CN110163595A - Pre-payment consumption management method, system and storage medium based on block chain - Google Patents

Pre-payment consumption management method, system and storage medium based on block chain Download PDF

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Publication number
CN110163595A
CN110163595A CN201910332469.8A CN201910332469A CN110163595A CN 110163595 A CN110163595 A CN 110163595A CN 201910332469 A CN201910332469 A CN 201910332469A CN 110163595 A CN110163595 A CN 110163595A
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customer
block chain
information
businessman
intelligent contract
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CN110163595B (en
Inventor
陈群
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Zhuhai College of Jilin University
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Zhuhai College of Jilin University
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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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]

Abstract

The invention discloses pre-payment consumption management method, system and storage medium based on block chain, method includes: that the prepaying charge money for paying customer is stored in bank's public supervision and management account；The prepaying charge money information and consumption information that customer pays are recorded by block chain distribution account book；According to the prepaying charge money information and consumption information recorded on block chain distribution account book, appropriates funds and settle accounts from bank's public supervision and management account to businessman；According to the operation information of businessman, pre-payment left fund is returned to customer based on preset intelligent contract.Present invention utilizes block chains the characteristics of can not distorting, can be traced, can verify that, it does not need to be stored in advance payment in businessman's hand, a possibility that businessman in pre-payment consumption service rolls up money " running away " is prevented, it can ensure the transfer demand and reimbursement demand of advance payment client, the safety for improving customer consumption can be widely applied to pre-payment consumption service field.

Description

Pre-payment consumption management method, system and storage medium based on block chain
Technical field
The present invention relates to pre-payment consumption service fields, are based especially on the pre-payment consumption management method of block chain, are System and storage medium.
Background technique
Block chain (Blockchain) is the revolutionary internet that grow up one of last decade has impact force very much Technology can be constructed with it independent of third-party, self-operating social trust networks, push entire society to start value mutual Connection.Block chain technology is verified using encryption chain type block structure is known together algorithm next life with storing data, using distributed node At a kind of completely new decentralization programmed with more new data, using automatized script code (intelligent contract) with operation data Architecture and distributed computing normal form, block chain have decentralization, can not distort, can be traced, can verify that, the spy of anonymity Point.
Pre-payment member system as a kind of advanced marketing model by the favor of Chinese businessman, especially in various clubs, all The service trades such as the automobile services such as happy portion, cosmetology, health care, maintenance carwash, clothes dry-cleaning, educational training, the super retail of quotient In find broad application.For the businessman that service is provided, carry out the consumption of pre-payment member system, can quickly steam again in advance big Fund has enough to meet the need for developing deeply, it is often more important that can establish and maintain stable consumer resources, it is ensured that has lasting steady Fixed income.When customer becomes the member of businessman, personal essential information data is left, this has been grasped a large amount of for businessman The first-hand essential information and consumption information of consumer, can carry out Consumption, Jin Erfa at the characteristics of grasping and understanding customer base Dig bigger lasting commercial value.Customer member purchases services package in advance by the way of pre-payment, can enjoy biggish Discount, for duration consumption, overall expenditure greatly reduces, and can enjoy material benefit true.This mode is original It is businessman and the good for both sides good thing of customer.
But occur businessman due to pre-payment member system and sweep away the member of customer supplementing the case of advance payment " running away " with money repeatly There is generation, drastically influence the prestige of this pre-payment consumption service, has greatly hit customer to businessman's pre-payment member system The trust of consumption compromises traveller's stability of the faithful businessman of vast specification again in turn.
The typical module of member system consumption is that customer prepays a large number of money that number does not wait to businessman, buys different brackets Discount card, become corresponding VIP member.Service industry is different, pre-payment member's discount card supplement with money number variation compared with Greatly, once supplementing with money has from several hundred members to thousands of members, tens of thousands of members even hundreds of thousands member.To the same businessman, often recharge amount Bigger, membership grade is higher, and consumption discount rate is bigger, and consumer is more economical.The consumption of member system pre-payment makes customer enjoy folding While detaining preferential material benefit feeling, also tend to along with many recessive consumption traps, once bad businessman is met with, it is original to promise to undertake Special discount do not count or service quality heavy discount, or even stop doing business suddenly overnight, the evaporation of the businessman human world, The dear one is gone and the chamber remains deserted, Customer can not recover prepayment member's money, cause huge loss.
The reason of causing such case depends on businessman first is that customer directly all gives businessman the money of supplementing with money of prepayment substantially Prestige sell short promise, without other can equity restrict the means of businessman；Two, which are a lack of technological means, supports this member The risk prevention of pre-payment consumption processed, it is ensured that businessman honours an agreement, and customer is avoided to roll up money by businessman.
Summary of the invention
In view of this, the embodiment of the present invention provides a kind of highly-safe, pre-payment consumption management side based on block chain Method, system and storage medium.
In a first aspect, the embodiment of the invention provides a kind of pre-payment consumption management methods based on block chain, including with Lower step:
Merchant service protocol information and customer service protocol information are stored in block chain, form the first intelligent contract；
The prepaid services package informatin of businessman's publication is stored in block chain, forms the second intelligent contract；
Based on the second intelligent contract, the prepaying charge money that customer is paid is stored in bank's public supervision and management account；
Based on the second intelligent contract, by block chain distribution account book record prepaying charge money information that customer pays and Consumption information；
Based on the first intelligent contract, believed according to the prepaying charge money information and consumption that are recorded on block chain distribution account book Breath is appropriated funds from bank's public supervision and management account to businessman and is settled accounts；
Pre-payment is returned to customer according to the operation information of the refund of customer complaint and businessman based on the first intelligent contract Left fund.
Further, further comprising the steps of:
Merchant Account registration request is initiated according to enterprise name, business code, logon name and login password；
According to Merchant Account registration request, digital certificate is provided by block chain and generates merchant number；
Clients account registration request is initiated according to name, ID card No., logon name and login password；
According to clients account registration request, digital certificate is provided by block chain and generates customer number；
Business Information, merchant number and Customer Information, customer number are stored in block chain.
Further, described that merchant service protocol information and customer service protocol information are stored in block chain, form the first intelligence The step for energy contract, comprising the following steps:
Generate merchant service agreement and customer service agreement；
The first intelligent contract is generated according to the merchant service agreement and the customer service agreement；
The merchant service agreement, the customer service agreement and the first intelligent contract are stored in block chain；
Wherein, the merchant service agreement includes but is not limited to merchant number, revenue outturn condition and mode, customer's reimbursement Condition and mode, operator commission ratio and the new customer's incentive method of recommendation；
The customer service agreement includes but is not limited to customer number and sincere requirement.
Further, described to be based on the first intelligent contract, according to the prepaying charge money recorded on block chain distribution account book Information and consumption information appropriate funds the step for settling accounts from bank's public supervision and management account to businessman, comprising the following steps:
The intelligent contract of the first of block chain is triggered by preset condition and is performed automatically；
By executing the described first intelligent contract, according to the prepaying charge money information recorded on block chain distribution account book And consumption information, settle accounts the current revenue of businessman；
By executing the described first intelligent contract, according to the prepaying charge money information recorded on block chain distribution account book And consumption information, settle accounts the current period commission of operator；
By executing the described first intelligent contract, new customer is recommended according to the patron recorded on block chain distribution account book Bonus information, the bonus of the patron should be paid by settling accounts businessman described in the current period；
The quotient is calculated according to the income, the commission, the bonus by executing the described first intelligent contract The current period settlement money of family；
By executing the described first intelligent contract, from bank's public supervision and management account to the businessman appropriate the settlement money, To the operator appropriates the commission, Xiang Suoshu patron appropriates the bonus；
By executing the described first intelligent contract, block chain state repository is updated.
Further, described to be based on the first intelligent contract, according to the operation information of the refund of customer complaint and businessman, to customer The step for returning pre-payment left fund, comprising the following steps:
The reimbursement complaint request that customer initiates businessman is recorded by block chain distribution account book；
When the customer's ratio for initiating reimbursement complaint request for the businessman meets first threshold, the of triggering block chain One intelligent contract executes；
By executing the described first intelligent contract, notice operator verifies businessman's situation that customer is appealed；
The operator appeals situation to the suffered reimbursement of the businessman and business circumstance is verified and confirmed；
After determining that reimbursement complaint request is correct, indicate that the described first intelligent contract of triggering block chain executes with reimbursement；
By executing the described first intelligent contract, the balances of advance payments of the customer of the businessman are settled accounts, from the public prison of bank The pre-payment left fund is returned to the customer by pipe account；
By executing the described first intelligent contract, block chain state repository is updated.
Further, further comprising the steps of:
The request of prepaid services packet is transferred the possession of according to customer, the state for modifying service package information described in block chain is to turn It allows；
Cancel the request for transferring the possession of prepaid services packet according to customer, the state for modifying service package information described in block chain is Normally；
After other customers buy the transfer service packet, other described customers are recorded by block chain distribution account book and are obtained Prepaying charge money information and consumption information；
After other customers buy the transfer service packet, the clothes of having transferred the possession of out former customer in block chain distribution account book The clearing of money information is supplemented in the payment of business packet with money；
After other customers buy the transfer service packet, the purchase money of other customers is turned to pay the Gu sold Visitor.
Further, further comprising the steps of:
The consumption evaluation information of customer is stored to block chain；
According to merchant number, the network address of customer number and the Business Information webpage, generates and recommend two dimensional code；
New customer identifies the two dimensional code, into the Intelligence Page of the businessman, and the prepayment of businessman described in first purchase Take services package；
According to the new customer by identifying businessman's prepaid services packet described in the two dimensional code first purchase, in block chain Distributed account book records the prepaying charge money information and consumption information that the new customer pays；
Passed through according to the new customer and identify businessman's prepaid services packet described in the two dimensional code first purchase, described in calculating The bonus from the businessman that the corresponding customer of customer number obtains, and the reward is recorded in block chain distribution account book Golden information.
Second aspect, the embodiment of the invention also provides a kind of pre-payment consumption management systems based on block chain, comprising:
Interface module, for obtaining and showing but being not limited to Customer Information, Business Information, Transaction Information, status information, system Count information, evaluation information；
Block chain distribution account book, for record but be not limited to Business Information, Customer Information, prepaying charge money information, Consumption information, bonus information, reimbursement complaint information and evaluation information；
Block chain intelligence contract, for executing but being not limited to carry out the update of state repository data after triggering, account accounting, appropriate Settlement money returns balances of advance payments；
The center block chain CA, for completing but being not limited to Account Registration, provide digital certificate, encryption and decryption, authentication；
Payment module, for the execution according to the intelligent contract, in customer's fund account, businessman's fund account, operation Payment by the transfer of accounts is carried out between square fund account, bank's public supervision and management account.
The third aspect, the embodiment of the invention also provides a kind of pre-payment consumption management systems based on block chain, comprising:
At least one processor；
At least one processor, for storing at least one program；
When at least one described program is executed by least one described processor, so that at least one described processor is realized The pre-payment consumption management method based on block chain.
Fourth aspect, the embodiment of the invention also provides a kind of storage mediums, wherein being stored with the executable finger of processor It enables, the executable instruction of the processor is when executed by the processor for executing the pre-payment consumption based on block chain Management method.
One or more technical solutions in the embodiments of the present invention have the advantages that the embodiment of the present invention will care for The prepaying charge money that visitor pays is stored in bank's public supervision and management account, then records customer by block chain distribution account book and pays Prepaying charge money information and consumption information, from bank's public supervision and management account to businessman appropriate funds settle accounts, finally can also be according to quotient The suffered refund complaint of family and operation information return pre-payment left fund to customer based on preset intelligent contract；The present invention utilizes The characteristics of can not distorting, can be traced, can verify that of block chain, does not need to be stored in advance payment in businessman's hand, has prevented pre- A possibility that businessman in payment consumption service rolls up money " running away ", can ensure the reimbursement demand of advance payment client, improve Gu The safety of visitor's consumption.
Detailed description of the invention
Fig. 1 is the step flow chart of the embodiment of the present invention；
Fig. 2 is the application system interface function module map of the embodiment of the present invention；
Fig. 3 is the identity registration ste schematic diagram of the embodiment of the present invention；
Fig. 4 is the service agreement generation step schematic diagram of the embodiment of the present invention；
Fig. 5 is the step schematic diagram that the businessman of the embodiment of the present invention releases news；
Fig. 6 is the step schematic diagram of the embodiment of the present invention recommended with lottery；
Fig. 7 is that the customer of the embodiment of the present invention buys the step schematic diagram of prepaid services；
Fig. 8 is the step schematic diagram that the customer of the embodiment of the present invention consumes to shop；
Fig. 9 is the step schematic diagram of the on-line evaluation process of the embodiment of the present invention；
Figure 10 is that the businessman of the embodiment of the present invention settles accounts the step schematic diagram of income；
Figure 11 is step schematic diagram of the platform to customer's reimbursement of the embodiment of the present invention；
Figure 12 is step schematic diagram of the businessman to customer's reimbursement of the embodiment of the present invention；
Figure 13 is the step schematic diagram of customer's transfer service packet of the embodiment of the present invention；
Figure 14 is the system structure diagram of the embodiment of the present invention.
Specific embodiment
The present invention is further explained and is illustrated with specific embodiment with reference to the accompanying drawings of the specification.For of the invention real The step number in example is applied, is arranged only for the purposes of illustrating explanation, any restriction is not done to the sequence between step, is implemented The execution sequence of each step in example can be adaptively adjusted according to the understanding of those skilled in the art.
Referring to Fig.1, the embodiment of the invention provides a kind of pre-payment consumption management method based on block chain, including it is following Step:
Merchant service protocol information and customer service protocol information are stored in block chain, form the first intelligent contract；
The prepaid services package informatin of businessman's publication is stored in block chain, forms the second intelligent contract；
Based on the second intelligent contract, the prepaying charge money that customer is paid is stored in bank's public supervision and management account；
Based on the second intelligent contract, by block chain distribution account book record prepaying charge money information that customer pays and Consumption information；
Based on the first intelligent contract, believed according to the prepaying charge money information and consumption that are recorded on block chain distribution account book Breath is appropriated funds from bank's public supervision and management account to businessman and is settled accounts；
Pre-payment is returned to customer according to the operation information of the refund of customer complaint and businessman based on the first intelligent contract Left fund.
It is further used as preferred embodiment, further comprising the steps of:
Merchant Account registration request is initiated according to enterprise name, business code, logon name and login password；
According to Merchant Account registration request, digital certificate is provided by block chain and generates merchant number；
Clients account registration request is initiated according to name, ID card No., logon name and login password；
According to clients account registration request, digital certificate is provided by block chain and generates customer number；
Business Information, merchant number and Customer Information, customer number are stored in block chain.
It is further used as preferred embodiment, it is described to be stored in merchant service protocol information and customer service protocol information The step for block chain, formation the first intelligence contract, comprising the following steps:
Generate merchant service agreement and customer service agreement；
The first intelligent contract is generated according to the merchant service agreement and the customer service agreement；
The merchant service agreement, the customer service agreement and the first intelligent contract are stored in block chain；
Wherein, the merchant service agreement includes but is not limited to merchant number, revenue outturn condition and mode, customer's reimbursement Condition and mode, operator commission ratio and the new customer's incentive method of recommendation；
The customer service agreement includes but is not limited to customer number and sincere requirement.
It is further used as preferred embodiment, it is described to be based on the first intelligent contract, according on block chain distribution account book The prepaying charge money information and consumption information of record are appropriated funds the step for settling accounts from bank's public supervision and management account to businessman, packet Include following steps:
The intelligent contract of the first of block chain is triggered by preset condition and is performed automatically；
By executing the described first intelligent contract, according to the prepaying charge money information recorded on block chain distribution account book And consumption information, settle accounts the current revenue of businessman；
By executing the described first intelligent contract, according to the prepaying charge money information recorded on block chain distribution account book And consumption information, settle accounts the current period commission of operator；
By executing the described first intelligent contract, new customer is recommended according to the patron recorded on block chain distribution account book Bonus information, the bonus of the patron should be paid by settling accounts businessman described in the current period；
The quotient is calculated according to the income, the commission, the bonus by executing the described first intelligent contract The current period settlement money of family；
By executing the described first intelligent contract, from bank's public supervision and management account to the businessman appropriate the settlement money, To the operator appropriates the commission, Xiang Suoshu patron appropriates the bonus；
By executing the described first intelligent contract, block chain state repository is updated.
It is further used as preferred embodiment, it is described to be based on the first intelligent contract, according to the complaint of the refund of customer and quotient The operation information of family, the step for returning pre-payment left fund to customer, comprising the following steps:
The reimbursement complaint request that customer initiates businessman is recorded by block chain distribution account book；
When the customer's ratio for initiating reimbursement complaint request for the businessman meets first threshold, the of triggering block chain One intelligent contract executes；
By executing the described first intelligent contract, notice operator verifies businessman's situation that customer is appealed；
The operator appeals situation to the suffered reimbursement of the businessman and business circumstance is verified and confirmed；
After determining that reimbursement complaint request is correct, indicate that the described first intelligent contract of triggering block chain executes with reimbursement；
By executing the described first intelligent contract, the balances of advance payments of the customer of the businessman are settled accounts, from the public prison of bank The pre-payment left fund is returned to the customer by pipe account；
By executing the described first intelligent contract, block chain state repository is updated.
It is further used as preferred embodiment, further comprising the steps of:
The request of prepaid services packet is transferred the possession of according to customer, the state for modifying service package information described in block chain is to turn It allows；
Cancel the request for transferring the possession of prepaid services packet according to customer, the state for modifying service package information described in block chain is Normally；
After other customers buy the transfer service packet, other described customers are recorded by block chain distribution account book and are obtained Prepaying charge money information and consumption information；
After other customers buy the transfer service packet, the clothes of having transferred the possession of out former customer in block chain distribution account book The clearing of money information is supplemented in the payment of business packet with money；
After other customers buy the transfer service packet, the purchase money of other customers is turned to pay the Gu sold Visitor.
It is further used as preferred embodiment, further comprising the steps of:
The consumption evaluation information of customer is stored to block chain；
According to merchant number, the network address of customer number and the Business Information webpage, generates and recommend two dimensional code；
New customer identifies the two dimensional code, into the Intelligence Page of the businessman, and the prepayment of businessman described in first purchase Take services package；
According to the new customer by identifying businessman's prepaid services packet described in the two dimensional code first purchase, in block chain Distributed account book records the prepaying charge money information and consumption information that the new customer pays；
Passed through according to the new customer and identify businessman's prepaid services packet described in the two dimensional code first purchase, described in calculating The bonus from the businessman that the corresponding customer of customer number obtains, and the reward is recorded in block chain distribution account book Golden information.
Corresponding with the method for Fig. 1, the embodiment of the invention also provides a kind of pre-payment consumption managements based on block chain System, comprising:
Interface module, for obtaining and showing but being not limited to Customer Information, Business Information, Transaction Information, status information, system Count information, evaluation information；
Block chain distribution account book, for record but be not limited to Business Information, Customer Information, prepaying charge money information, Consumption information, bonus information, reimbursement complaint information and evaluation information；
Block chain intelligence contract, for executing but being not limited to carry out the update of state repository data after triggering, account accounting, appropriate Settlement money returns balances of advance payments；
The center block chain CA, for completing but being not limited to Account Registration, provide digital certificate, encryption and decryption, authentication；
Payment module, for the execution according to the intelligent contract, in customer's fund account, businessman's fund account, operation Payment by the transfer of accounts is carried out between square fund account, bank's public supervision and management account.
Corresponding with the method for Fig. 1, the embodiment of the invention also provides a kind of pre-payment consumption managements based on block chain System, comprising:
At least one processor；
At least one processor, for storing at least one program；
When at least one described program is executed by least one described processor, so that at least one described processor is realized The pre-payment consumption management method based on block chain.
Corresponding with the method for Fig. 1, the embodiment of the invention also provides a kind of storage mediums, wherein being stored with processor can The instruction of execution, the executable instruction of the processor are described based on the pre- of block chain for executing when executed by the processor Payment consumption management method.
With reference to the accompanying drawings of the specification, detailed description of the present invention specific implementation process:
The present invention is used to provide one there are businessman's risk of fraud in the member system pre-payment consumption activity of row for service industry The service supporting system based on block chain and Internet technology is covered, so that the prepaying charge money that customer pays is not directly to give Businessman, but it is divided into the public supervision and management account of bank, and be recorded in block chain distribution account book, then pass through the intelligence of block chain Contract mechanism, customer is every at businessman to occur a consumption, block chain distribution account book is all recorded in, then according to the week of agreement Phase, (as monthly) settled accounts to businessman automatically, and settlement money is committed to businessman from banking supervision account.If businessman occurs to stop doing business not The case where capable of continuing offer service, after platform operation quotient is verified, will start intelligent contract, and the left fund of not consuming of customer is returned To customer.Due to the confidentiality of block chain, can not tamper, safety and trust property, in the system and its branch of operating mechanism Hold down, customer can relievedly buy be added the platform any businessman pre-payment discount card, and do not have to worry by Businessman deceives money.
Wherein, the present invention is using open source block chain technologies more than 3.0 versions, framework and technical specification with disclosed Implementation standard, therefore it is related to the detail sections such as storage mode, the operating process implemented inside block chain, not in the present specification It is described in detail.
(1) application system interface provides.As shown in Fig. 2, the application system of the present embodiment is with the tissue of similar electric business website Form provides the system interface of businessman and customer's registration, login；Administration page is provided, manages businessman and customer respectively With oneself business of operation；Offer business interface shows pre-payment discounted services packet businessman's publication and that customer transfers the possession of, Yi Jishang Family's information, its service of offer and the customer evaluation of acquisition, and include relevant operation button, the content of displaying comes from bottom block Its state repository is retrieved in platform chain, the request that block chain is issued according to upper layer application system, returns to query information to application system, Again by application system combined information after, show in interface by certain format.
(2) identity registration.As shown in figure 3, businessman is provided its enterprise name, business code, is stepped on by application system interface Title and login password are recorded, Merchant Account registration (i.e. businessman initiates Merchant Account registration request), bottom block platform chain are carried out The center CA give its to provide digital certificate, being used as it proves identity and authentication, and generates unique merchant number and feed back to application System interface.Customer is provided its name, ID card No., logon name and login password, is cared for by application system interface Number card is provided at objective Account Registration (i.e. customer initiates clients account registration request), the center CA of bottom block platform chain to it Book, being used as it proves identity and authentication, and generates unique customer number and feed back to application system interface.Businessman and customer's registration Account information be stored in the distributed account book of block chain.
(3) platform service agreement is formed.As shown in figure 4, in the present embodiment, the agreement of platform operation root evidence and businessman, Merchant service agreement is generated by application system interface, and is transmitted to information terminal (computer or the mobile end of businessman by system End).The content of merchant service agreement include but is not limited to merchant number, revenue outturn condition and mode, operator commission ratio, Customer's reimbursement condition and mode recommend new customer's incentive method and other related explanations.Reimbursement condition is, certain amount ratio with The customer of upper (specific ratio can be preset) lodges a complaint (showing cause, it is up to standard to stop doing business or service for businessman), and platform Operator verifies merchant service situation and adds their confirmation.After businessman confirms service agreement, forming intelligent contract, (the i.e. first intelligence is closed About), it is stored in the data structure of lower layer's block platform chain.Customer completes on platform after login account, and system forms customer Service agreement, and it is transmitted to by system the mobile terminal of customer.The content of customer service agreement include but is not limited to customer number, Sincerity requires and related explanation.After customer's confirmation, intelligent contract (the i.e. first intelligent contract) is formed, it is flat to be stored in lower layer's block chain In the data structure of platform.
(4) businessman releases news.As shown in figure 5, businessman is issued it and is mentioned by application system interface in the present embodiment The service (including but not limited to title, content, price and related explanation) of confession, forming transaction, (content includes but is not limited to businessman Number, businessman's introduction, address, contact method, issuing time and the title of service, content, price, related explanation), it is transmitted to bottom Layer block platform chain in the block of record time zone block chain, and executes block chain after the legitimacy of block platform chain is examined Intelligent contract (the first intelligent contract), more new block chain state library information.Businessman passes through application system interface, publication pre-payment folding It detains services package (range, category, discount, quantity, time limit and related explanation that content includes but is not limited to total amount and service), with The form of intelligent contract (the i.e. second intelligent contract) is stored in the data structure of lower layer's block platform chain；Meanwhile forming transaction (content includes but is not limited to merchant number, total amount and the range of service, category, discount, quantity, time limit and related explanation), It is transmitted to bottom block platform chain, after the legitimacy of block platform chain is examined, in the block of record time zone block chain, and is executed The intelligent contract (the first intelligent contract) of block chain, more new block chain state library information.
(5) recommend prepaid services packet with lottery to customer.As shown in fig. 6, in the present embodiment, in the prepayment of businessman's publication " generate and recommend two dimensional code " button is provided with beside expense service package information.If oneself clicks this button to businessman, then one is generated A system web page interlinkage two dimensional code, wherein including this merchant number information；If customer bought this services package and clicked this " generate recommend two dimensional code " button then generates a system web page interlinkage two dimensional code, wherein include this merchant number information and This customer number information.After the two dimensional code of generation is saved, broadcast publicity can be carried out by wechat circle of friends etc., or directly transmit To the people known well.The new customer for seeing this two dimensional code will be in its information terminal after identifying this two dimensional code in its information terminal Show the webpage of present system, and businessman included in two dimensional code is shown for information about in influential position in webpage, Including but not limited to its service and advance payment service package information etc..If having purchased the advance payment of this businessman after this login of new customer Services package, and patron's number information has been brought in the two dimensional code before log-on webpage, then this businessman, which should give, recommends this new customer's Patron is rewarded.Incentive method is that at a transaction, (content includes but is not limited to merchant number, recommends to care for system multiform Visitor's number, recommended customer number, the instruction for servicing packet number, reward), it is transmitted to bottom block platform chain, by block chain After the legitimacy of platform is examined, time zone block chain is recorded, and executes intelligent contract (the second intelligent contract), updates state repository.The friendship Easy content is this businessman to one bonus of customer recommended, which ties when system is settled accounts next time to businessman from businessman It calculates and is reduced in money.The definition in intelligent contract (the first intelligent contract) of the ratio of bonus, for example it is equal to prepaid services gold filled Some percentage of volume.
(6) customer buys merchant service packet.As shown in fig. 7, customer passes through application system interface, the clothes of browsing businessman's publication Information of being engaged in and pre-payment discounted services package informatin, the pre-payment discounted services packet of on-line purchase businessman, and pass through wechat, payment The calibration fund of the online payments means on-line payment services package such as treasured, Internetbank.Application system by this Transaction Information (content include but Be not limited to merchant number, customer number, service packet number, total amount, the range of enjoyable service, category, discount, quantity, Time limit and related explanation, service packet number by merchant number, customer number, this several partial content of time were spliced to form at that time) pass It is sent to bottom block platform chain, after the legitimacy of block platform chain is examined, in the block of record time zone block chain, and executes area The intelligent contract (second intelligent contract) of block chain, more new block chain state library information, while by the fund of customer payment be stored in The public supervision and management account of bank.
(7) businessman is to serve.As shown in figure 8, customer passes through application system interface, when with businessman's subscription services Between, or directly consumed to merchant stores without reservation.Businessman is according to this service content, by application system interface, It is single to generate consumption.The single content of consumption include but is not limited to merchant number, customer number, the time, service category, quantity, price, Discount.Application system inquires services package and remaining sum number ordered by customer on bottom block chain according to merchant number and customer number According to, it is single through comparison consumption, it forms bill and simultaneously submits to system, bill is transmitted to the hand-held mobile terminal of customer by system.Bill Including two sub- bills, i.e., sub- bill (son is consumed outside the sub- bill (sub- bill 1) of consumption and services package in pre-payment discounted services packet Bill 2), the content of sub- bill include but is not limited to the category for consuming total amount, time and the respective services consumed, quantity, Price, discount, amount of money subtotal.After customer confirms bill, in addition the spending amount of sub- bill 2 pays quotient by customer at the scene Family, and sub- bill 1 is formed Transaction Information (content includes but is not limited to merchant number, customer number, the total gold of consumption by application system Volume, the category of time and the respective services consumed, quantity, price, discount, amount of money subtotal), and it is flat to be transmitted to bottom block chain Platform in the block of record time zone block chain, and executes the intelligent contract of block chain after the legitimacy of block platform chain is examined (the second intelligent contract), more new block chain state library information.
(8) on-line evaluation.As shown in figure 9, in the present embodiment, show in the optional application system of customer, service is certainly Oneself businessman can click evaluation button, make evaluation to the service of businessman, evaluation can be shown in the customer evaluation of businessman after submitting The page, businessman can respond evaluation, and response message is also displayed on the corresponding evaluation of customer pages below after being submitted. Businessman also may be selected application system in show, the customer of oneself, evaluation button can be clicked, evaluation is made to the performance of customer, Evaluation can be shown in customer businessman after submitting evaluates the page, and customer can respond evaluation, after response message is submitted Also it is displayed on the corresponding evaluation of merchant page below.The evaluation of customer or merchant and response message are transmitted to bottom by application system Layer block platform chain, as a kind of Transaction Information, (content includes but is not limited in merchant number, customer number, evaluation or response Appearance, evaluation or response direction, time), after the legitimacy of block platform chain is examined, in the block of record time zone block chain, and Execute the intelligent contract (the first intelligent contract) of block chain, more new block chain state library information.
(9) clearing income.As shown in Figure 10, in the present embodiment, intelligent contract (the first intelligence corresponding to merchant service agreement Can contract), when arrival time condition, block chain executes intelligent contract (the first intelligence contract) automatically, settles accounts this period inside trade man The commission that pre-payment discounted services packet real revenue obtained and operator are somebody's turn to do is executed, after income is deducted a commission The fund account to businessman is transferred from bank's public supervision and management account, commission is then transferred from bank's public supervision and management account to operator Fund account, and more new block chain state library information.Patron recommends the reward of new customer if it exists, then rewarding money will also be from quotient It reduces out in family's settlement money, is committed to corresponding patron.
(10) platform gives customer's reimbursement.As shown in figure 11, in the present embodiment, customer has found that businessman is stopped doing business, or finds it Service quality grave breach of contract can be lodged a complaint by application system interface, and forming Transaction Information, (content includes but is not limited to businessman Promise breaking, time are stopped doing business or serviced to number, customer number, the i.e. businessman that shows cause), and it is transmitted to bottom block platform chain, pass through After the legitimacy of block platform chain is examined, in the block of record time zone block chain, and intelligent contract (the first intelligence of block chain is executed Contract), more new block chain state library information.It is preset when the customer quantity ratio of complaint reaches intelligent contract (the first intelligent contract) Value (i.e. first threshold) when, execute intelligent contract (the first intelligent contract), sent to platform operation side and verify businessman's situation and ask It asks.It after investigation confirmation is errorless under operator warp, adds their confirmation in systems to the request, it is (interior that this confirmation forms Transaction Information Hold includes but is not limited to merchant number, the instruction for granting reimbursement), and it is transmitted to bottom block platform chain, by block platform chain Legitimacy examine after, in the block that records time zone block chain, and execute the intelligent contract (first intelligent contract) of block chain, update Block chain state repository information, while the remaining sum of customer's associated package of services is settled accounts, customer is returned to from bank's public supervision and management account Fund account, services package left fund are then reset.
(11) businessman gives customer's reimbursement.As shown in figure 12, in the present embodiment, the negotiated businessman of customer agrees to, can be to businessman It applies for a refund.Customer logs in application system, respective service packet is chosen in administration interface, and click button of applying for a refund, system Reimbursement request slip is formed, the information terminal of businessman is sent to.The content of reimbursement request slip includes but is not limited to merchant number, customer Number, service packet number, services package remaining sum, reimbursement reason.After businessman confirms the reimbursement application, Transaction Information (content packet is formed Include but be not limited to merchant number, customer number, the instruction for servicing packet number, services package remaining sum, reimbursement), it is transmitted to bottom block Platform chain, after the legitimacy of block platform chain is examined, in the block of record time zone block chain, and the intelligence for executing block chain is closed About (the first intelligent contract), services package left fund is returned to by more new block chain state library information from bank's public supervision and management account Customer's fund account, services package left fund are then reset.
(12) customer's transfer service packet.As shown in figure 13, in the present embodiment, if customer because removal of home or other any reasons, Want to transfer the possession of its businessman's pre-payment discounted services packet bought, application system can be logged in, corresponding clothes are chosen in administration interface Business packet, and transfer button is clicked, it is determined after then filling in transfer price by prompt.System forms Transaction Information (content packet accordingly Include but be not limited to merchant number, customer number, the instruction for servicing packet number, services package remaining sum, transfer price, transfer), it is transmitted to Bottom block platform chain in the block of record time zone block chain, and executes block chain after the legitimacy of block platform chain is examined Intelligent contract (second intelligent contract), be to transfer the possession of services package status indication, and transferred the possession of in interface in the service of application system Show this service package information and its remaining sum and transfer price.Services package in the state of transfer cannot be consumed, if there is transaction Attempt to consume the services package by executing intelligent contract (the second intelligent contract), block chain will differentiate it for illegal transaction.If Hereafter customer determines to cancel again and transfer the possession of, then it can click cancellation in application system interface and transfer the possession of the services package, and system, which is formed, to be handed over Easy information (content includes but is not limited to merchant number, customer number, service packet number, cancels the instruction transferred the possession of) is transmitted to bottom Block platform chain in the block of record time zone block chain, and executes the intelligence of block chain after the legitimacy of block platform chain is examined Energy contract (the second intelligent contract), more new block chain state library information cancels the transfer status indication of services package.Other customers exist After seeing the services package of transfer in application system interface, purchase can be clicked, and pass through the online branch such as wechat, Alipay, Internetbank Pay the calibration transfer price of means on-line payment services package.By this Transaction Information, (content includes but is not limited to businessman to application system Number, former customer number, existing customer number, former service packet number, transfer the possession of the amount of money, former services package remaining sum, new demand servicing packet number, can Range, category, discount, quantity, time limit and the related explanation of the service of enjoyment, new demand servicing packet number is by merchant number, existing customer Number, this several partial content of time were spliced to form at that time) it is transmitted to bottom block platform chain, by the legitimacy of block platform chain After inspection, in the block of record time zone block chain, and the intelligent contract (the second intelligent contract) of block chain, more new block chain are executed State library information, new customer will possess the services package for turning purchase under one's name, and the services package remaining sum that former customer resells out under one's name then by It resets, while the fund of customer payment being transferred to the fund account of former customer, the corresponding transfer clothes shown in application system interface Business Bao Ze is removed.
(13) information is inquired.In the embodiment of the present invention, businessman can issue inquiry request, this is asked by application system interface It asks and is conveyed into bottom block platform chain, according to authentication, by its state repository of block chain search, return to query information (including but not Be limited to businessman publication service and prepaid services package informatin, businessman Customer Information, ordered service package information, wait settle accounts Take in information, acquisition customer evaluation) arrive application system, then by application system combined information after, businessman is shown in interface, Businessman can be printed out as needed.Customer can issue inquiry request by application system interface, which is conveyed into Bottom block platform chain by its state repository of block chain search, returns to query information (including but not limited to customer according to authentication Service Business Information, ordered service package information, consumption information, acquisition businessman evaluation) arrive application system, then by application be It unites after combined information, customer is shown in interface, customer can be printed out as needed.
In addition, as shown in figure 14, user of the present invention include the related businessman of member system pre-payment consumption service and Customer, and the bank of management public supervision and management account and the operator of responsible system offer and maintenance management are provided.System is patrolled It collects framework and is divided into four levels, i.e. operation layer, two technical support layers (block platform chain and business platform) and fund fluid layer (money Golden account).Technological layer, bottom block platform chain is supporting layer, is the key foundation of system；Upper-layer service platform is responsible for and is used Family interface simultaneously realizes service logic.Operation layer belongs to the activity under line, promotional activities, businessman and customer including operator Between active service-by service process.Fund fluid layer is this project institute higher management object, and customer buys the pre-payment of businessman After services package, the affairs (transaction, transaction) are recorded in real time in block chain, and while updating state repository, customer's Public supervision and management account will be promptly and accurately stored in by supplementing money with money；And when reaching clearing time point, by the intelligence of automatic trigger block chain Contract executes, and settles accounts the income of each trade company, settlement money is transferred the fund account to each trade company from public supervision and management account automatically；When When intelligent contract touches reimbursement condition, services package remaining sum is then returned to the account of the exchequer in relation to customer from public supervision and management account automatically Family ensures that the safety of all shareholder's funds.
Operator is responsible for the work of marketing, and businessman and customer is attracted to manage its pre-payment consumption industry using this system Business helps businessman to promote service and prepaid services packet provided by it.When businessman determine be added this system and with operator label After affixing one's name to paper-based contract, operator opens the hardware (PC or mobile terminal) and software (DAPP) of access system for it, right It carries out instructing its login account using training, completes merchant service information and prepaid services packet in the publication of system, is formed Operate in the intelligent contract in block chain.
Customer by sweeping two dimensional code, using a variety of accessible sides of simplicity such as wechat small routine, Website login or public platform Formula finds the businessman and its services package that he is admired into this system business interface, then login account buys prepayment on line Take services package.System of the invention will record in real time the affairs (transaction, transaction) in block chain and update state repository, Service contract between customer and businessman is established, fund then enters public supervision and management account.Thereafter, customer can pass through whenever necessary This system and businessman's subscription services time and service item, are then consumed by the designated time to shop.After the completion of consumption, businessman and Gu Objective both sides by the content and the amount of money of this consumption of terminal check, system will block chain record in real time the affairs (transaction, Transaction) and state repository is updated, using the foundation settled accounts as system at regular intervals to businessman.
In conclusion a kind of pre-payment consumption management method, system and storage medium based on block chain of the present invention, has Following characteristics:
1, businessman, customer, system operator respectively have its own fund account, and set up a public supervision and management account in appointed bank Family, that is paid when buying businessman's prepaid services packet for unified storage customer supplements money with money.System according to it is preset when Between condition, periodically triggering executes related intelligent contract in block chain, obtains in clearing this period of businessman because of active service customer Income, settlement money is converged from public supervision and management account to businessman's fund account automatically.The suspension service if businessman closes a business for some reason, can be through It is appealed by customer, after reaching certain amount ratio, audits and confirm through system operator, triggered intelligent contract and execute, automatically from public affairs It supervises in account altogether and the left fund of associated customer is retracted into its fund account.The deserved commission of system operator is set in intelligent contract Clearing form, execute intelligent contract automatically by system, converge commission to operator fund account from public supervision and management account.Intelligence It is the award method that businessman recommends new customer that customer can be also set in contract, executes intelligence contract automatically by system, from public It supervises in account and converges reward to the fund account for recommending customer.
2, system supports businessman, customer's login account, assigns unique number, and under the support of block chain technology, obtains Digital certificate, and complete authentication and authentication, it is ensured that the privacy and safety of individual information and Transaction Information.
3, service provided by it and pre-payment consumption discounted services packet are published to pre-payment consumption branch of the present invention by businessman Hold in system, the content of prepaid services packet include but is not limited to the range of total amount and enjoyable service, category, discount, Quantity, time limit etc., and intelligent contract is formed in bottom block platform chain.
4, customer browses the webpage in pre-payment consumption support system of the present invention by computer or mobile terminal, and online The prepaid services packet that purchase businessman is issued, forms transaction, is recorded in the block chain of bottom block platform chain, and hold automatically It does business the intelligent contract of correlation of family, the state repository information in each node of block platform chain is modified, then by the order of customer payment Money squeezes into the public supervision and management account that appointed bank is arranged in.
5, customer pre-payment can consume support system through the invention, and with businessman's subscription services, then arriving shop (can also be without Reservation is directly to shop) it is consumed, enjoy merchant service.Before or after service, it is secondary that businessman selectes this in the system of the present invention Category and quantity for serveeing customers etc., the agreement for the prepaid services packet that then system is bought according to customer, automatically generate and disappear Take bill, single consumption includes but is not limited to overall consumption volume and consumption details, and the networking operation for being shown to businessman and customer both sides is whole End, after both sides confirm on the respective terminal, for the consumption belonged within the scope of pre-payment discounted services packet, system forms transaction, It is recorded in the block chain of bottom block platform chain, and the intelligent contract of the correlation for executing businessman automatically, modification block platform chain are each State repository information in node, the foundation to settle accounts income to businessman as system at regular intervals.
6, after customer consumption, evaluation can be delivered to businessman by this system, evaluation information is recorded into block chain, permanent to protect It deposits, unsuppressible-suppression or distorts.
7, this system supports that advance payment services package is carried out between customer to be transferred the possession of at a discount, is formed transaction, is recorded in bottom block In the block chain of platform chain, and the intelligent contract of correlation for executing businessman automatically, modify the state repository in each node of block platform chain Services package is transferred the possession of money and is transferred accounts by the fund account of buy-side customer to the fund account of Seller customer by information.
8, this system supports businessman according to the agreement of intelligent contract, directly returns left fund to specified customer, forms transaction, note Record is in the block chain of bottom block platform chain, and the intelligent contract of correlation for executing businessman automatically, modification block platform chain respectively save State repository information in point, while customer's fund account is retracted from public supervision and management account by corresponding fund automatically.
9, this system is supported to recommend prepaid services packet with lottery to customer.Method is, in the prepaid services of businessman's publication There is " generate and recommend two dimensional code " button beside package informatin.If oneself presses this button to businessman, then a system webpage chain is generated Two dimensional code is connect, wherein including this merchant number information；If customer bought this services package and pressed this button, then one is generated System web page interlinkage two dimensional code, wherein including this merchant number and this customer number information.After the two dimensional code of generation is saved, It can be publicized by wechat circle of friends etc., or be transmitted directly to the people known well.The people for seeing this two dimensional code identifies this two dimensional code Afterwards, the webpage of present system will be shown in its terminal, and influential position is shown included in two dimensional code in webpage Businessman for information about, including but not limited to its service and advance payment service package information etc..If being had purchased after this login of customer The advance payment services package of this businessman, and recommendation customer number information has been brought in the two dimensional code before log-on webpage, then this businessman answers It is rewarded to recommendation customer.Incentive method is that system executes intelligent contract, and multiform is traded at one, records time zone block chain, should Transaction content is this businessman to one bonus of customer recommended, and the bonus is when system is settled accounts next time to businessman, from businessman It is reduced in settlement money.The ratio of bonus defines in intelligent contract, for example is equal to some percentage of prepaid services packet.
10, businessman can by this system query statistic its publication service and prepaid services package informatin, customer and consumption Situation, advance payment and clearing situation.Customer can be inquired by this system businessman and its information on services, advance payment service package information, Consumption information, customer evaluation, the purchased services package of query statistic oneself and advance payment Expenditure Levels, left fund situation.
Compared to the prior art, the invention has the following advantages that
(1), the solution of the present invention can prevent the businessman in online pre-payment consumption service and roll up money " to run away " possibility, promote It is constantly promoted into merchant service, advances from customers is avoided to suffer a loss or waste, harmonious business environment is trusted for social creativity, promoted It is flourishing into business development and regional economy.
(2), the solution of the present invention can be such that customer consumption degree of belief increases, and will be ready to increase the prepaying charge amount of money, and The discount rate of businessman does not have to original so low instead, thus the single earning rate of businessman visitor and profit margin will obviously increase, and businessman is also To apparent economical and practical.
(3), the solution of the present invention can protect the privacy of customer and businessman and legitimate rights and interests to be inviolable, and customer is avoided to exist There are the trouble and society's waste of a consumption card in each trade company respectively；
(4), the present invention supervises illegal operation and consumption convenient for country, effectively maintenance national economy, finance and society It can order；
(5), the present invention can directly or indirectly drive social employment.
It is to be illustrated to preferable implementation of the invention, but the present invention is not limited to the embodiment above, it is ripe Various equivalent deformation or replacement can also be made on the premise of without prejudice to spirit of the invention by knowing those skilled in the art, this Equivalent deformation or replacement are all included in the scope defined by the claims of the present application a bit.

Claims (10)

1. the pre-payment consumption management method based on block chain, it is characterised in that: the following steps are included:
Merchant service protocol information and customer service protocol information are stored in block chain, form the first intelligent contract；
The prepaid services package informatin of businessman's publication is stored in block chain, forms the second intelligent contract；
Based on the second intelligent contract, the prepaying charge money that customer is paid is stored in bank's public supervision and management account；
Based on the second intelligent contract, the prepaying charge money information and consumption that customer pays are recorded by block chain distribution account book Information；
Based on the first intelligent contract, according to the prepaying charge money information and consumption information recorded on block chain distribution account book, It appropriates funds and settles accounts from bank's public supervision and management account to businessman；
Pre-payment left fund is returned to customer according to the operation information of the refund of customer complaint and businessman based on the first intelligent contract.
2. the pre-payment consumption management method according to claim 1 based on block chain, it is characterised in that: further include following Step:
Merchant Account registration request is initiated according to enterprise name, business code, logon name and login password；
According to Merchant Account registration request, digital certificate is provided by block chain and generates merchant number；
Clients account registration request is initiated according to name, ID card No., logon name and login password；
According to clients account registration request, digital certificate is provided by block chain and generates customer number；
Business Information, merchant number and Customer Information, customer number are stored in block chain.
3. the pre-payment consumption management method according to claim 1 based on block chain, it is characterised in that: described by businessman The step for service agreement information and customer service protocol information are stored in block chain, form the first intelligent contract, including following step It is rapid:
Generate merchant service agreement and customer service agreement；
The first intelligent contract is generated according to the merchant service agreement and the customer service agreement；
The merchant service agreement, the customer service agreement and the first intelligent contract are stored in block chain；
Wherein, the merchant service agreement includes but is not limited to merchant number, revenue outturn condition and mode, customer's reimbursement condition With mode, operator commission ratio and the new customer's incentive method of recommendation；
The customer service agreement includes but is not limited to customer number and sincere requirement.
4. the pre-payment consumption management method according to claim 1 based on block chain, it is characterised in that: described to be based on One intelligent contract, it is public from bank according to the prepaying charge money information and consumption information recorded on block chain distribution account book It supervises account and appropriates funds the step for settling accounts to businessman, comprising the following steps:
The intelligent contract of the first of block chain is triggered by preset condition and is performed automatically；
By executing the described first intelligent contract, according to the prepaying charge money information recorded on block chain distribution account book and disappear Charge information settles accounts the current revenue of businessman；
By executing the described first intelligent contract, according to the prepaying charge money information recorded on block chain distribution account book and disappear Charge information settles accounts the current period commission of operator；
By executing the described first intelligent contract, new customer is recommended to reward according to the patron recorded on block chain distribution account book Golden information, the bonus of the patron should be paid by settling accounts businessman described in the current period；
Calculate the businessman's according to the income, the commission, the bonus by executing the described first intelligent contract Current period settlement money；
By executing the described first intelligent contract, the settlement money is appropriated, to institute from bank's public supervision and management account to the businessman State that operator appropriates the commission, Xiang Suoshu patron appropriates the bonus；
By executing the described first intelligent contract, block chain state repository is updated.
5. the pre-payment consumption management method according to claim 1 based on block chain, it is characterised in that: described to be based on One intelligent contract, the step for appealing the operation information with businessman according to the refund of customer, return pre-payment left fund to customer, packet Include following steps:
The reimbursement complaint request that customer initiates businessman is recorded by block chain distribution account book；
When the customer's ratio for initiating reimbursement complaint request for the businessman meets first threshold, the first intelligence of block chain is triggered It can contract execution；
By executing the described first intelligent contract, notice operator verifies businessman's situation that customer is appealed；
The operator appeals situation to the suffered reimbursement of the businessman and business circumstance is verified and confirmed；
After determining that reimbursement complaint request is correct, indicate that the described first intelligent contract of triggering block chain executes with reimbursement；
By executing the described first intelligent contract, the balances of advance payments of the customer of the businessman are settled accounts, from bank's public supervision and management account Family the pre-payment left fund is returned to the customer；
By executing the described first intelligent contract, block chain state repository is updated.
6. the pre-payment consumption management method according to claim 1 based on block chain, it is characterised in that: further include following Step:
The request of prepaid services packet is transferred the possession of according to customer, the state for modifying service package information described in block chain is to transfer the possession of；
Cancel the request for transferring the possession of prepaid services packet according to customer, the state for modifying service package information described in block chain is positive Often；
After other customers buy the transfer service packet, the pre- of other customers acquisition is recorded by block chain distribution account book Money information and consumption information are supplemented in payment with money；
After other customers buy the transfer service packet, the services package of having transferred the possession of out former customer in block chain distribution account book Payment supplement with money money information clearing；
After other customers buy the transfer service packet, the purchase money of other customers is turned to pay the customer sold.
7. the pre-payment consumption management method according to claim 1 based on block chain, it is characterised in that: further include following Step:
The consumption evaluation information of customer is stored to block chain；
According to merchant number, the network address of customer number and the Business Information webpage, generates and recommend two dimensional code；
New customer identifies the two dimensional code, into the Intelligence Page of the businessman, and the pre-payment clothes of businessman described in first purchase Business packet；
According to the new customer by identifying businessman's prepaid services packet described in the two dimensional code first purchase, it is distributed in block chain Formula account book records the prepaying charge money information and consumption information that the new customer pays；
According to the new customer by identifying businessman's prepaid services packet described in the two dimensional code first purchase, the customer is calculated The bonus from the businessman that corresponding customer obtains is numbered, and records the bonus letter in block chain distribution account book Breath.
8. the pre-payment consumption management system based on block chain, it is characterised in that: include:
Interface module, for obtaining and showing but being not limited to Customer Information, Business Information, Transaction Information, status information, statistics letter Breath, evaluation information；
Block chain distribution account book, for recording but being not limited to Business Information, Customer Information, prepaying charge money information, consumption Information, bonus information, reimbursement complaint information and evaluation information；
Block chain intelligence contract, for executing but being not limited to carry out the update of state repository data after triggering, account accounting, appropriate clearing Money returns balances of advance payments；
The center block chain CA, for completing but being not limited to Account Registration, provide digital certificate, encryption and decryption, authentication；
Payment module, for the execution according to the intelligent contract, in customer's fund account, businessman's fund account, operator money Payment by the transfer of accounts is carried out between golden account, bank's public supervision and management account.
9. the pre-payment consumption management system based on block chain, it is characterised in that: include:
At least one processor；And at least one processor, for storing at least one program；
When at least one described program is executed by least one described processor, so that at least one described processor is realized as weighed Benefit requires the pre-payment consumption management method described in any one of 1-7 based on block chain.
10. a kind of storage medium, wherein being stored with the executable instruction of processor, it is characterised in that: the processor is executable Instruction disappear when executed by the processor for executing the pre-payment of any of claims 1-7 based on block chain such as Take management method.
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CN110717753A (en) * 2019-09-26 2020-01-21 海南新软软件有限公司 Return-back method and system for mistaken recharging of offline assets
CN110838046A (en) * 2019-11-07 2020-02-25 成都高新信息技术研究院 Intelligent goods card system based on block chain
CN110930140A (en) * 2019-12-09 2020-03-27 张伟 Stored value consumption method and system
CN111177273A (en) * 2019-12-31 2020-05-19 杭州趣链科技有限公司 Training academic expense trusteeship system based on block chain
CN111415156A (en) * 2020-03-26 2020-07-14 北京马上游科技有限责任公司 Shopping card implementation method based on block chain
CN111415159A (en) * 2020-04-27 2020-07-14 中国银行股份有限公司 Settlement data processing method and system based on block chain and related nodes
CN111724153A (en) * 2020-06-08 2020-09-29 交通银行股份有限公司 Prepaid consumption supervision system and method based on block chain and storage medium
CN111932699A (en) * 2020-08-12 2020-11-13 中国银行股份有限公司 ETC charging method, system, device and storage medium based on block chain
CN111985920A (en) * 2020-08-20 2020-11-24 深圳市网绘科技有限公司 Distributed accounting method based on Internet
CN112036983A (en) * 2020-09-03 2020-12-04 山西哆贝网络科技有限公司 Block chain-based distributed e-commerce platform and method
CN112215611A (en) * 2020-11-20 2021-01-12 中国联合网络通信集团有限公司 Preference method based on block chain, seller node, terminal device and storage medium
CN112785292A (en) * 2021-01-29 2021-05-11 湖南大学 Prepaid card management method, prepaid card management system, prepaid card management device and prepaid card management storage medium
CN113205332A (en) * 2021-04-24 2021-08-03 上海赛可出行科技服务有限公司 Compliant online taxi appointment enterprise recharging supervision model method
CN113222567A (en) * 2021-05-20 2021-08-06 中钞信用卡产业发展有限公司杭州区块链技术研究院 Prepaid card management method and device based on block chain technology and block chain link points
CN113627904A (en) * 2021-07-02 2021-11-09 暨南大学 Block chain and probability payment-based streaming media platform implementation method
CN113793140A (en) * 2021-08-30 2021-12-14 北京极智数仓科技有限公司 Pre-consumption method, system, storage medium and supervision platform based on digital currency
CN113837736A (en) * 2021-09-13 2021-12-24 中国银联股份有限公司 Processing method and device for prepayment consumption resources and electronic equipment
CN114040143A (en) * 2021-11-15 2022-02-11 百视通网络电视技术发展有限责任公司 Method, system and equipment for IPTV service management
CN114707983A (en) * 2022-06-02 2022-07-05 武汉智可信科技有限公司 Consumption credible prepayment method and device based on block chain
CN115271741A (en) * 2022-08-03 2022-11-01 国网江苏省电力有限公司南通供电分公司 Intelligent payment system and method for electric power capital construction cost based on block chain technology
CN115456619A (en) * 2022-09-27 2022-12-09 山东鲁商通科技有限公司 Virtual prepaid card issuing system and method based on block chain technology
WO2022262527A1 (en) * 2021-06-16 2022-12-22 中国人民银行数字货币研究所 Digital currency-based payment method, platform, terminal, and payment system
CN116012155A (en) * 2022-12-28 2023-04-25 杭州蚂蚁酷爱科技有限公司 Method and device for processing digital resources in blockchain
CN116911844A (en) * 2023-09-13 2023-10-20 深圳市深圳通有限公司 Public transport hardware wallet payment method, device, equipment and storage medium
CN116976883A (en) * 2023-07-31 2023-10-31 北京神州数码方圆科技有限公司 Prepaid card fund supervision method and system based on blockchain

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Publication number Priority date Publication date Assignee Title
CN110490571A (en) * 2019-08-23 2019-11-22 腾讯科技（深圳）有限公司 A kind of monthly payment plan method, apparatus, equipment and medium
CN110490571B (en) * 2019-08-23 2023-12-08 腾讯科技（深圳）有限公司 Installment payment method, device, equipment and medium
CN110717753A (en) * 2019-09-26 2020-01-21 海南新软软件有限公司 Return-back method and system for mistaken recharging of offline assets
CN110717753B (en) * 2019-09-26 2023-03-31 海南新软软件有限公司 Return-back method and system for mistaken recharging of offline assets
CN110838046A (en) * 2019-11-07 2020-02-25 成都高新信息技术研究院 Intelligent goods card system based on block chain
CN110930140A (en) * 2019-12-09 2020-03-27 张伟 Stored value consumption method and system
CN111177273A (en) * 2019-12-31 2020-05-19 杭州趣链科技有限公司 Training academic expense trusteeship system based on block chain
CN111177273B (en) * 2019-12-31 2023-09-08 杭州趣链科技有限公司 Training fee hosting system based on blockchain
CN111415156A (en) * 2020-03-26 2020-07-14 北京马上游科技有限责任公司 Shopping card implementation method based on block chain
CN111415159A (en) * 2020-04-27 2020-07-14 中国银行股份有限公司 Settlement data processing method and system based on block chain and related nodes
CN111415159B (en) * 2020-04-27 2023-09-22 中国银行股份有限公司 Block chain-based settlement data processing method, system and relevant nodes
CN111724153A (en) * 2020-06-08 2020-09-29 交通银行股份有限公司 Prepaid consumption supervision system and method based on block chain and storage medium
CN111932699A (en) * 2020-08-12 2020-11-13 中国银行股份有限公司 ETC charging method, system, device and storage medium based on block chain
CN111985920A (en) * 2020-08-20 2020-11-24 深圳市网绘科技有限公司 Distributed accounting method based on Internet
CN111985920B (en) * 2020-08-20 2023-08-29 深圳市网绘科技有限公司 Internet-based distributed billing method
CN112036983A (en) * 2020-09-03 2020-12-04 山西哆贝网络科技有限公司 Block chain-based distributed e-commerce platform and method
CN112215611A (en) * 2020-11-20 2021-01-12 中国联合网络通信集团有限公司 Preference method based on block chain, seller node, terminal device and storage medium
CN112215611B (en) * 2020-11-20 2023-06-09 中国联合网络通信集团有限公司 Block chain-based offer method, seller node equipment, terminal equipment and storage medium
CN112785292B (en) * 2021-01-29 2024-02-27 湖南大学 Prepaid card management method and system based on blockchain, equipment and storage medium
CN112785292A (en) * 2021-01-29 2021-05-11 湖南大学 Prepaid card management method, prepaid card management system, prepaid card management device and prepaid card management storage medium
CN113205332A (en) * 2021-04-24 2021-08-03 上海赛可出行科技服务有限公司 Compliant online taxi appointment enterprise recharging supervision model method
CN113222567A (en) * 2021-05-20 2021-08-06 中钞信用卡产业发展有限公司杭州区块链技术研究院 Prepaid card management method and device based on block chain technology and block chain link points
WO2022262527A1 (en) * 2021-06-16 2022-12-22 中国人民银行数字货币研究所 Digital currency-based payment method, platform, terminal, and payment system
CN113627904A (en) * 2021-07-02 2021-11-09 暨南大学 Block chain and probability payment-based streaming media platform implementation method
CN113793140A (en) * 2021-08-30 2021-12-14 北京极智数仓科技有限公司 Pre-consumption method, system, storage medium and supervision platform based on digital currency
CN113837736A (en) * 2021-09-13 2021-12-24 中国银联股份有限公司 Processing method and device for prepayment consumption resources and electronic equipment
CN114040143A (en) * 2021-11-15 2022-02-11 百视通网络电视技术发展有限责任公司 Method, system and equipment for IPTV service management
CN114040143B (en) * 2021-11-15 2024-04-05 百视通网络电视技术发展有限责任公司 Method, system and equipment for IPTV service management
CN114707983A (en) * 2022-06-02 2022-07-05 武汉智可信科技有限公司 Consumption credible prepayment method and device based on block chain
CN115271741A (en) * 2022-08-03 2022-11-01 国网江苏省电力有限公司南通供电分公司 Intelligent payment system and method for electric power capital construction cost based on block chain technology
CN115456619A (en) * 2022-09-27 2022-12-09 山东鲁商通科技有限公司 Virtual prepaid card issuing system and method based on block chain technology
CN115456619B (en) * 2022-09-27 2024-02-20 山东鲁商通科技有限公司 Virtual prepaid card issuing system and method based on blockchain technology
CN116012155A (en) * 2022-12-28 2023-04-25 杭州蚂蚁酷爱科技有限公司 Method and device for processing digital resources in blockchain
CN116012155B (en) * 2022-12-28 2023-11-14 杭州蚂蚁酷爱科技有限公司 Method and device for processing digital resources in blockchain
CN116976883A (en) * 2023-07-31 2023-10-31 北京神州数码方圆科技有限公司 Prepaid card fund supervision method and system based on blockchain
CN116911844A (en) * 2023-09-13 2023-10-20 深圳市深圳通有限公司 Public transport hardware wallet payment method, device, equipment and storage medium

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