CN110175831B - Credit transfer method and device based on blockchain and electronic equipment - Google Patents
Credit transfer method and device based on blockchain and electronic equipment Download PDFInfo
- Publication number
- CN110175831B CN110175831B CN201910329115.8A CN201910329115A CN110175831B CN 110175831 B CN110175831 B CN 110175831B CN 201910329115 A CN201910329115 A CN 201910329115A CN 110175831 B CN110175831 B CN 110175831B
- Authority
- CN
- China
- Prior art keywords
- user
- credit
- blockchain
- transfer
- funds
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—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
The application discloses a credit transfer method and device based on a blockchain and electronic equipment, wherein the credit transfer method and device comprises the following steps: based on a credit transfer event between a user and a funds management and control, acquiring a credit transfer record between the user and the funds management and control; an electronic contract is signed between the user and the funds management and control for the credit transfer, the electronic contract comprising at least rights and obligations of the user and the funds management and control with respect to the credit transfer; uploading a credit transfer record between the user and the funds management to a blockchain; wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to a credit transfer method and apparatus based on blockchain, and an electronic device.
Background
With the development of economy and the advancement of society, people's payment modes are gradually changing, and more users start to change from cash payment to electronic payment, wherein the electronic payment comprises account balance payment and credit payment.
At present, the premise of using credit payment by a user is often that a credit card of a bank or other financial institutions is applied for under the name of the user, and when the credit card of most banks or other financial institutions is applied for by the user, the user is often required to have a certain credit accumulation, namely, a certain credit threshold is required to successfully apply for and use the credit card.
However, the current credit card application and usage thresholds are high for many users without credit accumulation, or users with low credit ratings.
Disclosure of Invention
The embodiment of the application provides a credit transfer method and device based on a blockchain and electronic equipment, which are used for solving the problem that the threshold of application and use of the existing credit card is high.
In order to solve the technical problems, the embodiment of the application is realized as follows:
in a first aspect, a credit transfer method based on a blockchain is provided, including:
based on a credit transfer event between a user and a funds management and control, acquiring a credit transfer record between the user and the funds management and control; an electronic contract is signed between the user and the funds management and control for the credit transfer, the electronic contract comprising at least rights and obligations of the user and the funds management and control with respect to the credit transfer;
Uploading a credit transfer record between the user and the funds management to a blockchain;
wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
In a second aspect, a method of funds transfer for a blockchain-based credit card is provided, comprising:
acquiring a funds transfer record for a credit card between a user and a credit card issuer based on a funds transfer event for the credit card between the user and the credit card issuer; an electronic contract between the user and the credit card issuer for funds transfer rules for the credit card, the electronic contract including at least rights and obligations in funds transfer of the user with the credit card issuer with respect to the credit card;
uploading a record of funds transfer for the credit card between the user and the credit card issuer into a blockchain;
wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
In a third aspect, a credit transfer device based on a blockchain is provided, including:
an acquisition unit that acquires a credit transfer record between a user and a funds management and control based on a credit transfer event between the user and the funds management and control; an electronic contract is signed between the user and the funds management and control for the credit transfer, the electronic contract comprising at least rights and obligations of the user and the funds management and control with respect to the credit transfer;
An uploading unit that uploads a credit transfer record between the user and the funds management and control into a blockchain;
wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
In a fourth aspect, a blockchain-based credit card funds transfer apparatus is provided, comprising:
an acquisition unit that acquires a funds transfer record for a credit card between a user and a credit card issuer based on a funds transfer event for the credit card between the user and the credit card issuer; an electronic contract between the user and the credit card issuer for funds transfer rules for the credit card, the electronic contract including at least rights and obligations in funds transfer of the user with the credit card issuer with respect to the credit card;
an uploading unit that uploads a funds transfer record for the credit card between the user and the credit card issuer into a blockchain;
wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
In a fifth aspect, an electronic device is provided, the electronic device comprising:
a processor; and
a memory arranged to store computer executable instructions that, when executed, cause the processor to:
Based on a credit transfer event between a user and a funds management and control, acquiring a credit transfer record between the user and the funds management and control; an electronic contract is signed between the user and the funds management and control for the credit transfer, the electronic contract comprising at least rights and obligations of the user and the funds management and control with respect to the credit transfer;
uploading a credit transfer record between the user and the funds management to a blockchain;
wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
In a sixth aspect, a computer-readable storage medium storing one or more programs that, when executed by an electronic device comprising a plurality of application programs, cause the electronic device to:
based on a credit transfer event between a user and a funds management and control, acquiring a credit transfer record between the user and the funds management and control; an electronic contract is signed between the user and the funds management and control for the credit transfer, the electronic contract comprising at least rights and obligations of the user and the funds management and control with respect to the credit transfer;
Uploading a credit transfer record between the user and the funds management to a blockchain;
wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
In a seventh aspect, an electronic device is provided, the electronic device comprising:
a processor; and
a memory arranged to store computer executable instructions that, when executed, cause the processor to:
acquiring a funds transfer record for a credit card between a user and a credit card issuer based on a funds transfer event for the credit card between the user and the credit card issuer; an electronic contract between the user and the credit card issuer for funds transfer rules for the credit card, the electronic contract including at least rights and obligations in funds transfer of the user with the credit card issuer with respect to the credit card;
uploading a record of funds transfer for the credit card between the user and the credit card issuer into a blockchain;
wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
In an eighth aspect, a computer-readable storage medium is provided, the computer-readable storage medium storing one or more programs that, when executed by an electronic device that includes a plurality of application programs, cause the electronic device to:
Acquiring a funds transfer record for a credit card between a user and a credit card issuer based on a funds transfer event for the credit card between the user and the credit card issuer; an electronic contract between the user and the credit card issuer for funds transfer rules for the credit card, the electronic contract including at least rights and obligations in funds transfer of the user with the credit card issuer with respect to the credit card;
uploading a record of funds transfer for the credit card between the user and the credit card issuer into a blockchain;
wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
The embodiment of the application can at least achieve the following technical effects by adopting the technical scheme:
when the fund management and control is paid to the user or the user pays back to the fund management and control, the credit transfer record between the user and the fund management and control can be obtained based on the credit transfer event between the user and the fund management and control, and an electronic contract is signed between the user and the fund management and control for the credit transfer, wherein the electronic contract at least comprises rights and obligations of the user and the fund management and control on the credit transfer, and the credit transfer record between the user and the fund management and control is uploaded to the blockchain. That is, by the non-tamperable property of the data stored in the blockchain, the credibility of the data stored in the blockchain is ensured, so that the threshold for opening and performing credit transfer between the user and the fund management and control can be reduced, and in addition, the evidence difficulty and the evidence raising cost when the fund dispute occurs between the user and the fund management and control can be greatly reduced.
When a user pays or pays to a credit card issuer, a funds transfer record for the credit card between the user and the credit card issuer can be obtained based on funds transfer events for the credit card between the user and the credit card issuer, and an electronic contract is signed between the user and the credit card issuer for funds transfer rules for the credit card, the electronic contract including at least rights and obligations of the user and the credit card issuer with respect to funds transfer of the credit card, and the funds transfer record for the credit card between the user and the credit card issuer is uploaded to the blockchain. That is, by the non-tamperable property of the data stored in the blockchain, the credibility of the data stored in the blockchain is ensured, so that the threshold of opening credit payment and transferring funds between a user and a credit card issuer can be reduced, and the difficulty and cost of proving when funds disputes occur between the user and the credit card issuer can be greatly reduced.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this specification, illustrate embodiments of the application and together with the description serve to explain the application and do not constitute a limitation on the application. In the drawings:
FIG. 1 is a schematic diagram of a credit transfer method based on blockchain as provided in an embodiment of the present disclosure applied in a practical scenario;
FIG. 2 is a schematic flow chart of an implementation of a credit transfer method based on blockchain according to an embodiment of the present disclosure;
FIG. 3 is a schematic diagram of a block chain-based credit card funds transfer method according to one embodiment of the present disclosure
FIG. 4 is a schematic diagram of a credit transfer device based on a blockchain according to an embodiment of the present disclosure;
FIG. 5 is a schematic diagram of a block chain based credit card funds transfer apparatus according to one embodiment of the present disclosure;
fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present disclosure;
fig. 7 is a schematic structural diagram of still another electronic device according to an embodiment of the present disclosure.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the technical solutions of the present application will be clearly and completely described below with reference to specific embodiments of the present application and corresponding drawings. It will be apparent that the described embodiments are only some, but not all, embodiments of the application. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
The following describes in detail the technical solutions provided by the embodiments of the present application with reference to the accompanying drawings.
In order to solve the problem that the threshold of the application and use of the existing credit card is high, the embodiment of the specification provides a credit transfer method based on a blockchain. Fig. 1 is a schematic diagram of a credit transfer method based on blockchain applied in a practical scenario according to an embodiment of the present disclosure. As shown in fig. 1, in the solution of the embodiment of the present specification, the funds management and control may upload the credit transfer record between the user and the funds management and control into the blockchain to determine that the credit transfer record between the user and the funds management and control, such as the payment record of the funds management and control for the user and the repayment record of the funds management and control for the user, is not tampered with.
When the funds transfer disputes occur between the funds management and control party and the user, the funds transfer records related to the funds transfer disputes can be accurately determined based on the data stored in the blockchain, and then the responsible party of the funds transfer disputes is determined, so that the judicial institution or other institutions can perform corresponding accountability processing on the responsible party of the disputes. The fund management and control can also upload real-name authentication information when the user applies for opening credit transfer with the fund management and control and an electronic contract signed between the user and the fund management and control into the blockchain so as to provide powerful evidence for relevant judicial institutions when fund transfer disputes occur between the user and the fund management and control, thereby avoiding the behaviors such as repudiation and the like of the user or the fund management and control.
The scheme of the embodiment of the present application is further described below with reference to fig. 2.
FIG. 2 is a flow diagram illustrating an implementation of a blockchain-based credit transfer method in accordance with an embodiment of the present disclosure. It should be appreciated that the methods of embodiments of the present description may be performed by a funds management authority, or a funds management intermediary, or the like. It should be appreciated that the funds management and intermediaries may be a node in the blockchain or may be an account number with blockchain assignments such that data can be uploaded to the blockchain through a predetermined interface of the blockchain.
It should be appreciated that the funds management and control of the embodiments of the present disclosure may provide the user with an open function for credit transfer, a function for real name authentication of the user's identity, a function for cash discharge of the user, a function for bill delivery to the user, and so on. Specifically, the blockchain-based credit transfer method shown in fig. 2 includes:
s210, acquiring a credit transfer record between a user and a fund management and control based on a credit transfer event between the user and the fund management and control; an electronic contract is signed between the user and the funds management for the credit transfer, the electronic contract including at least rights and obligations of the user and the funds management with respect to the credit transfer.
Optionally, the credit transfer event includes at least one of:
the fund management and control aims at credit paying events of users;
a credit repayment event for the funds management and control by the user;
a credit transfer record comprising at least one of:
the fund management and control is aimed at the credit record of the user;
the user pays records for the credit for the funds management.
It should be appreciated that the credit transfer event between the user and the funds management may include a credit release event for the funds management to the user, and a credit repayment event for the user to the funds management. Taking the fund management and control as an example of a credit card issuer, a user can apply for and acquire a credit card from the credit card issuer, and the credit card can be contracted with the user to pay the amount of credit when applying for the credit card, or the fund management and control can determine the user's amount of credit to pay the amount of credit based on the actual income level and consumption level of the user.
It should be understood that, in the process of using the credit card, the user can take cash in the allowed range of the credit line through the credit card, and can pay the amount in the allowed range of the credit line through the credit card at the merchant, i.e. the fund management and control can pay the credit according to the use requirement of the user. In response, the user should pay credit to the funds management party in accordance with the agreement after the monthly credit card bill expires, i.e., the user may pay credit for the amount of the bill issued by the funds management party.
Alternatively, the funds management may invoke an electronic contract template to generate an electronic contract based on a user request to open a credit transfer. Wherein the electronic contract may be generated based on factors affecting the user's payment level, such as the user's revenue level, consumption level, etc.
Optionally, before obtaining the record of credit transfer between the user and the funds management based on the credit transfer event between the user and the funds management, the method further comprises:
acquiring a credit transfer opening record between a user and a fund management and control based on a credit transfer opening event between the user and the fund management and control;
the credit transfer opening record between the user and the funds management and control is uploaded into the blockchain.
Optionally, the credit transfer opening record between the user and the funds management includes at least one of:
the fund management and control records the real name authentication of the user;
an electronic contract between the user and the funds management for credit transfers.
It should be appreciated that the real-name authentication record of the user by the funds management party may include the user's certificate image information, the user's certificate text information, the user's in-vivo authentication video, and the authentication results of the user's certificate information and the user's in-vivo authentication video, which are collected by the funds management party.
Optionally, the rights and obligations of the user and the funds management in relation to the credit transfer include at least one of:
the fund management and control is aimed at the credit paying amount of the user;
credit repayment deadlines for the funds management and control by the user;
the lowest credit repayment amount of the user aiming at the fund management and control;
the fund management and control aims at the processing authority of overdue non-repayment of the user.
It should be appreciated that the electronic contracts of the embodiments of the present description are used to store relevant clause specifications of users and funds management in relation to credit transfers. In general, when a user applies for a credit transfer, such as a credit payment, to a funds management party, the rights and obligations of both the user and the funds management party need to be agreed upon. That is, the electronic contract includes at least rights and obligations for the user and the funds management in connection with the credit transfer.
For example, the funds management and control needs to pay the user, which is an obligation of the funds management and control; the funds management and control receives the user's credit repayment when the user's credit repayment period expires, which is a right of the funds management and control. Of course, the rights and obligations of the funds management are not limited thereto. In response, the user has the right to request the money transfer from the money manager, for example, the user has the right to request cash from the money manager, and the user has the right to pay money to the merchant using the credit payment function of the money manager, and at the same time, the user has the obligation to pay back to the money manager when the monthly credit payment period expires.
Of course, it should be appreciated that the user and/or funds management party's liability violations may also be included in the electronic contract. For example, if the funds management and control does not give the user an agreed credit line of money, the funds management and control may agree that the funds management and control exempts the user from a portion of the commission; if the user does not pay the funds in accordance with the contracted credit payment terms, i.e., does not pay for overdue, the user defaults, the contracted funds management may collect a percentage of the default funds from the user, and so on.
It should be appreciated that to verify whether the open record of the credit transfer has been tampered with, the blockchain may obtain a first hash value based on the open record of the credit transfer and return the first hash value to the funds management and control to prove the authenticity of the open record of the credit transfer provided by the funds management and control when a credit transfer dispute occurs between the user and the funds management and control. Then, after uploading the credit transfer opening record between the user and the funds management into the blockchain, the method further includes:
and acquiring and recording a first hash value returned by the blockchain, wherein the first hash value is obtained by processing the opening record of the blockchain based on credit transfer, and the first hash value is a storage identifier of the opening record of the blockchain for storing the credit transfer, so that a notarized node of the blockchain can inquire the opening record of the credit transfer corresponding to the second hash value.
S220, uploading a credit transfer record between the user and the fund management and control to a blockchain; wherein the blockchain is used to confirm that data stored in the blockchain is authentic.
Optionally, when a credit transfer dispute occurs between the user and the funds management party, for example, the user performs a credit-relying action, in order to ensure validity and authenticity of the credit transfer record provided by the funds management party between the user and the funds management party, the blockchain in the embodiment of the present disclosure may obtain the second hash value based on the credit transfer record processing.
The second hash value is used for verifying the validity and the authenticity of the credit transfer record between the user and the fund management and control party, specifically, when a credit transfer dispute occurs, the stored credit transfer record on the blockchain or the credit transfer record provided by the fund management and control party can be obtained, the credit transfer record is subjected to hash processing to obtain a hash value to be verified, the hash value to be verified is compared with the second hash value, if the hash value to be verified is the same as the second hash value, the credit transfer record is indicated to be original data which is not tampered, and if the hash value to be verified is different from the second hash value, the credit transfer record is indicated to be tampered.
Then, after uploading the credit transfer record between the user and the funds management into the blockchain, the method further includes:
and obtaining and recording a second hash value returned by the blockchain, wherein the second hash value is obtained by processing the blockchain based on credit transfer records, and the second hash value is a storage identifier of the blockchain storage credit transfer record, so that a notarized node of the blockchain can inquire the credit transfer record corresponding to the first hash value.
Optionally, the funds management in the embodiments of the present description may also act as a node of the blockchain to receive credit transfer records between other funds management and the user, and upload the credit transfer records between other funds management and the user into the blockchain.
Specifically, the method further comprises:
receiving credit transfer records between other funds management and control and the user;
the credit transfer records between the other funds management and the user are uploaded into the blockchain.
It should be appreciated that when the credit transfer record between the other funds management and the user is uploaded to the blockchain, in order to later prove the true validity of the credit transfer record, a third hash value of the credit transfer record between the other funds management and the user can be obtained and returned to the blockchain.
When the fund management and control is paid to the user or the user pays back to the fund management and control, the credit transfer record between the user and the fund management and control can be obtained based on the credit transfer event between the user and the fund management and control, and an electronic contract is signed between the user and the fund management and control for the credit transfer, wherein the electronic contract at least comprises rights and obligations of the user and the fund management and control on the credit transfer, and the credit transfer record between the user and the fund management and control is uploaded to the blockchain. That is, by the non-tamperable property of the data stored in the blockchain, the credibility of the data stored in the blockchain is ensured, so that the threshold for opening and performing credit transfer between the user and the fund management and control can be reduced, and in addition, the evidence difficulty and the evidence raising cost when the fund dispute occurs between the user and the fund management and control can be greatly reduced.
Fig. 3 is a schematic flow chart of an implementation of a method for transferring funds of a credit card based on a blockchain according to an embodiment of the present disclosure, including:
s310, acquiring a funds transfer record for the credit card between the user and the credit card issuer based on the funds transfer event for the credit card between the user and the credit card issuer; an electronic contract is signed between the user and the credit card issuer for the funds transfer rules for the credit card, the electronic contract including at least the rights and obligations of the user and the credit card issuer with respect to the funds transfer of the credit card.
Optionally, the credit card funds transfer event includes at least one of:
credit card issuers are directed to credit paying events of users;
a credit repayment event for the user against the credit card issuer;
the funds-transfer record for the credit card includes at least one of:
the credit card issuer directs the credit release record of the user;
a credit repayment record for the user for the credit card issuer.
Optionally, the method further comprises:
acquiring an opening record of a credit card between a user and a credit card issuer based on a credit transfer opening event between the user and the credit card issuer;
the opening record of the credit card between the user and the credit card issuer is uploaded into the blockchain.
Optionally, the provisioning record of the credit card between the user and the credit card issuer includes at least one of:
a real-name authentication record of the credit card issuer to the user;
an electronic contract between a user and a credit card issuer for funds transfer of the credit card.
Optionally, the rights and obligations in the user's funds transfer with the credit card issuer with respect to the credit card include at least one of:
the credit card issuer pays money for the user's credit;
A credit repayment period for the user for the credit card issuer;
the lowest credit repayment amount of the user for the resource credit card issuer;
the credit card issuer handles the right to handle overdue non-repayment of the user.
Optionally, the method further comprises:
and acquiring and recording a first hash value returned by the blockchain, wherein the first hash value is obtained by processing the opening record of the blockchain based on the credit card, and the first hash value is a storage identifier of the opening record of the blockchain storage credit card, so that a notarized node of the blockchain can inquire the opening record of the credit card corresponding to the first hash value.
S320, uploading a funds transfer record for the credit card between the user and the credit card issuer into the blockchain; wherein the blockchain is used to confirm that data stored in the blockchain is authentic.
Optionally, the method further comprises:
and acquiring and recording a second hash value returned by the blockchain, wherein the second hash value is obtained by processing the credit card-based funds transfer record of the blockchain, and the second hash value is a storage identifier of the credit card-based funds transfer record of the blockchain, so that the notarized node of the blockchain can inquire the credit card funds transfer record corresponding to the second hash value.
Optionally, the method further comprises:
receiving a record of credit transfer between other credit card issuers and the user;
credit transfer records between other credit card issuers and users are uploaded into the blockchain.
When a user pays or pays to a credit card issuer, a funds transfer record for the credit card between the user and the credit card issuer can be obtained based on funds transfer events for the credit card between the user and the credit card issuer, and an electronic contract is signed between the user and the credit card issuer for funds transfer rules for the credit card, the electronic contract including at least rights and obligations of the user and the credit card issuer with respect to funds transfer of the credit card, and the funds transfer record for the credit card between the user and the credit card issuer is uploaded to the blockchain. That is, by the non-tamperable property of the data stored in the blockchain, the credibility of the data stored in the blockchain is ensured, so that the threshold of opening credit payment and transferring funds between a user and a credit card issuer can be reduced, and the difficulty and cost of proving when funds disputes occur between the user and the credit card issuer can be greatly reduced.
Fig. 4 is a schematic structural diagram of a credit transfer device 400 based on blockchain according to an embodiment of the present disclosure. Referring to fig. 4, in a software implementation, a blockchain-based credit transfer device 400 may include an acquisition unit 401 and an upload unit 402, wherein:
an acquisition unit 401 that acquires a credit transfer record between a user and a funds management and control based on a credit transfer event between the user and the funds management and control; an electronic contract is signed between the user and the funds management and control for the credit transfer, the electronic contract comprising at least rights and obligations of the user and the funds management and control with respect to the credit transfer;
an upload unit 402 that uploads a credit transfer record between the user and the funds management and control into a blockchain;
wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
Optionally, in one embodiment, before the obtaining unit 401 obtains a credit transfer record between the user and the funds management, the apparatus further comprises:
a first obtaining unit 403, configured to obtain a credit transfer opening record between the user and the funds management and control based on a credit transfer opening event between the user and the funds management and control;
A first upload unit 404 uploads a credit transfer opening record between the user and the funds management and control into a blockchain.
Optionally, in one embodiment, the credit transfer opening record between the user and the funds management includes at least one of:
the fund management and control records the real-name authentication of the user;
an electronic contract between the user and the funds management for the credit transfer.
Optionally, in one embodiment, after the uploading unit 402 uploads the credit transfer opening record between the user and the funds management to the blockchain, the apparatus further includes:
the second obtaining unit 405 obtains and records a first hash value returned by the blockchain, where the first hash value is obtained by processing the opening record of the blockchain based on the credit transfer, and the first hash value is a storage identifier of the opening record of the credit transfer stored in the blockchain, so that a notarized node of the blockchain can query the opening record of the credit transfer corresponding to the first hash value.
Optionally, in one embodiment, after the uploading unit 402 uploads the credit transfer record between the user and the funds management into a blockchain, the apparatus further includes:
And a third obtaining unit 406, configured to obtain and record a second hash value returned by the blockchain, where the second hash value is obtained by processing the blockchain based on the credit transfer record, and the second hash value is a storage identifier of the credit transfer record stored in the blockchain, so that a notarized node of the blockchain can query the credit transfer record corresponding to the second hash value.
Optionally, in one embodiment, the credit transfer event includes at least one of:
the fund management and control is aimed at credit paying events of the user;
a credit repayment event for the user for the funds management and control;
optionally, in one embodiment, the credit transfer record includes at least one of:
the fund management and control records credit release records aiming at the user;
the user pays records for the funds management and control.
Optionally, in one embodiment, the rights and obligations of the user and the funds management in relation to the credit transfer include at least one of:
the fund management and control is aimed at the credit line of the user;
A credit repayment period for the funds management and control by the user;
the user pays the amount for the lowest credit of the fund management and control;
and the fund management and control aims at the processing authority of overdue non-repayment of the user.
Optionally, in one embodiment, after the uploading unit 402 uploads the credit transfer record between the user and the funds management into a blockchain, the apparatus further includes:
a receiving unit 407 that receives credit transfer records between other funds management and the user;
a second upload unit 408 uploads credit transfer records between the other funds management and the user into the blockchain.
The blockchain-based credit transfer device 400 can implement the method of the method embodiments of fig. 1 to 2, and specifically, the blockchain-based credit transfer method of the embodiment shown in fig. 1 to 2 may be referred to, and will not be described again.
Fig. 5 is a schematic diagram of a block chain based credit card funds-transfer apparatus 500 provided herein. Referring to fig. 5, in one software implementation, a blockchain-based credit card funds transfer apparatus 500 may include an acquisition unit 501 and an upload unit 502, wherein:
An acquisition unit 501 that acquires a funds transfer record for a credit card between a user and a credit card issuer based on a funds transfer event for the credit card between the user and the credit card issuer; an electronic contract between the user and the credit card issuer for funds transfer rules for the credit card, the electronic contract including at least rights and obligations in funds transfer of the user with the credit card issuer with respect to the credit card;
an upload unit 502 that uploads a record of funds transfer for the credit card between the user and the credit card issuer into a blockchain;
wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
Optionally, in one embodiment, before the acquiring unit 501 acquires a record of funds transfer for the credit card between the user and the credit card issuer, the apparatus further comprises:
a first acquisition unit 503 that acquires a credit card opening record between the user and the credit card issuer based on a credit card opening event between the user and the credit card issuer;
a first upload unit 504 uploads a credit card opening record between the user and the credit card issuer into a blockchain.
Optionally, in one embodiment, the credit card record between the user and the credit card issuer includes at least one of:
a real-name authentication record of the user by the credit card issuer;
an electronic contract between the user and the credit card issuer for funds transfer of the credit card.
Optionally, in one embodiment, after the uploading unit 502 uploads a record of funds transfer for the credit card between the user and the credit card issuer into a blockchain, the apparatus further comprises:
the second obtaining unit 505 obtains and records a first hash value returned by the blockchain, where the first hash value is obtained by processing the blockchain based on the opening record of the credit card, and the first hash value is a storage identifier of the blockchain for storing the opening record of the credit card, so that a notarized node of the blockchain can query the opening record of the credit card corresponding to the first hash value.
Optionally, in one embodiment, after the uploading unit 502 uploads a record of funds transfer for the credit card between the user and the credit card issuer into a blockchain, the apparatus further comprises:
And a second obtaining unit 506, configured to obtain and record a second hash value returned by the blockchain, where the second hash value is obtained by processing the blockchain based on the funds transfer record of the credit card, and the second hash value is a storage identifier of the blockchain for storing the funds transfer record of the credit card, so that a notarized node of the blockchain can query the funds transfer record of the credit card corresponding to the second hash value.
Optionally, in one embodiment, the credit card funds transfer event includes at least one of:
the credit card issuer is directed to a credit release event of the user;
a credit repayment event for the user for the credit card issuer;
the funds-transfer record for the credit card includes at least one of:
a credit release record for the user by the credit card issuer;
the user pays a record of credit for the credit card issuer.
Optionally, in one embodiment, the rights and obligations in the funds transfer of the user with the credit card issuer with respect to the credit card include at least one of:
the credit card issuer being directed to a credit line of the user;
A credit repayment period for the user for the credit card issuer;
the user's minimum credit repayment amount for the credit card issuer;
the credit card issuer handles rights to the user's overdue non-repayment.
Optionally, in one embodiment, after the uploading unit 502 uploads a record of funds transfer for the credit card between the user and the credit card issuer into a blockchain, the apparatus further comprises:
a receiving unit 507 that receives a record of funds transfer for a credit card between the other credit card issuer and the user;
a second upload unit 508 uploads funds transfer records for credit cards between the other credit card issuers and the user into the blockchain.
The blockchain-based credit card funds transfer apparatus 500 is capable of implementing the method of the method embodiment of fig. 3, and in particular, reference may be made to the blockchain-based credit card funds transfer method of the embodiment of fig. 3, which is not described in detail.
Fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present disclosure. Referring to fig. 6, at the hardware level, the electronic device includes a processor, and optionally an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory (non-volatile Memory), such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.
The processor, network interface, and memory may be interconnected by an internal bus, which may be an ISA (Industry Standard Architecture ) bus, a PCI (Peripheral Component Interconnect, peripheral component interconnect standard) bus, or EISA (Extended Industry Standard Architecture ) bus, among others. The buses may be classified as address buses, data buses, control buses, etc. For ease of illustration, only one bi-directional arrow is shown in FIG. 6, but not only one bus or type of bus.
And the memory is used for storing programs. In particular, the program may include program code including computer-operating instructions. The memory may include memory and non-volatile storage and provide instructions and data to the processor.
The processor reads the corresponding computer program from the nonvolatile memory into the memory and then runs to form the credit transfer device based on the block chain on the logic level. The processor is used for executing the programs stored in the memory and is specifically used for executing the following operations:
based on a credit transfer event between a user and a funds management and control, acquiring a credit transfer record between the user and the funds management and control; an electronic contract is signed between the user and the funds management and control for the credit transfer, the electronic contract comprising at least rights and obligations of the user and the funds management and control with respect to the credit transfer;
Uploading a credit transfer record between the user and the funds management to a blockchain;
wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
The blockchain-based credit transfer method disclosed in the embodiments shown in fig. 1-2 of the present specification may be applied to or implemented by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or by instructions in the form of software. The processor may be a general-purpose processor, including a central processing unit (Central Processing Unit, CPU), a network processor (Network Processor, NP), etc.; but also digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), field programmable gate arrays (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components. The various methods, steps, and logic blocks disclosed in one or more embodiments of the present description may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with one or more embodiments of the present disclosure may be embodied directly in a hardware decoding processor or in a combination of hardware and software modules in a decoding processor. The software modules may be located in a random access memory, flash memory, read only memory, programmable read only memory, or electrically erasable programmable memory, registers, etc. as well known in the art. The storage medium is located in a memory, and the processor reads the information in the memory and, in combination with its hardware, performs the steps of the above method.
The electronic device may also execute the blockchain-based credit transfer method of fig. 1-2, and this description is not repeated here.
Of course, in addition to the software implementation, the electronic device in this specification does not exclude other implementations, such as a logic device or a combination of software and hardware, that is, the execution subject of the following process is not limited to each logic unit, but may also be hardware or a logic device.
Fig. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present disclosure. Referring to fig. 7, at the hardware level, the electronic device includes a processor, and optionally an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory (non-volatile Memory), such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.
The processor, network interface, and memory may be interconnected by an internal bus, which may be an ISA (Industry Standard Architecture ) bus, a PCI (Peripheral Component Interconnect, peripheral component interconnect standard) bus, or EISA (Extended Industry Standard Architecture ) bus, among others. The buses may be classified as address buses, data buses, control buses, etc. For ease of illustration, only one bi-directional arrow is shown in FIG. 7, but not only one bus or type of bus.
And the memory is used for storing programs. In particular, the program may include program code including computer-operating instructions. The memory may include memory and non-volatile storage and provide instructions and data to the processor.
The processor reads the corresponding computer program from the non-volatile memory into the memory and then runs to form the funds-transfer device of the blockchain-based credit card at the logic level. The processor is used for executing the programs stored in the memory and is specifically used for executing the following operations:
acquiring a funds transfer record for a credit card between a user and a credit card issuer based on a funds transfer event for the credit card between the user and the credit card issuer; an electronic contract between the user and the credit card issuer for funds transfer rules for the credit card, the electronic contract including at least rights and obligations of the user with the credit card issuer regarding funds transfer of the credit card;
uploading a record of funds transfer for the credit card between the user and the credit card issuer into a blockchain;
wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
The above-described blockchain-based credit card funds transfer method disclosed in the embodiment of fig. 3 of the present specification may be applied to or implemented by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or by instructions in the form of software. The processor may be a general-purpose processor, including a central processing unit (Central Processing Unit, CPU), a network processor (Network Processor, NP), etc.; but also digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), field programmable gate arrays (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components. The various methods, steps, and logic blocks disclosed in one or more embodiments of the present description may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with one or more embodiments of the present disclosure may be embodied directly in a hardware decoding processor or in a combination of hardware and software modules in a decoding processor. The software modules may be located in a random access memory, flash memory, read only memory, programmable read only memory, or electrically erasable programmable memory, registers, etc. as well known in the art. The storage medium is located in a memory, and the processor reads the information in the memory and, in combination with its hardware, performs the steps of the above method.
The electronic device may also perform the blockchain-based credit card funds transfer method of fig. 3, which is not described in detail herein.
Of course, in addition to the software implementation, the electronic device in this specification does not exclude other implementations, such as a logic device or a combination of software and hardware, that is, the execution subject of the following process is not limited to each logic unit, but may also be hardware or a logic device.
In summary, the foregoing description is only a preferred embodiment of the present invention and is not intended to limit the scope of the present invention. Any modification, equivalent replacement, improvement, or the like, which is within the spirit and principles of one or more embodiments of the present disclosure, is intended to be included within the scope of one or more embodiments of the present disclosure.
The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.
Claims (16)
1. A blockchain-based credit transfer method, applied to nodes of a blockchain, comprising:
based on a credit transfer event between a user and a funds management and control, acquiring a credit transfer record between the user and the funds management and control; an electronic contract is signed between the user and the funds management and control party for the credit transfer, the electronic contract is deployed in the blockchain, and the electronic contract at least comprises rights and obligations of the user and the funds management and control party in the credit transfer;
uploading a credit transfer record between the user and the funds management to a blockchain;
wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
2. The method of claim 1, prior to obtaining a record of credit transfer between the user and the funds management, the method further comprising:
Acquiring a credit transfer opening record between the user and the fund management and control based on a credit transfer opening event between the user and the fund management and control;
and uploading a credit transfer opening record between the user and the fund management and control into a blockchain.
3. The method of claim 2, wherein the credit transfer opening record between the user and the funds management includes at least one of:
the fund management and control records the real-name authentication of the user;
an electronic contract between the user and the funds management for the credit transfer.
4. The method of claim 2, after uploading a credit transfer opening record between the user and the funds management into a blockchain, the method further comprising:
and acquiring and recording a first hash value returned by the block chain, wherein the first hash value is obtained by processing the opening record of the credit transfer based on the block chain, and the first hash value is a storage identifier of the opening record of the credit transfer stored by the block chain, so that a notarized node of the block chain can inquire the opening record of the credit transfer corresponding to the first hash value.
5. The method of claim 1, after uploading a credit transfer record between the user and the funds management into a blockchain, the method further comprising:
and acquiring and recording a second hash value returned by the blockchain, wherein the second hash value is obtained by processing the blockchain based on the credit transfer record, and the second hash value is a storage identifier of the blockchain for storing the credit transfer record, so that a notarized node of the blockchain can inquire the credit transfer record corresponding to the second hash value.
6. The method of claim 1, the credit transfer event comprising at least one of:
the fund management and control is aimed at credit paying events of the user;
the user pays an event for credit to the funds management.
7. The method of claim 6, the credit transfer record comprising at least one of:
the fund management and control records credit release records aiming at the user;
the user pays records for the funds management and control.
8. The method of claim 1, wherein the rights and obligations of the user and the funds management in relation to the credit transfer include at least one of:
The fund management and control is aimed at the credit line of the user;
a credit repayment period for the funds management and control by the user;
the user pays the amount for the lowest credit of the fund management and control;
and the fund management and control aims at the processing authority of overdue non-repayment of the user.
9. The method of claim 1, after uploading a credit transfer record between the user and the funds management into a blockchain, the method further comprising:
receiving a credit transfer record between other funds management and the user;
and uploading a credit transfer record between the other funds management and the user into the blockchain.
10. A method of funds transfer for a blockchain-based credit card, applied to a blockchain node, comprising:
acquiring a funds transfer record for a credit card between a user and a credit card issuer based on a funds transfer event for the credit card between the user and the credit card issuer; an electronic contract between the user and the credit card issuer for funds transfer rules for the credit card, the electronic contract disposed in the blockchain, the electronic contract including at least rights and obligations of the user and the credit card issuer with respect to funds transfer of the credit card;
Uploading a record of funds transfer for the credit card between the user and the credit card issuer into a blockchain;
wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
11. A blockchain-based credit transfer device for a blockchain node, comprising:
an acquisition unit that acquires a credit transfer record between a user and a funds management and control based on a credit transfer event between the user and the funds management and control; an electronic contract is signed between the user and the funds management and control party for the credit transfer, the electronic contract is deployed in the blockchain, and the electronic contract at least comprises rights and obligations of the user and the funds management and control party in the credit transfer;
an uploading unit that uploads a credit transfer record between the user and the funds management and control into a blockchain;
wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
12. A blockchain-based credit card funds transfer apparatus for use in a blockchain node, comprising:
an acquisition unit that acquires a funds transfer record for a credit card between a user and a credit card issuer based on a funds transfer event for the credit card between the user and the credit card issuer; an electronic contract between the user and the credit card issuer for funds transfer rules for the credit card, the electronic contract disposed in the blockchain, the electronic contract including at least rights and obligations of the user and the credit card issuer with respect to funds transfer of the credit card;
An uploading unit that uploads a funds transfer record for the credit card between the user and the credit card issuer into a blockchain;
wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
13. An electronic device, the electronic device comprising:
a processor; and
a memory arranged to store computer executable instructions that, when executed, cause the processor to:
the node of the blockchain acquires a credit transfer record between a user and a fund management and control based on a credit transfer event between the user and the fund management and control; an electronic contract is signed between the user and the funds management and control party for the credit transfer, the electronic contract is deployed in the blockchain, and the electronic contract at least comprises rights and obligations of the user and the funds management and control party in the credit transfer;
a node of a blockchain uploads a credit transfer record between the user and the funds management and control into the blockchain;
wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
14. A computer-readable storage medium storing one or more programs that, when executed by an electronic device comprising a plurality of application programs, cause the electronic device to:
The node of the blockchain acquires a credit transfer record between a user and a fund management and control based on a credit transfer event between the user and the fund management and control; an electronic contract is signed between the user and the funds management and control party for the credit transfer, the electronic contract is deployed in the blockchain, and the electronic contract at least comprises rights and obligations of the user and the funds management and control party in the credit transfer;
a node of a blockchain uploads a credit transfer record between the user and the funds management and control into the blockchain;
wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
15. An electronic device, the electronic device comprising:
a processor; and
a memory arranged to store computer executable instructions that, when executed, cause the processor to:
the node of the blockchain obtains a funds transfer record for a credit card between a user and a credit card issuer based on a funds transfer event for the credit card between the user and the credit card issuer; an electronic contract between the user and the credit card issuer for funds transfer rules for the credit card, the electronic contract disposed in the blockchain, the electronic contract including at least rights and obligations of the user and the credit card issuer with respect to funds transfer of the credit card;
A node of a blockchain uploads a record of funds transfer for the credit card between the user and the credit card issuer into the blockchain;
wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
16. A computer-readable storage medium storing one or more programs that, when executed by an electronic device comprising a plurality of application programs, cause the electronic device to:
the node of the blockchain obtains a funds transfer record for a credit card between a user and a credit card issuer based on a funds transfer event for the credit card between the user and the credit card issuer; an electronic contract between the user and the credit card issuer for funds transfer rules for the credit card, the electronic contract disposed in the blockchain, the electronic contract including at least rights and obligations in funds transfer of the user with the credit card issuer with respect to the credit card;
a node of a blockchain uploads a record of funds transfer for the credit card between the user and the credit card issuer into the blockchain;
Wherein the blockchain is used to confirm that data stored in the blockchain is trusted.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910329115.8A CN110175831B (en) | 2019-04-23 | 2019-04-23 | Credit transfer method and device based on blockchain and electronic equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910329115.8A CN110175831B (en) | 2019-04-23 | 2019-04-23 | Credit transfer method and device based on blockchain and electronic equipment |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN110175831A CN110175831A (en) | 2019-08-27 |
| CN110175831B true CN110175831B (en) | 2023-09-29 |
Family
ID=67689901
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910329115.8A Active CN110175831B (en) | 2019-04-23 | 2019-04-23 | Credit transfer method and device based on blockchain and electronic equipment |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110175831B (en) |
Families Citing this family (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 |
Citations (27)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101122986A (en) * | 2006-08-08 | 2008-02-13 | 阿里巴巴公司 | Method and system for implementing debit and credit by network |
| US8458093B1 (en) * | 2009-06-19 | 2013-06-04 | United Services Automobile Association (Usaa) | Systems and methods of transferring credit card charge to line of credit |
| CN104580253A (en) * | 2015-01-30 | 2015-04-29 | 网易（杭州）网络有限公司 | Method and device for processing user data |
| WO2017012005A1 (en) * | 2015-07-21 | 2017-01-26 | 深圳市银信网银科技有限公司 | Money management server, and data processing method and system for issuing inter-bank electronic certificate |
| CN106682983A (en) * | 2016-12-29 | 2017-05-17 | 深圳市喜悦智慧实验室有限公司 | Loan management system and method base on smart contract |
| CN106960165A (en) * | 2017-03-13 | 2017-07-18 | 广东网金控股股份有限公司 | It is a kind of that the method that electronic contract is conutersigned in many ways is realized based on the intelligent contract of block chain |
| CN107146152A (en) * | 2017-03-28 | 2017-09-08 | 杭州象链网络技术有限公司 | A kind of credit management system kept accounts based on block chain |
| CN107301536A (en) * | 2017-06-12 | 2017-10-27 | 腾讯科技（深圳）有限公司 | Resource transfers method and device |
| CN107767265A (en) * | 2017-11-07 | 2018-03-06 | 中积有限公司 | A kind of data sharing method and server |
| CN108009441A (en) * | 2017-11-23 | 2018-05-08 | 阿里巴巴集团控股有限公司 | Resource transfers and the method and apparatus of fund transfer |
| CN108364232A (en) * | 2018-03-31 | 2018-08-03 | 成都主题智链信息技术有限公司 | A kind of signature of electronics contract and implementation and supervision system based on block chain technology |
| CN108399567A (en) * | 2018-03-02 | 2018-08-14 | 数字乾元科技有限公司 | Block chain borrows or lends money method and system |
| CN108615195A (en) * | 2018-04-28 | 2018-10-02 | 腾讯科技（深圳）有限公司 | Transmission method and device, storage medium, the electronic device of resource transfers information |
| US10095888B1 (en) * | 2018-06-04 | 2018-10-09 | Capital One Services, Llc | Secure decentralized system utilizing smart contracts, a blockchain, and/or a distributed file system |
| CN108667632A (en) * | 2018-04-19 | 2018-10-16 | 阿里巴巴集团控股有限公司 | Based on the credit record sharing method and device of block chain, electronic equipment |
| CN109034795A (en) * | 2018-06-11 | 2018-12-18 | 广东易上云计算机服务股份有限公司 | A kind of credit based on block chain is bartered platform |
| CN109035029A (en) * | 2018-07-27 | 2018-12-18 | 阿里巴巴集团控股有限公司 | Based on the assets transfer method and device of block chain, electronic equipment |
| CN109102299A (en) * | 2018-08-01 | 2018-12-28 | 腾讯科技（深圳）有限公司 | Resource transfers data managing method, device and storage medium |
| WO2019019087A1 (en) * | 2017-07-27 | 2019-01-31 | 杭州复杂美科技有限公司 | Block chain credit loan matching system |
| CN109325852A (en) * | 2018-10-25 | 2019-02-12 | 平安科技（深圳）有限公司 | Loan data processing method, device, equipment and storage medium based on block chain |
| CN109325662A (en) * | 2018-08-27 | 2019-02-12 | 杭州嘉楠耘智信息科技有限公司 | Credit recording method and system based on block chain |
| CN109360088A (en) * | 2018-11-13 | 2019-02-19 | 平安科技（深圳）有限公司 | Processing method, device and the computer equipment of loan transaction |
| CN109409882A (en) * | 2018-10-18 | 2019-03-01 | 中国联合网络通信集团有限公司 | A kind of credit accreditation storage method and device based on block chain |
| CN109523375A (en) * | 2017-09-20 | 2019-03-26 | 成都高新信息技术研究院 | A kind of decentralization transaction in assets method and system |
| CN109582673A (en) * | 2018-11-28 | 2019-04-05 | 阿里巴巴集团控股有限公司 | A kind of recording method, device and the electronic equipment of resource transfers event |
| CN109598504A (en) * | 2018-10-25 | 2019-04-09 | 阿里巴巴集团控股有限公司 | Transaction processing method and device, electronic equipment based on block chain |
| CN109614438A (en) * | 2018-10-24 | 2019-04-12 | 阿里巴巴集团控股有限公司 | A kind of Claims Resolution method and apparatus based on block chain |
Family Cites Families (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20170330159A1 (en) * | 2016-05-13 | 2017-11-16 | Bank Of America Corporation | Resource allocation and transfer in a distributed network |
| US20180218176A1 (en) * | 2017-01-30 | 2018-08-02 | SALT Lending Holdings, Inc. | System and method of creating an asset based automated secure agreement |
-
2019
- 2019-04-23 CN CN201910329115.8A patent/CN110175831B/en active Active
Patent Citations (27)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101122986A (en) * | 2006-08-08 | 2008-02-13 | 阿里巴巴公司 | Method and system for implementing debit and credit by network |
| US8458093B1 (en) * | 2009-06-19 | 2013-06-04 | United Services Automobile Association (Usaa) | Systems and methods of transferring credit card charge to line of credit |
| CN104580253A (en) * | 2015-01-30 | 2015-04-29 | 网易（杭州）网络有限公司 | Method and device for processing user data |
| WO2017012005A1 (en) * | 2015-07-21 | 2017-01-26 | 深圳市银信网银科技有限公司 | Money management server, and data processing method and system for issuing inter-bank electronic certificate |
| CN106682983A (en) * | 2016-12-29 | 2017-05-17 | 深圳市喜悦智慧实验室有限公司 | Loan management system and method base on smart contract |
| CN106960165A (en) * | 2017-03-13 | 2017-07-18 | 广东网金控股股份有限公司 | It is a kind of that the method that electronic contract is conutersigned in many ways is realized based on the intelligent contract of block chain |
| CN107146152A (en) * | 2017-03-28 | 2017-09-08 | 杭州象链网络技术有限公司 | A kind of credit management system kept accounts based on block chain |
| CN107301536A (en) * | 2017-06-12 | 2017-10-27 | 腾讯科技（深圳）有限公司 | Resource transfers method and device |
| WO2019019087A1 (en) * | 2017-07-27 | 2019-01-31 | 杭州复杂美科技有限公司 | Block chain credit loan matching system |
| CN109523375A (en) * | 2017-09-20 | 2019-03-26 | 成都高新信息技术研究院 | A kind of decentralization transaction in assets method and system |
| CN107767265A (en) * | 2017-11-07 | 2018-03-06 | 中积有限公司 | A kind of data sharing method and server |
| CN108009441A (en) * | 2017-11-23 | 2018-05-08 | 阿里巴巴集团控股有限公司 | Resource transfers and the method and apparatus of fund transfer |
| CN108399567A (en) * | 2018-03-02 | 2018-08-14 | 数字乾元科技有限公司 | Block chain borrows or lends money method and system |
| CN108364232A (en) * | 2018-03-31 | 2018-08-03 | 成都主题智链信息技术有限公司 | A kind of signature of electronics contract and implementation and supervision system based on block chain technology |
| CN108667632A (en) * | 2018-04-19 | 2018-10-16 | 阿里巴巴集团控股有限公司 | Based on the credit record sharing method and device of block chain, electronic equipment |
| CN108615195A (en) * | 2018-04-28 | 2018-10-02 | 腾讯科技（深圳）有限公司 | Transmission method and device, storage medium, the electronic device of resource transfers information |
| US10095888B1 (en) * | 2018-06-04 | 2018-10-09 | Capital One Services, Llc | Secure decentralized system utilizing smart contracts, a blockchain, and/or a distributed file system |
| CN109034795A (en) * | 2018-06-11 | 2018-12-18 | 广东易上云计算机服务股份有限公司 | A kind of credit based on block chain is bartered platform |
| CN109035029A (en) * | 2018-07-27 | 2018-12-18 | 阿里巴巴集团控股有限公司 | Based on the assets transfer method and device of block chain, electronic equipment |
| CN109102299A (en) * | 2018-08-01 | 2018-12-28 | 腾讯科技（深圳）有限公司 | Resource transfers data managing method, device and storage medium |
| CN109325662A (en) * | 2018-08-27 | 2019-02-12 | 杭州嘉楠耘智信息科技有限公司 | Credit recording method and system based on block chain |
| CN109409882A (en) * | 2018-10-18 | 2019-03-01 | 中国联合网络通信集团有限公司 | A kind of credit accreditation storage method and device based on block chain |
| CN109614438A (en) * | 2018-10-24 | 2019-04-12 | 阿里巴巴集团控股有限公司 | A kind of Claims Resolution method and apparatus based on block chain |
| CN109325852A (en) * | 2018-10-25 | 2019-02-12 | 平安科技（深圳）有限公司 | Loan data processing method, device, equipment and storage medium based on block chain |
| CN109598504A (en) * | 2018-10-25 | 2019-04-09 | 阿里巴巴集团控股有限公司 | Transaction processing method and device, electronic equipment based on block chain |
| CN109360088A (en) * | 2018-11-13 | 2019-02-19 | 平安科技（深圳）有限公司 | Processing method, device and the computer equipment of loan transaction |
| CN109582673A (en) * | 2018-11-28 | 2019-04-05 | 阿里巴巴集团控股有限公司 | A kind of recording method, device and the electronic equipment of resource transfers event |
Also Published As
| Publication number | Publication date |
|---|---|
| CN110175831A (en) | 2019-08-27 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN109697204B (en) | Data auditing method and device | |
| CN108009441B (en) | Method and apparatus for resource transfer and funds transfer | |
| CN108256999B (en) | Capital transfer method and device and electronic equipment | |
| CN106780025B (en) | Method, device and system for transferring digital assets in block chain | |
| CN112258178B (en) | Binding method of payment card, trust evaluation method, device and electronic equipment | |
| CN108665946A (en) | A kind of access method and device of business datum | |
| EP3819850A1 (en) | Method and device for data processing based on blockchain | |
| CN111444209B (en) | Data processing method, device, equipment and medium based on block chain | |
| WO2020088130A1 (en) | Blockchain-based property execution method and system | |
| CN110992162A (en) | Resource processing method, device, equipment and system | |
| CN112561407B (en) | Asset management method, system and device based on block chain | |
| CN110046785A (en) | A kind of method for processing business, equipment and its electronic equipment | |
| TW202020767A (en) | Recording and inquiring method, device and electronic device for bill installment event | |
| CN109146658A (en) | A kind of accounting method, device, system and electronic equipment | |
| CN110175831B (en) | Credit transfer method and device based on blockchain and electronic equipment | |
| CN110766340A (en) | Business auditing method, device and equipment | |
| CN111917828A (en) | Service processing method and system based on alliance chain | |
| CN109409875B (en) | Bill checking method and device and electronic equipment | |
| CN110807698A (en) | Block chain general certificate borrowing and lending application method and system | |
| CN115099926A (en) | Credit data analysis method, credit data sharing device and credit data sharing equipment based on block chain | |
| CN110659904B (en) | Block chain-based risk data service method and device and electronic equipment | |
| CN107528822A (en) | A kind of business performs method and device | |
| CN111401870A (en) | ETC payment sorting method and device based on block chain and electronic equipment | |
| EP3541039A1 (en) | Method and apparatus for accessing controlled data | |
| CN110009348A (en) | A kind of allograph method, system and the electronic equipment of block chain |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| REG | Reference to a national code |
Ref country code: HK Ref legal event code: DE Ref document number: 40013140 Country of ref document: HK |
|
| TA01 | Transfer of patent application right |
Effective date of registration: 20200923 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman, British Islands Applicant after: Innovative advanced technology Co.,Ltd. Address before: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman, British Islands Applicant before: Advanced innovation technology Co.,Ltd. Effective date of registration: 20200923 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman, British Islands Applicant after: Advanced innovation technology Co.,Ltd. Address before: A four-storey 847 mailbox in Grand Cayman Capital Building, British Cayman Islands Applicant before: Alibaba Group Holding Ltd. |
|
| TA01 | Transfer of patent application right | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |