CN111161058A - Online transaction method, system and storage medium based on consumption commitment - Google Patents

Online transaction method, system and storage medium based on consumption commitment Download PDF

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Publication number
CN111161058A
CN111161058A CN201811575266.3A CN201811575266A CN111161058A CN 111161058 A CN111161058 A CN 111161058A CN 201811575266 A CN201811575266 A CN 201811575266A CN 111161058 A CN111161058 A CN 111161058A
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transaction
buyer
consumption
information
online
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张永锋
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Henan Clapping Technology Co Ltd
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Henan Clapping Technology Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/405Establishing or using transaction specific rules
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

An online transaction method based on consumption commitment, an online transaction system based on consumption commitment and a storage medium, wherein the online transaction method based on consumption commitment comprises the following steps: receiving a transaction request sent by a buyer in a network mall; receiving transaction information, wherein the transaction information comprises buyer information, seller information, commodity price and payment conditions; the buyer confirms the transaction information, makes a consumption commitment and signs an intelligent contract based on the consumption commitment; freezing the amount corresponding to the commodity price in the buyer bank account; completing a transaction according to the intelligent contract; confirming and recording a transaction result; and clearing the fund according to the transaction result, thereby increasing the security of the transaction fund of each party on line.

Description

Online transaction method, system and storage medium based on consumption commitment
Technical Field
The invention relates to the field of payment, in particular to an online transaction method, system and storage medium based on consumption commitment.
Background
With the development of commodity economy, consumption modes are diversified day by day, prepaid consumption (i.e. payment before hand and consumption after hand) in the fields of networks, bathing, haircut, car repair and the like becomes very common, and card transaction becomes a common operation mode. Many consumers are deeply harmed by the strong risk of breach of such commercial prepaid cards: that is, if the operator is bad in operation and bankruptcy or the operator is fraudulent and issues a card, the card will disappear or refuse to accept the previous member after being changed, and the consumer will have two empty money and goods. Compared with the single-purpose commercial prepaid card business engaged by common enterprise legal persons, the single-purpose commercial prepaid card business is under supervision vacuum, and compared with the traditional enterprise legal person card issuing enterprises, the single-purpose commercial prepaid card business and the common consumer both lack understanding, the information is obviously asymmetric, and the default risk is easily generated. In order to solve the above problems, there is a pre-authorization service in the prior art, which means that a special merchant obtains a payment acceptance which does not exceed a certain proportion range of pre-authorization amount within a specified period of a card holder from a card issuing institution, and accepts the acceptance service after the card holder obtains goods or receives services. Generally speaking, the business of firstly freezing part of funds in the bank card to be used as deposit and then settling accounts according to the actual consumption amount is carried out. However, such pre-authorized transaction modes are generally only used for credit cards and used for offline transactions, and the application is very limited.
Disclosure of Invention
In view of the above, there is a need to provide an online transaction method based on consumption commitment, an online transaction system based on consumption commitment and a storage medium, which can increase the security of online transaction funds of each party.
An online transaction method based on consumption commitment, comprising the following steps:
receiving a transaction request sent by a buyer in a network mall;
receiving transaction information, wherein the transaction information comprises buyer information, seller information, commodity price and payment conditions;
the buyer confirms the transaction information, makes a consumption commitment and signs an intelligent contract based on the consumption commitment;
freezing the amount corresponding to the commodity price in the buyer bank account;
completing a transaction according to the intelligent contract;
confirming and recording a transaction result; and
clearing funds according to the transaction result.
Preferably, the intelligent contract is a block chain intelligent contract.
Further, the step of signing the intelligent contract comprises:
generating the block chain intelligent contract according to the transaction information and a preset rule;
broadcasting the blockchain intelligence contract to each link end of a blockchain; and
each chain end of the block chain confirms and records the intelligent contract of the block chain according to the entrusting interest proving mechanism.
Further, the step of freezing the amount corresponding to the commodity price in the buyer bank account comprises the following steps:
requesting the buyer's account bank to confirm whether there is a limit not lower than the price of the commodity;
terminating the transaction when the credit of the buyer's account bank is less than the price of the good;
executing limit freezing when the limit of the buyer account bank is not lower than the commodity price; and
broadcasting the result of the transaction abort or credit freeze to each link end of the block chain.
Preferably, the lines include fund lines and credit lines.
Preferably, the step of completing the transaction in accordance with the smart contract comprises:
informing the seller of delivery and informing the buyer of waiting for receipt;
receiving the delivery information of the buyer;
and confirming the transaction result according to the receiving information of the buyer.
Further, the confirming the transaction result according to the receiving information of the buyer comprises:
when the buyer returns the information of successful goods receiving, the transaction is confirmed to be successful; and
when the buyer returns the information of the failure of receiving goods, the transaction is confirmed to be failed.
Further, the step of clearing funds based on the transaction results includes:
when the transaction is successful, requesting transfer of funds to the seller; and
executing a transfer program;
and when the transaction fails, releasing the line freezing of the buyer bank account.
An online transaction system based on consumption commitments, comprising:
a processor;
a storage medium; and
a communication network through which the processor is communicatively coupled with the storage medium;
the storage medium stores a plurality of instructions adapted to be loaded by the processor and to perform the aforementioned consumption commitment-based online trading method.
A storage medium storing a plurality of instructions adapted to be loaded by a processor and to perform the aforementioned online transaction method based on consumption commitments.
In the on-line transaction method based on the consumption promise, the on-line transaction system based on the consumption promise and the storage medium, the buyer initiates a transaction request based on the consumption promise, and confirms that the fund is cleared to the merchant after the transaction is completed, so that the transaction fund safety of each party is increased, the merchant can obtain the recharge fund in time, the production operation scale is enlarged, and the higher-quality service is provided. And clearing the fund according to the transaction result, and increasing the security of the transaction fund of each party on the line.
Drawings
FIG. 1 is a schematic diagram of the logical structure of an online transaction system based on consumption commitments in a preferred embodiment.
FIG. 2 is a flow diagram of an on-line transaction method based on consumption commitments in a preferred embodiment.
FIG. 3 is a schematic diagram illustrating a process for signing an intelligent contract based on consumption commitments in FIG. 2.
Fig. 4 is a flowchart illustrating a step of freezing the amount corresponding to the price of the commodity in the bank account of the buyer in fig. 2.
FIG. 5 is a flowchart illustrating the step of performing credit freeze shown in FIG. 4.
Fig. 6 is a schematic flow chart illustrating a transaction completed according to the blockchain smart contract in fig. 2.
FIG. 7 is a flowchart illustrating the process of confirming the transaction result according to the receiving information of the buyer in FIG. 6.
FIG. 8 is a schematic diagram illustrating the process of FIG. 2 for clearing funds based on the transaction results.
Description of the main elements
100 trading platform
110 storage medium
120 processor
200 distributed network
500 Online trading System based on consumption commitment
The following detailed description will further illustrate the invention in conjunction with the above-described figures.
Detailed Description
As shown in FIG. 1, an online trading system 500 based on consumption commitments includes a trading platform 100 and a communication network. The communication network may be a blockchain based distributed network 200. The trading platform 100 stores instructions adapted to be loaded and executed by a processor 120 to implement an online trade based on a consumption commitment.
The trading platform 100 may include a storage medium 110 and a processor 120.
The plurality of instructions are stored in the storage medium 110. The processor 120 is communicatively coupled to the storage medium 110 to load instructions from the storage medium 110 and to perform functions directed by the instructions.
Referring also to fig. 2-8, the instructions stored by the trading platform 100 may be loaded and executed by the processor 120 to implement an online trading method based on consumption commitments.
Specifically, the online transaction method based on the consumption commitment can comprise the following steps.
S101, receiving a transaction request sent by a buyer in a network mall. I.e. the buyer purchases the order in the network mall.
And S102, receiving transaction information. The transaction information may include buyer information, seller information, commodity price and payment conditions, for example, the transaction information may include account information of the buyer in the network mall, account information of the seller in the network mall, price and payment conditions of the target commodity to assist in completing the transaction.
Specifically, the buyer may send a transaction request to the seller, which may include buyer information, targeted merchandise information intended for purchase. The seller confirms whether the target commodity can be sold according to the transaction request of the buyer.
If the intention to purchase and sell is reached, the transaction platform 100 may collect transaction information, including buyer information, target commodity information, seller information, and order information.
The collected transaction information may be stored into blockchain based distributed network 200.
S103, the buyer confirms the transaction information, makes a consumption commitment and signs an intelligent contract based on the consumption commitment.
For example, in an implementation, the intelligent contracts may be blockchain intelligent contracts. The blockchain smart contracts may include the sum of the commodity labels and the quantity, the payment method, and the delivery method. It is to be understood that in other embodiments, the intelligent contract may be other forms of intelligent contracts, as long as the intelligent contract can satisfy the requirements of being verified and being able to be authenticated.
In a preferred embodiment, in step S103, the buyer confirms the transaction information, makes a consumption commitment and signs a smart contract based on the consumption commitment, the signing of the smart contract may specifically include the following steps.
And S1031, generating a block chain intelligent contract according to the transaction information and a predetermined rule.
S1032. broadcasting the blockchain intelligence contract to each link end of the blockchain.
The method for storing, transmitting and certifying the data in a decentralized and distributed structure of the block chain is used for storing the intelligent contracts of the block chain into a block chain database to obtain the existence certification of the intelligent contracts of the block chain. Transaction information is authorized through the distributed network 200, and transactions are guaranteed to be not falsifiable through intelligent contracts.
S1033, each chain end of the block chain confirms and records the intelligent contract of the block chain according to the entrusting interest certification mechanism.
In the distributed network 200, each isolated node has a mechanism to agree on something, and the delegation Proof of rights (DPOS) is a mechanism applied to a block chain, which is easily found in the prior art and will not be described in detail herein.
S104, the amount corresponding to the commodity price in the buyer bank account is frozen.
In a specific implementation, the amount may be a balance of funds in the buyer's bank account, or may be a credit amount corresponding to the buyer's bank account.
During the freezing period, the buyer still has ownership of the frozen portion of the quota, and can obtain financial benefits, but can not consume or cash up. The seller gains the in-transit fund pledge right of the part of the credit which is frozen.
And the in-transit funds are committed to be consumed by the buyer, the committed funds are frozen in the bank account of the buyer, and clearing is carried out after the subsequent transaction flow is finished. At this point, the in-transit funds are frozen in the buyer's bank account to ensure that the transaction can be completed according to the signed blockchain intelligent contract.
In other words, during the transaction, the buyer retains ownership of the in-transit funds from the time the buyer places the order until the transaction is completed, while the seller gains access to the in-transit funds pledge. Therefore, the property rights of the buyer and the seller can be guaranteed, the safety of funds of all parties in online transaction or offline transaction is improved, and the transaction is favorably completed.
In a specific implementation, the step S104 of freezing the amount corresponding to the price of the commodity in the bank account of the buyer may further specifically include the following steps.
S1041, requesting the account bank of the buyer to confirm whether the amount is not less than the price of the commodity.
S1042. when the amount of the buyer account bank is lower than the commodity price, the transaction is stopped.
S1043, executing limit freezing when the limit of the buyer account bank is not lower than the commodity price.
S1044, broadcasting the result of stopping the transaction or executing credit freezing to each chain end of the block chain.
And S105, completing the transaction according to the intelligent contract of the block chain.
And S106, confirming and recording the transaction result.
In particular implementations, the transaction results may include both transaction success and transaction failure results.
And S107, the financial institution clearing funds according to the transaction result.
Corresponding to the two results of the successful transaction and the failed transaction, the financial institution can correspondingly settle the fund to the seller or the buyer, namely, the seller obtains the goods money pre-authorized by the buyer when the transaction is successful, and the pre-authorized money is returned to the buyer when the transaction is failed. For example only, in particular implementations, the step of clearing funds from the financial institution based on the transaction results may also be implemented in accordance with other principles.
In a preferred embodiment, the step of performing credit freezing may specifically include the following steps.
S1043a, establishing a block chain client account. For example, a user applies for a wallet at a blockchain wallet and creates a wallet address that is unique and non-tamperproof, and all wallet information transactions are synchronized to the blockchain.
S1043b, initiating in-transit fund pledge pre-authorization to a buyer bank account through a block chain client account, namely, making a consumption promise by a buyer user, and authorizing the buyer bank account to execute fund or credit line freezing according to the consumption promise and the block chain intelligent contract.
For example, in an implementation, the buyer user may purchase the spending limit by notifying the transaction platform 100 when purchasing the goods, committing to the spending, and committing to the seller to pledge the frozen limit, i.e., the in-transit funds. The transaction platform 100 notifies the financial institution to lock the amount of money corresponding to the purchased goods in the buyer's account, the locked funds are in-transit funds, ownership of the funds and revenue generated therebetween remain attributed to the buyer, and the in-transit funds cannot be used for other consumption or cash withdrawal.
And S1043c, requesting the buyer bank to carry out in-transit fund pledge according to the intelligent contract. After the buyer user successfully pays, the blockchain wallet synchronizes the transaction information to the blockchain, and the merchant confirms the transaction information to the blockchain. The seller may thereby gain pledge of funds in transit.
The user purchases goods selection for payment using the blockchain wallet and synchronizes the transaction order to the blockchain.
In another preferred embodiment, the step S105 of completing the transaction according to the blockchain smart contract may specifically include the following steps.
S1051, informing the seller of delivery and informing the buyer of waiting for receiving.
And S1052, receiving the receiving information of the buyer.
And S1053, confirming a transaction result according to the receiving information of the buyer.
Preferably, the step S1053 of confirming the transaction result according to the receipt information of the purchaser may specifically include the following steps.
And S1053a, when the buyer returns the information of successful delivery, confirming that the transaction is successful.
And S1053b, when the buyer returns the information of the failure of receiving goods, confirming that the transaction fails.
Correspondingly, the step S107 of clearing the fund by the financial institution according to the transaction result specifically includes the following steps.
S1071, when the transaction is successful, requesting to transfer the account to a seller; and
the transfer program is executed.
S1072, when the transaction fails, the line of the buyer bank account is released from being frozen.
In the above-mentioned online transaction method based on the consumption commitment, the online transaction system 500 based on the consumption commitment and the storage medium 100, the buyer initiates a transaction request based on the consumption commitment, and confirms that the fund is cleared to the merchant after the transaction is completed, so that the transaction fund security of each party is increased, and the merchant can obtain the recharge fund in time to expand the production operation scale and provide a better service. And clearing the fund according to the transaction result, and increasing the security of the transaction fund of each party on the line.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents and improvements made within the spirit and principle of the present invention are intended to be included within the scope of the present invention.

Claims (10)

1. An online transaction method based on consumption commitment, which is characterized by comprising the following steps:
receiving a transaction request sent by a buyer in a network mall;
receiving transaction information, wherein the transaction information comprises buyer information, seller information, commodity price and payment conditions;
the buyer confirms the transaction information, makes a consumption commitment and signs an intelligent contract based on the consumption commitment;
freezing the amount corresponding to the commodity price in the buyer bank account;
completing a transaction according to the intelligent contract;
confirming and recording a transaction result; and
clearing funds according to the transaction result.
2. The online trading method based on consumption commitments, as recited in claim 1, wherein the intelligent contract is a block chain intelligent contract.
3. The online transaction method based on consumption commitments, as recited in claim 2, wherein the step of signing an intelligent contract comprises:
generating the block chain intelligent contract according to the transaction information and a preset rule;
broadcasting the blockchain intelligence contract to each link end of a blockchain; and
each chain end of the block chain confirms and records the intelligent contract of the block chain according to the entrusting interest proving mechanism.
4. The online transaction method based on consumption commitment as claimed in claim 3, wherein the step of freezing the amount corresponding to the commodity price in the buyer's bank account comprises:
requesting the buyer's account bank to confirm whether there is a limit not lower than the price of the commodity;
terminating the transaction when the credit of the buyer's account bank is less than the price of the good;
executing limit freezing when the limit of the buyer account bank is not lower than the commodity price; and
broadcasting the result of the transaction abort or credit freeze to each link end of the block chain.
5. The consumption commitment based online transaction method as defined in claim 1, wherein: the amount includes a fund amount and a credit amount.
6. The online trading method based on consumption commitments as defined in claim 1, wherein the step of completing the trade according to the smart contract comprises:
informing the seller of delivery and informing the buyer of waiting for receipt;
receiving the delivery information of the buyer;
and confirming the transaction result according to the receiving information of the buyer.
7. The consumption commitment based online transaction method as claimed in claim 6, wherein the confirming the transaction result according to the receiving information of the buyer comprises:
when the buyer returns the information of successful goods receiving, the transaction is confirmed to be successful; and
when the buyer returns the information of the failure of receiving goods, the transaction is confirmed to be failed.
8. The online transaction method based on promise for consumption according to claim 1, wherein the step of clearing funds according to the transaction result includes:
when the transaction is successful, requesting transfer of funds to the seller; and
executing a transfer program;
and when the transaction fails, releasing the line freezing of the buyer bank account.
9. An online transaction system based on consumption commitments, comprising:
a processor;
a storage medium; and
a communication network through which the processor is communicatively coupled with the storage medium;
wherein the storage medium stores a plurality of instructions adapted to be loaded by the processor and to perform the method of online transaction based on consumption commitments as defined in any one of claims 1-8.
10. A storage medium, characterized by: the storage medium stores instructions adapted to be loaded by a processor and to perform the method of online trading based on consumption commitments as defined in any one of claims 1-8.
CN201811575266.3A 2018-11-08 2018-12-21 Online transaction method, system and storage medium based on consumption commitment Pending CN111161058A (en)

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CN201811327680 2018-11-08
CN2018113276802 2018-11-08

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CN201811575274.8A Pending CN111160878A (en) 2018-11-08 2018-12-21 Transaction method, system and storage medium based on third-party consumption commitment
CN201811575266.3A Pending CN111161058A (en) 2018-11-08 2018-12-21 Online transaction method, system and storage medium based on consumption commitment
CN201811575265.9A Pending CN111160877A (en) 2018-11-08 2018-12-21 Third-party pledge trading method, system and storage medium based on consumption commitment
CN201811575271.4A Pending CN111160901A (en) 2018-11-08 2018-12-21 Seller's pledge trading method, system and storage medium based on consumption promise
CN201811574200.2A Pending CN111160900A (en) 2018-11-08 2018-12-21 Transaction method, system and storage medium based on seller consumption commitment
CN201811575269.7A Pending CN111161079A (en) 2018-11-08 2018-12-21 Financing transaction method, system and storage medium based on consumption commitment

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CN201811575265.9A Pending CN111160877A (en) 2018-11-08 2018-12-21 Third-party pledge trading method, system and storage medium based on consumption commitment
CN201811575271.4A Pending CN111160901A (en) 2018-11-08 2018-12-21 Seller's pledge trading method, system and storage medium based on consumption promise
CN201811574200.2A Pending CN111160900A (en) 2018-11-08 2018-12-21 Transaction method, system and storage medium based on seller consumption commitment
CN201811575269.7A Pending CN111161079A (en) 2018-11-08 2018-12-21 Financing transaction method, system and storage medium based on consumption commitment

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113128985A (en) * 2021-04-23 2021-07-16 中国工商银行股份有限公司 Online transaction method, device, equipment and medium based on intelligent contract
CN116993345A (en) * 2023-06-20 2023-11-03 上海蚂蚁创将信息技术有限公司 User quota allocation method and device

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112307389A (en) * 2020-11-20 2021-02-02 支付宝(杭州)信息技术有限公司 Data processing method and device

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113128985A (en) * 2021-04-23 2021-07-16 中国工商银行股份有限公司 Online transaction method, device, equipment and medium based on intelligent contract
CN116993345A (en) * 2023-06-20 2023-11-03 上海蚂蚁创将信息技术有限公司 User quota allocation method and device

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CN111161079A (en) 2020-05-15
CN111160901A (en) 2020-05-15
CN111160877A (en) 2020-05-15
CN111160878A (en) 2020-05-15

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Application publication date: 20200515