CN111445325B - Credit card information processing method, device, system and storage medium - Google Patents
Credit card information processing method, device, system and storage medium Download PDFInfo
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- CN111445325B CN111445325B CN202010285067.XA CN202010285067A CN111445325B CN 111445325 B CN111445325 B CN 111445325B CN 202010285067 A CN202010285067 A CN 202010285067A CN 111445325 B CN111445325 B CN 111445325B
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- 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
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The application provides a credit card information processing method, a device, a system and a storage medium. The purpose of cross-line repayment aiming at the credit card is achieved.
Description
Technical Field
The present application relates to the field of automatic payment technology, and more particularly, to a credit card information processing method, apparatus, system, and storage medium.
Background
Credit cards, also called credit cards, are proof of credit issued by commercial banks or credit card companies to consumers who are eligible for credit. After a transaction using a credit card, the user needs to pay back the credit card.
There is currently no method for repayment of credit cards across rows.
Disclosure of Invention
In view of this, the present application provides a credit card information processing method, apparatus, system and storage medium.
In order to achieve the above purpose, the present application provides the following technical solutions:
a credit card information processing method, comprising:
the method comprises the steps that a first blockchain acquires a credit card repayment request sent by a client, wherein the credit card repayment request carries a card number of a first credit card;
The first blockchain corresponds to a first bank, the bank of the first credit card acts as a second bank, and the first bank is different from the second bank;
the first blockchain determines the sum of at least one unrendered historical transaction amount corresponding to the card numbers of the first credit card based on the historical transaction amounts corresponding to the card numbers of the plurality of credit cards stored by the first blockchain; the card numbers of the plurality of credit cards are respectively different from the bank to which the plurality of credit cards belong;
the first blockchain generating billing information based on a sum of the at least one unrendered historical transaction amount;
the first blockchain feeds back the bill information to the client;
and if a determined repayment instruction sent by the client is received, the first blockchain sends a transfer request to a server belonging to the second bank, wherein the transfer request comprises the transfer amount which is the same as the sum of the at least one unremoved historical transaction amount, the card number of the first credit card and an online banking account logging in the client.
A credit card information processing apparatus, for use with a first blockchain, comprising:
the first acquisition module is used for acquiring a credit card repayment request sent by the client, wherein the credit card repayment request carries a card number of a first credit card;
The first blockchain corresponds to a first bank, the bank of the first credit card acts as a second bank, and the first bank is different from the second bank;
a first determining module, configured to determine a sum of at least one unrendered historical transaction amount corresponding to a card number of the first credit card based on historical transaction amounts corresponding to respective card numbers of the plurality of credit cards stored in the first determining module; the card numbers of the plurality of credit cards are respectively different from the bank to which the plurality of credit cards belong;
a generation module for generating billing information based on a sum of the at least one unrendered historical transaction amount;
the first sending module is used for feeding back the bill information to the client;
and the second sending module is used for sending a transfer request to a server belonging to the second bank by the first blockchain if the determined repayment instruction sent by the client is received, wherein the transfer request comprises the transfer amount which is the same as the sum of the at least one unrevealed historical transaction amount, the card number of the first credit card and an online banking account logging in the client.
A readable storage medium having stored thereon a computer program which, when executed by a processor, implements a credit card information processing method as described in any of the above.
A credit card information processing system, comprising:
an electronic device for determining a first blockchain from a plurality of blockchains;
the first blockchain is used for acquiring a credit card repayment request sent by the client, wherein the credit card repayment request carries a card number of a first credit card; the first blockchain corresponds to a first bank, the bank of the first credit card acts as a second bank, and the first bank is different from the second bank; determining the sum of at least one unrendered historical transaction amount corresponding to the card number of the first credit card based on the historical transaction amounts respectively corresponding to the card numbers of the plurality of credit cards stored by the first credit card; the card numbers of the plurality of credit cards are respectively different from the bank to which the plurality of credit cards belong; generating billing information based on a sum of the at least one unrendered historical transaction amount; feeding back the bill information to the client; and if a repayment determining instruction sent by the client is received, sending a transfer request to a server belonging to the second bank, wherein the transfer request comprises the transfer amount which is the same as the sum of the at least one unremoved historical transaction amount, the card number of the first credit card and an online banking account logging in the client.
According to the technical scheme, the credit card information processing method provided by the application carries out cross-line repayment on the first credit card belonging to the second bank through the first blockchain belonging to the first bank. The purpose of cross-line repayment aiming at the credit card is achieved.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only embodiments of the present application, and that other drawings can be obtained according to the provided drawings without inventive effort for a person skilled in the art.
FIG. 1 is a signaling diagram of an implementation of a credit card information processing method according to an embodiment of the present application;
FIGS. 2 a-2 c are schematic diagrams illustrating an implementation of a user interface presented by a client according to an embodiment of the present application;
FIG. 3 is a signaling diagram of another implementation of the credit card information processing method according to an embodiment of the present application;
FIG. 4 is a schematic diagram of one implementation of a credit card information handling system provided by an embodiment of the application;
FIG. 5 is a schematic diagram of one implementation of blockchain storage information provided by an embodiment of the present application;
FIG. 6 is a block diagram of another implementation of a credit card information handling system provided by an embodiment of the application;
FIG. 7 is a signaling diagram of one implementation of determining a first blockchain from among a plurality of blockchains provided in accordance with embodiments of the present application;
FIG. 8 is a signaling diagram of one implementation of a credit card transaction method provided by an embodiment of the application;
FIG. 9 is a block diagram of one implementation of a credit card information processing device for a first blockchain in accordance with an embodiment of the application.
Detailed Description
The following description of the embodiments of the present application will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present application, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
Referring to fig. 1, a signaling diagram of an implementation manner of a credit card information processing method according to an embodiment of the present application is shown, where the method includes:
Step S101: the client 10 sends a credit card repayment request to the first blockchain 11, the credit card repayment request carrying the card number of the first credit card.
In an alternative embodiment, the user may log into the client 10 using an internet banking account number that can identify the user's identity, such as a savings bank card number, or a cell phone number, or an identification card number, biometric information, or the like.
In an alternative embodiment, the first credit card is any credit card of any bank, so called the first credit card is for distinguishing from a second credit card contained in a later-mentioned "inquiry history transaction request". In an alternative embodiment, the first credit card may be the same as the second credit card or may be different.
In an alternative embodiment, the client 10 may present a user interface as in fig. 2 a. If the user needs to pay across credit cards, then the "credit card payoff" icon of FIG. 2a may be clicked.
In an alternative embodiment, the "voice in" icon shown in FIG. 2a may be clicked, and then the credit card repayment voice entered.
In an alternative embodiment, the client 10 may invoke a camera of the terminal device in which the client 10 is installed to capture gestures of the user. Optionally, the first preset gesture corresponds to a credit card payment. After the client 10 detects the first preset gesture, it determines to enter the credit card payment user interface.
In an alternative embodiment, the user may touch the touch screen of the terminal device on which the client 10 is installed, and if the client 10 detects the first preset track, it is determined to enter the credit card payment user interface.
As shown in fig. 2b, a schematic diagram of one implementation of a credit card payment user interface presented for a client according to an embodiment of the present application is provided.
As shown in fig. 2b, the user may input the card number of the first credit card to be paid in the "credit card account number" of fig. 2b (the credit card to be paid is referred to as the first credit card in the embodiment of the present application).
In an alternative embodiment, the repayment bank card may be a bank card associated with an online banking account of the login client.
In an alternative embodiment, the bank card associated with the online banking account of the login client means that the bank to which the bank card belongs is the same as the bank to which the client belongs, and if the client belongs to bank a, the repayment bank card may be a bank card of bank a.
In an alternative embodiment, if the online banking account is a user identification number, or a mobile phone number, or biometric information, then the bank card associated with the online banking account of the login client is a bank card associated with the user identification number, or the mobile phone number, or the biometric information.
For example, when a bank card is transacted, an association relationship between the bank card and the user identification card number, or the mobile phone number, or the biometric information is established.
For example, in the process that the user 1 transacts the bank card 1 in the bank a, a counter business person collects the biometric information 1 of the user and establishes the association between the bank card 1 and the biometric information 1; in the process that a user 1 transacts a bank card 2 in a bank B, counter business personnel acquire biological characteristic information 1 of the user and establish association between the bank card 2 and the biological characteristic information 1; assuming that the client belongs to the client of bank a, the repayment bank card may be bank card 2.
Wherein bank a and bank B are different banks.
In an alternative embodiment, after the user clicks the determination button as shown in fig. 2b, or after the determination information is input by voice, or after the track input in the touch screen of the terminal device installed with the client is a second preset track, or after the gesture acquired by the terminal device installed with the client is a second preset gesture, the client may generate a credit card repayment request.
Step S102: the first blockchain 11 obtains a credit card payment request sent by the client 10, the credit card payment request carrying the card number of the first credit card. The first blockchain determines the sum of at least one unrendered historical transaction amount corresponding to the card numbers of the first credit card based on the historical transaction amounts corresponding to the card numbers of the plurality of credit cards stored by the first blockchain.
The first blockchain corresponds to a first bank, the bank of the first credit card acts as a second bank, and the first bank is different from the second bank.
In an alternative embodiment, the first blockchain may be accessed by clients belonging to banks. In an alternative embodiment, the first blockchain may be deployed at any bank.
The first blockchain stores historical transaction information corresponding to card numbers of credit cards of all banks, wherein the historical transaction information corresponding to the card number of one credit card comprises: the credit card has a card number of at least one historical transaction amount at least one historical transaction time.
The above-mentioned "card numbers of the plurality of credit cards" are respectively different from the bank to which they belong.
It will be appreciated that a user may hold a credit card for multiple transactions, i.e., the card number of a credit card may correspond to one or more historical transaction amounts, however, some of the historical transaction amounts may have been paid by the user, e.g., the user held credit card 1 at month 1 in 2019 consumes 5000 and held credit card 1 at month 1 in 2020 consumes 10000, the historical transaction amounts include 5000 and 10000, assuming the user paid 5000 at month 31 in 2019, then 5000 consumed by month 1 in 2019 is the paid historical transaction amount; assuming that the current time is month 1 and month 5 in 2020 and that the user has not paid for 1 month, then day 1 in 2020 consumes 10000 as the unrevealed historical transaction amount.
Step S103: the first blockchain 11 generates billing information based on the sum of the at least one unrendered historical transaction amount.
Step S104: the first blockchain 11 feeds back the billing information to the client 10.
Step S105: the client 10 receives the bill information and displays a user interface containing the bill information; and if the determined repayment information input by the user is received, generating a determined repayment instruction.
In an alternative embodiment, the client 10 may present a sum containing the at least one unrendered historical transaction amount. As shown in fig. 2c, a schematic diagram of one implementation of a user interface including billing information is shown for a client according to an embodiment of the present application.
The "payoff amount" shown in FIG. 2c is the sum of the at least one unremoved historical transaction amount.
In an alternative embodiment, if the user clicks the determine key, the client 10 may generate the determine repayment instruction.
In an alternative embodiment, since the first blockchain includes historical transaction amounts corresponding to the respective credit card numbers of the banks, the sum of the at least one unrevealed historical transaction amount corresponding to the card number of the first credit card may be obtained from the first blockchain without being obtained from a server subordinate to the second bank. If the client belongs to the first bank, the time for repayment of the credit card across rows can be shortened.
Step S106, if the first blockchain 11 receives the repayment determining instruction, a transfer request is sent to a server belonging to the second bank, wherein the transfer request comprises the transfer amount which is the same as the sum of the at least one unremoved historical transaction amount, the card number of the first credit card and an online banking account logging in the client.
In an alternative embodiment, the first blockchain 11 may send the transfer request to a server belonging to the second bank through a bank internet banking trans-bank payment system of the people. The account transferred out is an online banking account logged in the client, and the account transferred in is the card number of the first credit card.
According to the credit card information processing method provided by the embodiment of the application, the first credit card belonging to the second bank is subjected to cross-bank repayment through the first blockchain belonging to the first bank. The purpose of cross-line repayment aiming at the credit card is achieved.
Referring to fig. 3, a signaling diagram of another implementation of a credit card information processing method according to an embodiment of the present application is shown, where the method includes:
step S301: the client 10 sends a credit card repayment request to the first blockchain 11, the credit card repayment request carrying the card number of the first credit card.
Step S302: the first blockchain 11 obtains a credit card payment request sent by the client 10. The credit card repayment request carries a card number of the first credit card. And determining the sum of at least one unrendered historical transaction amount corresponding to the card number of the first credit card based on the historical transaction amounts respectively corresponding to the card numbers of the plurality of credit cards stored by the first credit card.
Step S303: the first blockchain 11 sends the credit card payment request to at least one second blockchain.
Optionally, step S304: each second chain of blocks 12 performs the following operations:
and acquiring historical transaction amounts respectively corresponding to card numbers of the plurality of credit cards stored in the self-memory, and determining the sum of at least one unrendered historical transaction amount corresponding to the card number of the first credit card.
The sum of the at least one unrevealed historical transaction amount is sent to the first blockchain 11.
Step S305: the first blockchain 11 receives the sum of at least one unrevealed historical transaction amount corresponding to the card number of the first credit card fed back by the at least one second blockchain respectively; and if the sum of the at least one unrendered historical transaction amount corresponding to at least a preset number of blockchains in the first blockchain and the at least one second blockchain is the same, generating bill information based on the sum of the at least one unrendered historical transaction amount.
In an alternative embodiment, the predetermined number is selected in relation to the total number of the first blockchain and the at least one second blockchain, i.e., the predetermined number is greater than or equal to 51% (the total number of the first blockchain and the at least one second blockchain).
For example, the total number of first blockchains and the at least one second blockchain is 100, then the preset number is at least 51.
In an alternative embodiment, the predetermined number may be any integer value greater than or equal to 1 and less than or equal to the total number of the first blockchain and the at least one second blockchain.
It is understood that the information stored in the first blockchain and the at least one second blockchain is the same. So that even if the historical transaction amount stored in a blockchain is changed, no economic loss is incurred to the customer. And, a shared database of the blockchain, data or information stored in it, have "can not forge", "the whole trace", "can trace back", "open transparent", "collective maintenance" characteristic, so the data stored in the blockchain has the performance of being unable to tamper. And, because the content stored by the plurality of blockchains is the same, even if one blockchain is damaged, the sum of the at least one unrevealed historical transaction amount can be obtained based on the judgment of other blockchains, and the client cannot pay.
Step S306, the first blockchain 11 feeds back the bill information to the client 10.
Step S307: the client 10 receives the bill information and displays a user interface containing the bill information; and if the determined repayment information input by the user is received, generating a determined repayment instruction.
Step S308, if the first blockchain 11 receives the repayment determining instruction, a transfer request is sent to a server belonging to the second bank, wherein the transfer request comprises the transfer amount which is the same as the sum of the at least one unremoved historical transaction amount, the card number of the first credit card and an online banking account logging in the client.
The credit card information processing system provided in the embodiment of the application is described with reference to fig. 3.
The credit card information processing method provided by the embodiment of the application can be applied to the credit card information processing system shown in fig. 4.
As shown in fig. 4, the credit card information processing system includes: a first blockchain 11, at least one second blockchain 12.
The credit card information processing system can be applied to various application scenarios, and the embodiment of the application provides, but is not limited to, the following application scenarios.
First application scenario: a plurality of blockchains (the plurality of blockchains including a first blockchain and at least one second blockchain) included in the credit card information processing system are deployed in a plurality of different banks, respectively; that is, one bank may be deployed with one or more blockchains.
In an alternative embodiment, each of the first blockchain and the at least one second blockchain includes a plurality of blocks, each block including one or more historical transaction information.
Optionally, the historical transaction information includes: a historical transaction amount for the card numbers of the plurality of credit cards at one or more historical transaction times.
FIG. 5 is a schematic diagram of one implementation of blockchain storage of information according to an embodiment of the present application.
Assuming that one of the first blockchain and the at least one second blockchain includes m blocks, the m blocks store information may be as shown in fig. 5. m is a positive integer greater than or equal to 1. Block 1 includes historical transaction information 1, block 2 includes historical transaction information 2, …, and block m includes historical transaction information m.
It will be appreciated that different blocks store at least one historical transaction amount for a card number of a different credit card at least one historical transaction time, or different blocks store at least one historical transaction amount for a card number of the same credit card at different historical transaction times. For example, taking fig. 5 as an example, block 1 stores transaction CNY1000 with credit card number a at month 1 in 2019; block 2 stores a transaction CNY5000 for 12 days of 1 month in 2019 with credit card number a.
It is understood that the first blockchain and the at least one second blockchain store the same information.
The second application scenario: the credit card information processing system comprises a plurality of blockchains including a first blockchain and at least one second blockchain, which are all deployed in a set area agreed by each bank.
The content included in each blockchain in the second application scenario may refer to the description of the first application scenario, which is not described herein.
In either of the two application scenarios, the first blockchain 11 is selected from a plurality of blockchains, the first blockchain being the fastest responding blockchain of the plurality of blockchains. In the embodiment of the application, the block chain with the fastest response among the block chains is called a first block chain, and other block chains are called second block chains.
It is to be appreciated that a first blockchain selected from a plurality of blockchains at different times may be different.
Referring to FIG. 6, a block diagram of another implementation of a credit card information processing system according to an embodiment of the application is shown. In an alternative embodiment, the credit card information processing system further includes an electronic device 61.
In an alternative embodiment, the electronic device 61 may be a mobile terminal such as a computer, a notebook, a desktop, a PAD, a smart phone, etc., and the electronic device 61 may also be a server or a cloud platform.
The electronic device 61 may send a query history transaction request to the n blockchains 62, the query history transaction request including the card number of the second credit card and the target history transaction time. The electronic device 61 may obtain n blockchain feedback query results, where the query result of one blockchain includes a target historical transaction amount of the card number of the second credit card under the target historical transaction time; the electronic device 61 takes the block chain with the earliest feedback query result time in the n block chains as a first block chain; the blockchain other than the first blockchain among the n blockchains is used as the second blockchain.
Assuming that the time for the blockchain 1 to feed back the query result is 44 minutes, 50 seconds and 8 centiseconds in 5 months 1 day 12 points in 2019 in n blockchains; the time for the block chain 2 to feed back the query result is 2019, 5 months, 1 day, 12 points, 44 minutes, 50 seconds and 9 centiseconds; the time for the block chain 3 to feed back the query result is 2019, 5 months, 1 day, 12 points, 44 minutes, 51 seconds and 9 centiseconds; …; assuming that the time for the blockchain 1 to feed back the query result is earliest, blockchain 1 is the first blockchain and blockchain 2 through blockchain n are the second blockchain.
In an alternative embodiment, the electronic device 61 may be deployed in a setup area; in an alternative embodiment, the electronic device 61 may be deployed in any bank.
In an alternative embodiment, in a first application scenario, the first blockchain is deployed at a bank to which the client belongs, that is, the first blockchain does not need to be selected from a plurality of blockchains at this time, but rather, the blockchain corresponding to the bank to which the client belongs is determined to be the first blockchain.
The process of determining a first blockchain from among a plurality of blockchains provided by the embodiment of the present application is described below with reference to fig. 6, where fig. 7 is a signaling diagram of one implementation of determining a first blockchain from among a plurality of blockchains provided by the embodiment of the present application, and the method includes:
step S701, the electronic device 61 transmits a query history transaction request to the plurality of blockchains 62.
Wherein the inquiry history transaction request includes a card number of the second credit card and the target history transaction time.
The card number of the second credit card is the card number of any credit card of any bank; the target historical transaction time is any historical transaction time.
The total number of the plurality of blockchains is illustrated as n in fig. 7.
Step S702: each of the plurality of blockchains performs the following operations:
obtaining a target historical transaction amount of the card number of the second credit card at the target historical transaction time from at least one historical transaction amount of the stored plurality of credit cards respectively corresponding to the card numbers at the at least one historical transaction time;
And feeding back a query result containing the target historical foreign exchange transaction amount.
Step S703: the electronic device 61 receives the query results fed back by the plurality of block chains respectively, and records the receiving time when the query results fed back by the plurality of block chains respectively are received; and determining the blockchain corresponding to the minimum receiving time as the first blockchain.
Assuming that the total number of the plurality of blockchains is n, assuming that, among the n blockchains, the time for the electronic device 61 to receive the query result of the blockchain 1 is 2019, 5 months, 1 days, 12 dots, 44 minutes, 50 seconds, 8 centiseconds; the time of the query result of the block chain 2 is 2019, 5 months, 1 day, 12 points, 44 minutes, 50 seconds and 9 centiseconds; the time of the query result of the block chain 3 is 2019, 5 months, 1 day, 12 points, 44 minutes, 51 seconds and 9 centiseconds; …; assuming that the time to receive the query result of blockchain 1 is minimal, blockchain 1 is the first blockchain and blockchain 2 through blockchain n are all the second blockchain.
Step S704: the electronic device 61 sends the optimal block information to the first blockchain.
The optimal block information characterizes the first blockchain as the blockchain of the fastest feedback query result among the plurality of blockchains.
The first blockchain is illustrated in fig. 7 as blockchain 1.
Step S705: after receiving the optimal block information, the first blockchain 11 monitors the input of a credit card payment request.
In an alternative embodiment, the input of the credit card payment request may be monitored every set period of time, or the input of the credit card payment request may be monitored in real time.
Referring to fig. 8, a signaling diagram of an implementation manner of a credit card transaction method according to an embodiment of the application is shown, where the method includes:
step S801: the first blockchain 11 obtains a credit card transaction request including the card number of the first credit card and the amount to be transacted.
The first credit card is any credit card of any bank.
Step S802: the first blockchain 11 sends a credit card transaction request to at least one second blockchain 12.
In an alternative embodiment, the first blockchain 11 sends a credit card transaction request broadcast to the at least one second blockchain upon receipt of the credit card transaction request.
In an alternative embodiment, after the first blockchain receives the credit card transaction request, determining transaction feasibility information of the first blockchain; and if the transaction feasibility information of the first blockchain represents that the sum of the unremoved historical transaction amount corresponding to the card number of the first credit card stored by the transaction feasibility information of the first blockchain and the to-be-transacted amount is smaller than or equal to the transaction maximum limit corresponding to the card number of the first credit card, sending the credit card transaction request to the at least one second blockchain.
Step S803: each second blockchain performs the steps of:
acquiring the sum of unremoved historical transaction amount corresponding to the card number of the first credit card stored by the user and the to-be-transacted amount;
comparing the sum of the unremoved historical transaction amount corresponding to the card number of the first credit card and the to-be-transacted amount, and obtaining transaction feasibility information according to the size relation of the transaction maximum amount corresponding to the card number of the first credit card;
the transaction feasibility information is sent to the first blockchain 11.
The transaction maximum amount refers to the maximum value that can be spent at the user.
In an alternative embodiment, the transaction maximum credit for credit cards of different users is different.
Optionally, for any one of the first blockchain and the at least one second blockchain, if the sum of the stored unremoved historical transaction amount corresponding to the card number of the first credit card and the to-be-transacted amount is less than or equal to the transaction maximum amount corresponding to the card number of the first credit card, the transaction feasibility information is transaction feasibility. If the sum of the unremoved historical transaction amount corresponding to the stored card number of the first credit card and the to-be-transacted amount is larger than the transaction maximum limit corresponding to the card number of the first credit card, the transaction feasibility information is that the transaction is not feasible.
Step S804: the first blockchain 11 receives transaction feasibility information fed back by the at least one second blockchain respectively.
Step S805: and if the transaction feasibility information corresponding to at least a preset number of blockchains in the first blockchain and the at least one second blockchain represents that the sum of the unrevealed historical transaction amount corresponding to the card number of the first credit card and the to-be-transacted amount stored by the transaction feasibility information is smaller than or equal to the transaction maximum limit corresponding to the card number of the first credit card, generating an instruction for allowing the credit card transaction request.
In an alternative embodiment, the predetermined number is selected in relation to the total number of the first blockchain and the at least one second blockchain, i.e., the predetermined number is greater than or equal to 51% (the total number of the first blockchain and the at least one second blockchain).
For example, the total number of first blockchains and the at least one second blockchain is 100, then the preset number is at least 51.
In an alternative embodiment, the predetermined number may be any integer value greater than or equal to 1 and less than or equal to the total number of the first blockchain and the at least one second blockchain.
Alternatively, the "instruction to allow the credit card transaction request" refers to allowing the credit card transaction request of the customer, i.e. allowing the customer to exchange the foreign exchange amount to be transacted of the foreign exchange currency.
In an optional embodiment, if the transaction feasibility information corresponding to at least a preset number of blockchains in the first blockchain and the at least one second blockchain characterizes that the sum of the unremoved historical transaction amount corresponding to the card number of the first credit card stored by the transaction feasibility information and the to-be-transacted amount is greater than the transaction maximum amount corresponding to the card number of the first credit card, an instruction for prohibiting the credit card transaction request is generated.
By the scheme, the problem of economic loss of banks caused by illegally modifying the maximum transaction limit is avoided.
In the method provided by the embodiment of the application, after a first blockchain obtains a credit card transaction request, the credit card transaction request is sent to at least one second blockchain; the first blockchain receives transaction feasibility information fed back by the at least one second blockchain respectively; and if the transaction feasibility information corresponding to at least a preset number of the first blockchains and the at least one second blockchains respectively represents that the sum of the unrevealed historical transaction amount corresponding to the card number of the first credit card and the to-be-transacted amount stored by the transaction feasibility information is smaller than or equal to the transaction maximum limit corresponding to the card number of the first credit card, generating an instruction for allowing the credit card transaction request. So that even if the historical foreign exchange transaction amount stored in a blockchain is changed, no economic loss is incurred to the customer. Even if the transaction maximum amount stored in one blockchain is changed, economic losses are not caused to banks. And, a shared database of the blockchain, data or information stored in it, have "can not forge", "the whole trace", "can trace back", "open transparent", "collective maintenance" characteristic, so the data stored in the blockchain has the performance of being unable to tamper. And, because the content stored by the plurality of blockchains is the same, even if one blockchain is damaged, whether the foreign exchange transaction can be executed can be judged based on other blockchains, so that the fact that the client cannot do the foreign exchange transaction is avoided.
In an optional embodiment, if the transaction feasibility information corresponding to at least the preset number of blockchains in the first blockchain and the at least one second blockchain characterizes that the sum of the unrevealed historical transaction amount corresponding to the card number of the first credit card stored by the first blockchain and the to-be-transacted amount is less than or equal to the transaction maximum credit corresponding to the card number of the first credit card, the first blockchain may further execute the following operations.
The first step: a first block is created in the first blockchain.
The first block comprises a first block head and a first block main body, wherein the first block head stores a characteristic value obtained based on the card number of the first credit card and the amount to be transacted, and the characteristic value of the block head of the father block of the first block; the first block body includes a card number of the first credit card and the amount to be transacted.
Still referring to fig. 5, if the first blockchain includes m blocks as shown in fig. 5, the first block is the (m+1) th block.
The block header of the (m+1) -th block stores the characteristic value of the block header of the (m) -th block.
In an alternative embodiment, the card number of the first credit card and the amount to be transacted may be subjected to a preset operation to obtain a characteristic value.
Alternatively, the preset operation may be an irreversible operation, an asymmetric encryption algorithm, a hash algorithm, or the like.
And a second step of: sending an instruction for creating a block to the at least one second blockchain respectively, wherein the instruction for creating a block is used for indicating the at least one second blockchain to create a second block of the second blockchain respectively, the second block comprises a second block head and a second block main body, the second block head stores a characteristic value obtained based on the card number of the first credit card and the to-be-transacted amount, and the characteristic value of the block head of a father block of the second block; the second block body includes a card number of the first credit card and the amount to be transacted.
The method is described in detail in the embodiments disclosed in the present application, and the method can be implemented by using various types of devices, so that the present application also discloses a device, and specific embodiments are given below for details.
As shown in fig. 9, a block diagram of one implementation of a credit card information processing apparatus applied to a first blockchain according to an embodiment of the application is provided, where the apparatus includes:
a first obtaining module 91, configured to obtain a credit card repayment request sent by a client, where the credit card repayment request carries a card number of a first credit card;
The first blockchain corresponds to a first bank, the bank of the first credit card acts as a second bank, and the first bank is different from the second bank;
a first determining module 92, configured to determine a sum of at least one unrendered historical transaction amount corresponding to a card number of the first credit card, based on historical transaction amounts corresponding to respective card numbers of the plurality of credit cards stored in the first determining module; the card numbers of the plurality of credit cards are respectively different from the bank to which the plurality of credit cards belong;
a generation module 93 for generating billing information based on the sum of the at least one unrendered historical transaction amount;
a first sending module 94, configured to feed back the billing information to the client;
and a second sending module 95, configured to send, if a determined repayment instruction sent by the client is received, a transfer request to a server belonging to the second bank by using the first blockchain, where the transfer request includes a transfer amount that is the same as a sum of the at least one unrefreshed historical transaction amount, a card number of the first credit card, and an online banking account that logs in to the client.
In an alternative embodiment, the generating module includes:
a transmitting unit for transmitting the credit card payment request to at least one second blockchain;
The receiving unit is used for receiving the sum of at least one unrevealed historical transaction amount corresponding to the card number of the first credit card fed back by the at least one second blockchain respectively;
and the generation unit is used for generating bill information based on the sum of the at least one unremoved historical transaction amount if the sum of the at least one unremoved historical transaction amount corresponding to at least a preset number of blockchains is the same in the first blockchain and the at least one second blockchain.
In an alternative embodiment, the method further comprises:
the second acquisition module is used for acquiring a query historical transaction request, wherein the query historical transaction request comprises a card number of a second credit card and a target historical transaction time;
a third obtaining module, configured to obtain a target historical transaction amount of the card number of the second credit card at the target historical transaction time from at least one historical transaction amount of the stored card numbers of the plurality of credit cards under at least one historical transaction time, where the at least one historical transaction amount corresponds to the card number of the plurality of credit cards respectively;
the third sending module is used for feeding back a query result containing the target historical transaction amount;
the monitoring module is used for monitoring the input of a credit card repayment request if receiving the optimal block information representing that the first block chain is the fastest feedback query result in a plurality of block chains;
The plurality of blockchains includes the first blockchain and the at least one second blockchain.
In an alternative embodiment, the client belongs to a client of the first bank.
In an alternative embodiment, the method further comprises:
a fourth obtaining module, configured to obtain a credit card transaction request, where the credit card transaction request includes a card number of the first credit card and an amount to be transacted;
a fourth transmitting module for transmitting the credit card transaction request to at least one second blockchain;
a fifth obtaining module, configured to obtain transaction feasibility information fed back by the at least one second blockchain respectively;
the transaction feasibility information corresponding to one blockchain refers to the relationship between the sum of the unremoved historical transaction amount corresponding to the card number of the first credit card and the to-be-transacted amount stored by the blockchain and the transaction maximum amount corresponding to the card number of the first credit card;
and the second generation module is used for generating an instruction for allowing the credit card transaction request to be executed if the sum of the unremoved historical transaction amount corresponding to the card number of the first credit card stored by the second generation module and the to-be-transacted amount is smaller than or equal to the transaction maximum limit corresponding to the card number of the first credit card, wherein the transaction feasibility information corresponding to at least a preset number of blockchains in the first blockchains and the at least one second blockchain represents the self-stored transaction maximum limit corresponding to the card number of the first credit card.
In an alternative embodiment, the method further comprises:
the creating module is used for creating a first block in the first block chain if the sum of the unremoved historical transaction amount corresponding to the card number of the first credit card stored by the creating module and the to-be-transacted amount is smaller than or equal to the transaction maximum amount corresponding to the card number of the first credit card in the first block chain and the transaction feasibility information corresponding to at least the preset number of block chains in the first block chain and the at least one second block chain;
the first block comprises a first block head and a first block main body, wherein the first block head stores a characteristic value obtained based on the card number of the first credit card and the amount to be transacted, and the characteristic value of the block head of the father block of the first block; the first block main body comprises a card number of the first credit card and the amount to be transacted;
a fifth sending module, configured to send, to the at least one second blockchain, an instruction for creating a block, where the instruction for creating a block is an instruction for the at least one second blockchain to create a second block of the second blockchain, respectively, where the second block includes a second block header and a second block body, where the second block header stores a characteristic value obtained based on the card number of the first credit card and the amount to be transacted, and a characteristic value of a block header of a parent block of the second block; the second block body includes a card number of the first credit card and the amount to be transacted.
The embodiment of the application also provides a readable storage medium, on which a computer program is stored, which when executed by a processor, implements a credit card information processing method as described in any one of the above.
The features described in the respective embodiments in the present specification may be replaced with each other or combined with each other. For device or system class embodiments, the description is relatively simple as it is substantially similar to method embodiments, with reference to the description of method embodiments in part.
It is further noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. The software modules may be disposed in Random Access Memory (RAM), memory, read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (8)
1. A credit card information processing method, characterized by comprising:
the method comprises the steps that a first blockchain acquires a credit card repayment request sent by a client, wherein the credit card repayment request carries a card number of a first credit card;
The first blockchain corresponds to a first bank, the bank of the first credit card acts as a second bank, and the first bank is different from the second bank;
the first blockchain determines the sum of at least one unrendered historical transaction amount corresponding to the card numbers of the first credit card based on the historical transaction amounts corresponding to the card numbers of the plurality of credit cards stored by the first blockchain; the card numbers of the plurality of credit cards are respectively different from the bank to which the plurality of credit cards belong;
the first blockchain generating billing information based on a sum of the at least one unrendered historical transaction amount;
the first blockchain feeds back the bill information to the client;
if a determined repayment instruction sent by the client is received, the first blockchain sends a transfer request to a server belonging to the second bank, wherein the transfer request comprises the transfer amount which is the same as the sum of the at least one unremoved historical transaction amount, the card number of the first credit card and an online banking account logging in the client;
wherein the first blockchain is a fastest responding blockchain selected from a plurality of blockchains, the method further comprising:
acquiring a query historical transaction request, wherein the query historical transaction request comprises a card number of a second credit card and a target historical transaction time;
Obtaining a target historical transaction amount of the card number of the second credit card at the target historical transaction time from at least one historical transaction amount of the stored plurality of credit cards respectively corresponding to the card numbers at the at least one historical transaction time;
feeding back a query result containing the target historical transaction amount;
monitoring the input of a credit card repayment request if the optimal block information representing that the first block chain is the fastest feedback query result in a plurality of block chains is received;
the plurality of blockchains includes the first blockchain and at least one second blockchain.
2. The credit card information processing method of claim 1, wherein said generating billing information based on a sum of said at least one unrendered historical transaction amount includes:
transmitting the credit card payment request to the at least one second blockchain;
receiving the sum of at least one unrevealed historical transaction amount corresponding to the card number of the first credit card fed back by the at least one second blockchain respectively;
and if the sum of the at least one unrendered historical transaction amount corresponding to at least a preset number of blockchains in the first blockchain and the at least one second blockchain is the same, generating bill information based on the sum of the at least one unrendered historical transaction amount.
3. The credit card information processing method according to claim 1 or 2, wherein the client belongs to a client of the first bank.
4. The credit card information processing method according to claim 1, further comprising:
obtaining a credit card transaction request, the credit card transaction request including a card number of a first credit card and an amount to be transacted;
transmitting the credit card transaction request to at least one second blockchain;
obtaining transaction feasibility information fed back by the at least one second blockchain respectively;
the transaction feasibility information corresponding to one blockchain refers to the sum of the unrevealed historical transaction amount corresponding to the card number of the first credit card stored by the blockchain and the to-be-transacted amount, and the relationship between the sum and the transaction maximum amount corresponding to the card number of the first credit card;
and if the transaction feasibility information corresponding to at least a preset number of blockchains in the first blockchain and the at least one second blockchain represents that the sum of the unrevealed historical transaction amount corresponding to the card number of the first credit card stored by the transaction feasibility information per se and the to-be-transacted amount is smaller than or equal to the transaction maximum limit corresponding to the card number of the first credit card, generating an instruction for allowing the credit card transaction request to be executed.
5. The credit card information processing method of claim 4, wherein the first blockchain is further configured to:
if the sum of the unremoved historical transaction amount corresponding to the card number of the first credit card stored by the transaction feasibility information representation self in the first blockchain and the at least one second blockchain is smaller than or equal to the transaction maximum amount corresponding to the card number of the first credit card, a first block is created in the first blockchain;
the first block comprises a first block head and a first block main body, wherein the first block head stores a characteristic value obtained based on the card number of the first credit card and the amount to be transacted, and the characteristic value of the block head of the father block of the first block; the first block main body comprises a card number of the first credit card and the amount to be transacted;
sending an instruction for creating a block to the at least one second blockchain respectively, wherein the instruction for creating a block is used for indicating the at least one second blockchain to create a second block of the second blockchain respectively, the second block comprises a second block head and a second block main body, the second block head stores a characteristic value obtained based on the card number of the first credit card and the to-be-transacted amount, and the characteristic value of the block head of a father block of the second block; the second block body includes a card number of the first credit card and the amount to be transacted.
6. A credit card information processing apparatus, for use with a first blockchain, comprising:
the first acquisition module is used for acquiring a credit card repayment request sent by the client, wherein the credit card repayment request carries a card number of a first credit card;
the first blockchain corresponds to a first bank, the bank of the first credit card acts as a second bank, and the first bank is different from the second bank;
a first determining module, configured to determine a sum of at least one unrendered historical transaction amount corresponding to a card number of the first credit card based on historical transaction amounts corresponding to respective card numbers of the plurality of credit cards stored in the first determining module; the card numbers of the plurality of credit cards are respectively different from the bank to which the plurality of credit cards belong;
a generation module for generating billing information based on a sum of the at least one unrendered historical transaction amount;
the first sending module is used for feeding back the bill information to the client;
the second sending module is used for sending a transfer request to a server belonging to the second bank by the first blockchain if a determined repayment instruction sent by the client is received, wherein the transfer request comprises the transfer amount which is the same as the sum of the at least one unrefreshed historical transaction amount, the card number of the first credit card and an online banking account logging in the client;
Wherein the first blockchain is a fastest responding blockchain selected from a plurality of blockchains, the apparatus further comprising:
the second acquisition module is used for acquiring a query historical transaction request, wherein the query historical transaction request comprises a card number of a second credit card and a target historical transaction time;
a third obtaining module, configured to obtain a target historical transaction amount of the card number of the second credit card at the target historical transaction time from at least one historical transaction amount of the stored card numbers of the plurality of credit cards under at least one historical transaction time, where the at least one historical transaction amount corresponds to the card number of the plurality of credit cards respectively;
the third sending module is used for feeding back a query result containing the target historical transaction amount;
the monitoring module is used for monitoring the input of a credit card repayment request if receiving the optimal block information representing that the first block chain is the fastest feedback query result in a plurality of block chains;
the plurality of blockchains includes the first blockchain and the at least one second blockchain.
7. A readable storage medium having stored thereon a computer program, wherein the computer program, when executed by a processor, implements the credit card information processing method according to any of the preceding claims 1 to 5.
8. A credit card information processing system, comprising:
an electronic device for determining a first blockchain from a plurality of blockchains;
the first blockchain is used for acquiring a credit card repayment request sent by the client, wherein the credit card repayment request carries a card number of a first credit card; the first blockchain corresponds to a first bank, the bank of the first credit card acts as a second bank, and the first bank is different from the second bank; determining the sum of at least one unrendered historical transaction amount corresponding to the card number of the first credit card based on the historical transaction amounts respectively corresponding to the card numbers of the plurality of credit cards stored by the first credit card; the card numbers of the plurality of credit cards are respectively different from the bank to which the plurality of credit cards belong; generating billing information based on a sum of the at least one unrendered historical transaction amount; feeding back the bill information to the client; if a determined repayment instruction sent by the client is received, sending a transfer request to a server belonging to the second bank, wherein the transfer request comprises the transfer amount which is the same as the sum of the at least one unremoved historical transaction amount, the card number of the first credit card and an online banking account logging in the client;
Wherein the first blockchain is a fastest responding blockchain selected from a plurality of blockchains, and the electronic device is specifically configured to, when executing the determination of the first blockchain from the plurality of blockchains: transmitting a query historical transaction request to the plurality of blockchains, the query historical transaction request including a card number of a second credit card and a target historical transaction time; receiving query results fed back by the plurality of block chains respectively, and recording receiving moments when the query results fed back by the plurality of block chains respectively are received; a blockchain query result including a target historical transaction amount for the card number of the second credit card at the target historical transaction time; determining a blockchain corresponding to the minimum receiving time as the first blockchain; and sending optimal block information to the first block chain, wherein the optimal block information characterizes the first block chain as the block chain with the fastest feedback query result in the plurality of block chains.
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| CN109816367A (en) * | 2019-01-04 | 2019-05-28 | 平安科技（深圳）有限公司 | Transaction processing method, terminal device and computer storage medium |
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| CN104361487A (en) * | 2014-10-29 | 2015-02-18 | 中国建设银行股份有限公司 | Method and device of inter-bank automatic repayment of credit card |
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