CN111563735A - Payment method and system based on block chain - Google Patents
Payment method and system based on block chain Download PDFInfo
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- CN111563735A CN111563735A CN202010383633.0A CN202010383633A CN111563735A CN 111563735 A CN111563735 A CN 111563735A CN 202010383633 A CN202010383633 A CN 202010383633A CN 111563735 A CN111563735 A CN 111563735A
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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- G—PHYSICS
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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Abstract
The invention provides a payment method and system based on a block chain, and relates to the technical field of mobile payment. The method comprises the steps of firstly obtaining card numbers of a plurality of bank cards of a user and user IDs corresponding to the card numbers, then searching information corresponding to the user IDs from a bank server of a block chain after the user is authorized, wherein the information comprises the balance and the use frequency of the plurality of bank cards, then generating deduction details of the plurality of bank cards according to the amount of money to be paid, the balance of the plurality of bank cards and the use frequency of the plurality of bank cards, then sending the deduction details of the plurality of bank cards to a client of the user, and finally executing deduction operation on the plurality of bank cards according to the deduction details after the user is authorized, thereby completing payment. The invention does not need to transfer the balance in a plurality of bank cards to one bank card, can automatically generate the deduction details according to the related information of the plurality of bank cards, and uniformly executes the deduction operation, thereby lightening the burden of a user and improving the payment efficiency.
Description
Technical Field
The invention relates to the technical field of mobile payment, in particular to a payment method and system based on a block chain.
Background
With the improvement of living standard of people, most people can choose to buy financial products for investment, before payment, users need to check the balance in all bank cards under their names, and need to transfer the amount of money in some of the bank cards to the same bank card, so that the balance in one bank card is not less than the amount of money to be paid at this time, and then the payment can be carried out at one time. This payment method has several problems:
1. the transfer amount is limited by the amount of money every day, and the transfer in batches may take several days;
2. the bank account arrival time is uncertain;
3. cross-bank transfers may require handling fees;
4. withdrawal or transfer passwords set by the bank cards are inconsistent, and the passwords need to be retrieved again when the passwords are forgotten.
The above problems may cause unnecessary troubles in purchasing financial products or paying a large amount of money at a time, which is inconvenient and inefficient.
Disclosure of Invention
The invention aims to provide a payment method and a payment system based on a block chain, and solves the technical problems of complicated process and low payment efficiency when a large amount of money needs to be paid in the prior art.
It is a further object of the first aspect of the invention to improve humanization at the time of payment.
It is an object of a second aspect of the invention to provide a blockchain based payment system.
According to an object of a first aspect of the present invention, there is provided a region chain-based payment method, comprising:
acquiring card numbers of a plurality of bank cards of a user and a user ID corresponding to the card numbers;
searching information corresponding to the user ID from a bank server of the block chain after the user is authorized, wherein the information comprises the balance and the use frequency in the plurality of bank cards;
generating deduction details of the multiple bank cards according to the amount of money to be paid, the balance in the multiple bank cards and the use frequency of the multiple bank cards;
sending the deduction details of the plurality of bank cards to a client of a user;
and after the user authorizes the bank card, executing money deduction operation on the plurality of bank cards according to the money deduction details, thereby completing payment.
Optionally, after sending the deduction details of the multiple bank cards to the client of the user, the method further includes:
receiving the deduction details of the plurality of bank cards changed by the user;
and after the user authorizes the bank card, executing money deduction operation on the plurality of bank cards according to the changed money deduction details, thereby completing payment.
Optionally, the deduction details of the plurality of bank cards include the current balance of each bank card, the amount of money to be paid at this time, and the balance after completing the payment, where the balance after completing the payment needs to be greater than the preset threshold amount.
Optionally, the preset threshold amount is any value in the range of 20 yuan to 25 yuan.
Optionally, the step of obtaining card numbers of multiple bank cards of the user and a user ID corresponding to the card numbers specifically includes:
acquiring card numbers of a plurality of bank cards of a user;
and searching a memory for user IDs corresponding to the card numbers of the multiple bank cards.
Optionally, if the user IDs corresponding to the card numbers of the multiple bank cards are not found in the memory, finding the user IDs corresponding to the card numbers of the multiple bank cards from a bank server of a block chain;
and storing the corresponding relation between the card numbers of the multiple bank cards and the user ID into the memory.
Optionally, the bank card with the lower usage frequency in the plurality of bank cards pays preferentially.
Optionally, the information further includes a running bill of the plurality of bank cards;
and displaying the prior payment of the bank cards without fixed expenditure every month in the running accounts of the plurality of bank cards.
Optionally, the manner of acquiring the card numbers of the multiple bank cards of the user includes at least one of the following manners:
scanning card numbers on the multiple bank cards;
reading built-in chips of the multiple bank cards, wherein the card numbers of the multiple bank cards are stored in the chips;
and the user directly inputs the card numbers of the multiple bank cards.
According to the object of the second aspect of the present invention, the present invention also provides a payment system based on a blockchain, comprising an information acquisition module and a processing module connected with each other, wherein,
the information acquisition module is used for acquiring card numbers of a plurality of bank cards of a user and user IDs corresponding to the card numbers and sending the card numbers to the processing module;
the processing module is used for searching information corresponding to the user ID from a bank server of the block chain after the authorization of the user, wherein the information comprises the balance and the use frequency in the plurality of bank cards; then generating deduction details of the multiple bank cards according to the amount of money to be paid, the balance in the multiple bank cards and the use frequency of the multiple bank cards; then sending the deduction details of the multiple bank cards to a client of a user; and finally, executing money deduction operation on the plurality of bank cards according to the money deduction details after the user authorizes the bank card, thereby completing payment.
The method comprises the steps of firstly obtaining card numbers of a plurality of bank cards of a user and user IDs corresponding to the card numbers, then searching information corresponding to the user IDs from a bank server of a block chain after the user is authorized, wherein the information comprises the balance and the use frequency of the plurality of bank cards, then generating deduction details of the plurality of bank cards according to the amount of money to be paid, the balance of the plurality of bank cards and the use frequency of the plurality of bank cards, then sending the deduction details of the plurality of bank cards to a client of the user, and finally executing deduction operation on the plurality of bank cards according to the deduction details after the user is authorized, thereby completing payment. The invention does not need the user to inquire the balance in each bank card and transfer the balances in a plurality of bank cards to one bank card, can automatically generate the deduction details according to the related information of the plurality of bank cards and uniformly execute the deduction operation, thereby lightening the burden of the user, facilitating the payment and improving the payment efficiency.
Further, after the deduction details of the multiple bank cards are sent to the client of the user, the deduction details of the multiple bank cards after the deduction details of the multiple bank cards are changed by the user are received, and then deduction operation is carried out on the multiple bank cards according to the changed deduction details after the user is authorized, so that payment is completed. That is to say, the deduction details generated automatically by the system can be changed manually by the user when the user is not satisfied, so that the payment is more humanized, and the satisfaction degree of the user is improved.
The above and other objects, advantages and features of the present invention will become more apparent to those skilled in the art from the following detailed description of specific embodiments thereof, taken in conjunction with the accompanying drawings.
Drawings
Some specific embodiments of the invention will be described in detail hereinafter, by way of illustration and not limitation, with reference to the accompanying drawings. The same reference numbers in the drawings identify the same or similar elements or components. Those skilled in the art will appreciate that the drawings are not necessarily drawn to scale. In the drawings:
FIG. 1 is a schematic flow diagram of a blockchain based payment method according to one embodiment of the invention;
FIG. 2 is a schematic flow diagram of a blockchain-based payment method according to another embodiment of the invention;
FIG. 3 is a schematic block diagram of a blockchain based payment system in accordance with one embodiment of the present invention;
fig. 4 is a schematic structural diagram of a block chain based payment system according to another embodiment of the present invention.
Detailed Description
Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are illustrative and intended to be illustrative of the invention and are not to be construed as limiting the invention.
Fig. 1 is a schematic flow diagram of a blockchain-based payment method according to one embodiment of the present invention. As shown in fig. 1, in a specific embodiment, a blockchain based payment method may generally include the steps of:
s100, card numbers of a plurality of bank cards of a user and user IDs corresponding to the card numbers are obtained;
s200, after the user authorizes the bank server, searching information corresponding to the user ID from the bank server of the block chain, wherein the information comprises the balance and the use frequency in a plurality of bank cards;
s300, generating deduction details of the multiple bank cards according to the amount of money to be paid, the balance in the multiple bank cards and the use frequency of the multiple bank cards;
s400, sending the deduction details of the multiple bank cards to a client of a user;
and S500, after the user authorizes the bank card, executing money deduction operation on the plurality of bank cards according to the money deduction details, and completing payment.
Here, the user authorization can adopt a face brushing mode, so that the security can be ensured, and the authorization speed can be increased.
Further, a payment certificate is generated after the payment is completed, and the amount of money deducted and the remaining amount of each bank card are displayed on the payment certificate.
The invention does not need the user to inquire the balance in each bank card and transfer the balances in a plurality of bank cards to one bank card, can automatically generate the deduction details according to the related information of the plurality of bank cards and uniformly execute the deduction operation, thereby lightening the burden of the user, facilitating the payment and improving the payment efficiency.
Fig. 2 is a schematic flow diagram of a blockchain-based payment method according to another embodiment of the present invention. As shown in fig. 2, in another embodiment, after sending the deduction details of the multiple bank cards to the client of the user, the method further includes:
s410, receiving the deduction details after the deduction details of the plurality of bank cards are changed by the user;
and S510, after the user authorizes, executing money deduction operation on the multiple bank cards according to the changed money deduction details, and thus completing payment.
That is to say, the deduction details generated automatically by the system can be changed manually by the user when the user is not satisfied, so that the payment is more humanized, and the satisfaction degree of the user is improved.
Further, the deduction details of the plurality of bank cards include the existing balance of each bank card, the amount of money to be paid at this time and the balance after the payment is completed, wherein the balance after the payment is completed is larger than the preset threshold amount. Specifically, the preset threshold amount is any value in the range of 20 to 25 dollars. In a preferred embodiment, the preset threshold amount may be set to 20 dollars, where the amount to be reserved after the payment is completed is mainly to prevent the bank card from automatically deducting annual or other small fees, which may cause the bank card to be charged if the amount in the bank card is zero, and further cause the credit of the user to be affected if the user does not go for a long time without being aware of the credit.
In one embodiment, the step of obtaining card numbers of a plurality of bank cards of a user and a user ID corresponding to the card numbers includes the following steps:
the method comprises the following steps: acquiring card numbers of a plurality of bank cards of a user;
step two: and searching the user ID corresponding to the card numbers of the multiple bank cards in the memory.
Further, if the user IDs corresponding to the card numbers of the multiple bank cards are not found in the memory, the user IDs corresponding to the card numbers of the multiple bank cards are found from the bank server of the block chain, and then the corresponding relationship between the card numbers of the multiple bank cards and the user IDs is stored in the memory.
That is, the memory stores the corresponding relationship between the card number of the bank card and the user ID, and as long as the user uses the system for payment, the corresponding relationship between the card number of the bank card of the user and the user ID can be stored, and the user ID can be directly obtained according to the card number of the bank card in the next use. Here, mainly for preventing a solution after failure of reading information of a bank card built-in chip, a normal bank card built-in chip should store a corresponding relationship between a card number of the bank card and the user ID, and after failure of reading information of the chip, a user ID may be obtained from a memory, and if the user pays by using the system for the first time, and the corresponding relationship between the user ID and the card number of the bank card of the user is not stored in the memory, the corresponding user ID may be found from a bank server of a block chain.
Further, if the current memory stores the user ID bound with three banks, and the user uses a new bank card this time, the memory may update the current database to bind the new bank card with the user ID, so that four bank cards are bound with the updated user ID. That is, the memory has a function of updating in real time.
In another embodiment, the bank card with lower frequency of use among the plurality of bank cards gives priority to payment. Before generating deduction details of a plurality of bank cards, the system sorts the bank cards according to the use frequency of each bank card, the bank cards with lower use frequency can select preferential payment, the bank cards with lower use frequency indicate that the bank cards are not frequently used by users, and the amount in the bank cards can be deducted preferentially, so that the bank cards which are frequently used have enough amount for normal life of the users.
Further, after the user is authorized, the information in the information corresponding to the user ID is searched from the bank server of the blockchain, and the journal of the multiple bank cards is also included, and the preferential payment of the bank cards without fixed expenditure every month is displayed in the journal of the multiple bank cards. Here, it can be seen from the journal of the bank card that which bank card has a fixed expenditure every month and which bank card has no fixed expenditure, where the fixed expenditure may be house credit or car credit, and if one or two bank cards need house credit or car credit again every month, preferential payment can be avoided, so that it can be ensured that there is enough money to pay the house credit or car credit, and it is avoided that there is not enough money payment to cause overdue and affect the credit of the user.
In a specific embodiment, the manner of acquiring the card numbers of the multiple bank cards of the user comprises at least one of the following manners:
the first method comprises the following steps: scanning card numbers on a plurality of bank cards;
and the second method comprises the following steps: reading chips built in a plurality of bank cards, wherein card numbers of the plurality of bank cards are stored in the chips;
and the third is that: the user directly inputs the card numbers of a plurality of bank cards.
The second mode may be to read the built-in chip and obtain the card number and the user ID of the bank card at the same time, the second mode is to be preferentially selected for use, and the card number of the bank card may be obtained in the first mode or the second mode after the second mode fails. The invention obtains the card number information of the bank card in various ways, and can further improve the payment efficiency.
Fig. 3 is a schematic block diagram of a block chain based payment system according to one embodiment of the present invention. As shown in fig. 3, in a specific embodiment, the block chain-based payment system 100 includes an information obtaining module 10 and a processing module 20 connected to each other, wherein the information obtaining module 10 is configured to obtain card numbers of a plurality of bank cards of a user and a user ID corresponding to the card numbers, and send the card numbers to the processing module 20. The processing module 20 is configured to search information corresponding to the user ID from the bank server 70 of the block chain 60 after the user authorizes the user, where the information includes balances and usage frequencies of the multiple bank cards, generate deduction details of the multiple bank cards according to the amount of money to be paid, the balances of the multiple bank cards, and the usage frequencies of the multiple bank cards, send the deduction details of the multiple bank cards to the client of the user, and perform a deduction operation on the multiple bank cards according to the deduction details after the user authorizes the user, thereby completing payment.
The invention does not need the user to inquire the balance in each bank card and transfer the balances in a plurality of bank cards to one bank card, can automatically generate the deduction details according to the related information of the plurality of bank cards and uniformly execute the deduction operation, thereby lightening the burden of the user, facilitating the payment and improving the payment efficiency.
Fig. 4 is a schematic structural diagram of a block chain based payment system according to another embodiment of the present invention. As shown in fig. 4, the payment system 100 based on the blockchain 60 further includes a display module 40, and the display module 40 is configured to display the generated deduction details of the plurality of bank cards to the user. That is, the present invention may send the deduction details to the client of the user, or may display the deduction details to the user through the display module 40. The invention provides the deduction details for the user in various modes, and avoids the condition that the user cannot obtain the deduction details due to the failure of sending caused by a single mode.
Further, the user authorization may adopt a face swiping manner, and therefore, the payment system 100 is further provided with a face recognition module 30, which is used for acquiring a face image, comparing the face image with the face image in the bank service system of the block chain 60 through the processing module 20, and obtaining related bank card information from the bank service system of the block chain 60 only after the verification is successful.
In another embodiment, the processing module 20 is further configured to receive a deduction detail obtained by a user after the deduction details of the plurality of bank cards are changed, and then perform a deduction operation on the plurality of bank cards according to the changed deduction detail after the user authorizes the user, so as to complete payment. Here, the user may change the deduction details through the client, may directly change the deduction details on the display module 40, or may adopt a multi-mode.
Further, if the processing module 20 does not find the user ID corresponding to the card numbers of the multiple bank cards in the memory 50, the processing module searches the bank server 70 of the blockchain 60 for the user ID corresponding to the card numbers of the multiple bank cards, and then stores the corresponding relationship between the card numbers of the multiple bank cards and the user ID in the memory 50. That is, the payment system 100 updates the user information in real time, and finally stores more user information in the payment system 100 for direct invocation next time.
The invention can execute unified deduction according to deduction details after the authorization of the user, namely one-time deduction, and can complete payment only by swiping one face of the user, thereby saving the transfer and the account arrival time among a plurality of bank cards, greatly improving the payment efficiency and avoiding a plurality of troubles of the user.
Thus, it should be appreciated by those skilled in the art that while a number of exemplary embodiments of the invention have been illustrated and described in detail herein, many other variations or modifications consistent with the principles of the invention may be directly determined or derived from the disclosure of the present invention without departing from the spirit and scope of the invention. Accordingly, the scope of the invention should be understood and interpreted to cover all such other variations or modifications.
Claims (10)
1. A blockchain-based payment method, comprising:
acquiring card numbers of a plurality of bank cards of a user and a user ID corresponding to the card numbers;
searching information corresponding to the user ID from a bank server of the block chain after the user is authorized, wherein the information comprises the balance and the use frequency in the plurality of bank cards;
generating deduction details of the multiple bank cards according to the amount of money to be paid, the balance in the multiple bank cards and the use frequency of the multiple bank cards;
sending the deduction details of the plurality of bank cards to a client of a user;
and after the user authorizes the bank card, executing money deduction operation on the plurality of bank cards according to the money deduction details, thereby completing payment.
2. The payment method as recited in claim 1, wherein after sending the deduction details of the plurality of bank cards to the client of the user, further comprising:
receiving the deduction details of the plurality of bank cards changed by the user;
and after the user authorizes the bank card, executing money deduction operation on the plurality of bank cards according to the changed money deduction details, thereby completing payment.
3. The payment method of claim 1,
the deduction details of the plurality of bank cards comprise the existing balance of each bank card, the amount of money to be paid at this time and the balance after the payment is completed, wherein the balance after the payment is completed is required to be larger than the preset threshold amount.
4. A payment method as recited in claim 3,
the preset threshold amount is any value within the range of 20 yuan to 25 yuan.
5. The payment method as claimed in claim 1, wherein the step of obtaining card numbers of a plurality of bank cards of the user and a user ID corresponding to the card numbers comprises:
acquiring card numbers of a plurality of bank cards of a user;
and searching a memory for user IDs corresponding to the card numbers of the multiple bank cards.
6. A payment method as recited in claim 5,
if the user IDs corresponding to the card numbers of the multiple bank cards are not found in the memory, the user IDs corresponding to the card numbers of the multiple bank cards are found from a bank server of a block chain;
and storing the corresponding relation between the card numbers of the multiple bank cards and the user ID into the memory.
7. The payment method of claim 1,
and the bank card with lower use frequency in the plurality of bank cards pays preferentially.
8. A payment method as recited in claim 7,
the information also comprises journal accounts of the multiple bank cards;
and displaying the prior payment of the bank cards without fixed expenditure every month in the running accounts of the plurality of bank cards.
9. A payment method as claimed in claim 5, wherein the means of obtaining card numbers of a plurality of bank cards of the user comprises at least one of:
scanning card numbers on the multiple bank cards;
reading built-in chips of the multiple bank cards, wherein the card numbers of the multiple bank cards are stored in the chips;
and the user directly inputs the card numbers of the multiple bank cards.
10. The payment system based on the block chain is characterized by comprising an information acquisition module and a processing module which are connected with each other, wherein,
the information acquisition module is used for acquiring card numbers of a plurality of bank cards of a user and user IDs corresponding to the card numbers and sending the card numbers to the processing module;
the processing module is used for searching information corresponding to the user ID from a bank server of the block chain after the authorization of the user, wherein the information comprises the balance and the use frequency in the plurality of bank cards; then generating deduction details of the multiple bank cards according to the amount of money to be paid, the balance in the multiple bank cards and the use frequency of the multiple bank cards; then sending the deduction details of the multiple bank cards to a client of a user; and finally, executing money deduction operation on the plurality of bank cards according to the money deduction details after the user authorizes the bank card, thereby completing payment.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202010383633.0A CN111563735A (en) | 2020-05-08 | 2020-05-08 | Payment method and system based on block chain |
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| CN202010383633.0A CN111563735A (en) | 2020-05-08 | 2020-05-08 | Payment method and system based on block chain |
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| CN113129141A (en) * | 2021-05-19 | 2021-07-16 | 中国银行股份有限公司 | Block chain-based credit card line-crossing repayment method and device |
| CN114120546A (en) * | 2021-11-22 | 2022-03-01 | 中国银行股份有限公司 | Cross-bank withdrawal method and device based on block chain and face recognition |
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| CN111062710A (en) * | 2019-11-20 | 2020-04-24 | 四川商通实业有限公司 | APP-based multi-prepaid-card payment method and system |
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| CN108846651A (en) * | 2018-05-28 | 2018-11-20 | 数字乾元科技有限公司 | Virtual credit card method of commerce and system based on digital cash |
| CN110633982A (en) * | 2019-08-15 | 2019-12-31 | 中国平安财产保险股份有限公司 | Transaction payment method and transaction payment device based on block chain |
| CN111062710A (en) * | 2019-11-20 | 2020-04-24 | 四川商通实业有限公司 | APP-based multi-prepaid-card payment method and system |
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| CN113129141A (en) * | 2021-05-19 | 2021-07-16 | 中国银行股份有限公司 | Block chain-based credit card line-crossing repayment method and device |
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Application publication date: 20200821 |