral；Other financial institution systems into alliance's chain send a notification message, for notification message for notifying to generate the transaction from the first financial institution system in other financial institution system alliance chains so that the second financial institution system handles transaction, the second financial institution system is that the financial institution system of book keeping operation power is got in alliance's chain.
Description
Technical field
This application involves the sides that credit is mutually known between field of computer technology more particularly to a kind of different financial institution
Method and device.
Background technique
As credit card purchase becomes increasingly prevalent, each financial institution has expanded credit card business one after another, works as credit
When cap product point reaches certain numerical value, client, which can enjoy, exempts from annual fee and using equity such as accumulated point exchanging gifts.But each gold
The credit rule for melting mechanism is different, and the credit of each financial institution can only be used in mechanism, when
Client will cause the waste of credit when the credit numerical value of some financial institution is not enough to enjoy equity.
Summary of the invention
The application provides the method and device that credit between a kind of different financial institution is mutually known, and realizes different finance
The mutual knowledge of credit, improves the utilization rate of credit between mechanism.
In order to achieve the above objectives, the application adopts the following technical scheme that
In a first aspect, the application provides the method that credit between a kind of different financial institution is mutually known, this method comprises:
First financial institution system receives the Credit Card Swiping Transaction Information of user, and the Credit Card Swiping Transaction Information is marked comprising user
Know and transaction amount, first financial institution system are any one financial institution system in alliance's chain.According to institute
It states transaction amount and determines credit, according to the exchange proportion of credit and alliance's coin integral, by the credit cap product
Divide and be converted to alliance's coin integral, other financial institution systems into alliance's chain send a notification message, and the notification message is for leading to
Know and generates the transaction from the first financial institution system in other described financial institution system alliance chains so that the second financial machine
Construction system handles the transaction, and second financial institution system is that the finance of book keeping operation power is got in alliance's chain
Train of mechanism.
Second aspect, the application provide the method that credit between a kind of different financial institution is mutually known, this method comprises:
Second financial institution system receives the notification message that the first financial institution system is sent, and the notification message is for notifying other gold
Melt transaction of the generation from the first financial institution system in train of mechanism alliance chain；It obtains to being produced from the first financial institution system
Transaction book keeping operation power；The corresponding user identifier of transaction and alliance's coin product of the first financial institution system are produced from described in acquisition
Point；Contained the corresponding history alliance coin total mark of the user identifier in block if detecting, by alliance's coin integral and
The history alliance coin total mark is added up to update the corresponding alliance's coin total mark of the user identifier in the block；
If being not detected in block containing the corresponding history alliance coin total mark of the user identifier, user mark is stored within a block
Know and corresponding alliance's coin integrates.
The third aspect, the application provide the device that credit between a kind of different financial institution is mutually known, and described device is made
It include: receiving module, determining module and sending module for the first financial institution system.Wherein, receiving module, for receiving user
Credit Card Swiping Transaction Information, the Credit Card Swiping Transaction Information include user identifier and transaction amount.Determining module is used
It, will in determining credit, and the exchange proportion integrated according to credit and alliance's coin according to the transaction amount
The credit is converted to alliance's coin integral.Sending module is sent for other financial institution systems into alliance's chain
Notification message, the notification message generate in other described financial institution system alliance chains from the first financial institution for notifying
So that the second financial institution system handles the transaction, second financial institution system is described for the transaction of system
The financial institution system of book keeping operation power is got in alliance's chain, wherein first financial institution system is in alliance's chain
Any one financial institution system.
Fourth aspect, the application provide the device that credit between a kind of different financial institution is mutually known, and described device is made
It include: receiving module and determining module for the second financial institution system.Wherein, receiving module, for receiving the first financial institution
The notification message that system is sent；Determining module, for obtaining the power of the book keeping operation to the transaction for being produced from the first financial institution system, with
And the corresponding user identifier of transaction and alliance's coin integral of the first financial institution system are produced from described in obtaining.It is also used to determine use
Alliance's coin total mark of family mark；Contain the corresponding history alliance coin total mark of the user identifier in block if detecting,
Alliance's coin integral and the history alliance coin total mark are added up to update the user identifier in the block
Corresponding alliance's coin total mark；If being not detected in block containing the corresponding history alliance coin total mark of the user identifier,
The user identifier and corresponding alliance's coin integral are stored within a block.
5th aspect, the application provide a kind of first financial institution system, which includes: processing
Device, transceiver and memory.Wherein, memory is for storing one or more programs.The one or more program includes calculating
Machine executes instruction, and when first financial institution system operation, the computer execution that processor executes memory storage refers to
It enables, so that described in one of any in first financial institution system execution first aspect and its various optional implementations not
The method mutually known with credit between financial institution.
6th aspect, the application provide a kind of second financial institution system, which includes: processing
Device, transceiver and memory.Wherein, memory is for storing one or more programs.The one or more program includes calculating
Machine executes instruction, and when second financial institution system operation, the computer execution that processor executes memory storage refers to
It enables, so that described in one of any in second financial institution system execution second aspect and its various optional implementations not
The method mutually known with credit between financial institution.
7th aspect, the application provide a kind of computer readable storage medium, are stored in computer readable storage medium
Instruction, when computer executes the instruction, which, which executes in above-mentioned first aspect and its various optional implementations, appoints
The method that credit is mutually known between different financial institution described in one of meaning.
Eighth aspect, the application provide a kind of computer readable storage medium, are stored in computer readable storage medium
Instruction, when computer executes the instruction, which, which executes in above-mentioned second aspect and its various optional implementations, appoints
The method that credit is mutually known between different financial institution described in one of meaning.
9th aspect, the application provides a kind of alliance's chain, which includes for realizing above-mentioned first aspect and the
On the one hand the first financial institution system of any one implementation and for realizing above-mentioned second aspect and second aspect
Second financial institution system of any one implementation.
The method, apparatus that credit is mutually known between different financial institution provided by the present application is more based on alliance's chain
Family's financial institution system coalizes chain, and the first financial institution system receives the Credit Card Swiping Transaction Information of user, according to friendship
The easy amount of money determines credit, and credit is converted to alliance's coin integral；Later, other finance into alliance's chain
Train of mechanism sends a notification message, so that the book keeping operation power that other financial institution system contentions in alliance's chain are traded, contention to note
Second financial institution system of account power handles alliance's coin integral of user identifier, and alliance's coin always accumulates by treated
Divide other financial institution systems being sent in alliance's chain, the alliance's coin for making other financial institution systems store the user identifier is total
Integral.The mutual knowledge for realizing credit between different financial institution, improves the utilization rate of credit.
Detailed description of the invention
Fig. 1 is the structural schematic diagram of alliance's chain provided by the embodiments of the present application；
Fig. 2 method flow diagram that credit is mutually known between different financial institution provided by the embodiments of the present application；
The structural representation of Fig. 3 device that credit is mutually known between different financial institution provided by the embodiments of the present application
Figure；
Another structure of Fig. 4 device that credit is mutually known between different financial institution provided by the embodiments of the present application is shown
It is intended to；
Another structure of Fig. 5 device that credit is mutually known between different financial institution provided by the embodiments of the present application is shown
It is intended to；
Another structure of Fig. 6 device that credit is mutually known between different financial institution provided by the embodiments of the present application is shown
It is intended to；
Fig. 7 is the structural schematic diagram of the first financial institution system provided by the embodiments of the present application；
Fig. 8 is the structural schematic diagram of the second financial institution system provided by the embodiments of the present application.
Specific embodiment
With reference to the accompanying drawing between the method that credit is mutually known different financial institution provided by the embodiments of the present application into
Row describes in detail.
The terms "and/or", only a kind of incidence relation for describing affiliated partner, indicates that there may be three kinds of passes
System, for example, A and/or B, can indicate: individualism A exists simultaneously A and B, these three situations of individualism B.
The specification of the embodiment of the present application and term " first " in attached drawing and " second " etc. are different for distinguishing
Object, or for distinguishing the different disposal to same target, rather than it is used for the particular order of description object.
In addition, the term " includes " being previously mentioned in the description of the embodiment of the present application and " having " and their any change
Shape, it is intended that cover and non-exclusive include.Such as contain the process, method of a series of steps or units, system, product or
Equipment is not limited to listed step or unit, but optionally further comprising the step of other are not listed or unit, or
Optionally further comprising the other step or units intrinsic for these process, methods, product or equipment.
It should be noted that in the embodiment of the present application, " illustrative " or " such as " etc. words make example, example for indicating
Card or explanation.Be described as in the embodiment of the present application " illustrative " or " such as " any embodiment or design scheme do not answer
It is interpreted than other embodiments or design scheme more preferably or more advantage.Specifically, " illustrative " or " example are used
Such as " word is intended to that related notion is presented in specific ways.
In the description of the embodiment of the present application, unless otherwise indicated, the meaning of " plurality " is refer to two or more.
Block chain is the novel of the computer technologies such as Distributed Storage, point-to-point transmission, common recognition mechanism, Encryption Algorithm
Application model.Common recognition mechanism is that the mathematical algorithm established between different nodes and trust, obtain equity is realized in block catenary system.
Block chain is divided into three classes at present: publicly-owned block chain, alliance's block chain, privately owned block chain.
Publicly-owned block chain refers to: any individual or group can send transaction in the world, and transaction can be somebody's turn to do
Effective confirmation of block chain, anyone can participate in its common recognition process.Publicly-owned block chain is earliest block chain, and at present
Most widely used block chain.
Alliance's block chain: being accounting nodes by specifying the node of multiple pre-selections inside some group, preselected node will participate in
Common recognition process, other access nodes can participate in business, but keep aloof from accounting procedure, and the node in other groups can be by this
The open API of block chain is defined inquiry.
Privately owned block chain: only keeping accounts using only the general ledger technology of block chain, can be a company, is also possible to a
People exclusively enjoys the write-in permission of the block chain.
The specific implementation of block chain can refer to the prior art, and details are not described herein again.
Alliance's block chain is also referred to as alliance's chain, and in the embodiment of the present application, more financial institution systems can form an alliance
Chain.Wherein, financial institution can be bank, be also possible to the third parties such as Alipay financial institution, and Credit Card Swiping information can refer to
The Credit Card Swiping information of certain bank can also refer to the consumption information that the loaning bill business that third party financial institution provides generates,
Such as the consumption information of flower the generation of Alipay.It is the distribution based on alliance's chain type between the preselected node of different financial institution
Structure, between each other can be with efficient communication.As shown in Figure 1, financial institution A, financial institution B, financial institution C and financial institution
D constitutes alliance's chain.Wherein, each financial institution accesses alliance's chain by corresponding credit card interface, these access connection
The credit card interface of alliance's chain is known as the node of alliance's chain.The node for accessing alliance's chain can be one or more, if multiple, respectively
Part of nodes can be specified as preselected node inside financial institution of family from the node of alliance's chain, these preselected nodes are by basis
Common recognition mechanism, the book keeping operation power of the transaction where participating in contention in alliance's chain, and keep accounts to transaction.Non- preselected node is not involved in
Contention book keeping operation power, is also not involved in book keeping operation, but can participate in other tasks, such as the credit of respective financial institutions is turned
It is changed to the task of alliance's coin integral.
The embodiment of the present application provides the method that credit between a kind of different financial institution is mutually known, as shown in Fig. 2, the party
Method may include S101-S109:
S101, the first financial institution system receive the Credit Card Swiping Transaction Information of user.
Credit Card Swiping Transaction Information includes user identifier and transaction amount, and the first financial institution system is in alliance's chain
Any one financial institution system.
When credit card of the user in market using bank is consumed or with the third parties such as Alipay financial institution
Loaning bill business (as flower) consumed when, Transaction Information will be generated, transaction amount and user carried in the Transaction Information
Mark, user identifier refer to: identification card number and/or bank's card number of user etc..
S102, the first financial institution system determine credit according to transaction amount.
After first financial institution system gets Transaction Information, it will determine that this time transaction is at first gold medal according to transaction amount
Melt the integral of train of mechanism generation, which can be real-time determination or timing determination.
Transaction amount is exchanged to integral according to a certain percentage, illustratively, if the first financial institution system provides 100 yuan
It is 1 integral, when transaction amount is 500, the first financial institution system determines that the credit of user is 5 integrals.
The exchange proportion that S103, the first financial institution system are integrated according to credit and alliance's coin, by credit cap product
Divide and is converted to alliance's coin integral.
After credit is converted to alliance's coin integral by the first financial institution system, by other gold into alliance's chain
Melt train of mechanism to send a notification message.
Alliance's coin of recognizing each other between each financial institution system integral, the credit of different financial institution system with
The exchange proportion of alliance's coin integral can be arranged in advance by each financial institution system.Wherein, credit is converted to alliance's coin
The conversion process of integral can be completed as the node in alliance's chain where respective financial institutions system, can also be by financial machine
Other equipment inside construction system are completed.
Other financial institution systems of S104, the first financial institution system into alliance's chain send a notification message.
The notification message generates in other financial institution system alliance chains from the first financial institution system for notifying
So that the second financial institution system handles Transaction Information, the second financial institution system is to obtain in alliance's chain for transaction
Get the financial institution system of book keeping operation power.
Optionally, which is only used for notifying there is transaction in other first financial institution systems of financial institution system
Information needs are kept accounts.In this way, the second financial system can notify the when the second financial institution system is after contention is weighed to book keeping operation
One financial system sends this time corresponding user identifier of transaction and alliance's coin integral.
Optionally, user identifier and alliance's coin integral are also carried in the notification message.
S105, each financial institution system contention book keeping operation power.
Other financial institution systems will be produced from the book keeping operation of the transaction of the first financial institution system by common recognition mechanism contention
Power, wherein the financial institution system of contention to book keeping operation power can also be the first financial institution system itself.
Specifically, being produced from the first financial institution by digging mine mode by the preselected node in financial institution system to fight for
During the book keeping operation power of the transaction of system, preselected node will participate in fighting for book keeping operation power, these preselected nodes are known as staying away from work without leave, solve
The process of random number needs to fight for book keeping operation power when each miner receives notification message, will do it digging mine mine is dug.Dig mine
Process is to solve for the process of a difficult math question, before digging mine every time, can set out a target value, the target value and degree-of-difficulty factor
Correlation, each digging mine process of miner is exactly to generate a random number, and by the Hash of this random number and unique identification block
Value carries out Hash, and the result of generation is compared with target value, if it is less than target value, it is considered that digging mine success.It should
Specific implementation process can refer to the prior art, and details are not described herein again.
S106, the second financial institution system obtain the book keeping operation to the transaction for being produced from the first financial institution system and weigh.
S107, the second financial institution system obtain be produced from the first financial institution system the corresponding user identifier of transaction and
Alliance's coin integral.
The embodiment of the present application does not limit the sequence that executes of above-mentioned S105, S106, S107, such as: between these three steps
Execution sequence can also be S107, S105, S106.
Optionally, if after the second financial institution system contention to book keeping operation power, the transmission of the first financial institution system has not been obtained
Carry user identifier and alliance's coin integral, i.e. the first financial institution system send notification message be only used for notifying second
There are Transaction Information needs to be kept accounts in the first financial institution system of financial institution system, then the second financial institution system contention is arrived
The transmission of the first financial institution system will be notified to carry the information of user identifier and alliance's coin integral after book keeping operation power.Later,
Second financial institution system will directly execute the processing of following step S108 to user identifier and alliance's coin integral got
Process.
If having obtained carrying for the first financial institution system transmission after the second financial institution system contention to book keeping operation power
User identifier and alliance's coin integral, i.e., carry user identifier and alliance's coin integral, then the second financial institution in notification message
System will directly execute the treatment process of following step S108 to user identifier and alliance's coin integral got.
Whether S108, the second financial institution system detect total containing the corresponding history alliance coin of user identifier in itself block
Integral.
The history alliance coin total mark refers to that historical trading relevant to the user identifier generates total before current transaction
Integral.
If detecting and having contained the corresponding history alliance coin total mark of user identifier in itself block, step S1081 is executed,
If being not detected in block containing the corresponding history alliance coin total mark of user identifier, step S1082 is executed.
The corresponding alliance's coin integral of the cumulative user identifier of S1081, the second financial institution system and history alliance coin are total
Integral, and update the corresponding alliance's coin total mark of the user identifier.
S1082, the second financial institution system store the user identifier and its corresponding alliance's coin integral.
Second financial institution system obtains the corresponding user identifier of transaction and the alliance for being produced from the first financial institution system
After coin integral, the information in itself block is detected, has contained same subscriber mark in itself block if detecting
History alliance coin total mark, then add up to the alliance's coin integral got with history alliance coin total mark, and to the use
Alliance's coin total mark of family mark is updated.
Optionally, if the second financial institution system obtain be same user identifier the corresponding alliance's coin of repeatedly transaction
Integral, the second financial institution system are also required to fold the corresponding corresponding alliance's coin integral of repeatedly trading of same user identifier
Add.
User identifier and alliance's coin total mark are sent to other financial institution systems by S109, the second financial institution system.
User identifier and alliance's coin total mark are sent to other financial institution systems by the second financial institution system, if other
The corresponding alliance's coin total mark of the user identifier is contained in financial institution system, then other financial institution systems are by the user
Corresponding alliance's coin total mark is identified to be updated；If not containing the corresponding alliance of the user identifier in other financial institution systems
Coin total mark, then other financial institution systems directly store the corresponding alliance's coin integral of the user identifier.
Specifically, other financial institution systems in own system whether there is the user identifier detection before, by basis
Common recognition mechanism verifies the corresponding alliance's coin total mark of the user identifier, also, the corresponding alliance's coin of the user identifier is total
Integral needs to be verified by financial institution system more than half, which can refer to the prior art, herein
It repeats no more.
When any one financial institution system of the user in alliance's chain uses accumulated point exchanging function, respective financial institutions
Alliance's coin integral is converted credit by system.
The method that credit is mutually known between different financial institution provided by the embodiments of the present application, based on alliance's chain,
More financial institution systems coalize chain, and the first financial institution system receives the Credit Card Swiping Transaction Information of user, according to
Transaction amount determines credit, and credit is converted to alliance's coin integral；Later, other gold into alliance's chain
Melt train of mechanism to send a notification message, so that the book keeping operation power that other financial institution system contentions in alliance's chain are traded, contention are arrived
Second financial institution system of power of keeping accounts handles alliance's coin integral of user identifier, and alliance's coin is total by treated
Other financial institution systems being sent in alliance's chain are integrated, other financial institution systems is made to store alliance's coin of the user identifier
Total mark.The mutual knowledge for realizing credit between different financial institution, improves the utilization rate of credit.
For example, client, which can just enjoy, exempts from annual fee and use when the credit of financial institution reaches certain numerical value
The equity such as accumulated point exchanging gift, if same client does not reach the product that can exchange gift in the credit of different bank
Score value will cause the waste of credit, if the credit in more banks of the client can add up, different finance
Credit can mutually be known between mechanism, will promote the utilization rate of client credit card integral.
In addition, the relevant electronic emporium of the credit that can also reduce by each financial institution in this way, client service center etc.
The exploitation and operation cost of system enhance the mutual tolerance intercommunication between each financial institution system.
The device that the embodiment of the present application can mutually know credit different financial institution according to above method example
The division of functional module perhaps functional unit is carried out for example, each functional module of each function division or function can be corresponded to
Two or more functions can also be integrated in a processing module by unit.Above-mentioned integrated module can both adopt
With formal implementation of hardware, can also be realized in the form of software function module or functional unit.Wherein, the application is implemented
It is schematical, only a kind of logical function partition to the division of module or unit in example, can has in actual implementation another
Outer division mode.
Fig. 3 shows the one kind for the device that credit between different financial institution involved in above-described embodiment is mutually known
Possible structural schematic diagram.The device includes receiving module 201, determining module 202, transmission mould as the first financial institution system
Block 203.
Wherein, receiving module 201 receive the Credit Card Swiping Transaction Information of user for first financial institution system,
The Credit Card Swiping Transaction Information includes user identifier and transaction amount, and first financial institution system is alliance's chain
In any one financial institution system.
Determining module 202, for determining credit according to the transaction amount, and according to credit and connection
The credit is converted to alliance's coin integral by the exchange proportion of alliance's coin integral.
Sending module 203 sends a notification message for other financial institution systems into alliance's chain, the notification message
For notifying to generate the transaction from the first financial institution system so that second in other described financial institution system alliance chains
Financial institution system handles the transaction, and second financial institution system is that book keeping operation power is got in alliance's chain
Financial institution system, wherein first financial institution system be alliance's chain in any one financial institution system.
The method, apparatus that credit is mutually known between different financial institution provided by the embodiments of the present application is with alliance's chain
Basis, more financial institution systems coalize chain, and the first financial institution system receives the Credit Card Swiping Transaction Information of user,
Credit is determined according to transaction amount, and credit is converted into alliance's coin integral；Later, its into alliance's chain
He sends a notification message at financial institution system, so that the book keeping operation power that other financial institution system contentions in alliance's chain are traded, strives
The second financial institution system taken by force to book keeping operation power handles alliance's coin of user identifier integral, and will treated alliance
Coin total mark is sent to other financial institution systems in alliance's chain, other financial institution systems is made to store the connection of the user identifier
Alliance's coin total mark.The mutual knowledge for realizing credit between different financial institution, improves the utilization rate of credit.
Fig. 4 shows the one kind for the device that credit between different financial institution involved in above-described embodiment is mutually known
Possible structural schematic diagram.The device includes receiving module 301, determining module 302 as the second financial institution system.
Wherein, receiving module 301 receive the notice that the first financial institution system is sent for second financial institution system
Message, the notification message generate the friendship from the first financial institution system for notifying in other financial institution system alliance chains
Easily.
Determining module 302, for obtaining the power of the book keeping operation to the transaction for being produced from the first financial institution system, and acquisition institute
State the corresponding user identifier of transaction for being produced from the first financial institution system and alliance's coin integral；Contain if detecting in block
The corresponding history alliance coin total mark of the user identifier carries out alliance's coin integral and the history alliance coin total mark
It adds up to update the corresponding alliance's coin total mark of the user identifier in the block；If being not detected in block containing described
The corresponding history alliance coin total mark of user identifier then stores the user identifier and corresponding alliance's coin integral within a block.
The method, apparatus that credit is mutually known between different financial institution provided by the embodiments of the present application is with alliance's chain
Basis, more financial institution systems coalize chain, and the first financial institution system receives the Credit Card Swiping Transaction Information of user,
Credit is determined according to transaction amount, and credit is converted into alliance's coin integral；Later, its into alliance's chain
He sends a notification message at financial institution system, so that the book keeping operation power that other financial institution system contentions in alliance's chain are traded, strives
The second financial institution system taken by force to book keeping operation power handles alliance's coin of user identifier integral, and will treated alliance
Coin total mark is sent to other financial institution systems in alliance's chain, other financial institutions is made to store alliance's coin of the user identifier
Total mark.The mutual knowledge for realizing credit between different financial institution, improves the utilization rate of credit.
Fig. 5 shows the another of the device that credit between different financial institution involved in above-described embodiment is mutually known
Structural schematic diagram.The device includes: communication unit 401 and processing unit 402 as the first financial institution system.Processing unit
402 for carrying out control management to the movement of first financial institution system, for example, executing what above-mentioned determining module 202 executed
Step, and/or other processes for executing techniques described herein.Communication unit 401 is for supporting the first financial institution
The communication of system and other network entities, for example, the step of executing above-mentioned receiving module 201, the execution of sending module 203.This
One financial institution system can also include storage unit 403 and bus 404, and storage unit 403 is for storing the first financial institution
The program code and data of system.
Wherein, as shown in fig.7, above-mentioned processing unit 402 can be processor 601 in the first financial institution system or
Controller, the processor or controller, which may be implemented or execute, combines various examples described in the embodiment of the present application disclosure
The logic block of property, module and circuit.The processor or controller can be central processing unit, general processor, digital signal
It is processor, specific integrated circuit, field programmable gate array or other programmable logic device, transistor logic, hard
Part component or any combination thereof.It, which may be implemented or executes, combines various examples described in the embodiment of the present application disclosure
The logic block of property, module and circuit.The processor is also possible to realize the combination of computing function, such as includes one or more
The combination etc. of a micro processor combination, DSP and microprocessor.
Communication unit 401 can be transceiver, transmission circuit or communication interface 602 in the first financial institution system etc..
Storage unit 403 can be memory 603 in the first financial institution system etc., which may include volatile
Property memory, such as random access memory；The memory also may include nonvolatile memory, such as read-only memory,
Flash memory, hard disk or solid state hard disk；The memory can also include the combination of the memory of mentioned kind.
Bus 604 can be expanding the industrial standard structure (Extended Industry Standard
Architecture, EISA) bus etc..Bus 604 can be divided into address bus, data/address bus, control bus etc..For convenient for table
Show, only indicated with a thick line in Fig. 7, it is not intended that an only bus or a type of bus.
Fig. 6 shows the another of the device that credit between different financial institution involved in above-described embodiment is mutually known
Structural schematic diagram.The device includes: communication unit 501 and processing unit 502 as the second financial institution system.Processing unit
502 for carrying out control management to the movement of the second financial institution system, for example, executing the step that above-mentioned determining module 302 executes
And/or other processes for executing techniques described herein suddenly,.Communication unit 501 is for supporting system of the second financial institution
The communication of system and other network entities, for example, executing the step of above-mentioned receiving module 301 executes.Credit between different financial institution
The device that cap product point is mutually known can also include storage unit 503 and bus 504, and storage unit 503 is for storing the second financial machine
The program code and data of construction system.
Wherein, as shown in fig.8, above-mentioned processing unit 502 can be processor 701 in the second financial institution system or
Controller, the processor or controller, which may be implemented or execute, combines various examples described in the embodiment of the present application disclosure
The logic block of property, module and circuit.The processor or controller can be central processing unit, general processor, digital signal
It is processor, specific integrated circuit, field programmable gate array or other programmable logic device, transistor logic, hard
Part component or any combination thereof.It, which may be implemented or executes, combines various examples described in the embodiment of the present application disclosure
The logic block of property, module and circuit.The processor is also possible to realize the combination of computing function, such as includes one or more
The combination etc. of a micro processor combination, DSP and microprocessor.
Communication unit 501 can be transceiver, transmission circuit or communication interface 702 in the second financial institution system etc..
Storage unit 503 can be memory 703 in the second financial institution system etc., which may include volatile
Property memory, such as random access memory；The memory also may include nonvolatile memory, such as read-only memory,
Flash memory, hard disk or solid state hard disk；The memory can also include the combination of the memory of mentioned kind.
Bus 704 can be expanding the industrial standard structure (Extended Industry Standard
Architecture, EISA) bus etc..Bus 704 can be divided into address bus, data/address bus, control bus etc..For convenient for table
Show, only indicated with a thick line in Fig. 8, it is not intended that an only bus or a type of bus.
Through the above description of the embodiments, it is apparent to those skilled in the art that, for description
It is convenienct and succinct, only the example of the division of the above functional modules, in practical application, can according to need and will be upper
It states function distribution to be completed by different functional modules, i.e., the internal structure of device is divided into different functional modules, to complete
All or part of function described above.The specific work process of the system, apparatus, and unit of foregoing description, before can referring to
The corresponding process in embodiment of the method is stated, details are not described herein.
The embodiment of the present application also provides a kind of computer readable storage medium, and finger is stored in computer readable storage medium
It enables, when computer executes the instruction, which executes the first financial machine in method flow shown in above method embodiment
Each step that construction system executes.Alternatively, instruction is stored in computer readable storage medium, when computer executes the instruction
When, which executes each step that the second financial institution system executes in method flow shown in above method embodiment.
Wherein, computer readable storage medium, such as electricity, magnetic, optical, electromagnetic, infrared ray can be but not limited to or partly led
System, device or the device of body, or any above combination.The more specific example of computer readable storage medium is (non-poor
The list of act) it include: the electrical connection with one or more conducting wires, portable computer diskette, hard disk, random access memory
(Random Access Memory, RAM), read-only memory (Read-Only Memory, ROM), erasable type may be programmed read-only
It is memory (Erasable Programmable Read Only Memory, EPROM), register, hard disk, optical fiber, portable
Compact disc read-only memory (Compact Disc Read-Only Memory, CD-ROM), light storage device, magnetic memory
The computer readable storage medium of part or above-mentioned any appropriate combination or any other form well known in the art.
A kind of illustrative storage medium is coupled to processor, to enable a processor to from the read information, and can be to
Information is written in the storage medium.Certainly, storage medium is also possible to the component part of processor.Pocessor and storage media can be with
In application-specific IC (Application Specific Integrated Circuit, ASIC).In the application
In embodiment, computer readable storage medium can be any tangible medium for including or store program, which can be referred to
Enable execution system, device or device use or in connection.
The above, the only specific embodiment of the application, but the protection scope of the application is not limited thereto, it is any
Change or replacement within the technical scope of the present application should all be covered within the scope of protection of this application.Therefore, this Shen
Protection scope please should be subject to the protection scope in claims.
Claims (10)
1. a kind of method that credit is mutually known between different financial institution, which is characterized in that be applied to by least two finance
Alliance's chain of train of mechanism composition；The described method includes:
First financial institution system receives the Credit Card Swiping Transaction Information of user, and the Credit Card Swiping Transaction Information includes to use
Family mark and transaction amount, first financial institution system are any one financial institution system in alliance's chain；
Credit is determined according to the transaction amount；
According to the exchange proportion of credit and alliance's coin integral, the credit is converted into alliance's coin integral；
Other financial institution systems into alliance's chain send a notification message, and the notification message is for notifying other described finance
The transaction from the first financial institution system is generated in train of mechanism alliance chain so that the second financial institution system is to the friendship
It is easily handled, second financial institution system is that the financial institution system of book keeping operation power is got in alliance's chain.
2. the method according to claim 1, wherein including: the user identifier and connection in the notification message
Alliance's coin integral.
3. method according to claim 1 or 2, which is characterized in that the notification message further includes bank identifier or trade company
Mark.
4. a kind of method that credit is mutually known between different financial institution, which is characterized in that be applied to by least two finance
Alliance's chain of train of mechanism composition；The described method includes:
Second financial institution system receives the notification message that the first financial institution system is sent, and the notification message is for notifying it
The transaction from the first financial institution system is generated in his financial institution system alliance chain；
The book keeping operation to the transaction for being produced from the first financial institution system is obtained to weigh；
The corresponding user identifier of transaction and alliance's coin integral of the first financial institution system are produced from described in acquisition；
Contained the corresponding history alliance coin total mark of the user identifier in block if detecting, by alliance's coin integral and
The history alliance coin total mark is added up to update the corresponding alliance's coin total mark of the user identifier in the block；
If being not detected in block containing the corresponding history alliance coin total mark of the user identifier, the use is stored within a block
Family mark and corresponding alliance's coin integral.
5. according to the method described in claim 4, it is characterized in that, alliance's coin integral and history alliance coin is total
After integral is added up to update the corresponding alliance's coin total mark of the user identifier in the block, the method is also wrapped
It includes:
The user identifier and alliance's coin total mark are sent to other described financial institution systems, so that other described gold
Melt train of mechanism alliance's coin total mark corresponding to the user identifier to be updated；
Or, it is described store within a block the user identifier and corresponding alliance's coin integral after, the method also includes:
The user identifier and alliance's coin integral are sent to other described financial institution systems, so that other described finance
Train of mechanism stores the user identifier and alliance's coin integrates.
6. the device that credit is mutually known between a kind of different financial institution, which is characterized in that be applied to by least two finance
Alliance's chain of train of mechanism composition；Described device is as the first financial institution system, comprising:
Receiving module, for receiving the Credit Card Swiping Transaction Information of user, the Credit Card Swiping Transaction Information includes user
Mark and transaction amount；
Determining module, for determining credit according to the transaction amount, and according to credit and alliance's coin product
The credit is converted to alliance's coin integral by the exchange proportion divided；
Sending module sends a notification message for other financial institution systems into alliance's chain, and the notification message is for leading to
Know and generates the transaction from the first financial institution system in other described financial institution system alliance chains so that the second financial machine
Construction system handles the transaction, and second financial institution system is that the finance of book keeping operation power is got in alliance's chain
Train of mechanism；
Wherein, first financial institution system is any one financial institution system in alliance's chain.
7. device according to claim 6, which is characterized in that include: institute in the notification message that the sending module is sent
State user identifier and alliance's coin integral.
8. device according to claim 6 or 7, which is characterized in that also wrapped in the notification message that the sending module is sent
It includes: bank identifier or merchant identification.
9. the device that credit is mutually known between a kind of different financial institution, which is characterized in that be applied to by least two finance
Alliance's chain of train of mechanism composition；Described device is as the second financial institution system, comprising:
Receiving module, for receiving the notification message of the first financial institution system transmission, the notification message is for notifying other
The transaction from the first financial institution system is generated in financial institution system alliance chain；
Determining module, for obtaining the power of the book keeping operation to the transaction for being produced from the first financial institution system, and the acquisition generation
The corresponding user identifier of transaction and alliance's coin integral from the first financial institution system；The use is contained in block if detecting
Family identifies corresponding history alliance coin total mark, by alliance's coin integral and the history alliance coin total mark added up with
The corresponding alliance's coin total mark of the user identifier is updated in the block；It is marked if being not detected in block containing the user
Know corresponding history alliance coin total mark, then stores the user identifier and corresponding alliance's coin integral within a block.
10. device according to claim 9, which is characterized in that described device further include:
Sending module, for the user identifier and alliance's coin total mark to be sent to other described financial institution systems,
So that described other financial institution systems alliance's coin total mark corresponding to the user identifier is updated；
Or, the user identifier and alliance's coin integral are sent to other described financial institution systems so that it is described other
Financial institution system stores the user identifier and alliance's coin integrates.
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| CN201811162877.5A CN109345311A (en) | 2018-09-30 | 2018-09-30 | The method and device that credit is mutually known between different financial institution |
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| CN201811162877.5A CN109345311A (en) | 2018-09-30 | 2018-09-30 | The method and device that credit is mutually known between different financial institution |
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| CN201811162877.5A Pending CN109345311A (en) | 2018-09-30 | 2018-09-30 | The method and device that credit is mutually known between different financial institution |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110189176A (en) * | 2019-05-29 | 2019-08-30 | 中国联合网络通信集团有限公司 | Integration managing mechanism, method and system based on alliance's chain |
| CN111127078A (en) * | 2019-12-03 | 2020-05-08 | 北京书礼行知文化传媒有限公司 | Block chain-based point transaction method and system and electronic equipment |
| CN111401867A (en) * | 2020-03-18 | 2020-07-10 | 腾讯科技（深圳）有限公司 | Resource transfer method and device based on block chain, node equipment and storage medium |
| CN111582935A (en) * | 2020-05-08 | 2020-08-25 | 张宸源 | Block chain-based integral mutual identification method and system |
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| CN107122993A (en) * | 2017-04-24 | 2017-09-01 | 杭州趣链科技有限公司 | A kind of General integral system based on block chain |
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| CN107122993A (en) * | 2017-04-24 | 2017-09-01 | 杭州趣链科技有限公司 | A kind of General integral system based on block chain |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110189176A (en) * | 2019-05-29 | 2019-08-30 | 中国联合网络通信集团有限公司 | Integration managing mechanism, method and system based on alliance's chain |
| CN111127078A (en) * | 2019-12-03 | 2020-05-08 | 北京书礼行知文化传媒有限公司 | Block chain-based point transaction method and system and electronic equipment |
| CN111401867A (en) * | 2020-03-18 | 2020-07-10 | 腾讯科技（深圳）有限公司 | Resource transfer method and device based on block chain, node equipment and storage medium |
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