CN111340475A

CN111340475A - Prepaid card transaction processing method and device based on block chain and intelligent terminal

Info

Publication number: CN111340475A
Application number: CN202010120826.7A
Authority: CN
Inventors: 袁立威; 王凌斌; 丁雪丰; 王莹
Original assignee: Ping An One Wallet E Commerce Co Ltd
Current assignee: Ping An One Wallet E Commerce Co Ltd
Priority date: 2020-02-26
Filing date: 2020-02-26
Publication date: 2020-06-26

Abstract

The application is applicable to the technical field of transaction processing, and provides a prepaid card transaction processing method and device based on a block chain and an intelligent terminal. The method comprises the following steps: acquiring prepaid card transaction demand information of a first user and second user information of a second user specified by the prepaid card transaction demand information; according to the second user information of the second user, performing risk verification on the second user to obtain a risk level of the second user; if the risk level of the second user is smaller than or equal to a preset risk level, acquiring first user information generated when the first user is registered on the block chain; invoking a predefined transaction rules module on the blockchain to provide prepaid card transaction processing for the first user based on the first user information and the prepaid card transaction demand information. The method and the device can guarantee the safety of the prepaid card assets of the user, avoid the tampering and the loss of transaction information, and improve the safety of transaction.

Description

Prepaid card transaction processing method and device based on block chain and intelligent terminal

Technical Field

The application belongs to the technical field of transaction processing, and particularly relates to a prepaid card transaction processing method and device based on a block chain and an intelligent terminal.

Background

The prepaid card application is a business model for purchasing goods or services within a range established by an issuer with the purpose of profit, and includes an electronic payment card issued in the form of a card, a password, etc. using technologies such as a magnetic stripe, a chip, etc. Prepaid cards have become increasingly popular in everyday life as a merchant providing prepaid credentials for a user to specify a good or service. Through using the prepaid card, the user can save cash payment and change process, daily consumption is more convenient, and the merchant can also consolidate the customer group and obtain more profits.

Although the development prospect of the prepaid card is wide, the development of the prepaid card is hindered due to inherent characteristics of the prepaid card. In the prior art, prepaid card transactions cannot be effectively supervised and managed, although a supervision organization is used as a credit endorsement, security caused by vulnerabilities of an application program can still be avoided, prepaid information, consumption information and the like have risks of tampering and losing, and the rights and interests of consumers cannot be guaranteed.

Disclosure of Invention

In view of this, embodiments of the present application provide a prepaid card transaction processing method and apparatus based on a block chain, and an intelligent terminal, so as to solve the problems in the prior art that prepaid card transactions cannot be effectively supervised and managed, security caused by vulnerabilities of an application program itself may still be unavoidable despite that a supervising authority is used as a credit endorsement, prepaid information, consumption information, and the like have risks of tampering and loss, and rights and interests of consumers cannot be guaranteed.

In a first aspect, an embodiment of the present application provides a prepaid card transaction processing method based on a block chain, including:

acquiring prepaid card transaction demand information of a first user and second user information of a second user specified by the prepaid card transaction demand information;

according to the second user information of the second user, performing risk verification on the second user to obtain a risk level of the second user;

if the risk level of the second user is smaller than or equal to a preset risk level, acquiring first user information generated when the first user is registered on the block chain;

invoking a predefined transaction rules module on the blockchain for conversion of digital assets on the blockchain to provide prepaid card transaction processing for the first user based on the first user information and the prepaid card transaction demand information.

In a second aspect, an embodiment of the present application provides a prepaid card transaction processing apparatus based on a block chain, including:

a first information acquisition unit for acquiring prepaid card transaction demand information of a first user and second user information of a second user specified by the prepaid card transaction demand information;

the risk evaluation unit is used for carrying out risk verification on the second user according to second user information of the second user to obtain a risk level of the second user;

a second information obtaining unit, configured to obtain first user information generated when the first user registers on the blockchain if the risk level of the second user is less than or equal to a preset risk level;

and the prepaid card transaction processing unit is used for calling a predefined transaction rule module on the blockchain to provide prepaid card transaction processing for the first user based on the first user information and the prepaid card transaction demand information, and the predefined transaction rule module is used for converting digital assets on the blockchain.

In a third aspect, embodiments of the present application provide a computer-readable storage medium storing a computer program, which when executed by a processor, implements a prepaid card transaction processing method based on a blockchain as set forth in the first aspect of the embodiments of the present application.

In a fourth aspect, the present application provides an intelligent terminal, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor executes the computer program to implement the method for processing prepaid card transaction based on block chain as set forth in the first aspect of the present application.

In a fifth aspect, the present application provides a computer program product, which when run on a terminal device, causes the terminal device to execute the prepaid card transaction processing method based on the blockchain according to the first aspect.

In the embodiment of the application, before the first user information of the first user is acquired, risk evaluation is carried out on the second user, risks are avoided in advance for transactions of the first user, the safety of the transactions can be effectively improved, a blockchain is used as a third party supervision platform to supervise the transactions of the prepaid card, a predefined transaction rule module is called to provide transaction processing for the users of the prepaid card, the digital prepaid card assets of the users are guaranteed to be safe from a code level and a rule wind control level, tampering and loss of transaction information are avoided, the safety of the transactions is improved, and rights and interests of the users are effectively guaranteed.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.

Fig. 1 is a flowchart of an implementation of a block chain based prepaid card transaction processing method according to an embodiment of the present application;

fig. 2 is a flowchart illustrating an implementation of a block chain-based prepaid card transaction processing method S104 according to an embodiment of the present application;

fig. 3 is a flowchart illustrating an embodiment of a block chain-based prepaid card transaction processing method a4 according to the present application;

fig. 4 is a flowchart illustrating a specific implementation of a block chain based prepaid card transaction processing method S104 according to another embodiment of the present application;

fig. 5 is a flowchart illustrating an embodiment of a block chain-based prepaid card transaction processing method B2 according to the present application;

fig. 6 is a block diagram of a block chain based prepaid card transaction processing arrangement according to an embodiment of the present application;

fig. 7 is a schematic diagram of an intelligent terminal provided in an embodiment of the present application.

Detailed Description

In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the present application. It will be apparent, however, to one skilled in the art that the present application may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present application with unnecessary detail. Furthermore, in the description of the present application and the appended claims, the terms "first," "second," "third," and the like are used for distinguishing between descriptions and not necessarily for describing or implying relative importance.

The application provides a prepaid card transaction processing method based on a block chain, which can improve the security of prepaid card transaction processing.

Fig. 1 shows an implementation flow of a block chain-based prepaid card transaction processing method provided by an embodiment of the present application, and the method flow includes steps S101 to S104. The specific realization principle of each step is as follows:

s101: the method comprises the steps of obtaining prepaid card transaction demand information of a first user and second user information of a second user designated by the prepaid card transaction demand information.

In the embodiment of the invention, after the information of the transaction requirement of the prepaid card of the user is acquired, the intelligent contract mechanism running in the block chain is triggered, and the transaction process of the prepaid card data is fulfilled through the intelligent contract mechanism, wherein the whole transaction process of the prepaid card is carried out based on the intelligent contract mechanism of the block chain. Specifically, a second user, who the first user wants to perform a transaction, is determined according to the prepaid card transaction requirement information of the first user. The first user can designate a second user to be traded in the prepaid card transaction demand information and then acquire user information of the second user; or the first user provides the user identification of the second user to be traded in the prepaid card transaction demand information, and the second user information of the second user is obtained according to the user identification of the second user in the prepaid card transaction demand information. In this embodiment of the application, the first user may be a consumer and the second user is a merchant, or the first user may be a merchant and the second user is a consumer, which is not limited herein.

S102: and performing risk verification on the second user according to the second user information of the second user to obtain the risk level of the second user.

Specifically, registration information of the second user on the blockchain and historical transaction information of the second user in the near term (within a specified time period) are acquired, and risk verification is performed on the second user according to the registration information of the second user and the historical transaction information within the specified time period, for example, whether a registration certificate in the registration information of the second user is expired or not is verified, and whether historical risk transactions exist in the historical transaction information or not is verified. Optionally, risk verification may be performed through a pre-established wind control model, and the risk level of the second user is obtained.

S103: and if the risk level of the second user is less than or equal to a preset risk level, acquiring first user information generated when the first user is registered on the block chain.

In this embodiment, a lowest risk level capable of performing a transaction is preset, whether the risk level of the second user is less than or equal to the preset risk level is determined, and if the risk level of the second user exceeds the preset risk level, the user is notified that the transaction cannot be performed. And if the risk level of the second user is smaller than or equal to a preset risk level, judging that the second user passes risk verification, and acquiring first user information generated when the first user is registered on the block chain.

In an embodiment of the present application, the first user needs to register with the blockchain before conducting a transaction on the blockchain. Specifically, identity information of a first user is obtained, the identity information is verified, for example, whether the identity information is a real name is verified, after the identity information passes the verification, parameter verification is performed, and first user information on a block chain is generated for the first user, where the first user information includes an account address, a public key, and a private key. And further, calling an encryption machine to encrypt the private key of the user. And if the risk level of the second user reaches the lowest preset risk level, acquiring first user information generated when the first user is registered on the block chain. In one embodiment, the public-private key pair may be generated using a predetermined cryptographic device, such as a public-private key pair generator or a device containing a cryptographic chip. In a 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, in this embodiment of the present application, the second user also needs to be a user who has registered on the blockchain, the registration manner of the second user on the blockchain is the same as that of the first user, and the user information of the second user includes an account address, a public key, and a private key.

In the embodiment of the application, the risk verification is carried out on the second user appointed to be transacted by the first user, and the processing of the transaction of the prepaid card is carried out after the second user passes the risk verification, namely the risk of the second user to be transacted is effectively evaluated, so that the risk is avoided for the transaction of the first user in advance, and the transaction safety is effectively improved.

S104: invoking a predefined transaction rules module on the blockchain for conversion of digital assets on the blockchain to provide prepaid card transaction processing for the first user based on the first user information and the prepaid card transaction demand information.

In an embodiment of the application, the first user prepaid card transaction is processed on the blockchain by invoking a predefined transaction rules module. 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.

In an embodiment of the present application, the predefined transaction rule module is used for performing conversion of digital assets on a blockchain, and the definition step of the predefined transaction rule module comprises a custom bytecode language PADPC. The specific definition process is as follows:

1. defining basic language behaviors, specifically comprising:

1.1, defining Global state Global state to support safe update of Global state. Mapping addresses to accounts, wherein the accounts need to contain Resources (Resources) and Region codes (Region), one account can support one or more Resources and one or more regions, but different Resources have different identifiers, and different regions also have different identifiers.

1.2, defining a Region (Region), wherein the Region comprises a name, a structure declaration (comprising a resource) and a program declaration. The code may reference the published region using a unique identifier consisting of the account address and the region name of the region. The region designator corresponds to a namespace defining the structure type and procedure of the code outside the region. Declarations and type rules for the region may be created, written, and destroyed in the region. The zone supports flexible defining of rich access control policies for resources, e.g., the zone may define a resource type that can only be destroyed if the m field is 0, or a resource that can only be published under a specific account address.

1.3, define Types (Types), support base Types and resource Types. Basic types include boolean values, 64-bit unsigned integers, byte arrays, 256-bit account addresses, and the like. The resource type is a user-defined type of region declaration, specified by the Resources field. To implement a secure digital prepaid card asset, the resource variables and configuration fields of the resource type are restricted by the bytecode verifier so that the resource variables cannot be copied and must always be moved.

1.4, the define Procedures and Transactions Procedures consist of visibility, type parameters and return types. The process declaration contains a signature, a local type, and a bytecode instruction array. Process visibility can be public or internal. Internal procedures can only be called by other procedures in the same module. The common procedure can be invoked in any area or thing script. A process can be uniquely identified by his region identifier and his signature. The call bytecode instruction requires a unique procedure ID as input, which ensures that all calls are static without function pointers or virtual calls. The block chain state is updated by a transaction script that can invoke the common processes of any module currently published under the account.

2. The definition bytecode verifier specifically includes: the static execution security attributes are enforced by the bytecode verifier for any region or anything that is not published. Checking the constant, type signature, resource and process, wherein the checking is mainly divided into four categories, one is structure yield reduction, ensures good format of the byte code table, these checks may find non-published indexes, duplicate entries and illegal type signatures, etc., secondly semantic checks of process entities, finding incorrect process parameters, empty references and copied resources, thirdly checking whether the call type is correct, finding illegal calls of internal processes and using process identifiers that do not match their statements, fourthly, the most important class check, mainly checking resource security, if the resource is not reproducible, the resource cannot be destroyed, the resource must be used, and the resource cannot be destroyed by the program execution interrupted by the error (no state change generated by the script part execution is submitted to the global state, and the resource in the stack local variable will be recovered when the operation fails).

3. Setting a byte code compiler, specifically comprising: the compiler executes on a stack basis, with an instruction using operands from the stack and pushing the results onto the stack. The byte code compiler is used for executing the byte code instruction of the called process of the predefined transaction rule module.

4. The bytecode runs. And after the byte codes are compiled, the byte codes are operated in the virtual machine, and after the byte codes are successfully operated, the global state of the block chain is changed.

In an embodiment of the application, the predefined transaction rule module supports a first designated process instruction, a second designated process instruction and a third designated process instruction, the first designated process instruction is used for acquiring the digital prepaid value, the second designated process instruction is used for creating the prepaid card resource, and the third designated process instruction is used for destroying the prepaid card resource.

In the embodiment of the application, the area pacurrenty is defined through a customized padc language, and the safe digital prepaid card asset PAT is defined in the area pacurrenty, wherein the PAT is a resource type, the single field value type is a 64-bit unsigned integer, the value of the resource PAT can be created/destroyed only in the pacurrenty area, and other areas can only perform mobile operation on the PAT. It should be noted that, the above process ensures that the resource will never be copied, reused or lost, and realizes the protected custom resource. The system refuses to copy the resource by changing move to copy, in other words, the PAT resource type does not support copy and only supports move; the system refuses to reuse the money through two move (, and when the resource is moved for the first time, the second time of movement will report an error, thereby effectively ensuring the safety of the transaction.

In the embodiment of the application, the resource type is redefined through a predefined transaction rule module, digital asset units on a block chain are flexibly defined, and the conversion between digital assets and real digital assets on the block chain is solved; the resource type and the bytecode verifier ensure that the resource cannot be copied or discarded, and the safety of the transaction program is ensured by checking the safety of the resource type and the memory on the blockchain.

Prepaid card transactions on the blockchain include top-up transactions and consumer transactions. As an embodiment of the present application, when the user performs an online digital prepaid card transfer operation, the prepaid card transaction demand information includes a transaction account of the second user, the predefined transaction rule module includes a first designated process instruction and a second designated process instruction, as shown in fig. 2, and the S104 specifically includes:

a1: and determining a first personal area of the first user to which the blockchain belongs according to the first user information of the first user. The first personal area is an area divided for the first user when the first user registers on the blockchain.

A2: executing a first designated process instruction in the first person region to obtain a numeric prepaid value, the first designated process instruction being for obtaining a numeric prepaid value. Wherein the first specified procedure instruction may be a fromsender _ withdraw. Specifically, the prepaid card transaction demand information includes a transaction amount, and a first specified process instruction is executed in the first personal area based on the transaction amount to obtain a digital prepaid value, wherein the digital prepaid value is a coded representation of the transaction amount on the blockchain.

A3: and calling a second specified process instruction to create a temporary prepaid card resource, wherein the temporary prepaid card resource carries the digital prepaid value, and the second specified process instruction is used for creating the prepaid card resource. For example, the second procedure instruction may be a PACreate call instruction, i.e., a call PACreate create and new resource.

A4: and sending the temporary prepaid card resource carrying the digital prepaid value to the transaction account of the second user. Specifically, the temporary prepaid card resource carrying the digital prepaid value is transmitted to a second personal area of the second subscriber in the block chain.

Optionally, the predefined transaction rule module further includes a third specified process instruction, as shown in fig. 3, a specific implementation flow of the step a4 is as follows:

a41: and calling a third appointed process instruction to extract the digital prepayment value in the temporary prepayment card resource and destroy the temporary prepayment card resource, wherein the third appointed process instruction is used for destroying the prepayment card resource. For example, the third specified procedure instruction may be a paddestroy call instruction, i.e., a call to paddestroy destroy the resource.

A42: and acquiring second prepaid card asset information corresponding to the first user in the transaction account of the second user. Specifically, when a first user registers and registers a prepaid card of a second user, a corresponding relation between the first user and an identifier of the prepaid card of the registered second user is established, the second prepaid card corresponding to the first user in a transaction account of the second user is determined according to the corresponding relation, and then second prepaid card asset information is determined. In this embodiment, the transaction account of the second user includes second prepaid card asset information corresponding to the first user, and may further include prepaid card asset information corresponding to other users. For example, a merchant may sell prepaid cards to multiple consumers, who may purchase the prepaid cards of multiple merchants at the same time.

A43: updating the second prepaid card asset information based on the digital prepaid value. Specifically, when the transaction requirement in the prepaid card transaction requirement information is a recharging transaction, the recharging digital prepaid value in the second prepaid card asset information is increased according to the digital prepaid value; and when the transaction requirement in the prepaid card transaction requirement information is consumption transaction, increasing the consumption digital prepaid value in the second prepaid card asset information according to the digital prepaid value, and decreasing the recharging digital prepaid value in the second prepaid card asset information according to the digital prepaid value.

A44: and acquiring first prepaid card asset information in a first transaction account of the first user, and updating the prepaid card asset information of the first user according to the digital prepaid value. Specifically, when the transaction requirement in the prepaid card transaction requirement information is a recharging transaction, the recharging digital prepaid value in the first prepaid card asset information is increased according to the digital prepaid value; and when the transaction requirement in the prepaid card transaction requirement information is consumption transaction, reducing the recharging prepaid value in the first prepaid card asset information according to the digital prepaid value.

Illustratively, taking an application scenario as an example, a transaction account of a merchant to be transacted by a consumer and a transaction amount to be transferred are obtained. Performing a from sender _ withdraw process in a personal area of a block chain to which a consumer belongs to obtain a numeric predictive value; acquiring prepaid card asset information under a transaction account of a consumer, wherein a value corresponding to a digitalprepaidvalue is subtracted from a recharge prepaid value in the prepaid card asset information; calling PACreate to create and return a new temporary prepaid card resource carrying the above digitalprepaidvalue, which can only be called in the merchant's personal area and which the merchant can move to any other account; the consumer invokes the torser _ position process to move the digitalprepaidvalue resource to the payment merchant account; specifically, PADestroy is called to destroy the digital prepaid card resource and record the value of digitalprapidatevalue; and acquiring the prepaid card asset information corresponding to the consumer stored under the transaction account of the merchant, and adding the consumption digital prepaid value in the prepaid card asset information of the merchant with the digitalprepaidvalue value.

In the embodiment of the application, the resource type of the digital prepayment value is prohibited to be reused through two times of movement, so that the currency is prevented from being reused, and the safety of transaction can be effectively guaranteed.

Optionally, in this embodiment of the present application, an endorsement policy corresponding to the risk level of the second user is selected, and prepaid card transaction processing is provided for the first user on the blockchain based on the prepaid card transaction demand information of the first user and the endorsement policy corresponding to the risk level of the second user. And comparing the proposal feedback of the endorsement nodes according to the endorsement strategy, judging whether the returned result is in accordance with the expected result, if so, submitting the relevant transaction information and the verification signature information of all the endorsement nodes to a sequencing node, carrying out consensus sequencing on the received transaction information and the verification signature information by the sequencing node, generating a block, submitting the block to the submitting node, and processing the block by the node. Specifically, when a transaction is performed on the blockchain, transaction verification needs to be performed through the endorsement node, the signed transaction is decrypted by using the public key in the first user information, after the decryption is successful, information such as whether a parameter is empty or not, whether the transaction is processed or not is verified, after the transaction verification is successful, increase and decrease related operations of balance in an account of the user on the blockchain are executed, and execution of private key signatures of the pre-result set and the endorsement node is returned.

The blockchain may include: public chains, federation chains, private chains, and the like. In this embodiment, the prepaid card transaction is run in a federation chain. The alliance chain is a block chain, wherein, only a few nodes with high trust need to verify during data transaction of the alliance chain, the whole network confirmation is not needed, the nodes can be well connected, manual intervention and repair can be realized when a fault occurs, and a consensus algorithm is allowed to be used for reducing the block time, so that the transaction speed can be improved. In addition, constraint terms can be added to intelligent contracts in the alliance chain, and the contracts can be supervised, so that the transaction processing process of the prepaid card can be effectively supervised, and the security of transaction data of the prepaid card is improved. In specific implementation, the intelligent contract may include information such as identity information of both parties of the data exchange, feature information of the exchanged data, data usage specifications to be complied with by both parties, and penalty measures in default, so that after the data demander obtains transaction data, if a place inconsistent with the contract description is found, the data demander may trigger the intelligent contract to automatically take corresponding measures.

As an embodiment of the present application, the blockchain is a federation chain, and fig. 4 shows a specific implementation flow of the blockchain-based prepaid card transaction processing method S104 provided by the embodiment of the present application, which is detailed as follows:

b1: and if the second user specified by the prepaid card transaction demand information is not the preset transaction user when the first user registers on the blockchain, determining whether the second user and the preset transaction user are alliance users. Specifically, when a first user registers in a blockchain, a transaction user for performing prepaid card transaction needs to be preset, and when a second user for a specified transaction in the prepaid card transaction demand information of the first user is not the preset transaction user, whether the second user and the preset transaction user are both alliance users is judged. The alliance user refers to a user forming an alliance in a block chain, and the number prepayment value of the user in the alliance can be universal.

B2: and if the second user and the preset transaction user are both alliance users, determining whether the first user is qualified to obtain an alliance public key. Users on the federation chain conduct transactions through the federation public key.

Optionally, the predefined transaction rule module further includes a third designated process instruction, as shown in fig. 5, if both the second user and the preset transaction user are federated users, a specific implementation procedure for determining whether the first user qualifies to obtain a federated public key includes:

b21: and acquiring historical login information, historical transaction information and historical evaluation information of the first user.

B22: and determining the login activity of the first user according to the historical login frequency and the historical login duration in the historical login information.

B23: and determining the transaction activity of the first user according to the historical transaction frequency and the historical transaction amount in the historical transaction information.

B24: and determining the credit rating of the first user according to the historical evaluation information and a preset rating level credit comparison standard.

B25: and grading the first user according to the login activity, the transaction activity and the credit to obtain a first user grade.

B26: and if the first user score is larger than or equal to a preset score threshold value, determining that the first user is qualified for obtaining a federation public key. And if the first user score is smaller than a preset score threshold value, determining that the first user does not have the qualification of acquiring the federation public key.

Illustratively, login information of a user in nearly three months is obtained, the login activity score of the user is calculated according to login rate and login duration of each time, the transaction activity score of the user is calculated according to the login information of nearly three months, the transaction data of nearly three months of the user comprises transaction number of the user in the last three months, total transaction amount, refund rate of transactions and the like, the credit score of the user is calculated according to the rating, the evaluation of merchants in nearly three months is obtained, the credit score of the user is converted through the evaluation level, the user is scored according to the user scores of the three dimensions, the average value of all the three dimensions, the average login activity α, the average transaction activity β and the average credit gamma are calculated for the user, after sample analysis, the user is considered to be superior in the dimension if the score exceeds x times of the average value, the RMF model of the economic field is utilized, the score of the superior dimension can be 1, otherwise, the score of the user can be 0, the user is ranked according to the ranking order (111, 011, 110, 101, 010, 100, 000, the importance score of the user score is obtained, the user score is determined according to the public key, if the user score is determined that the user score exceeds the public key is set, and the public key is further the user score of the user score which is determined that the user score of the user is determined that the user score of the user is greater than the user score of the rank is determined that the public key.

Optionally, if the first user is a new user and there is no historical login information, historical transaction information, and historical evaluation information, determining the user score of the first user includes: and determining the trust degree of the first user by adopting a weighted summation calculation method for each influence factor according to at least one influence factor of the payment amount, the priority and the identity type of the first user.

B3: and if the first user is qualified to obtain the federation public key, the first user is dispatched with the federation public key. The federation public key may be used to conduct a prepaid card transaction with any second user in the federation.

B4: invoking the federation public key and the predefined transaction rules module on the federation chain to provide prepaid card transaction processing for the first user based on the first user information and the prepaid card transaction demand information.

In this embodiment of the application, if a second user in the prepaid card transaction demand information is not a preset transaction user during registration of the first user, it is determined whether the second user and the preset transaction user are alliance users, and if so, it is further determined whether the user has a qualification for obtaining an alliance public key. If the first user is qualified to obtain the alliance public key, the alliance public key is distributed to the first user, the alliance public key and the predefined transaction rule module are called on the alliance chain to provide prepaid card transaction processing for the first user, the experience of the user in prepaid card transaction can be enhanced, and the security of the prepaid card transaction can be guaranteed.

As an embodiment of the present application, in order to better maintain the overall image of the alliance merchant, the behavior of the alliance merchant is standardized, and the consumer is better served by dynamically updating the second user in the alliance, wherein the second user in the alliance, i.e. the merchant, has the qualification of issuing the prepaid card, i.e. dynamically updating the merchant in the alliance, so as to implement the dynamic alliance. Dynamic federation refers to the second user that makes up the federation dynamically changing. The dynamic alliance can be dynamic for establishing the alliance, and can also be dynamic increase and decrease of merchants in the alliance. Specifically, each alliance needs to set an alliance scoring control line, merchant scoring is dynamically read, and if the merchant scoring is lower than the control line, the function of issuing the prepaid card on the alliance chain by the merchant is automatically cancelled, and meanwhile, a user is not allowed to consume the digital prepaid card of the alliance in the merchant; if the merchant score is above the score control line, the merchant can automatically join the alliance and issue a digital prepaid card on the alliance chain. In particular, the merchant score may be determined based on the merchant's registration information and historical prepaid card transaction behavior information.

Optionally, the block chain-based prepaid card transaction processing method further includes:

s105: and re-encrypting the transaction data generated by the transaction processing of the prepaid card, and storing the re-encrypted transaction data obtained after re-encryption.

In the embodiment of the application, in the transaction processing process of the prepaid card, transaction data generated in the transaction process are acquired in real time, the transaction data are re-encrypted in real time by using the re-encryption key, and the transaction data obtained after re-encryption are stored. When the user needs to inquire the re-encrypted data, the user can decrypt the re-encrypted transaction data by using the private key of the user to obtain the transaction data. Security of the user's prepaid card transaction is further enhanced by re-encrypting the transaction data.

In the embodiment of the application, by acquiring the prepaid card transaction requirement information of the first user and the second user information of the second user specified by the prepaid card transaction requirement information, and then according to the second user information of the second user, performing risk verification on the second user, acquiring the risk level of the second user, performing risk assessment on a merchant to be transacted in advance, transaction risk can be effectively avoided for the user, if the risk level of the second user is less than or equal to the preset risk level, first user information generated when the first user registers on the blockchain is acquired, and finally, based on the first user information and the prepaid card transaction demand information, invoking a predefined transaction rules module on the blockchain for providing prepaid card transaction processing for the first user, the predefined transaction rules module for conversion of digital assets on the blockchain. The method and the system take the blockchain as a third-party monitoring platform to monitor the transaction of the prepaid card, call the predefined transaction rule module to provide the transaction processing of the prepaid card for the user, ensure the asset security of the digital prepaid card of the user from the code level and the rule wind control level, and avoid the tampering and the loss of transaction information, thereby improving the security of the transaction and effectively ensuring the rights and interests of the user.

It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present application.

Corresponding to the block chain based prepaid card transaction processing method described in the above embodiment, fig. 6 shows a block diagram of a block chain based prepaid card transaction processing apparatus provided in the embodiment of the present application, and for convenience of explanation, only the parts related to the embodiment of the present application are shown.

Referring to fig. 6, the block chain-based prepaid card transaction processing apparatus includes: a first information acquisition unit 61, a risk assessment unit 62, a second information acquisition unit 63, a prepaid card transaction processing unit 64, wherein:

a first information acquisition unit 61 for acquiring prepaid card transaction demand information of a first user and second user information of a second user specified by the prepaid card transaction demand information;

the risk evaluation unit 62 is configured to perform risk verification on the second user according to second user information of the second user, and obtain a risk level of the second user;

a second information obtaining unit 63, configured to obtain first user information generated when the first user registers on the blockchain if the risk level of the second user is less than or equal to a preset risk level;

a prepaid card transaction processing unit 64 for invoking a predefined transaction rules module on the blockchain for providing prepaid card transaction processing for the first user based on the first user information and the prepaid card transaction demand information, the predefined transaction rules module for conversion of digital assets on the blockchain.

Optionally, the prepaid card transaction demand information includes a transaction account of the second user, the predefined transaction rule module includes first and second designated process instructions, and the prepaid card transaction processing unit 64 includes:

the first region determining module is used for determining a first person region of the first user in the block chain according to first user information of the first user;

a first instruction execution module, configured to execute a first specified process instruction in the first personal area to obtain a numeric prepaid value, where the first specified process instruction is used to obtain the numeric prepaid value;

the second instruction execution module is used for calling a second specified process instruction and creating a temporary prepaid card resource, the temporary prepaid card resource carries the digital prepaid value, and the second specified process instruction is used for creating the prepaid card resource;

and the first transaction processing module is used for sending the temporary prepaid card resource carrying the digital prepaid value to the transaction account of the second user.

Optionally, the first transaction processing module comprises:

a third instruction execution submodule for calling a third designated process instruction to extract the digital prepayment value in the temporary prepayment card resource and destroy the temporary prepayment card resource, wherein the third designated process instruction is used for destroying the prepayment card resource;

the first asset information acquisition submodule is used for acquiring second prepaid card asset information corresponding to the first user in the transaction account of the second user;

and the first information updating submodule is used for updating the second prepaid card asset information according to the digital prepaid value.

Optionally, the first transaction processing module further comprises:

the second asset information acquisition submodule is used for acquiring the first prepaid card asset information in the first transaction account of the first user;

and the second information updating submodule is used for updating the prepaid card asset information of the first user according to the digital prepaid value.

Optionally, the prepaid card transaction processing unit 64 includes:

a alliance user determining module, configured to determine whether a second user specified by the prepaid card transaction requirement information and a preset transaction user are alliance users if the second user is not the preset transaction user when the first user registers on a blockchain;

the public key qualification determining module is used for determining whether the first user has qualification for acquiring a federation public key if the second user and the preset transaction user are both federation users;

a public key obtaining module, configured to dispatch the federation public key to the first user if the first user qualifies to obtain the federation public key;

a second transaction processing module for invoking the federation public key and the predefined transaction rules module on the federation chain to provide prepaid card transaction processing for the first user based on the first user information and the prepaid card transaction demand information.

Optionally, the public key qualification determining module includes:

the historical information acquisition submodule is used for acquiring historical login information, historical transaction information and historical evaluation information of the first user;

the login activity determining submodule is used for determining the login activity of the first user according to the historical login frequency and the historical login duration in the historical login information;

the transaction activity determining submodule is used for determining the transaction activity of the first user according to the historical transaction frequency and the historical transaction amount in the historical transaction information;

the credit degree determining submodule is used for determining the credit degree of the first user according to the historical evaluation information and a preset rating level credit comparison standard;

the user scoring submodule is used for scoring the first user according to the login activity, the transaction activity and the credit degree to obtain a first user score;

the public key qualification determining submodule is used for determining that the first user has qualification for acquiring the federation public key if the first user score is greater than or equal to a preset score threshold; and if the first user score is smaller than a preset score threshold value, determining that the first user does not have the qualification of acquiring the federation public key.

Optionally, the block chain-based prepaid card transaction processing apparatus further comprises:

and the re-encryption unit is used for re-encrypting the transaction data generated by the transaction processing of the prepaid card and storing the re-encrypted transaction data obtained after re-encryption.

In the embodiment of the application, by acquiring the prepaid card transaction requirement information of the first user and the second user information of the second user specified by the prepaid card transaction requirement information, and then according to the second user information of the second user, performing risk verification on the second user, acquiring the risk level of the second user, and acquiring first user information generated when the first user is registered on a block chain if the risk level of the second user is less than or equal to a preset risk level, namely, the risk evaluation is carried out on the second user, the risk is avoided in advance for the transaction of the first user, the transaction safety can be effectively improved, and finally, based on the information of the first user and the transaction demand information of the prepaid card, invoking a predefined transaction rules module on the blockchain for providing prepaid card transaction processing for the first user, the predefined transaction rules module for conversion of digital assets on the blockchain. The method and the system take the blockchain as a third-party monitoring platform to monitor the transaction of the prepaid card, call the predefined transaction rule module to provide the transaction processing of the prepaid card for the user, ensure the asset security of the digital prepaid card of the user from the code level and the rule wind control level, and avoid the tampering and the loss of transaction information, thereby improving the security of the transaction and effectively ensuring the rights and interests of the user.

Embodiments of the present application also provide a computer-readable storage medium storing computer-readable instructions, which when executed by a processor implement the steps of any one of the prepaid card transaction processing methods based on a blockchain as shown in fig. 1 to 5.

The embodiment of the present application further provides a computer program product, which when run on an intelligent terminal, causes the intelligent terminal to execute the steps of implementing any one of the prepaid card transaction processing methods based on the block chain as shown in fig. 1 to 5.

The embodiment of the present application further provides an intelligent terminal, which includes a memory, a processor, and computer readable instructions stored in the memory and executable on the processor, and the processor executes the computer readable instructions to implement the steps of any one of the prepaid card transaction processing methods based on the block chain as shown in fig. 1 to 5.

Fig. 7 is a schematic diagram of an intelligent terminal according to an embodiment of the present application. As shown in fig. 7, the intelligent terminal 7 of this embodiment includes: a processor 70, a memory 71, and computer readable instructions 72 stored in the memory 71 and executable on the processor 70. The processor 70, when executing the computer readable instructions 72, implements the steps in the various blockchain-based prepaid card transaction processing method embodiments described above, such as steps 101 through 104 shown in fig. 1. Alternatively, the processor 70, when executing the computer readable instructions 72, implements the functionality of the modules/units in the device embodiments described above, such as the functionality of the units 61 to 64 shown in fig. 6.

Illustratively, the computer readable instructions 72 may be partitioned into one or more modules/units that are stored in the memory 71 and executed by the processor 70 to accomplish the present application. The one or more modules/units may be a series of computer-readable instruction segments capable of performing specific functions, which are used for describing the execution process of the computer-readable instructions 72 in the intelligent terminal 7.

The intelligent terminal 7 can be a computing device such as a smart phone, a notebook, a palm computer, a server and a cloud server. The intelligent terminal 7 may include, but is not limited to, a processor 70 and a memory 71. It will be understood by those skilled in the art that fig. 7 is only an example of the intelligent terminal 7, and does not constitute a limitation to the intelligent terminal 7, and may include more or less components than those shown, or combine some components, or different components, for example, the intelligent terminal 7 may further include an input-output device, a network access device, a bus, etc.

The Processor 70 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, discrete hardware component, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

The storage 71 may be an internal storage unit of the intelligent terminal 7, such as a hard disk or a memory of the intelligent terminal 7. The memory 71 may also be an external storage device of the intelligent terminal 7, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, which are equipped on the intelligent terminal 7. Further, the memory 71 may also include both an internal storage unit and an external storage device of the smart terminal 7. The memory 71 is used for storing the computer readable instructions and other programs and data required by the intelligent terminal. The memory 71 may also be used to temporarily store data that has been output or is to be output.

It should be noted that, for the information interaction, execution process, and other contents between the above-mentioned devices/units, the specific functions and technical effects thereof are based on the same concept as those of the embodiment of the method of the present application, and specific reference may be made to the part of the embodiment of the method, which is not described herein again.

It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, all or part of the processes in the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium and can implement the steps of the embodiments of the methods described above when the computer program is executed by a processor. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer readable medium may include at least: any entity or device capable of carrying computer program code to a photographing apparatus/terminal apparatus, a recording medium, computer Memory, Read-Only Memory (ROM), random-access Memory (RAM), an electrical carrier signal, a telecommunications signal, and a software distribution medium. Such as a usb-disk, a removable hard disk, a magnetic or optical disk, etc. In certain jurisdictions, computer-readable media may not be an electrical carrier signal or a telecommunications signal in accordance with legislative and patent practice.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.

The above-mentioned embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present application and are intended to be included within the scope of the present application.

Claims

1. A method for processing prepaid card transactions based on blockchains, comprising:

2. The blockchain-based prepaid card transaction processing method of claim 1, wherein the prepaid card transaction demand information includes a transaction account of a second subscriber, the predefined transaction rule module includes first designated process instructions and second designated process instructions, and the step of invoking the predefined transaction rule module on the blockchain to provide prepaid card transaction processing for the first subscriber includes:

determining a first personal area of the first user in the block chain according to first user information of the first user;

executing a first designated process instruction in the first personal area to obtain a numeric prepaid value, the first designated process instruction being used to obtain the numeric prepaid value;

calling a second designated process instruction to create a temporary prepaid card resource, wherein the temporary prepaid card resource carries the digital prepaid value, and the second designated process instruction is used for creating the prepaid card resource;

and sending the temporary prepaid card resource carrying the digital prepaid value to the transaction account of the second user.

3. A blockchain-based prepaid card transaction processing method according to claim 2, wherein the step of transmitting the temporary prepaid card resource carrying the digital prepaid value to the transaction account of the second user includes:

calling a third appointed process instruction to extract a digital prepayment value in the temporary prepayment card resource and destroy the temporary prepayment card resource, wherein the third appointed process instruction is used for destroying the prepayment card resource;

acquiring second prepaid card asset information corresponding to the first user in the transaction account of the second user;

updating the second prepaid card asset information based on the digital prepaid value.

4. The blockchain-based prepaid card transaction processing method of claim 1, wherein the blockchain is a federation chain, and the step of invoking a predefined transaction rules module on the blockchain to provide prepaid card transaction processing for the first subscriber based on the first subscriber information and the prepaid card transaction need information comprises:

if the second user specified by the prepaid card transaction demand information is not a preset transaction user when the first user registers on the blockchain, determining whether the second user and the preset transaction user are alliance users;

if the second user and the preset transaction user are both alliance users, determining whether the first user has the qualification of obtaining an alliance public key;

if the first user is qualified to obtain the federation public key, the first user is dispatched with the federation public key;

invoking the federation public key and the predefined transaction rules module on the federation chain to provide prepaid card transaction processing for the first user based on the first user information and the prepaid card transaction demand information.

5. The blockchain-based prepaid card transaction processing method of claim 4, wherein the step of determining whether the first user qualifies for a federation public key includes:

acquiring historical login information, historical transaction information and historical evaluation information of the first user;

determining login activity of the first user according to the historical login frequency and the historical login duration in the historical login information;

determining the transaction activity of the first user according to the historical transaction frequency and the historical transaction amount in the historical transaction information;

determining the credit degree of the first user according to the historical evaluation information and a preset rating level credit comparison standard;

grading the first user according to the login activity, the transaction activity and the credit to obtain a first user grade;

and if the first user score is larger than or equal to a preset score threshold value, determining that the first user is qualified for obtaining a federation public key.

6. The blockchain-based prepaid card transaction processing method of claim 1, wherein the blockchain-based prepaid card transaction processing method further comprises:

and re-encrypting the transaction data generated by the transaction processing of the prepaid card, and storing the re-encrypted transaction data obtained after re-encryption.

7. A blockchain-based prepaid card transaction processing apparatus, comprising:

8. The blockchain-based prepaid card transaction processing unit of claim 7, wherein the prepaid card transaction processing unit includes:

9. A computer-readable storage medium storing a computer program, wherein the computer program, when executed by a processor, implements the blockchain-based prepaid card transaction processing method according to any one of claims 1 to 6.

10. An intelligent terminal comprising a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor when executing the computer program implements the block chain based prepaid card transaction processing method according to any of claims 1 to 6.