CN111192042A - Consumption card transaction method based on block chain - Google Patents
Consumption card transaction method based on block chain Download PDFInfo
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- CN111192042A CN111192042A CN202010098145.5A CN202010098145A CN111192042A CN 111192042 A CN111192042 A CN 111192042A CN 202010098145 A CN202010098145 A CN 202010098145A CN 111192042 A CN111192042 A CN 111192042A
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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
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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Abstract
The invention relates to a block chain-based consumption card transaction method, which comprises the steps of obtaining consumption card transaction demand information of a consumer and merchant information of a merchant specified by the consumption card transaction demand information, wherein the merchant information also comprises the geographical position information of the merchant, carrying out risk verification on the merchant according to the merchant information of the merchant, and carrying out subsequent consumption card transaction processes if the risk level of the merchant is less than or equal to a preset risk level threshold. The consumer card does not directly conduct transaction, but conducts risk evaluation on the merchant before transaction, and only when the risk level is lower, subsequent transaction operation is conducted, the consumer avoids risks before transaction, so that the transaction safety of the consumer card can be effectively improved, the risk of loss of consumption information in the consumer card is reduced, money theft of the consumer is further avoided, and when transaction abnormity occurs, the merchant can be directly positioned according to the geographic position.
Description
Technical Field
The invention relates to a block chain-based consumption card transaction method.
Background
The consumption card is a prepaid card issued by the service industry, and the card stores a certain amount of money and consumes by the card. At present, the consumption cards can be roughly divided into two types, namely single-purpose consumption cards and multi-purpose consumption cards, wherein the single-purpose consumption cards can only be used for purchasing commodities and services provided by card issuers and are mainly used for shopping in markets; the multipurpose consumer card is typically issued by a financial institution or other institution in conjunction with the financial institution as a commodity or service for purchase by card issuers and third parties willing to accept payments made with respect to the consumer card. At present, the application of the consumption card is more and more extensive, but because the consumption card directly relates to money, the consumption information in the consumption card has the risk of losing, and then leads to the money theft of the consumer.
Disclosure of Invention
The invention aims to provide a block chain-based consumption card transaction method, which is used for solving the problem that money of a consumer is stolen due to the risk of losing consumption information in a consumption card.
In order to solve the problems, the invention adopts the following technical scheme:
a blockchain based consumer card transaction method, comprising:
acquiring consumption card transaction demand information of a consumer and merchant information of a merchant specified by the consumption card transaction demand information, wherein the consumption card transaction demand information comprises a transaction account of the merchant;
performing risk verification on the merchant according to the merchant information of the merchant to obtain the risk level of the merchant; the merchant information also comprises geographical location information of the merchant;
if the risk level of the merchant is less than or equal to a preset risk level threshold, acquiring consumer information generated when the consumer registers on a blockchain;
determining a consumer area where the consumer belongs in the blockchain according to the consumer information of the consumer, wherein the consumer area also stores the geographical position information of the merchant;
executing operation of obtaining digital prepayment value in the consumer area to obtain digital prepayment value;
creating a temporary consumption card resource, wherein the temporary consumption card resource carries the digital prepayment value;
and sending the temporary consumption card resource carrying the digital prepayment value to the transaction account of the merchant.
Further, the sending the temporary consumption card resource carrying the digital prepayment value to the transaction account of the merchant includes:
extracting a digital prepayment value in the temporary consumption card resource and destroying the temporary consumption card resource;
acquiring second consumption card asset information corresponding to the consumer in the transaction account of the merchant;
updating the second consumption card asset information according to the digital prepayment value;
and acquiring first consumption card asset information in the transaction account of the consumer, and updating the first consumption card asset information of the consumer according to the digital prepayment value.
Further, the merchant information of the merchant includes registration information of the merchant on the blockchain and historical transaction information of the merchant within a preset time period;
correspondingly, the risk verification of the merchant according to the merchant information of the merchant to obtain the risk level of the merchant includes:
according to the registration information of the merchant and the historical transaction information in the preset time period, performing risk verification on the merchant to obtain the risk level of the merchant;
the registration information of the merchant includes geographical location information of the merchant.
The invention has the beneficial effects that: the consumer card does not directly conduct transaction, but conducts risk evaluation on the merchant before transaction, and only when the risk level is lower, subsequent transaction operation is conducted, and the consumer conducts risk avoidance before transaction, so that the security of the transaction of the consumer card can be effectively improved, the risk of loss of the consumption information in the consumer card is reduced, and further the money of the consumer is prevented from being stolen; the block chain is used as a third-party supervision platform to supervise the consumption card transaction and provide the consumption card transaction processing for the consumer, and the code level and the rule wind control level are combined to ensure the asset safety of the consumption card of the consumer and avoid the loss of transaction information, so that the transaction safety is improved and the rights and interests of the consumer are effectively ensured; the consumer area in the block chain also stores the geographical position information of the commercial tenant, when the transaction is abnormal or the consumption record needs to be traced in the later period, the geographical position information of the commercial tenant can be directly obtained, the commercial tenant can be conveniently found according to the geographical position information to directly investigate and confirm the historical transaction information, the tracing accuracy of the consumption record is improved, and the reliability and the safety of consumption are improved.
Drawings
In order to more clearly illustrate the technical solution of the embodiment of the present invention, the drawings needed to be used in the embodiment will be briefly described as follows:
fig. 1 is a flow diagram of a blockchain-based consumer card transaction method.
Detailed Description
The embodiment provides a block chain-based consumer card transaction method, as shown in fig. 1, including:
acquiring consumption card transaction demand information of a consumer and merchant information of a merchant specified by the consumption card transaction demand information, wherein the consumption card transaction demand information comprises transaction accounts of the merchant:
acquiring the consumption card transaction requirement information of a consumer, triggering an intelligent contract mechanism running in a block chain after acquiring the consumption card transaction requirement information of the consumer, and fulfilling the consumption card data transaction process through the intelligent contract mechanism, wherein the whole consumption card transaction process is carried out based on the intelligent contract mechanism of the block chain. The blockchain may be a public chain, a private chain, etc. Specifically, according to the consumption card transaction requirement information of the consumer, a merchant which the consumer wants to perform transaction is determined. The consumer can specify a merchant to be transacted in the transaction requirement information of the consumption card and then obtain the merchant information of the merchant; or, the consumer provides the relevant identification of the merchant to be transacted in the consumption card transaction requirement information, and the merchant information of the merchant is obtained according to the relevant identification of the merchant in the consumption card transaction requirement information.
The consumer card transactions on the blockchain include load transactions and consumer transactions. The recharging transaction and the consumption transaction are actually the transfer of the corresponding assets on the chain, and when the account transfer operation of the digital consumption card on the chain is carried out, the transaction demand information of the consumption card comprises the transaction account of a merchant.
The assets on the block chain are coded by using large integers, which is usually different from the real asset coding, the types of the real assets cannot be directly stored on the block chain, and the real assets are required to be converted and then stored on the block chain. For example, RMB, USD, and British pounds, etc., are used in everyday life, and RMB, USD, and British pounds, etc., are not present on the blockchain, which is used to represent assets such as Bingzi and Etheng. The bitcoin language is focused on producing/consuming bitcoins, the global state is composed of a group of unused transaction outputs (UTXOs), when a new bitcoin script input meets the old UTXO access policy used by the new bitcoin script, a new UTXO is created and a new access policy is specified, since the bitcoin script contains powerful digital signature checking instructions (including multi-signature support), multiple control accesses can be encoded, but the expressive ability of the bitcoin script is fundamentally limited, asset types or processes cannot be customized, and the language is incomplete, although the customized assets can be informally defined by complex protocols to perform richer calculations, the complexity of implementation is pushed outside the language, and real extensibility is not supported. Not only does the etherhouse support digital asset payments, but it can also define intelligent contracts, supporting something that cannot be supported by bitcoin scripts, such as user-defined procedures, virtual calls, loops, etc., but at a high programming cost for this reason, in the etherhouse, assets emphasize scarcity at definition, but do not inherit these protections at use, and in the constantly changing behavior of assets and the highly dynamic behavior of EVM, assets are easily lost or reused.
Performing risk verification on the merchant according to the merchant information of the merchant to obtain the risk level of the merchant; the merchant information further includes geographical location information of the merchant:
the merchant information of the merchant includes registration information of the merchant on the blockchain and historical transaction information of the merchant within a preset time period (such as within a recent month). The method for carrying out risk verification on the merchant according to the merchant information of the merchant to obtain the risk level of the merchant comprises the following steps: according to the registration information of the merchant and the historical transaction information in the preset time period, risk verification is carried out on the merchant to obtain the risk level of the merchant, for example, whether a registration certificate in the registration information of the merchant is expired or not is verified, and whether historical risk transaction exists in the historical transaction information or not is verified.
The registration information of the merchant includes geographical location information of the merchant, such as a registration address of the merchant, that is, the merchant information also includes geographical location information of the merchant.
If the risk level of the merchant is less than or equal to a preset risk level threshold, acquiring consumer information generated when the consumer registers on a blockchain:
according to actual needs, a risk level threshold is preset, the risk level threshold can be the lowest risk level for conducting transaction, whether the risk level of a merchant is smaller than or equal to the risk level threshold is judged, if the risk level of the merchant is smaller than or equal to the risk level threshold, the merchant is judged to pass risk verification, and consumer information generated when a consumer registers on a block chain is obtained. Additionally, if the risk level of the merchant is greater than the risk level threshold, the consumer may be notified that the transaction cannot be conducted.
Before a consumer makes a transaction on the blockchain, the consumer needs to register on the blockchain, and the following implementation is proposed: the method comprises the steps of obtaining identity information of a consumer, verifying the identity information, for example, whether the identity information is real name or not, performing parameter verification after the identity information passes the verification, and generating consumer information on a block chain for the consumer, wherein the consumer information comprises an account address, a public key and a private key. In the specific application process, the public and private key pair generator can be realized in a software mode, and can also be generated by an offline hardware key generation tool.
It should be noted that the merchant request is a user who has registered on the blockchain, and the merchant registers on the blockchain in the same way as the consumer.
The risk verification is carried out on the merchant appointed to be transacted by the consumer, and the transaction of the consumption card is processed after the merchant passes the risk verification, namely the risk of the merchant to be transacted is effectively evaluated, so that the risk is avoided for the transaction of the consumer in advance, and the transaction safety is effectively improved.
According to the consumer information of the consumer, determining a consumer area to which the consumer belongs in the blockchain, wherein the consumer area also stores the geographical location information of the merchant:
according to the consumer information of the consumer, determining an area of the consumer in the blockchain as a consumer area, wherein the consumer area is an area divided when the consumer registers on the blockchain. The consumer area also stores the geographical position information of the commercial tenant, so that the later use is facilitated.
Performing a get-to-number-prepaid-value operation in said consumer area, resulting in a number prepaid value:
and performing an operation of acquiring the digital prepayment value in the consumer area to obtain the digital prepayment value. Specifically, the consumption card transaction demand information includes a transaction amount, and based on the transaction amount, a digital prepayment value is obtained by executing an operation of obtaining the digital prepayment value in a consumer area, wherein the digital prepayment value is represented by a code of the transaction amount on a blockchain.
Creating a temporary consumption card resource, the temporary consumption card resource carrying the digital prepayment value:
creating a temporary consumption card resource, wherein the temporary consumption card resource carries a digital prepayment value. For example, the temporary consumption card resource is created by calling a PACreate call instruction.
Sending the temporary consumption card resource carrying the digital prepayment value to the transaction account of the merchant:
this embodiment provides a specific implementation process, which is as follows:
(1) extracting the numerical prepayment value in the temporary consumption card resource, and destroying the temporary consumption card resource, such as destroying the temporary consumption card resource by calling a PADestroy calling instruction.
(2) And acquiring second consumption card asset information corresponding to the consumer in the transaction account of the merchant. Specifically, when the consumer registers the second consumption card of the registered merchant, the corresponding relationship between the consumer and the identifier of the second consumption card of the registered merchant is established, the second consumption card corresponding to the consumer in the transaction account of the merchant is determined according to the corresponding relationship, and then the asset information of the second consumption card corresponding to the second consumption card is determined. In this embodiment, the transaction account of the merchant includes second consumption card asset information corresponding to the consumer, and may further include consumption card asset information corresponding to other users. For example, a merchant may sell consumer cards to multiple consumers, who may purchase multiple merchant pre-sold cards simultaneously.
(3) And updating the second consumption card asset information according to the digital prepayment value. Specifically, when the transaction requirement in the transaction requirement information of the consumption card is a recharging transaction, the recharging digital prepayment value in the asset information of the second consumption card is increased according to the digital prepayment value; and when the transaction requirement in the transaction requirement information of the consumption card is consumption transaction, increasing the consumption digital prepayment value in the second consumption card asset information according to the digital prepayment value, and reducing the recharging digital prepayment value in the second consumption card asset information according to the digital prepayment value.
(4) And acquiring first consumption card asset information in the transaction account of the consumer, and updating the first consumption card asset information of the consumer according to the digital prepayment value. Specifically, when the transaction requirement in the transaction requirement information of the consumption card is a recharging transaction, the recharging digital prepayment value in the first consumption card asset information in the transaction account of the consumer is increased according to the digital prepayment value; and when the transaction requirement in the transaction requirement information of the consumption card is consumption transaction, reducing the recharging prepaid value in the first consumption card asset information in the transaction account of the consumer according to the digital prepaid value.
The consumer card does not directly conduct transaction, but conducts risk evaluation on the merchant before transaction, and only when the risk level is lower, subsequent transaction operation is conducted, and the consumer conducts risk avoidance before transaction, so that the security of the transaction of the consumer card can be effectively improved, the risk of loss of the consumption information in the consumer card is reduced, and further the money of the consumer is prevented from being stolen; the block chain is used as a third-party supervision platform to supervise the consumption card transaction and provide the consumption card transaction processing for the consumer, and the code level and the rule wind control level are combined to ensure the asset safety of the consumption card of the consumer and avoid the loss of transaction information, so that the transaction safety is improved and the rights and interests of the consumer are effectively ensured; the consumer area in the block chain also stores the geographical position information of the commercial tenant, when the transaction is abnormal or the consumption record needs to be traced in the later period, the geographical position information of the commercial tenant can be directly obtained, the commercial tenant can be conveniently found according to the geographical position information to directly investigate and confirm the historical transaction information, the tracing accuracy of the consumption record is improved, and the reliability and the safety of consumption are improved.
The above-mentioned embodiments are merely illustrative of the technical solutions of the present invention in a specific embodiment, and any equivalent substitutions and modifications or partial substitutions of the present invention without departing from the spirit and scope of the present invention should be covered by the claims of the present invention.
Claims (3)
1. A blockchain-based consumer card transaction method, comprising:
acquiring consumption card transaction demand information of a consumer and merchant information of a merchant specified by the consumption card transaction demand information, wherein the consumption card transaction demand information comprises a transaction account of the merchant;
performing risk verification on the merchant according to the merchant information of the merchant to obtain the risk level of the merchant; the merchant information also comprises geographical location information of the merchant;
if the risk level of the merchant is less than or equal to a preset risk level threshold, acquiring consumer information generated when the consumer registers on a blockchain;
determining a consumer area where the consumer belongs in the blockchain according to the consumer information of the consumer, wherein the consumer area also stores the geographical position information of the merchant;
executing operation of obtaining digital prepayment value in the consumer area to obtain digital prepayment value;
creating a temporary consumption card resource, wherein the temporary consumption card resource carries the digital prepayment value;
and sending the temporary consumption card resource carrying the digital prepayment value to the transaction account of the merchant.
2. The blockchain-based consumer card transaction method of claim 1, wherein the sending the temporary consumer card resource carrying the digital prepaid value to the transaction account of the merchant comprises:
extracting a digital prepayment value in the temporary consumption card resource and destroying the temporary consumption card resource;
acquiring second consumption card asset information corresponding to the consumer in the transaction account of the merchant;
updating the second consumption card asset information according to the digital prepayment value;
and acquiring first consumption card asset information in the transaction account of the consumer, and updating the first consumption card asset information of the consumer according to the digital prepayment value.
3. The blockchain-based consumer card transaction method according to claim 1, wherein the merchant information of the merchant includes registration information of the merchant on the blockchain and historical transaction information of the merchant within a preset time period;
correspondingly, the risk verification of the merchant according to the merchant information of the merchant to obtain the risk level of the merchant includes:
according to the registration information of the merchant and the historical transaction information in the preset time period, performing risk verification on the merchant to obtain the risk level of the merchant;
the registration information of the merchant includes geographical location information of the merchant.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202010098145.5A CN111192042A (en) | 2020-02-18 | 2020-02-18 | Consumption card transaction method based on block chain |
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| CN202010098145.5A CN111192042A (en) | 2020-02-18 | 2020-02-18 | Consumption card transaction method based on block chain |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112529575A (en) * | 2020-12-14 | 2021-03-19 | 深圳市快付通金融网络科技服务有限公司 | Risk early warning method, equipment, storage medium and device |
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| CN110706090A (en) * | 2019-08-26 | 2020-01-17 | 阿里巴巴集团控股有限公司 | Credit fraud identification method and device, electronic equipment and storage medium |
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- 2020-02-18 CN CN202010098145.5A patent/CN111192042A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108510279A (en) * | 2018-03-12 | 2018-09-07 | 中国工商银行股份有限公司 | A kind of bank's fraudulent trading determines method and system |
| CN110706090A (en) * | 2019-08-26 | 2020-01-17 | 阿里巴巴集团控股有限公司 | Credit fraud identification method and device, electronic equipment and storage medium |
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| CN112529575A (en) * | 2020-12-14 | 2021-03-19 | 深圳市快付通金融网络科技服务有限公司 | Risk early warning method, equipment, storage medium and device |
| CN112529575B (en) * | 2020-12-14 | 2023-12-22 | 深圳市快付通金融网络科技服务有限公司 | Risk early warning method, equipment, storage medium and device |
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