CN110175831A - A kind of credit transfer method, apparatus and electronic equipment based on block chain - Google Patents
A kind of credit transfer method, apparatus and electronic equipment based on block chain Download PDFInfo
- Publication number
- CN110175831A CN110175831A CN201910329115.8A CN201910329115A CN110175831A CN 110175831 A CN110175831 A CN 110175831A CN 201910329115 A CN201910329115 A CN 201910329115A CN 110175831 A CN110175831 A CN 110175831A
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- Prior art keywords
- user
- credit
- fund
- block chain
- transfer
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Classifications
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
This application discloses a kind of credit transfer method, apparatus and electronic equipment based on block chain, comprising: based on the credit transfer event between user and fund control side, obtains the credit transfer record between the user and the fund control side；Electronics contract is signed for the credit transfer between the user and the fund control side, the electronics contract includes at least the user and the fund control side about the rights and duties in the credit transfer；Credit transfer record between the user and the fund control side is uploaded in block chain；Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
Description
Technical field
This application involves field of computer technology more particularly to a kind of credit transfer method, apparatus based on block chain and
Electronic equipment.
Background technique
It is also gradually changing with social progress, the means of payment of people with the development of economy, more and more
User starts to be changed into e-payment from paying in cash, wherein e-payment includes account balance payment and credit payment again.
Currently, user uses the credit that the premise of credit payment is often that it applies having bank or other financial institutions under one's name
Card, and the credit card of most of banks or other financial institutions generally requires user and has certain credit when user applies
Accumulation, that is, need certain credit threshold that could successfully apply for and use credit card.
However, for the user for the accumulation that much has no credit or the lower user of credit grade, existing credit
The application of card and the threshold used are higher.
Summary of the invention
The embodiment of the present application provides a kind of credit transfer method, apparatus and electronic equipment based on block chain, to solve
The application of existing credit card and the higher problem of the threshold used.
In order to solve the above technical problems, the embodiment of the present application is achieved in that
In a first aspect, proposing a kind of credit transfer method based on block chain, comprising:
Based on the credit transfer event between user and fund control side, obtain the user and the fund control side it
Between credit transfer record；Electronics contract has been signed for the credit transfer between the user and the fund control side,
The electronics contract includes at least the user and the fund control side about the rights and duties in the credit transfer；
Credit transfer record between the user and the fund control side is uploaded in block chain；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
Second aspect proposes a kind of funds transfer method of credit card based on block chain, comprising:
Based on the fund failover events for being directed to credit card between user and credit card issuers, the user and described is obtained
Record is shifted for the fund of the credit card between credit card issuers；Needle between the user and the credit card issuers
Electronics contract is signed to the fund transition rule of the credit card, the electronics contract includes at least the user and the letter
With card issuing about the rights and duties in the fund transfer of the credit card；
The fund transfer record that the credit card is directed between the user and the credit card issuers is uploaded into area
In block chain；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
The third aspect proposes a kind of credit transfer device based on block chain, comprising:
Acquiring unit obtains the user and the money based on the credit transfer event between user and fund control side
Credit transfer record between golden control side；It is signed between the user and the fund control side for the credit transfer
Electronics contract, the electronics contract include at least the user and the fund control side about the right in the credit transfer
And obligation；
Uploading unit uploads to the credit transfer record between the user and the fund control side in block chain；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
Fourth aspect proposes a kind of fund transfer device of credit card based on block chain, comprising:
Acquiring unit, based on the fund failover events for being directed to credit card between user and credit card issuers, described in acquisition
Record is shifted for the fund of the credit card between user and the credit card issuers；The user and credit card hair
Fund transition rule between row side for the credit card has signed electronics contract, and the electronics contract includes at least the use
Family and the credit card issuers are about the rights and duties in the fund transfer of the credit card；
The fund that the credit card is directed between the user and the credit card issuers is shifted record by uploading unit
It uploads in block chain；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
5th aspect, proposes a kind of electronic equipment, which includes:
Processor；And
It is arranged to the memory of storage computer executable instructions, the executable instruction makes the place when executed
It manages device and executes following operation:
Based on the credit transfer event between user and fund control side, obtain the user and the fund control side it
Between credit transfer record；Electronics contract has been signed for the credit transfer between the user and the fund control side,
The electronics contract includes at least the user and the fund control side about the rights and duties in the credit transfer；
Credit transfer record between the user and the fund control side is uploaded in block chain；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
6th aspect, proposes a kind of computer readable storage medium, the computer-readable recording medium storage one
Or multiple programs, one or more of programs are when the electronic equipment for being included multiple application programs executes, so that the electricity
Sub- equipment executes following operation:
Based on the credit transfer event between user and fund control side, obtain the user and the fund control side it
Between credit transfer record；Electronics contract has been signed for the credit transfer between the user and the fund control side,
The electronics contract includes at least the user and the fund control side about the rights and duties in the credit transfer；
Credit transfer record between the user and the fund control side is uploaded in block chain；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
7th aspect, proposes a kind of electronic equipment, which includes:
Processor；And
It is arranged to the memory of storage computer executable instructions, the executable instruction makes the place when executed
It manages device and executes following operation:
Based on the fund failover events for being directed to credit card between user and credit card issuers, the user and described is obtained
Record is shifted for the fund of the credit card between credit card issuers；Needle between the user and the credit card issuers
Electronics contract is signed to the fund transition rule of the credit card, the electronics contract includes at least the user and the letter
With card issuing about the rights and duties in the fund transfer of the credit card；
The fund transfer record that the credit card is directed between the user and the credit card issuers is uploaded into area
In block chain；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
Eighth aspect proposes a kind of computer readable storage medium, the computer-readable recording medium storage one
Or multiple programs, one or more of programs are when the electronic equipment for being included multiple application programs executes, so that the electricity
Sub- equipment executes following operation:
Based on the fund failover events for being directed to credit card between user and credit card issuers, the user and described is obtained
Record is shifted for the fund of the credit card between credit card issuers；Needle between the user and the credit card issuers
Electronics contract is signed to the fund transition rule of the credit card, the electronics contract includes at least the user and the letter
With card issuing about the rights and duties in the fund transfer of the credit card；
The fund transfer record that the credit card is directed between the user and the credit card issuers is uploaded into area
In block chain；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
The embodiment of the present application at least can achieve following technical effects by adopting the above technical scheme:
When fund control direction user makes loans or user refunds to fund control side, user and fund pipe can be based on
Credit transfer event between prosecutor obtains the credit transfer record between user and fund control side, and user and fund pipe
Electronics contract has been signed for credit transfer between prosecutor, user and fund control side are included at least in the electronics contract about letter
It is uploaded in block chain with the rights and duties in transfer, then by the credit transfer record between user and fund control side.?
That is the attribute that can not be distorted by the data stored in block chain, to ensure to be stored in the credible of the data in block chain,
So as to reduce the threshold that credit transfer is opened and carried out between user and fund control side, use can be additionally substantially reduced
The proof difficulty and proof cost when fund dispute occur between family and fund control side.
When credit card issue direction user makes loans or user refunds to credit card issuers, user and letter can be based on
With the fund failover events for being directed to credit card between card issuing, obtain between user and credit card issuers for credit card
Fund transfer record, and the fund transition rule between user and credit card issuers for the credit card has signed electronics conjunction
About, which includes at least the rights and duties that user and credit card issuers are shifted about the fund of credit card, then will
Fund transfer record between user's volume credit card issuers for credit card uploads in block chain.That is, passing through area
The attribute that the data stored in block chain can not distort, to ensure to be stored in the credible of the data in block chain, so as to reduce
The threshold that credit payment and carry out fund transfer are opened between user and credit card issuers, can additionally substantially reduce user
The proof difficulty and proof cost when fund dispute occur between credit card issuers.
Detailed description of the invention
The drawings described herein are used to provide a further understanding of the present application, constitutes part of this application, this Shen
Illustrative embodiments and their description please are not constituted an undue limitation on the present application for explaining the application.In the accompanying drawings:
Fig. 1 is that the credit transfer method based on block chain that this specification one embodiment provides is applied in actual scene
Schematic diagram；
Fig. 2 is that a kind of implementation process for credit transfer method based on block chain that this specification one embodiment provides is shown
It is intended to；
Fig. 3 is a kind of reality of the funds transfer method for credit card based on block chain that this specification one embodiment provides
Existing flow diagram
Fig. 4 is a kind of structural representation for credit transfer device based on block chain that this specification one embodiment provides
Figure；
Fig. 5 is a kind of knot of the fund transfer device for credit card based on block chain that this specification one embodiment provides
Structure schematic diagram；
Fig. 6 is the structural schematic diagram for a kind of electronic equipment that this specification one embodiment provides；
Fig. 7 is the structural schematic diagram for the another electronic equipment that this specification one embodiment provides.
Specific embodiment
To keep the purposes, technical schemes and advantages of the application clearer, below in conjunction with the application specific embodiment and
Technical scheme is clearly and completely described in corresponding attached drawing.Obviously, described embodiment is only the application one
Section Example, instead of all the embodiments.Based on the embodiment in the application, those of ordinary skill in the art are not doing
Every other embodiment obtained under the premise of creative work out, shall fall in the protection scope of this application.
Below in conjunction with attached drawing, the technical scheme provided by various embodiments of the present application will be described in detail.
To solve the problems, such as that existing credit card application and the threshold used are higher, this specification embodiment provides a kind of base
In the credit transfer method of block chain.Fig. 1 is the credit transfer method based on block chain that this specification one embodiment provides
Apply the schematic diagram in actual scene.As shown in Figure 1, fund control side can incite somebody to action in the scheme of this specification embodiment
Credit transfer record between user and fund control side uploads in block chain, to determine between user and fund control side
Credit transfer record, for example, fund control policy to user make loans record and user to the refund of fund control side record not by
It distorts.
So, it when fund transfer dispute occurring between fund control side and user, can accurately be based on depositing in block chain
The data of storage determine related fund transfer record when fund shifts dispute, and then determine the responsible party of fund transfer dispute,
So that judiciary or other mechanisms carry out processing of investigating accordingly to dispute responsible party.It fund control side can also be by user
Application is opened to be signed between real-name authentication information and user and fund control side when carrying out credit transfer with fund control side
Electronics contract upload in block chain, with when fund transfer dispute occurs for user and fund control side, for related judicial apparatus
Structure provides strong evidence, to avoid user or fund control side that the behaviors such as denial occur.
Below with reference to Fig. 2, the scheme of the embodiment of the present application is further described.
Fig. 2 is the implementation process schematic diagram of credit transfer method of this specification one embodiment based on block chain.Ying Li
Solution, the method for this specification embodiment, the intermediary etc. that can be managed by fund control side or fund execute.It should be understood that
The fund control side and the intermediary of fund control can be a node in block chain, be also possible to block chain point
The account matched, so as to upload data to block chain by the preset interface of block chain.
It should be understood that this specification embodiment fund control side, credit transfer can be provided for user opens function, to
Family identity carries out the function of real-name authentication, and to the function that user makes loans, the function, etc. of bill is sent to user.Specifically
Ground, the credit transfer method shown in Fig. 2 based on block chain include:
S210 is obtained between user and fund control side based on the credit transfer event between user and fund control side
Credit transfer record；Electronics contract is signed for credit transfer between the user and fund control side, electronics contract is at least
Including user and fund control side about the rights and duties in credit transfer.
Optionally, above-mentioned credit transfer event, including following at least one:
Fund manages policy to the event of loaning on credit of user；
User is directed to the mode credit payment event of fund control side；
Then credit transfer records, including following at least one:
Fund manages policy to the record of loaning on credit of user；
User records for the mode credit payment of fund control side.
It should be understood that the credit transfer event between user and fund control side may include fund control policy to user's
Event of loaning on credit and user are directed to the mode credit payment event of fund control side.It is credit card issuers with fund control side
For, user to credit card issuers application and can obtain credit card, which can arrange to believe in application with user
With amount of making loans, it is also possible to fund control side and determines based on the actual income level of user and the level of consumption credit of user
It makes loans amount.
It should be understood that user in using credit card process, can both take amount of loaning on credit by credit card allows model
Interior cash is enclosed, the amount of money loaned on credit in amount allowed band can also be paid in businessman by credit card, i.e. fund is managed
Side can loan on credit for the use demand of user.Corresponding, user expires in the bill of monthly credit card
Later, mode credit payment should be carried out according to about orientation fund control side, i.e. user can be for the bill number that fund control side provides
Volume carries out mode credit payment.
Optionally, fund control can call electronics contract template generation based on the request of the split logical credit transfer of user
Electronics contract.Wherein, the electronics contract can income level, the level of consumption based on user etc. influence user's payment level because
Element, Lai Shengcheng electronics contract.
Optionally, based on the credit transfer event between user and fund control side, user and fund control side are obtained
Between credit transfer record before, the method also includes:
Event is opened based on the credit transfer between user and fund control side, is obtained between user and fund control side
Credit transfer opens record；
Credit transfer between user and fund control side is opened record to upload in block chain.
Optionally, it includes following at least one that the credit transfer between user and fund control side, which opens record:
Fund control side records the real-name authentication of user；
The electronics contract signed between user and fund control side for credit transfer.
It should be understood that fund control side may include fund control side user collected to the real-name authentication record of user
Certificate image information, the certificate text information of user, the living body authentication video of user and the certificate information of user and user's
The authentication result of living body authentication video.
Optionally, user includes at least following one kind about the rights and duties in credit transfer with fund control side:
Fund manages policy to the amount of loaning on credit of user；
User is directed to the mode credit payment time limit of fund control side；
User is directed to the minimum mode credit payment amount of fund control side；
Fund manages the policy processing authority that do not refund overdue to user.
It should be understood that the electronics contract of this specification embodiment, for storing user and fund control side about credit transfer
Relevant provision regulation.In general, when user opens credit transfer to the application of fund control side, for example when credit payment, need
Arrange the rights and duties of user Yu fund control side both sides.That is, the electronics contract includes at least user and fund
Control side is about the rights and duties in credit transfer.
For example, fund control side needs to make loans to user, this belongs to the obligation of fund control side；Fund control side is in user
Mode credit payment time limit when expiring, receive the mode credit payment of user, this belongs to the right of fund control side.Certainly, fund is managed
The rights and duties of side are without being limited thereto.Correspondingly, user, which has to fund control side, requests the right made loans, for example,
User, which has to fund control side, requests the right for taking cash and user to have the credit payment function using fund control side
Can to the right of businessman's payment, meanwhile, when monthly the mode credit payment time limit expires, also oriented fund control side refunds user
Obligation.
It should be understood, of course, that can also include the liability for breach of contract of user and/or fund control side in electronics contract.For example, such as
Fruit fund control side is not given to the amount of loaning on credit of user's agreement, then fund control side breaks a contract, and can arrange fund control side
Exempt part service charge to user；And if user does not refund according to the mode credit payment time limit of agreement to fund control side, i.e.,
Overdue not refund, then user breaks a contract, and can arrange fund control direction user and impose a certain proportion of penalty, etc..
It should be understood that in order to verify credit transfer open record whether be tampered, block chain can be based on credit transfer
It opens record to handle to obtain the first cryptographic Hash, and first cryptographic Hash is returned into fund control side, so as to user and fund pipe
When occurring credit transfer dispute between prosecutor, it was demonstrated that the authenticity for opening record for the credit transfer that fund control side provides.That
, the credit transfer between user and fund control side is opened after record uploads in block chain, the method also includes:
The first cryptographic Hash of block chain return is obtained and records, the first cryptographic Hash is block chain based on the open-minded of credit transfer
What record was handled, and the first cryptographic Hash is the storage mark for opening record that block chain stores credit transfer, so as to block
What the notarization node of chain can inquire credit transfer corresponding with the second cryptographic Hash opens record.
S220 uploads to the credit transfer record between user and fund control side in block chain；Wherein, block chain is used
It is credible in the data that confirmation is stored in block chain.
Optionally, when occurring credit transfer dispute between user and fund control side, for example there is the behavior of breaking the promise in user,
In order to guarantee the validity and authenticity of the record of the credit transfer between the user that fund control side provides and fund control side, this
Block chain in specification embodiment can handle to obtain the second cryptographic Hash based on credit transfer record.
Second cryptographic Hash be used for verify between user and fund control side credit transfer record validity and really
Property, specifically, the credit transfer record or fund of the storage on block chain when there is credit transfer dispute, can be obtained
The credit transfer record that control side provides, then the credit transfer is recorded into progress Hash and handles to obtain a Hash to be verified
Value, then the cryptographic Hash to be verified is compared with the second cryptographic Hash, if cryptographic Hash to be verified is identical as the second cryptographic Hash,
Then show credit transfer record be the initial data being not tampered with, and if cryptographic Hash to be verified and the second cryptographic Hash not
Together, then show that credit transfer record has been tampered.
So, after uploading to the credit transfer record between user and fund control side in block chain, the side
Method further include:
The second cryptographic Hash of block chain return is obtained and records, the second cryptographic Hash is that block chain is based at credit transfer record
What reason obtained, and the second cryptographic Hash is the storage mark that block chain stores credit transfer record, so as to the notarization node of block chain
Credit transfer record corresponding with the first cryptographic Hash can be inquired.
Optionally, the fund control side in this specification embodiment is also used as the node of block chain to receive other moneys
Credit transfer between golden control side and user records, and will be on the credit transfer record between other fund control sides and user
It reaches in block chain.
Specifically, the method also includes:
Receive the credit transfer record between other fund control sides and user；
Credit transfer record between other fund control sides and user is uploaded in block chain.
It should be understood that be uploaded in block chain by the credit transfer record between other fund control sides and user, in order to
When credit transfer dispute occurs in later period, the real effectiveness of verifying credit transfer record can also obtain and return to other funds
Control side's third cryptographic Hash, the third cryptographic Hash are block chain based on the credit transfer note between other fund control sides and user
What record was handled.
When fund control direction user makes loans or user refunds to fund control side, user and fund pipe can be based on
Credit transfer event between prosecutor obtains the credit transfer record between user and fund control side, and user and fund pipe
Electronics contract has been signed for credit transfer between prosecutor, user and fund control side are included at least in the electronics contract about letter
It is uploaded in block chain with the rights and duties in transfer, then by the credit transfer record between user and fund control side.?
That is the attribute that can not be distorted by the data stored in block chain, to ensure to be stored in the credible of the data in block chain,
So as to reduce the threshold that credit transfer is opened and carried out between user and fund control side, use can be additionally substantially reduced
The proof difficulty and proof cost when fund dispute occur between family and fund control side.
Fig. 3 is a kind of reality of the funds transfer method for credit card based on block chain that this specification one embodiment provides
Existing flow diagram, comprising:
S310 obtains user and letter based on the fund failover events for being directed to credit card between user and credit card issuers
Record is shifted with the fund for being directed to credit card between card issuing；The fund of credit card is directed between user and credit card issuers
Transition rule has signed electronics contract, and electronics contract includes at least user and credit card issuers and shifts about the fund of credit card
Rights and duties.
Optionally, the fund failover events of above-mentioned credit card, including following at least one:
Credit card issuers are directed to the event of loaning on credit of user；
User is directed to the mode credit payment event of credit card issuers；
Then the fund of credit card shifts record, including following at least one:
Credit card issuers are directed to the record of loaning on credit of user；
User records for the mode credit payment of credit card issuers.
Optionally, the method also includes:
Open event based on the credit transfer between user and credit card issuers, obtain user and credit card issuers it
Between credit card open record；
The record of opening of credit card between user and credit card issuers is uploaded in block chain.
Optionally, the record of opening of the credit card between user and credit card issuers includes following at least one:
Credit card issuers record the real-name authentication of user；
The electronics contract that fund transfer between user and credit card issuers for credit card is signed.
Optionally, user and credit card issuers include at least down about the rights and duties in the fund transfer of credit card
State one kind:
Credit card issuers are directed to the amount of loaning on credit of user；
User is directed to the mode credit payment time limit of credit card issuers；
Minimum mode credit payment amount of the user for money credit card issuers；
Credit card issuers are directed to the overdue processing authority that do not refund of user.
Optionally, the method also includes:
The first cryptographic Hash of block chain return is obtained and records, the first cryptographic Hash opens note based on credit card for block chain
What record was handled, and the first cryptographic Hash is the storage mark for opening record that block chain stores credit card, so as to block chain
What notarization node can inquire credit card corresponding with the first cryptographic Hash opens record.
S320 uploads to the fund transfer record that credit card is directed between user and credit card issuers in block chain；
Wherein, block chain is for confirming that the data being stored in block chain are credible.
Optionally, the method also includes:
The second cryptographic Hash of block chain return is obtained and records, the second cryptographic Hash is that block chain is turned based on the fund of credit card
Move what record was handled, and the second cryptographic Hash is the storage mark for the fund transfer record that block chain stores credit card, so as to
The notarization node of block chain can inquire the fund transfer record of credit card corresponding with the second cryptographic Hash.
Optionally, the method also includes:
Receive the credit transfer record between other credit card issuers and user；
Credit transfer record between other credit card issuers and user is uploaded in block chain.
When credit card issue direction user makes loans or user refunds to credit card issuers, user and letter can be based on
With the fund failover events for being directed to credit card between card issuing, obtain between user and credit card issuers for credit card
Fund transfer record, and the fund transition rule between user and credit card issuers for the credit card has signed electronics conjunction
About, which includes at least the rights and duties that user and credit card issuers are shifted about the fund of credit card, then will
Fund transfer record between user's volume credit card issuers for credit card uploads in block chain.That is, passing through area
The attribute that the data stored in block chain can not distort, to ensure to be stored in the credible of the data in block chain, so as to reduce
The threshold that credit payment and carry out fund transfer are opened between user and credit card issuers, can additionally substantially reduce user
The proof difficulty and proof cost when fund dispute occur between credit card issuers.
Fig. 4 is the structural schematic diagram for the credit transfer device 400 based on block chain that this specification embodiment provides.It please join
Fig. 4 is examined, in a kind of Software Implementation, the credit transfer device 400 based on block chain may include acquiring unit 401 and upload
Unit 402, in which:
Acquiring unit 401 obtains the user and described based on the credit transfer event between user and fund control side
Credit transfer record between fund control side；It is signed between the user and the fund control side for the credit transfer
Electronics contract, the electronics contract include at least the user and the fund control side about the power in the credit transfer
Benefit and obligation；
Credit transfer record between the user and the fund control side is uploaded to block chain by uploading unit 402
In；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
Optionally, in one embodiment, the user and the fund control side are obtained in the acquiring unit 401
Between credit transfer record before, described device further include:
First acquisition unit 403 is opened event based on the credit transfer between the user and the fund control side, is obtained
The credit transfer between the user and the fund control side is taken to open record；
Credit transfer between the user and the fund control side is opened record and uploaded by the first uploading unit 404
Into block chain.
Optionally, in one embodiment, the credit transfer between the user and the fund control side opens note
Record includes following at least one:
The fund control side records the real-name authentication of the user；
The electronics contract signed between the user and the fund control side for the credit transfer.
Optionally, in one embodiment, the uploading unit 402 by the user and the fund control side it
Between credit transfer open after record uploads in block chain, described device further include:
Second acquisition unit 405, obtains and records the first cryptographic Hash that the block chain returns, and first cryptographic Hash is
The block chain opens what record was handled based on the credit transfer, and first cryptographic Hash is that the block chain is deposited
The storage mark for opening record of the credit transfer is stored up, so that the notarization node of the block chain can inquire and described the
The corresponding credit transfer of one cryptographic Hash opens record.
Optionally, in one embodiment, the uploading unit 402 by the user and the fund control side it
Between credit transfer record upload in block chain after, described device further include:
Third acquiring unit 406, obtains and records the second cryptographic Hash that the block chain returns, and second cryptographic Hash is
The block chain is handled based on the credit transfer record, and second cryptographic Hash is described in block chain storage
Credit transfer record storage mark, so as to the notarization node of the block chain can inquire it is opposite with second cryptographic Hash
The credit transfer record answered.
Optionally, in one embodiment, the credit transfer event, including following at least one:
Loan on credit event of the fund control policy to the user；
The user is directed to the mode credit payment event of the fund control side；
Optionally, in one embodiment, the credit transfer record, including following at least one:
Loan on credit record of the fund control policy to the user；
The user records for the mode credit payment of the fund control side.
Optionally, in one embodiment, the user and the fund control side are about in the credit transfer
Rights and duties include at least following one kind:
Loan on credit amount of the fund control policy to the user；
The user is directed to the mode credit payment time limit of the fund control side；
The user is directed to the minimum mode credit payment amount of the fund control side；
The fund manages the policy processing authority that do not refund overdue to the user.
Optionally, in one embodiment, the uploading unit 402 by the user and the fund control side it
Between credit transfer record upload in block chain after, described device further include:
Receiving unit 407 receives the credit transfer record between other fund sides of control and the user；
Credit transfer between other described fund sides of control and the user is recorded and is uploaded by the second uploading unit 408
To in the block chain.
The method that credit transfer device 400 based on block chain can be realized the embodiment of the method for FIG. 1 to FIG. 2, specifically may be used
With reference to the credit transfer method based on block chain of FIG. 1 to FIG. 2 illustrated embodiment, repeat no more.
Fig. 5 is the structural schematic diagram of the fund transfer device 500 for the credit card based on block chain that this specification provides.Please
With reference to Fig. 5, in a kind of Software Implementation, the fund transfer device 500 of the credit card based on block chain may include obtaining list
Member 501 and uploading unit 502, in which:
Acquiring unit 501 obtains institute based on the fund failover events for being directed to credit card between user and credit card issuers
State the fund transfer record between user and the credit card issuers for the credit card；The user and the credit card
Fund transition rule between publisher for the credit card has signed electronics contract, and the electronics contract includes at least described
User and the credit card issuers are about the rights and duties in the fund transfer of the credit card；
Uploading unit 502 shifts the fund that the credit card is directed between the user and the credit card issuers
Record uploads in block chain；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
Optionally, in one embodiment, the user and the credit card issue are obtained in the acquiring unit 501
Before fund transfer between side for the credit card records, described device further include:
First acquisition unit 503 is opened event based on the credit card between the user and the credit card issuers, is obtained
The credit card between the user and the credit card issuers is taken to open record；
Credit card between the user and the credit card issuers is opened record and uploaded by the first uploading unit 504
Into block chain.
Optionally, in one embodiment, the credit card between the user and the credit card issuers records packet
Include following at least one:
The credit card issuers record the real-name authentication of the user；
The electronics contract that fund transfer between the user and the credit card issuers for the credit card is signed.
Optionally, in one embodiment, in the uploading unit 502 by the user and the credit card issuers
Between for the credit card fund transfer record upload in block chain after, described device further include:
Second acquisition unit 505, obtains and records the first cryptographic Hash that the block chain returns, and first cryptographic Hash is
The block chain opens what record was handled based on the credit card, and first cryptographic Hash is block chain storage
The storage mark for opening record of the credit card, is breathed out so that the notarization node of the block chain can be inquired with described first
The uncommon corresponding credit card of value opens record.
Optionally, in one embodiment, in the uploading unit 502 by the user and the credit card issuers
Between for the credit card fund transfer record upload in block chain after, described device further include:
Second acquisition unit 506, obtains and records the second cryptographic Hash that the block chain returns, and second cryptographic Hash is
The block chain is handled based on the fund transfer record of the credit card, and second cryptographic Hash is the block chain
The storage mark of the fund transfer record of the credit card is stored, so that the notarization node of the block chain can inquire and institute
State the fund transfer record of the corresponding credit card of the second cryptographic Hash.
Optionally, in one embodiment, the fund failover events of the credit card, including following at least one:
The credit card issuers are directed to the event of loaning on credit of the user；
The user is directed to the mode credit payment event of the credit card issuers；
Then the fund of the credit card shifts record, including following at least one:
The credit card issuers are directed to the record of loaning on credit of the user；
The user records for the mode credit payment of the credit card issuers.
Optionally, in one embodiment, the user and money of the credit card issuers about the credit card
Rights and duties in gold transfer include at least following one kind:
The credit card issuers are directed to the amount of loaning on credit of the user；
The user is directed to the mode credit payment time limit of the credit card issuers；
The user is directed to the minimum mode credit payment amount of the credit card issuers；
The credit card issuers are directed to the overdue processing authority that do not refund of the user.
Optionally, in one embodiment, in the uploading unit 502 by the user and the credit card issuers
Between for the credit card fund transfer record upload in block chain after, described device further include:
Receiving unit 507 receives the fund transfer record of the credit card between other credit card issuers and the user；
Second uploading unit 508 turns the fund of the credit card between other described credit card issuers and the user
Record is moved to be uploaded in the block chain.
The method that the fund transfer device 500 of credit card based on block chain can be realized the embodiment of the method for Fig. 3, specifically
The funds transfer method that can refer to the credit card based on block chain of embodiment illustrated in fig. 3, repeats no more.
Fig. 6 is the structural schematic diagram for the electronic equipment that one embodiment of this specification provides.Referring to FIG. 6, in hardware
Level, the electronic equipment include processor, optionally further comprising internal bus, network interface, memory.Wherein, memory can
It can include memory, such as high-speed random access memory (Random-Access Memory, RAM), it is also possible to further include non-easy
The property lost memory (non-volatile memory), for example, at least 1 magnetic disk storage etc..Certainly, which is also possible to
Including hardware required for other business.
Processor, network interface and memory can be connected with each other by internal bus, which can be ISA
(Industry Standard Architecture, industry standard architecture) bus, PCI (Peripheral
Component Interconnect, Peripheral Component Interconnect standard) bus or EISA (Extended Industry Standard
Architecture, expanding the industrial standard structure) bus etc..The bus can be divided into address bus, data/address bus, control always
Line etc..Only to be indicated with a four-headed arrow in Fig. 6, it is not intended that an only bus or a type of convenient for indicating
Bus.
Memory, for storing program.Specifically, program may include program code, and said program code includes calculating
Machine operational order.Memory may include memory and nonvolatile memory, and provide instruction and data to processor.
Processor is from the then operation into memory of corresponding computer program is read in nonvolatile memory, in logical layer
The credit transfer device based on block chain is formed on face.Processor executes the program that memory is stored, and is specifically used for executing
It operates below:
Based on the credit transfer event between user and fund control side, obtain the user and the fund control side it
Between credit transfer record；Electronics contract has been signed for the credit transfer between the user and the fund control side,
The electronics contract includes at least the user and the fund control side about the rights and duties in the credit transfer；
Credit transfer record between the user and the fund control side is uploaded in block chain；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
The credit transfer method based on block chain disclosed in the above-mentioned FIG. 1 to FIG. 2 illustrated embodiment such as this specification can answer
It is realized in processor, or by processor.Processor may be a kind of IC chip, the processing energy with signal
Power.During realization, each step of the above method can pass through the integrated logic circuit or software of the hardware in processor
The instruction of form is completed.Above-mentioned processor can be general processor, including central processing unit (Central Processing
Unit, CPU), network processing unit (Network Processor, NP) etc.；It can also be digital signal processor (Digital
Signal Processor, DSP), specific integrated circuit (Application Specific Integrated Circuit,
ASIC), field programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic
Device, discrete gate or transistor logic, discrete hardware components.It may be implemented or execute this specification one or more
Disclosed each method, step and logic diagram in embodiment.General processor can be microprocessor or the processor
It can be any conventional processor etc..The step of method in conjunction with disclosed in this specification one or more embodiment, can be straight
Connect and be presented as that hardware decoding processor executes completion, or in decoding processor hardware and software module combination executed
At.Software module can be located at random access memory, and flash memory, read-only memory, programmable read only memory or electrically-erasable can
In the storage medium of this fields such as programmable memory, register maturation.The storage medium is located at memory, and processor reads storage
Information in device, in conjunction with the step of its hardware completion above method.
The electronic equipment can also carry out the credit transfer method based on block chain of FIG. 1 to FIG. 2, and this specification is herein no longer
It repeats.
Certainly, other than software realization mode, other implementations are not precluded in the electronic equipment of this specification, such as
Logical device or the mode of software and hardware combining etc., that is to say, that the executing subject of following process flow is not limited to each
Logic unit is also possible to hardware or logical device.
Fig. 7 is the structural schematic diagram for the electronic equipment that one embodiment of this specification provides.Referring to FIG. 7, in hardware
Level, the electronic equipment include processor, optionally further comprising internal bus, network interface, memory.Wherein, memory can
It can include memory, such as high-speed random access memory (Random-Access Memory, RAM), it is also possible to further include non-easy
The property lost memory (non-volatile memory), for example, at least 1 magnetic disk storage etc..Certainly, which is also possible to
Including hardware required for other business.
Processor, network interface and memory can be connected with each other by internal bus, which can be ISA
(Industry Standard Architecture, industry standard architecture) bus, PCI (Peripheral
Component Interconnect, Peripheral Component Interconnect standard) bus or EISA (Extended Industry Standard
Architecture, expanding the industrial standard structure) bus etc..The bus can be divided into address bus, data/address bus, control always
Line etc..Only to be indicated with a four-headed arrow in Fig. 7, it is not intended that an only bus or a type of convenient for indicating
Bus.
Memory, for storing program.Specifically, program may include program code, and said program code includes calculating
Machine operational order.Memory may include memory and nonvolatile memory, and provide instruction and data to processor.
Processor is from the then operation into memory of corresponding computer program is read in nonvolatile memory, in logical layer
The fund transfer device of the credit card based on block chain is formed on face.Processor executes the program that memory is stored, and specific
For performing the following operations:
Based on the fund failover events for being directed to credit card between user and credit card issuers, the user and described is obtained
Record is shifted for the fund of the credit card between credit card issuers；Needle between the user and the credit card issuers
Electronics contract is signed to the fund transition rule of the credit card, the electronics contract includes at least the user and the letter
The rights and duties shifted with card issuing about the fund of the credit card；
The fund transfer record that the credit card is directed between the user and the credit card issuers is uploaded into area
In block chain；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
The funds transfer method of the credit card based on block chain disclosed in the above-mentioned embodiment illustrated in fig. 3 such as this specification can be with
It is realized applied in processor, or by processor.Processor may be a kind of IC chip, the processing energy with signal
Power.During realization, each step of the above method can pass through the integrated logic circuit or software of the hardware in processor
The instruction of form is completed.Above-mentioned processor can be general processor, including central processing unit (Central Processing
Unit, CPU), network processing unit (Network Processor, NP) etc.；It can also be digital signal processor (Digital
Signal Processor, DSP), specific integrated circuit (Application Specific Integrated Circuit,
ASIC), field programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic
Device, discrete gate or transistor logic, discrete hardware components.It may be implemented or execute this specification one or more
Disclosed each method, step and logic diagram in embodiment.General processor can be microprocessor or the processor
It can be any conventional processor etc..The step of method in conjunction with disclosed in this specification one or more embodiment, can be straight
Connect and be presented as that hardware decoding processor executes completion, or in decoding processor hardware and software module combination executed
At.Software module can be located at random access memory, and flash memory, read-only memory, programmable read only memory or electrically-erasable can
In the storage medium of this fields such as programmable memory, register maturation.The storage medium is located at memory, and processor reads storage
Information in device, in conjunction with the step of its hardware completion above method.
The electronic equipment can also carry out the funds transfer method of the credit card based on block chain of Fig. 3, and this specification is herein
It repeats no more.
Certainly, other than software realization mode, other implementations are not precluded in the electronic equipment of this specification, such as
Logical device or the mode of software and hardware combining etc., that is to say, that the executing subject of following process flow is not limited to each
Logic unit is also possible to hardware or logical device.
In short, being not intended to limit the protection of this specification the foregoing is merely the preferred embodiment of this specification
Range.With within principle, made any modification, changes equivalent replacement all spirit in this specification one or more embodiment
Into etc., it should be included within the protection scope of this specification one or more embodiment.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used
Think personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
It is any in device, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or these equipment
The combination of equipment.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability
It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap
Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want
There is also other identical elements in the process, method of element, commodity or equipment.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality
For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method
Part explanation.
Claims (16)
1. a kind of credit transfer method based on block chain, comprising:
Based on the credit transfer event between user and fund control side, obtain between the user and the fund control side
Credit transfer record；Electronics contract has been signed for the credit transfer between the user and the fund control side, it is described
Electronics contract includes at least the user and the fund control side about the rights and duties in the credit transfer；
Credit transfer record between the user and the fund control side is uploaded in block chain；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
2. the method as described in claim 1 is obtaining the credit transfer record between the user and the fund control side
Before, the method also includes:
Event is opened based on the credit transfer between the user and the fund control side, obtains the user and the fund
Credit transfer between control side opens record；
Credit transfer between the user and the fund control side is opened record to upload in block chain.
3. method according to claim 2, the credit transfer between the user and the fund control side opens record packet
Include following at least one:
The fund control side records the real-name authentication of the user；
The electronics contract signed between the user and the fund control side for the credit transfer.
4. the credit transfer between the user and the fund control side is being opened note by method according to claim 2
After record uploads in block chain, the method also includes:
The first cryptographic Hash that the block chain returns is obtained and records, first cryptographic Hash is that the block chain is based on the letter
Open what record was handled with transfer, and first cryptographic Hash is that the block chain stores the open-minded of the credit transfer
The storage of record identifies, so as to the notarization node of the block chain can inquire it is corresponding with second cryptographic Hash described
Credit transfer opens record.
5. the method as described in claim 1 is recording the credit transfer between the user and the fund control side
After passing in block chain, the method also includes:
The second cryptographic Hash that the block chain returns is obtained and records, second cryptographic Hash is that the block chain is based on the letter
It is handled with transfer record, and second cryptographic Hash is the storage mark that the block chain stores the credit transfer record
Know, so that the notarization node of the block chain can inquire the credit transfer note corresponding with second cryptographic Hash
Record.
6. the method as described in claim 1, the credit transfer event, including following at least one:
Loan on credit event of the fund control policy to the user；
The user is directed to the mode credit payment event of the fund control side.
7. method as claimed in claim 6, the credit transfer record, including following at least one:
Loan on credit record of the fund control policy to the user；
The user records for the mode credit payment of the fund control side.
8. the method as described in claim 1, the user and the fund control side are about the right in the credit transfer
Following one kind are included at least with obligation:
Loan on credit amount of the fund control policy to the user；
The user is directed to the mode credit payment time limit of the fund control side；
The user is directed to the minimum mode credit payment amount of the fund control side；
The fund manages the policy processing authority that do not refund overdue to the user.
9. the method as described in claim 1 is recording the credit transfer between the user and the fund control side
After passing in block chain, the method also includes:
Receive the credit transfer record between other fund sides of control and the user；
Credit transfer record between other described fund sides of control and the user is uploaded in the block chain.
10. a kind of funds transfer method of the credit card based on block chain, comprising:
Based on the fund failover events for being directed to credit card between user and credit card issuers, the user and the credit are obtained
Record is shifted for the fund of the credit card between card issuing；Institute is directed between the user and the credit card issuers
The fund transition rule for stating credit card has signed electronics contract, and the electronics contract includes at least the user and the credit card
The rights and duties that publisher shifts about the fund of the credit card；
The fund transfer record that the credit card is directed between the user and the credit card issuers is uploaded into block chain
In；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
11. a kind of credit transfer device based on block chain, comprising:
Acquiring unit obtains the user and the fund pipe based on the credit transfer event between user and fund control side
Credit transfer record between prosecutor；Electronics has been signed for the credit transfer between the user and the fund control side
Contract, the electronics contract include at least the user and the fund control side about the right and justice in the credit transfer
Business；
Uploading unit uploads to the credit transfer record between the user and the fund control side in block chain；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
12. a kind of fund transfer device of the credit card based on block chain, comprising:
Acquiring unit obtains the user based on the fund failover events for being directed to credit card between user and credit card issuers
Record is shifted for the fund of the credit card between the credit card issuers；The user and the credit card issuers
Between for the fund transition rule of the credit card signed electronics contract, the electronics contract include at least the user with
The rights and duties that the credit card issuers are shifted about the fund of the credit card；
Uploading unit uploads the fund transfer record that the credit card is directed between the user and the credit card issuers
Into block chain；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
13. a kind of electronic equipment, the electronic equipment include:
Processor；And
It is arranged to the memory of storage computer executable instructions, the executable instruction makes the processor when executed
Execute following operation:
Based on the credit transfer event between user and fund control side, obtain between the user and the fund control side
Credit transfer record；Electronics contract has been signed for the credit transfer between the user and the fund control side, it is described
Electronics contract includes at least the user and the fund control side about the rights and duties in the credit transfer；
Credit transfer record between the user and the fund control side is uploaded in block chain；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
14. a kind of computer readable storage medium, the computer-readable recording medium storage one or more program, described one
A or multiple programs are when the electronic equipment for being included multiple application programs executes, so that the electronic equipment executes following behaviour
Make:
Based on the credit transfer event between user and fund control side, obtain between the user and the fund control side
Credit transfer record；Electronics contract has been signed for the credit transfer between the user and the fund control side, it is described
Electronics contract includes at least the user and the fund control side about the rights and duties in the credit transfer；
Credit transfer record between the user and the fund control side is uploaded in block chain；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
15. a kind of electronic equipment, the electronic equipment include:
Processor；And
It is arranged to the memory of storage computer executable instructions, the executable instruction makes the processor when executed
Execute following operation:
Based on the fund failover events for being directed to credit card between user and credit card issuers, the user and the credit are obtained
Record is shifted for the fund of the credit card between card issuing；Institute is directed between the user and the credit card issuers
The fund transition rule for stating credit card has signed electronics contract, and the electronics contract includes at least the user and the credit card
The rights and duties that publisher shifts about the fund of the credit card；
The fund transfer record that the credit card is directed between the user and the credit card issuers is uploaded into block chain
In；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
16. a kind of computer readable storage medium, the computer-readable recording medium storage one or more program, described one
A or multiple programs are when the electronic equipment for being included multiple application programs executes, so that the electronic equipment executes following behaviour
Make:
Based on the fund failover events for being directed to credit card between user and credit card issuers, the user and the credit are obtained
Record is shifted for the fund of the credit card between card issuing；Institute is directed between the user and the credit card issuers
The fund transition rule for stating credit card has signed electronics contract, and the electronics contract includes at least the user and the credit card
Publisher is about the rights and duties in the fund transfer of the credit card；
The fund transfer record that the credit card is directed between the user and the credit card issuers is uploaded into block chain
In；
Wherein, the block chain is for confirming that the data being stored in the block chain are credible.
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| CN201910329115.8A CN110175831B (en) | 2019-04-23 | 2019-04-23 | Credit transfer method and device based on blockchain and electronic equipment |
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| CN201910329115.8A CN110175831B (en) | 2019-04-23 | 2019-04-23 | Credit transfer method and device based on blockchain and electronic equipment |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2022094760A1 (en) * | 2020-11-03 | 2022-05-12 | 天津理工大学 | Blockchain-based credit payment and transfer method and system |
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