CN110610367B - Transaction data payment method and device, electronic equipment and server - Google Patents
Transaction data payment method and device, electronic equipment and server Download PDFInfo
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- CN110610367B CN110610367B CN201910812993.5A CN201910812993A CN110610367B CN 110610367 B CN110610367 B CN 110610367B CN 201910812993 A CN201910812993 A CN 201910812993A CN 110610367 B CN110610367 B CN 110610367B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
Abstract
The application discloses a transaction data payment method and device, electronic equipment and a server, wherein the method comprises the following steps: when a trade order is detected, the identity information of a user is input; determining that the user is a registered user according to the identity information, and determining that an account of the user has payment capability for the first transaction order; generating an intelligent contract according to the transaction order, and sending the intelligent contract to the server, wherein the intelligent contract is used for the server to record and confirm the first transaction order and send the intelligent contract after record and confirm to the electronic equipment; receiving the intelligent contract after recording confirmation, and detecting the payment condition of the transaction order within a first time period according to the intelligent contract after recording confirmation; and processing the account of the user according to the payment condition, so that the cashless payment behavior of the user is satisfied, and the convenience and the safety of transaction data payment are improved.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to a transaction data payment method and apparatus, an electronic device, and a server.
Background
With the increasing convenience of cashless payment life, people are increasingly accustomed to paying small fees generated by daily travel, shopping, diet and the like through mobile devices such as mobile phones and the like.
The mobile device accesses the wireless mobile communication network to finish real-time online small-amount fee payment. However, people browse a large amount of mobile media information and participate in various online entertainment through the mobile device, so that the electric quantity of the mobile device is consumed too quickly, and the consumption of the electric quantity causes that people cannot complete cashless payment behaviors through the mobile device.
Disclosure of Invention
How to meet the cashless payment needs of users without carrying mobile devices and cash or mobile device power exhaustion becomes a matter of great concern. In order to solve the problems, the embodiment of the application provides a transaction data payment method, a transaction data payment device and electronic equipment, so that convenience, safety and sustainability of transaction data payment are expected to be improved.
In a first aspect, an embodiment of the present application provides a transaction data payment method, which is applied to an electronic device, where the electronic device establishes communication with a server; the method comprises the following steps:
When a payment request for a first trade order is detected, the identity information of a first user is input;
determining that the first user is a registered user according to the identity information of the first user, and determining that an account of the first user has payment capability for the first transaction order;
generating an intelligent contract according to the first transaction order, and sending the intelligent contract to the server, wherein the intelligent contract is used for recording and confirming the first transaction order by the server and sending the intelligent contract after recording and confirming to the electronic equipment;
receiving the intelligent contract after recording confirmation, and detecting the payment condition of the first transaction order within a first time period according to the intelligent contract after recording confirmation;
and processing the account of the first user according to the payment condition.
In a second aspect, an embodiment of the present application provides a transaction data payment method, applied to a server, where an electronic device establishes communication with the server; the method comprises the following steps:
receiving a smart contract from the electronic device, the smart contract generated by the electronic device by: when a payment request for a first trade order is detected, the identity information of a first user is input; determining that the first user is a registered user according to the identity information of the first user, and determining that an account of the first user has payment capability for the first transaction order; and generating an intelligent contract from the first trade order;
Recording and confirming the intelligent contract;
sending the intelligent contract after recording confirmation to the electronic equipment, wherein the intelligent contract after recording confirmation is used for the electronic equipment to execute the following operations: detecting a payment of the first trade order during a first time period; and processing the account of the first user according to the payment condition.
In a third aspect, an embodiment of the present application provides a transaction data payment device, which is applied to an electronic device, where the electronic device establishes communication with a server; the apparatus comprises a processing unit and a communication unit, wherein,
the processing unit is used for inputting the identity information of the first user when detecting the payment request for the first transaction order; and determining that the first user is a registered user according to the identity information of the first user, and determining that an account of the first user has payment capability for the first transaction order; the intelligent contract is used for recording and confirming the first transaction order by the server and sending the intelligent contract after recording and confirming to the electronic equipment; and the intelligent contract after recording confirmation is received through the communication unit, and the payment condition of the first transaction order is detected within a first time period according to the intelligent contract after recording confirmation; and processing an account of the first user according to the payment condition.
In a fourth aspect, an embodiment of the present application provides a transaction data payment device, applied to a server, where an electronic device establishes communication with the server; the apparatus comprises a processing unit and a communication unit, wherein,
the processing unit is configured to receive, by the communication unit, a smart contract from the electronic device, the smart contract being generated by the electronic device by: when a payment request for a first trade order is detected, the identity information of a first user is input; determining that the first user is a registered user according to the identity information of the first user, and determining that an account of the first user has payment capability for the first transaction order; and generating an intelligent contract from the first trade order; for performing record validation on the smart contract; and the intelligent contract after recording confirmation is sent to the electronic equipment through the communication unit, and the intelligent contract after recording confirmation is used for the electronic equipment to execute the following operations: detecting a payment of the first trade order during a first time period; and processing an account of the first user according to the payment condition.
In a fifth aspect, an embodiment of the present application provides an electronic device, including a processor, a memory, a communication interface, and one or more programs, where the one or more programs are stored in the memory and configured to be executed by the processor, the programs including instructions for performing steps in any of the methods of the first and second aspects of the embodiments of the present application.
In a sixth aspect, embodiments of the present application provide a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program for electronic data exchange, wherein the computer program causes a computer to execute some or all of the steps as described in any one of the methods of the first and second aspects of the embodiments of the present application.
In a seventh aspect, embodiments of the present application provide a computer program product, wherein the computer program product comprises a non-transitory computer readable storage medium storing a computer program operable to cause a computer to perform part or all of the steps described in any of the methods of the first and second aspects of the embodiments of the present application. The computer program product may be a software installation package.
It can be seen that the transaction data payment method and device described in the embodiments of the present application are applied to electronic devices, where the electronic devices establish communication with a server to meet the cashless payment requirement of users without carrying mobile devices and consuming electricity of cash or mobile devices, so that benefits of merchants can be ensured, and convenience, safety and sustainability of transaction data payment can be improved.
Drawings
In order to more clearly illustrate the embodiments of the application or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the application, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is an exemplary architecture diagram of a transaction data payment method provided by an embodiment of the present application;
FIG. 2a is a schematic flow chart of a transaction data payment method according to an embodiment of the present application;
FIG. 2b is a schematic diagram of a possible blockchain server record validated smart contracts according to an embodiment of the present application;
FIG. 3 is a flow chart of another transaction data payment method according to an embodiment of the present application;
fig. 4 is a schematic structural diagram of an electronic device according to an embodiment of the present application;
FIG. 5 is a block diagram showing the functional units of a transaction data payment device according to an embodiment of the present application;
fig. 6 is a functional unit composition block diagram of a transaction data payment device according to an embodiment of the present application.
Detailed Description
In order that those skilled in the art will better understand the present application, a technical solution in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in which it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. 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 terms first, second and the like in the description and in the claims and in the above-described figures are used for distinguishing between different objects and not necessarily for describing a sequential or chronological order. Furthermore, the terms "comprise" and "have," as well as any variations thereof, are intended to cover a non-exclusive inclusion. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those listed steps or elements but may include other steps or elements not listed or inherent to such process, method, article, or apparatus.
Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment may be included in at least one embodiment of the application. The appearances of such phrases in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. Those of skill in the art will explicitly and implicitly appreciate that the embodiments described herein may be combined with other embodiments.
Embodiments of the present application are described in detail below.
Referring to fig. 1, fig. 1 is an exemplary architecture diagram of a transaction data payment method according to an embodiment of the present application. After submitting a trade order, a user inputs identity information through electronic equipment, the electronic equipment is connected with a server, trade data of the trade order are sent to the server, and meanwhile, user information, merchant information and intelligent contracts after recording confirmation are stored in the server. For cashless payment activities without carrying a mobile device and cash or a mobile device running out of power, a user may complete cashless payment to a merchant through the electronic device.
Specifically, the server of the present application includes, but is not limited to, a conventional centralized server, and may also be a decentralized blockchain server; the blockchain server is characterized by decentralization and transparent disclosure, each blockchain server node can participate in database records, identity, authenticity and forced read/write access authority are proved by using cryptography and digital signatures, history records are hard to change by a mechanism, and people can easily detect that someone tries to change the record.
Specifically, the electronic device of the present application may be an electronic device with communication capability, and may also include various handheld devices, vehicle-mounted devices, wearable devices, computing devices, or other processing devices connected to a wireless modem, and various forms of intelligent terminal devices (intelligent terminal device), and so on.
Referring specifically to fig. 2a, fig. 2a is a schematic flow chart of a transaction data method according to an embodiment of the present application, which is applied to the electronic device, and the electronic device establishes communication with the server; the method comprises the following steps:
s201, when a payment request for a first transaction order is detected, the identity information of a first user is input.
In a specific implementation, an electronic device provided by a merchant checks a payment request of a transaction order generated by a user, and the electronic device inputs identity information of the user and comprises a user fingerprint.
Optionally, the electronic device inputs the identity information of the user to include an image or video stream of the face of the user.
S202, determining that the first user is a registered user according to the identity information of the first user, and determining that an account of the first user has payment capability for the first transaction order.
S203, generating an intelligent contract according to the first transaction order, and sending the intelligent contract to the server, wherein the intelligent contract is used for recording and confirming the first transaction order by the server and sending the intelligent contract after recording and confirming to the electronic equipment.
For example, FIG. 2b is a schematic diagram of a possible blockchain server record validated smart contracts according to an embodiment of the present application. The intelligent contracts after record confirmation are recorded in the blocks, each block is connected through the time stamp, the root of the current block and the root of the previous block to form a block chain, and the intelligent contracts after record confirmation are prevented from being tampered and being true.
Optionally, the smart contract may be generated according to the first trade order by: first, the electronic device sets a time period for the account address of the first user to pay for the first trade order trade. The electronic device then encrypts the first trade order using a preset encryption algorithm. Finally, the electronic device compiles the time limit and the encrypted first transaction order through a solubility assembly language, and the intelligent contract is generated. By setting the time period for the first user to pay for the first trade order, the benefit of the merchant can be effectively ensured. Meanwhile, the first transaction order which is uplink to the blockchain server is encrypted, so that the first transaction order can be effectively prevented from being tampered and truly ensured, and the security of transaction data payment is improved.
Optionally, before sending the intelligent contract to the blockchain server, the electronic device may sign the intelligent contract with a signing algorithm by using an account address of a merchant and an account address of the first user, and upload the signed intelligent contract to the blockchain server. And after the blockchain server confirms the signed intelligent contract by using the recorded account address of the merchant and the account address of the first user, acquiring the intelligent contract after confirmation of the server record. It can be seen that the blockchain server verifies the authenticity of the merchant account address and the user account address by signing the smart contract. Meanwhile, the intelligent contract after recording confirmation has the advantages of being not tampered and being true, so that the safety of transaction data payment is improved.
S204, receiving the intelligent contract after recording confirmation, and detecting the payment condition of the first transaction order within a first time period according to the intelligent contract after recording confirmation.
S205, processing the account of the first user according to the payment condition.
It can be seen that the transaction data payment method depicted in the embodiment of the application is applied to electronic equipment, and the electronic equipment establishes communication with a server so as to meet the cashless payment requirement of a user under the condition that the mobile equipment is not carried and cash or the electric quantity of the mobile equipment is exhausted, thereby ensuring the benefit of merchants and improving the convenience, safety and sustainability of transaction data payment.
In one possible example, the determining that the first user is a registered user according to the identity information of the first user, and determining that the account of the first user has payment capability for the first transaction order includes: the identity information of the first user is sent to the server, and is used for carrying out identity verification on the first user by the server, and an identity verification result is sent to the electronic equipment; receiving the identity verification result from the server, and determining that the first user is a registered user when the identity verification result is legal; establishing a confirmation request of the first transaction order and the account address of the first user, sending the confirmation request to the server, wherein the confirmation request is used for confirming that the account of the first user has the payment capability for the first transaction order according to the rest of transaction information of the first user by the server, and sending a confirmation result to the electronic equipment; and receiving the confirmation result from the server.
Optionally, the electronic device inputs the identity information of the first user to include a user fingerprint, extracts fingerprint feature parameters in the user fingerprint by using a fingerprint identification technology, and then sends the fingerprint feature parameters to the server. And the verification node in the server matches the fingerprint characteristic parameters according to the fingerprint information of each user recorded in the fingerprint information base to obtain matching parameter values. If the matching parameter value is larger than a first preset threshold value, the verification result of the user fingerprint is legal, and the verification result is sent to the electronic equipment; if the matching parameter value is smaller than a first preset threshold value, the verification result of the user fingerprint is illegal, and the verification result is sent to the electronic equipment.
Optionally, the electronic device inputs the identity information of the first user to include an image or a video stream of a face of the user, extracts face feature parameters in the image or the video stream of the face of the user by using a face recognition technology, and then sends the face feature parameters to the server. The subsequent authentication process is described above and will not be described in detail.
It can be seen that, before confirming that the account of the first user has the payment capability for the first transaction order, the electronic device performs identity verification on the identity information of the first user, so that the accuracy and the security of transaction data payment of the user under the condition that the user does not carry mobile equipment and cash or the mobile equipment is exhausted. Meanwhile, the security of transaction data payment can be ensured by confirming that the account of the first user has the payment capability for the first transaction order.
In one possible example, the first trade order includes a first amount of trade data to be paid; the confirmation request is used for executing the following steps: the server traverses the rest of transaction information of the first user to obtain account balance of the first user; and if the first quantity of transaction data to be paid is smaller than the account balance of the first user, obtaining a confirmation result that the account of the first user has the payment capability for the first transaction order.
Optionally, if the first amount of transaction data to be paid is greater than the account balance of the first user, the transaction confirmation of the user payment request fails, and a confirmation result that the account of the first user does not have the payment capability for the first transaction order is obtained.
It can be seen that by confirming the association relationship between the account of the first user and the account balance of the first user, the payment capability of the account of the first user is timely judged, so that the benefit of a merchant can be effectively ensured, and the safety of transaction data payment can be improved.
In one possible example, the confirmation request is used to perform the steps of: the server traverses the rest transaction information of the first user to obtain the rest transaction data of the second quantity and the rest objects of the third quantity of the first user to be paid; and if the second number of remaining to-be-paid transaction data is smaller than a second preset threshold value and the third number of remaining to-be-paid objects is smaller than a third preset threshold value, obtaining a confirmation result that the account of the first user has the payment capability for the first transaction order.
For example, the server traverses the rest of the transaction information of the user a to obtain that the rest of the transaction amount to be paid of the user a is 5000 yuan and the rest of the objects to be paid are merchant C, merchant D and merchant E. If the second preset threshold is 8000 yuan and the third preset threshold is 5, then the account of user A has payment capabilities to pay for the transaction order of merchant B.
Optionally, if the second number of remaining to-be-paid transaction data of the first user is greater than a second preset threshold or the third number of remaining to-be-paid objects is greater than a third preset threshold, a confirmation result is obtained that the account of the first user does not have the payment capability for the first transaction order.
It can be seen that by confirming the account of the first user, the rest of transaction data to be paid and the rest of objects to be paid of the first user, the payment capability of the account of the first user is timely judged, so that the benefit of a merchant can be effectively ensured, and the payment safety of the transaction data can be improved.
In one possible example, the processing the account of the first user according to the payment condition includes: if the second time period of the account payment of the first user is smaller than the first time period, adding the account of the first user into a member list; and/or if the account of the first user does not pay the first trade order within the first time period, notifying the account of the first user to pay the first trade order within a third time period, wherein the third time period is greater than the first time period; and/or if the account of the first user does not pay the first transaction order within the third time period, adding the account of the first user to a blacklist.
It can be seen that the account of the first user is processed according to the payment condition of the first user, which is favorable for the merchant to rewards and punish the payment behavior of the user, and is also favorable for the user to pay attention to the payment behavior of the user, so as to improve the sustainability and reliability of transaction data payment.
The embodiment described in fig. 2a above describes the execution steps of the transaction data payment method from the electronic device side, and the following description will be made from the multi-side interaction between the electronic device and the server, referring to fig. 3.
FIG. 3 is a flow chart of another transaction data payment method according to an embodiment of the present application, which is applied to an electronic device, and the electronic device establishes communication with a server; the method comprises the following steps:
s301, when a payment request for a first transaction order is detected, the identity information of a first user is input, and the identity information of the first user is sent to a server.
Specifically, the electronic equipment inputs the identity information of the first user to include a user fingerprint, extracts fingerprint characteristic parameters in the user fingerprint by utilizing a fingerprint identification technology, and then sends the fingerprint characteristic parameters to the server.
Optionally, the electronic device inputs the identity information of the first user to include an image or a video stream of a face of the user, extracts face feature parameters in the image or the video stream of the face of the user by using a face recognition technology, and then sends the face feature parameters to the server.
S302, receiving the identity information of the first user, carrying out identity confirmation on the identity information of the first user, and sending an identity verification result to the electronic equipment.
Specifically, the server matches the fingerprint characteristic parameters sent by the electronic device according to the fingerprint information of each user recorded in the fingerprint information base, and obtains matching parameter values. If the matching parameter value is larger than a first preset threshold value, the verification result of the user fingerprint is legal, and the verification result is sent to the electronic equipment; if the matching parameter value is smaller than a first preset threshold value, the verification result of the user fingerprint is illegal, and the verification result is sent to the electronic equipment.
S303, receiving the identity verification result, and determining that the first user is a registered user when the identity verification result is legal.
S304, sending a request to the server to determine that the account of the first user has payment capability for the first transaction order.
S305, receiving the request, traversing the rest of transaction information of the first user to confirm that the account of the first user has the payment capability for the first transaction order, and sending a confirmation result to the electronic equipment.
Specifically, the server traverses the rest of transaction information of the first user to obtain account balance of the first user; and if the first quantity of transaction data to be paid is smaller than the account balance of the first user, obtaining a confirmation result that the account of the first user has the payment capability for the first transaction order.
Optionally, the server traverses the rest of transaction information of the first user to obtain a second number of rest of transaction data to be paid and a third number of rest of objects to be paid of the first user; and if the second number of remaining to-be-paid transaction data is smaller than a second preset threshold value and the third number of remaining to-be-paid objects is smaller than a third preset threshold value, obtaining a confirmation result that the account of the first user has the payment capability for the first transaction order.
S306, receiving the confirmation result to generate an intelligent contract according to the payment request of the first transaction order, and sending the intelligent contract to the blockchain node.
S307, the intelligent contract is received, recording confirmation is carried out on the intelligent contract, and the intelligent contract after recording confirmation is sent to the electronic equipment.
S308, receiving the intelligent contract after recording confirmation, and detecting the payment condition of the first transaction order within a first time period according to the intelligent contract after recording confirmation.
S309, processing the account of the first user according to the payment condition.
Wherein processing the account of the first user according to the payment condition comprises: if the second time period of the account payment of the first user is smaller than the first time period, adding the account of the first user into a member list; and/or if the account of the first user does not pay the first trade order within the first time period, notifying the account of the first user to pay the first trade order within a third time period, wherein the third time period is greater than the first time period; and/or if the account of the first user does not pay the first transaction order within the third time period, adding the account of the first user to a blacklist.
For example, the blockchain ledger in the blockchain server records user information and fingerprint information for each registered user, while merchant information for each registered merchant is recorded thereon. After the user A purchases the article from the unmanned store operated by the merchant B, a payment request of a transaction order is generated, wherein the payment request of the transaction order comprises X elements, and fingerprint information of the user A is input into fingerprint equipment provided by the merchant B. The fingerprint equipment inputs the fingerprint information, extracts fingerprint characteristic parameters in the fingerprint information by utilizing a fingerprint identification technology, and then sends the fingerprint characteristic parameters to the blockchain server. The blockchain server traverses fingerprint information of each registered user in the blockchain ledger to verify the fingerprint information of the user A, and sends a verification result to the fingerprint equipment. And when the fingerprint equipment receives the verification result as legal, determining that the user A is a registered user, and sending a request for determining that the user A has the payment capability for X-element to the blockchain server. And after receiving the request, the blockchain server searches the rest transaction information of the user A to obtain that the account balance of the user A is Y. If the X element is larger than the Y element, generating a confirmation failure result that the user A does not have the payment capability, and sending the confirmation result to the fingerprint equipment; and if the X element is smaller than the Y element, generating a confirmation result with payment capability of the user A, and transmitting the successful confirmation result to the fingerprint equipment. And after receiving the successful confirmation result, the fingerprint equipment generates an intelligent contract according to the payment request of the transaction order and sends the intelligent contract to the blockchain server. And the blockchain server receives the intelligent contract, records and confirms the intelligent contract in a blockchain account book, and then sends the intelligent contract after record confirmation to the fingerprint equipment. And after receiving the intelligent contract with the record confirmation, the fingerprint equipment detects the time of the payment order as T according to the intelligent contract with the record confirmation, and if the time K of the payment order paid by the account of the user A is smaller than T, the user A is added into a member list of the merchant.
It can be seen that the transaction data payment method depicted in the embodiment of the application is applied to electronic equipment, and the electronic equipment establishes communication with a server so as to meet cashless payment behaviors of users under the condition that the users do not carry mobile equipment and cash or the electric quantity of the mobile equipment is exhausted, thereby ensuring benefits of merchants and improving convenience, safety and sustainability of transaction data payment.
Referring to fig. 4, in accordance with the embodiment shown in fig. 2a, fig. 4 is a schematic structural diagram of an electronic device 400 according to an embodiment of the present application, the electronic device 400 includes an application processor 410, a memory 420, a communication interface 430, and one or more programs 421, where the one or more programs 421 are stored in the memory 420 and are configured to be executed by the application processor 410, the electronic device establishes communication with the server, and the one or more programs 421 include instructions for performing the following steps: when a payment request for a first trade order is detected, the identity information of a first user is input; determining that the first user is a registered user according to the identity information of the first user, and determining that an account of the first user has payment capability for the first transaction order; generating an intelligent contract according to the first transaction order, and sending the intelligent contract to the server, wherein the intelligent contract is used for recording and confirming the first transaction order by the server and sending the intelligent contract after recording and confirming to the electronic equipment; receiving the intelligent contract after recording confirmation, and detecting the payment condition of the first transaction order within a first time period according to the intelligent contract after recording confirmation; and processing the account of the first user according to the payment condition.
It can be seen that the electronic device and the server depicted in the embodiment of the application establish communication so as to meet cashless payment behaviors of users under the condition that the users do not carry mobile devices and cash or the electric quantity of the mobile devices is exhausted, thereby not only ensuring benefits of merchants, but also improving convenience, safety and sustainability of transaction data payment.
In one possible example, in terms of the determining that the first user is a registered user from the identity information of the first user, and determining that the account of the first user has payment capabilities for the first transaction order, the instructions in the program are specifically for: the identity information of the first user is sent to the server, and is used for carrying out identity verification on the first user by the server, and an identity verification result is sent to the electronic equipment; receiving the identity verification result from the server, and determining that the first user is a registered user when the identity verification result is legal; establishing a confirmation request of the first transaction order and the account address of the first user, sending the confirmation request to the server, wherein the confirmation request is used for confirming that the account of the first user has the payment capability for the first transaction order according to the rest of transaction information of the first user by the server, and sending a confirmation result to the electronic equipment; and receiving the confirmation result from the server.
In one possible example, the first trade order includes a first amount of trade data to be paid; the confirmation request is used for executing the following steps: the electronic equipment traverses the rest transaction information of the user recorded in the server to obtain the balance of the user account; and if the first amount of transaction data to be paid is smaller than the balance of the user account, the transaction confirmation of the user payment request is successful.
In one possible example, the confirmation request is used to perform the steps of: the server traverses the rest transaction information of the first user to obtain the rest transaction data of the second quantity and the rest objects of the third quantity of the first user to be paid; and if the second number of remaining to-be-paid transaction data is smaller than a second preset threshold value and the third number of remaining to-be-paid objects is smaller than a third preset threshold value, the account of the first user has the payment capability for the first transaction order.
In one possible example, in terms of said processing the account of the first user according to the payment situation, the instructions in the program are specifically for: if the second time period of the account payment of the first user is smaller than the first time period, adding the account of the first user into a member list; and/or if the account of the first user does not pay the first trade order within the first time period, notifying the account of the first user to pay the first trade order within a third time period, wherein the third time period is greater than the first time period; and/or if the account of the first user does not pay the first transaction order within the third time period, adding the account of the first user to a blacklist.
The foregoing description of the embodiments of the present application has been presented primarily in terms of a method-side implementation. It will be appreciated that the electronic device, in order to achieve the above-described functions, includes corresponding hardware structures and/or software modules that perform the respective functions. Those of skill in the art will readily appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as hardware or combinations of hardware and computer software. Whether a function is implemented as hardware or computer software driven hardware depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
The embodiment of the application can divide the functional units of the electronic device according to the method example, for example, each functional unit can be divided corresponding to each function, and two or more functions can be integrated in one processing unit. The integrated units may be implemented in hardware or in software functional units. It should be noted that, in the embodiment of the present application, the division of the units is schematic, which is merely a logic function division, and other division manners may be implemented in actual practice.
Fig. 5 is a functional block diagram of a transaction data payment device 500 according to an embodiment of the present application. The transaction data payment device 500 is applied to an electronic apparatus comprising a processing unit 501 and a communication unit 502.
Wherein the processing unit 501 is configured to perform any step of the above method embodiments, and when performing data transmission such as sending, the communication unit 502 is optionally invoked to complete a corresponding operation. The following is a detailed description.
The processing unit 501 is specifically configured to: when a payment request for a first trade order is detected, the identity information of a first user is input; determining that the first user is a registered user according to the identity information of the first user, and determining that an account of the first user has payment capability for the first transaction order; generating an intelligent contract according to the first transaction order, and sending the intelligent contract to the server, wherein the intelligent contract is used for recording and confirming the first transaction order by the server and sending the intelligent contract after recording and confirming to the electronic equipment; receiving the intelligent contract after recording confirmation, and detecting the payment condition of the first transaction order within a first time period according to the intelligent contract after recording confirmation; and processing the account of the first user according to the payment condition.
It can be seen that the transaction data payment device depicted in the embodiment of the application is applied to electronic equipment, and the electronic equipment establishes communication with a server so as to meet cashless payment behaviors of users under the condition that the users do not carry mobile equipment and cash or the electric quantity of the mobile equipment is exhausted, thereby ensuring benefits of merchants and improving convenience, safety and sustainability of transaction data payment.
In one possible example, in terms of the determining that the first user is a registered user according to the identity information of the first user, and determining that the account of the first user has a payment capability for the first transaction order, the processing unit 501 is specifically configured to: the identity information of the first user is sent to the server, and is used for carrying out identity verification on the first user by the server, and an identity verification result is sent to the electronic equipment; receiving the identity verification result from the server, and determining that the first user is a registered user when the identity verification result is legal; establishing a confirmation request of the first transaction order and the account address of the first user, sending the confirmation request to the server, wherein the confirmation request is used for confirming that the account of the first user has the payment capability for the first transaction order according to the rest of transaction information of the first user by the server, and sending a confirmation result to the electronic equipment; and receiving the confirmation result from the server.
In one possible example, the first trade order includes a first amount of trade data to be paid; the confirmation request is used for executing the following steps: the server traverses the rest of transaction information of the first user to obtain account balance of the first user; if the first amount of transaction data to be paid is less than the account balance of the first user, the account of the first user has payment capabilities for the first transaction order.
In one possible example, the confirmation request is used to perform the steps of: the server traverses the rest transaction information of the first user to obtain the rest transaction data of the second quantity and the rest objects of the third quantity of the first user to be paid; and if the second number of remaining to-be-paid transaction data is smaller than a second preset threshold value and the third number of remaining to-be-paid objects is smaller than a third preset threshold value, the account of the first user has the payment capability for the first transaction order.
In one possible example, in terms of said processing of the account of the first user according to the payment situation, the processing unit 501 is specifically configured to: if the second time period of the account payment of the first user is smaller than the first time period, adding the account of the first user into a member list; and/or if the account of the first user does not pay the first trade order within the first time period, notifying the account of the first user to pay the first trade order within a third time period, wherein the third time period is greater than the first time period; and/or if the account of the first user does not pay the first transaction order within the third time period, adding the account of the first user to a blacklist.
The transaction data payment device 500 may further comprise a storage unit 503 for storing program codes and data of the electronic device. The processing unit 501 may be a processor, the communication unit 502 may be a touch display screen or a transceiver, and the storage unit 503 may be a memory.
The following divides the functional units of the server, and fig. 6 is a block diagram illustrating the functional units of a transaction data payment device 600 according to an embodiment of the present application. The transaction data payment device 600 is applied to a server comprising a processing unit 601 and a communication unit 602.
The processing unit 601 is configured to perform any step of the foregoing method embodiments, and when performing data transmission such as sending, selectively call the communication unit 602 to complete a corresponding operation. The following is a detailed description.
The processing unit 601 is specifically configured to: receiving a smart contract from the electronic device, the smart contract generated by the electronic device by: when a payment request for a first trade order is detected, the identity information of a first user is input; determining that the first user is a registered user according to the identity information of the first user, and determining that an account of the first user has payment capability for the first transaction order; and generating an intelligent contract from the first trade order; recording and confirming the intelligent contract; sending the intelligent contract after recording confirmation to the electronic equipment, wherein the intelligent contract after recording confirmation is used for the electronic stylus to execute the following operations: detecting a payment of the first trade order during a first time period; and processing the account of the first user according to the payment condition.
It can be seen that the transaction data payment device depicted in the embodiment of the application is applied to a server, and the electronic equipment establishes communication with the server so as to meet cashless payment behaviors of users under the condition that the users do not carry mobile equipment and cash or the electric quantity of the mobile equipment is exhausted, thereby ensuring benefits of merchants and improving convenience, safety and sustainability of transaction data payment.
In one possible example, before said receiving the smart contract from the electronic device, the processing unit 601 further comprises means for: receiving identity information of the first user from the electronic device, the identity information of the first user being obtained by the electronic device performing the following operations: when a payment request for a first trade order is detected, the identity information of a first user is input; carrying out identity verification on the identity information of the first user, and sending an identity verification result to the electronic equipment; receiving the confirmation request from the electronic device, the confirmation request being established by the electronic device: receiving the identity verification result from the server, and determining that the first user is a registered user when the identity verification result is legal; establishing a confirmation request of the first transaction order and the account address of the first user; confirming that an account of a first user has payment capability for the first transaction order according to the rest of transaction information of the first user, and sending a confirmation result to the electronic equipment, wherein the confirmation result is used for the electronic equipment to execute the following operations: and generating an intelligent contract according to the first transaction order, and sending the intelligent contract to the server.
In one possible example, the first trade order includes a first amount of trade data to be paid; the confirmation request is used for executing the following steps: traversing the rest transaction information of the first user to obtain the account balance of the first user; and if the first quantity of transaction data to be paid is smaller than the account balance of the first user, obtaining a confirmation result that the account of the first user has the payment capability for the first transaction order.
In one possible example, the confirmation request is used to perform the steps of: traversing the rest transaction information of the first user to obtain a second number of rest transaction data to be paid of the first user and a third number of rest objects to be paid; and if the second number of remaining to-be-paid transaction data is smaller than a second preset threshold value and the third number of remaining to-be-paid objects is smaller than a third preset threshold value, obtaining a confirmation result that the account of the first user has the payment capability for the first transaction order.
The transaction data payment device 600 may further include a storage unit 603 for storing program codes and data of a server. The processing unit 601 may be a processor, the communication unit 602 may be a touch display screen or a transceiver, and the storage unit 603 may be a memory.
The embodiment of the application also provides a computer storage medium, wherein the computer storage medium stores a computer program for electronic data exchange, and the computer program makes a computer execute part or all of the steps of any one of the above method embodiments, and the computer includes an electronic device.
Embodiments of the present application also provide a computer program product comprising a non-transitory computer-readable storage medium storing a computer program operable to cause a computer to perform part or all of the steps of any one of the methods described in the method embodiments above. The computer program product may be a software installation package, said computer comprising an electronic device.
It should be noted that, for simplicity of description, the foregoing method embodiments are all described as a series of acts, but it should be understood by those skilled in the art that the present application is not limited by the order of acts described, as some steps may be performed in other orders or concurrently in accordance with the present application. Further, those skilled in the art will also appreciate that the embodiments described in the specification are all preferred embodiments, and that the acts and modules referred to are not necessarily required for the present application.
In the foregoing embodiments, the descriptions of the embodiments are emphasized, and for parts of one embodiment that are not described in detail, reference may be made to related descriptions of other embodiments.
In the several embodiments provided by the present application, it should be understood that the disclosed apparatus may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, such as the above-described division of units, merely a division of logic functions, and there may be additional manners of dividing in actual implementation, such as multiple units or components may be combined or integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, or may be in electrical or other forms.
The units described above as separate components may or may not be physically separate, and components shown as units may or may not be physical units, may be located in one place, or may be distributed over a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional unit in the embodiments of the present application may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.
The integrated units described above, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable memory. Based on such understanding, the technical solution of the present application may be embodied in essence or a part contributing to the prior art or all or part of the technical solution in the form of a software product stored in a memory, comprising several instructions for causing a computer device (which may be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the above-mentioned method of the various embodiments of the present application. And the aforementioned memory includes: a U-disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a removable hard disk, a magnetic disk, or an optical disk, or other various media capable of storing program codes.
Those of ordinary skill in the art will appreciate that all or a portion of the steps in the various methods of the above embodiments may be implemented by a program that instructs associated hardware, and the program may be stored in a computer readable memory, which may include: flash disk, read-Only Memory (ROM), random access Memory (Random Access Memory, RAM), magnetic disk or optical disk.
The foregoing has outlined rather broadly the more detailed description of embodiments of the application, wherein the principles and embodiments of the application are explained in detail using specific examples, the above examples being provided solely to facilitate the understanding of the method and core concepts of the application; meanwhile, as those skilled in the art will have variations in the specific embodiments and application scope in accordance with the ideas of the present application, the present description should not be construed as limiting the present application in view of the above.
Claims (10)
1. A transaction data payment method, which is characterized by being applied to electronic equipment, wherein the electronic equipment establishes communication with a server; the server is a block chain server; the method comprises the following steps:
when a payment request for a first trade order is detected, the identity information of a first user is input;
Determining that the first user is a registered user according to the identity information of the first user, and determining that an account of the first user has payment capability for the first transaction order;
generating an intelligent contract according to the first transaction order, signing the intelligent contract through a signing algorithm by using an account address of a merchant and an account address of the first user, and sending the intelligent contract to the server, wherein the intelligent contract is used for recording and confirming the first transaction order by the server and sending the intelligent contract after recording and confirming to the electronic equipment; wherein the generating an intelligent contract from the first trade order comprises: setting an account address of the first user to pay for a time period of the first trade order trade; encrypting the first transaction order by using a preset encryption algorithm; compiling the time limit and the encrypted first transaction order through assembly language to generate the intelligent contract;
receiving the intelligent contract after recording confirmation, and detecting the payment condition of the first transaction order within a first time period according to the intelligent contract after recording confirmation;
And processing the account of the first user according to the payment condition.
2. The method of claim 1, wherein the determining that the first user is a registered user based on the identity information of the first user and determining that the account of the first user has payment capabilities for the first transaction order comprises:
the identity information of the first user is sent to the server, and is used for carrying out identity verification on the first user by the server, and an identity verification result is sent to the electronic equipment;
receiving the identity verification result from the server, and determining that the first user is a registered user when the identity verification result is legal;
establishing a confirmation request of the first transaction order and the account address of the first user, sending the confirmation request to the server, wherein the confirmation request is used for confirming that the account of the first user has the payment capability for the first transaction order according to the rest of transaction information of the first user by the server, and sending a confirmation result to the electronic equipment;
and receiving the confirmation result from the server.
3. The method of claim 2, wherein the first trade order includes a first amount of trade data to be paid; the confirmation request is used for executing the following steps: the server traverses the rest of transaction information of the first user to obtain account balance of the first user; and if the first quantity of transaction data to be paid is smaller than the account balance of the first user, obtaining a confirmation result that the account of the first user has the payment capability for the first transaction order.
4. The method according to claim 2, wherein the confirmation request is for performing the steps of: the server traverses the rest transaction information of the first user to obtain the rest transaction data of the second quantity and the rest objects of the third quantity of the first user to be paid; and if the second number of remaining to-be-paid transaction data is smaller than a second preset threshold value and the third number of remaining to-be-paid objects is smaller than a third preset threshold value, obtaining a confirmation result that the account of the first user has the payment capability for the first transaction order.
5. The method of any of claims 1-4, wherein the processing the account of the first user in accordance with the payment condition comprises:
If the second time period of the account payment of the first user is smaller than the first time period, adding the account of the first user into a member list;
and/or the number of the groups of groups,
if the account of the first user does not pay the first trade order within the first time period, notifying the account of the first user to pay the first trade order within a third time period, wherein the third time period is greater than the first time period;
and/or the number of the groups of groups,
and if the account of the first user does not pay the first transaction order within the third time period, adding the account of the first user into a blacklist.
6. A transaction data payment method, which is characterized by being applied to a server, wherein an electronic device establishes communication with the server; the server is a block chain server; the method comprises the following steps:
receiving a smart contract from the electronic device, the smart contract generated by the electronic device by: when a payment request for a first trade order is detected, the identity information of a first user is input; determining that the first user is a registered user according to the identity information of the first user, and determining that an account of the first user has payment capability for the first transaction order; and generating an intelligent contract from the first trade order, comprising: setting an account address of the first user to pay for a time period of the first trade order trade; encrypting the first transaction order by using a preset encryption algorithm; compiling the time limit and the encrypted first transaction order through assembly language to generate the intelligent contract; signing the intelligent contract by a signing algorithm through the account address of the merchant and the account address of the first user;
Recording and confirming the intelligent contract;
sending the intelligent contract after recording confirmation to the electronic equipment, wherein the intelligent contract after recording confirmation is used for the electronic equipment to execute the following operations: detecting a payment of the first trade order during a first time period; and processing the account of the first user according to the payment condition.
7. The method of claim 6, wherein prior to the receiving the smart contract from the electronic device, the method further comprises:
receiving identity information of the first user from the electronic device, the identity information of the first user being obtained by the electronic device performing the following operations: when a payment request for a first trade order is detected, the identity information of a first user is input;
carrying out identity verification on the identity information of the first user, and sending an identity verification result to the electronic equipment;
receiving the confirmation request from the electronic device, the confirmation request being established by the electronic device: receiving the identity verification result from the server, and determining that the first user is a registered user when the identity verification result is legal; establishing a confirmation request of the first transaction order and the account address of the first user;
Confirming that an account of a first user has payment capability for the first transaction order according to the rest of transaction information of the first user, and sending a confirmation result to the electronic equipment, wherein the confirmation result is used for the electronic equipment to execute the following operations: and generating an intelligent contract according to the first transaction order, and sending the intelligent contract to the server.
8. A transaction data payment device, characterized by being applied to an electronic device, the electronic device establishing communication with a server; the server is a block chain server; the apparatus comprises a processing unit and a communication unit, wherein,
the processing unit is used for inputting the identity information of the first user when detecting the payment request for the first transaction order; and determining that the first user is a registered user according to the identity information of the first user, and determining that an account of the first user has payment capability for the first transaction order; the intelligent contract is used for carrying out record confirmation on the first transaction order by the server and sending the intelligent contract after record confirmation to the electronic equipment; wherein the generating an intelligent contract from the first trade order comprises: setting an account address of the first user to pay for a time period of the first trade order trade; encrypting the first transaction order by using a preset encryption algorithm; compiling the time limit and the encrypted first transaction order through assembly language to generate the intelligent contract; and the intelligent contract after recording confirmation is received through the communication unit, and the payment condition of the first transaction order is detected within a first time period according to the intelligent contract after recording confirmation; and processing an account of the first user according to the payment condition.
9. An electronic device comprising a processor, a memory, a communication interface, and one or more programs stored in the memory and configured to be executed by the processor, the programs comprising instructions for performing the steps in the method of any of claims 1-7.
10. A computer readable storage medium storing a computer program for electronic data exchange, wherein the computer program is executed by a processor to implement the method of any of claims 1-7.
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