CN111210221A - NFC digital currency payment system based on block chain technology - Google Patents
NFC digital currency payment system based on block chain technology Download PDFInfo
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- CN111210221A CN111210221A CN201911377242.1A CN201911377242A CN111210221A CN 111210221 A CN111210221 A CN 111210221A CN 201911377242 A CN201911377242 A CN 201911377242A CN 111210221 A CN111210221 A CN 111210221A
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- module
- payment
- block chain
- digital currency
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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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
- G06Q20/4014—Identity check for transactions
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The invention discloses an NFC digital currency payment system based on a block chain technology, which comprises a conversion module, a payment module, an output module, a user receiving end and a user sending end, wherein the output module comprises a payment detection module used for submitting digital currency to the user receiving end for detection, the payment detection module consists of a payment environment detection module and a user receiving end detection module, and the payment environment module is used for detecting terminal equipment of the user receiving end; the payment detection module is arranged on the receiver, so that the money can be collected under the condition that the receiving environment of the fund of the receiver, the personal identity information of the receiver and the account information are matched and verified, and the phenomenon that the money can be collected under the conditions that the identity of other people is falsely used, the receiver has serious credit loss and the like is avoided; the designed payment abnormity alarm module can warn the abnormity of money, payment environment, payer information and the like when submitting payment information.
Description
Technical Field
The invention belongs to the technical field of payment systems, and particularly relates to an NFC digital currency payment system based on a block chain technology.
Background
Near Field Communication (NFC) is an emerging technology, devices (such as mobile phones) using the NFC technology can exchange data when they are close to each other, and is integrated and evolved from a non-contact Radio Frequency Identification (RFID) and interconnection and interworking technology, and by integrating functions of an induction card reader, an induction card and point-to-point communication on a single chip, applications such as mobile payment, electronic ticketing, door access, mobile identity recognition, anti-counterfeiting and the like are implemented by using a mobile terminal.
The existing NFC digital currency payment system still has some defects when in use: although the NFC digital currency payment system can perform digital transaction and calculate and detect the amount of money of the transaction, multiple authentication and detection are often performed only on the payer, so that various information detection on the receiver is ignored, and illegal activities such as collection under the condition of falsifying the identity of other people are likely to occur during use.
Disclosure of Invention
The present invention is directed to a block chain technology-based NFC digital currency payment system, so as to solve the problems in the background art.
In order to achieve the purpose, the invention provides the following technical scheme: the utility model provides a NFC digital currency payment system based on block chain technique, includes conversion module, payment module, output module, user receiving terminal and user's transmitting terminal, output module is including being used for submitting the payment detection module that detects to the user receiving terminal on to digital currency, payment detection module comprises payment environment detection module and user receiving terminal detection module, and wherein payment environment module is used for detecting the terminal equipment of user receiving terminal, and user receiving terminal detection module is used for detecting user's individual personal identity information and account information.
Preferably, the payment module comprises a fund auditing module and a request submitting module, wherein the request submitting module comprises a payment environment detection module for detecting terminal equipment at a user sending end and a payment abnormity warning module for warning abnormity of a payment environment.
Preferably, the payment module is connected with the user sending terminal.
Preferably, the conversion module is composed of a virtual currency generation module, a currency conversion module and an actual payment module, and an input end of the conversion module is connected with an output end of the payment module.
Preferably, the system further comprises a middle-end module for performing middle-transfer output on the input virtual currency, wherein the middle-end module consists of a virtual currency payment module and an output fund auditing module, and the input end of the middle-end module is connected with the output end of the conversion module.
Preferably, the middle-end module further comprises a transaction application unit, a block chain unit and a connection transmission end member.
Preferably, the terminal module further comprises a monitoring alarm unit for detecting the abnormality of the virtual currency payment module.
Preferably, the output end of the middle-end module is connected with a transaction application unit, and the output end of the transaction application unit is connected with the input end of the output module.
Preferably, transaction information recording modules for recording fund flow information and fund conversion virtual currency information are connected between the conversion module and the middle-end module and between the middle-end module and the transaction application unit.
Compared with the prior art, the invention has the beneficial effects that: the payment detection module is arranged on the receiver, so that the money can be collected under the condition that the identity of other people is falsely used, the receiver has serious credit loss and the like, and the use safety is greatly improved; the designed payment abnormity alarm module can warn the abnormity of money amount, payment environment, payer information and the like when submitting payment information so as to remind a payer and a receiver and make timely adjustment.
Drawings
FIG. 1 is a flow chart of the system of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Example 1
Referring to fig. 1, the present invention provides a technical solution: an NFC digital currency payment system based on a block chain technology comprises a conversion module, a payment module, an output module, a user receiving end and a user sending end, wherein the output module comprises a payment detection module used for submitting digital currency to the user receiving end for detection; the payment detection module consists of a payment environment detection module and a user receiving end detection module, wherein the payment environment module is used for detecting terminal equipment of the user receiving end, and the user receiving end detection module is used for detecting personal identity information and account information of a user.
In this embodiment, preferably, the payment module includes a fund auditing module and a request submitting module, where the request submitting module is a payment environment detection module for detecting a terminal device at a user sending end.
In this embodiment, preferably, the payment module is connected to the user terminal.
In this embodiment, preferably, the conversion module is composed of a virtual currency generation module, a currency conversion module, and an actual payment module, and an input end of the conversion module is connected to an output end of the payment module.
In this embodiment, preferably, the system further includes a middle module for performing middle-transfer output on the input virtual currency, where the middle module is composed of a virtual currency payment module and an output fund auditing module, and an input end of the middle module is connected to an output end of the conversion module.
In this embodiment, preferably, the middle-end module further includes a transaction application unit, a block chain unit, and a connection transmission end element.
In this embodiment, preferably, the terminal module further includes a monitoring alarm unit for detecting an abnormality of the virtual currency payment module.
In this embodiment, preferably, the output end of the middle module is connected to a transaction application unit, and the output end of the transaction application unit is connected to the input end of the output module.
In this embodiment, preferably, transaction information recording modules for recording the fund flow information and the fund conversion virtual currency information are connected between the conversion module and the middle-end module, and between the middle-end module and the transaction application unit.
In this embodiment, preferably, the terminal devices of the user sending end and the user receiving end are mobile phones.
Example 2
Referring to fig. 1, the present invention provides a technical solution: an NFC digital currency payment system based on a block chain technology comprises a conversion module, a payment module, an output module, a user receiving end and a user sending end, wherein the output module comprises a payment detection module used for submitting digital currency to the user receiving end for detection; the payment detection module consists of a payment environment detection module and a user receiving end detection module, wherein the payment environment module is used for detecting terminal equipment of the user receiving end, and the user receiving end detection module is used for detecting personal identity information and account information of a user.
In this embodiment, preferably, the payment module includes a fund auditing module and a request submitting module, where the request submitting module is composed of a payment environment detecting module for detecting a terminal device at a user sending end, and a payment abnormality warning module for warning abnormality of the payment environment, and the designed payment abnormality warning module can warn abnormality of amount, payment environment, payer information, and the like when submitting payment information, so as to remind a payer and a receiver and make timely adjustment.
In this embodiment, preferably, the payment module is connected to the user terminal.
In this embodiment, preferably, the conversion module is composed of a virtual currency generation module, a currency conversion module, and an actual payment module, and an input end of the conversion module is connected to an output end of the payment module.
In this embodiment, preferably, the system further includes a middle module for performing middle-transfer output on the input virtual currency, where the middle module is composed of a virtual currency payment module and an output fund auditing module, and an input end of the middle module is connected to an output end of the conversion module.
In this embodiment, preferably, the middle module is composed of a transaction application unit and a blockchain unit.
In this embodiment, preferably, the terminal module further includes a monitoring alarm unit for detecting an abnormality of the virtual currency payment module, where the monitoring alarm unit is connected to the cloud management platform.
In this embodiment, preferably, the output end of the middle module is connected to a transaction application unit, and the output end of the transaction application unit is connected to the input end of the output module.
In this embodiment, preferably, transaction information recording modules for recording the fund flow information and the fund conversion virtual currency information are connected between the conversion module and the middle-end module, and between the middle-end module and the transaction application unit.
In this embodiment, preferably, the terminal devices of the user sending end and the user receiving end are flat panels.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (9)
1. The utility model provides a NFC digital currency payment system based on block chain technique, includes conversion module, payment module, output module, user receiving terminal and user's transmitting terminal, its characterized in that: the output module comprises a payment detection module used for submitting digital currency to a user receiving end for detection, the payment detection module consists of a payment environment detection module and a user receiving end detection module, the payment environment detection module is used for detecting terminal equipment of the user receiving end, and the user receiving end detection module is used for detecting personal identity information and account information of a user.
2. The NFC digital currency payment system based on block chain technology according to claim 1, wherein: the payment module comprises a fund auditing module and a request submitting module, wherein the request submitting module consists of a payment environment detection module for detecting terminal equipment at a user sending end and a payment abnormity alarm module for warning abnormity of a payment environment.
3. The NFC digital currency payment system based on block chain technology according to claim 2, wherein: the payment module is connected with the user sending end.
4. The NFC digital currency payment system based on block chain technology according to claim 1, wherein: the conversion module is composed of a virtual currency generation module, a currency conversion module and an actual payment module, and the input end of the conversion module is connected with the output end of the payment module.
5. The NFC digital currency payment system based on block chain technology according to claim 1, wherein: the system also comprises a middle-end module used for carrying out middle-conversion output on the input virtual currency, wherein the middle-end module consists of a virtual currency payment module and an output fund auditing module, and the input end of the middle-end module is connected with the output end of the conversion module.
6. The NFC digital currency payment system based on block chain technology according to claim 5, wherein: the middle-end module also comprises a transaction application unit, a block chain unit and a connection transmission end element.
7. The NFC digital currency payment system based on block chain technology according to claim 5, wherein: the terminal module also comprises a monitoring alarm unit for detecting the abnormity of the virtual currency payment module.
8. The NFC digital currency payment system based on block chain technology according to claim 1, wherein: the output end of the middle-end module is connected with a transaction application unit, and the output end of the transaction application unit is connected with the input end of the output module.
9. The NFC digital currency payment system based on block chain technology according to claim 8, wherein: and transaction information recording modules for recording fund flow information and fund conversion virtual currency information are connected between the conversion module and the middle-end module and between the middle-end module and the transaction application unit.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911377242.1A CN111210221A (en) | 2019-12-27 | 2019-12-27 | NFC digital currency payment system based on block chain technology |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201911377242.1A CN111210221A (en) | 2019-12-27 | 2019-12-27 | NFC digital currency payment system based on block chain technology |
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| CN111210221A true CN111210221A (en) | 2020-05-29 |
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| CN201911377242.1A Pending CN111210221A (en) | 2019-12-27 | 2019-12-27 | NFC digital currency payment system based on block chain technology |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112132576A (en) * | 2020-09-07 | 2020-12-25 | 陈建芸 | Payment information processing method based on block chain communication and block chain information platform |
| CN112417460A (en) * | 2020-11-24 | 2021-02-26 | 陈敏 | Payment data processing method based on big data and block chain and cloud server |
-
2019
- 2019-12-27 CN CN201911377242.1A patent/CN111210221A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112132576A (en) * | 2020-09-07 | 2020-12-25 | 陈建芸 | Payment information processing method based on block chain communication and block chain information platform |
| CN112417460A (en) * | 2020-11-24 | 2021-02-26 | 陈敏 | Payment data processing method based on big data and block chain and cloud server |
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