CN113129141A - Block chain-based credit card line-crossing repayment method and device - Google Patents
Block chain-based credit card line-crossing repayment method and device Download PDFInfo
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Abstract
The invention discloses a block chain-based credit card line-crossing repayment method and a device, relating to the technical field of block chains, wherein the method comprises the following steps: collecting credit card account information and savings card account information of a credit card user; storing credit card account information and savings card account information of a credit card user on a blockchain network; collecting consumption record information of a credit card user according to credit card account information of the credit card user stored on a blockchain network; generating repayment detail information of the credit card user according to the consumption record information of the credit card user, and storing the repayment detail information to the block chain network; and determining one or more deposit cards according to the repayment detail information, the credit card account information and the deposit card account information of the credit card users stored on the blockchain network, and repaying the credit cards to be repayed. The invention can realize the cross-bank repayment of the credit card, thereby avoiding the problem of the failure of the repayment of the credit card caused by insufficient balance of a single savings card.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a block chain-based credit card line-crossing payment method and device.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
Due to the characteristics that the credit card can be consumed in advance and paid later, more and more users can use the credit card to consume, even some users may have more than one credit card, and because whether the credit card is paid on time or not can influence credit acquisition records of the users, the problem that how to ensure that the credit card of the users is paid on time is urgent to be solved.
At present, credit card systems of all banks are mutually independent, so that a user cannot pay across banks, and if a credit card of a certain bank is transacted, payment can be realized only by associating a deposit card in the same bank with the credit card. When repayment is carried out, if the balance of the deposit card associated with the credit card is less than the repayment amount of the credit card, the repayment of the credit card fails, and therefore the credit investigation record of the user is influenced.
Disclosure of Invention
The embodiment of the invention provides a block chain-based bank-crossing payment method for a credit card, which is used for solving the technical problems that in the prior art, the credit card system of each bank is independent, bank-crossing payment cannot be realized, and payment of the credit card is easy to fail, and comprises the following steps: collecting credit card account information and savings card account information of a credit card user; storing credit card account information and savings card account information of a credit card user on a blockchain network; collecting consumption record information of a credit card user according to credit card account information of the credit card user stored on a blockchain network; generating repayment detail information of the credit card user according to the consumption record information of the credit card user, and storing the repayment detail information to the block chain network; and determining one or more deposit cards according to the repayment detail information, the credit card account information and the deposit card account information of the credit card users stored on the blockchain network, and repaying the credit cards to be repayed.
The embodiment of the invention also provides a block chain-based credit card cross-bank repayment device, which is used for solving the technical problems that in the prior art, credit card systems of banks are independent, cross-bank repayment cannot be realized, and the repayment of credit cards is easy to fail, and comprises: the account information acquisition module is used for acquiring credit card account information and savings card account information of a credit card user; the account information blockchain storage module is used for storing the credit card account information and the savings card account information of the credit card user to a blockchain network; the consumption information acquisition module is used for acquiring consumption record information of the credit card user according to the credit card account information of the credit card user stored on the block chain network; the credit card repayment information generation module is used for generating repayment detail information of the credit card user according to the consumption record information of the credit card user and storing the repayment detail information of the credit card user to the block chain network; and the credit card repayment business transaction module is used for determining one or more deposit cards according to the repayment detail information, the credit card account information and the deposit card account information of the credit card users stored on the blockchain network and repayment is carried out on the credit card to be repayed.
The embodiment of the invention also provides computer equipment, which is used for solving the technical problems that in the prior art, credit card systems of banks are independent and can not realize cross-bank payment, so that the payment of credit cards is easy to fail.
An embodiment of the present invention further provides a computer-readable storage medium, which is used to solve the technical problem in the prior art that the credit card systems of banks are independent and can not realize cross-bank payment, so that the payment of a credit card is easy to fail.
According to the block chain credit card cross-bank repayment method, the device, the computer equipment and the computer readable storage medium, credit card account information and savings card account information of a credit card user are collected and stored on a block chain network, consumption record information of the credit card user is collected according to the credit card account information of the credit card user stored on the block chain network, repayment detail information of the credit card user is generated according to the consumption record information of the credit card user and stored on the block chain network, so that one or more savings cards are determined according to the repayment detail information, the credit card account information and the savings card account information of the credit card user stored on the block chain network, and the repayment of the credit card to be repacked is carried out.
Compared with the technical scheme that each bank credit card can only use the respective deposit card for repayment in the prior art, the embodiment of the invention can realize the cross-bank repayment of the credit card, thereby avoiding the problem of failure of the repayment of the credit card caused by insufficient balance of a single deposit card.
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In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart of a block chain-based method for repayment of a credit card across lines according to an embodiment of the present invention;
FIG. 2 is a flow chart of an alternative method for cross-bank payment of credit cards according to an embodiment of the present invention;
fig. 3 is a flowchart of a block chain-based credit card line-crossing payment service provided in an embodiment of the present invention;
fig. 4 is a schematic diagram of a block chain-based credit card line-crossing payment apparatus according to an embodiment of the present invention;
fig. 5 is a schematic diagram of a computer device provided in an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The embodiment of the present invention provides a block chain-based credit card line-crossing payment method, and fig. 1 is a flowchart of a block chain-based credit card line-crossing payment method provided in the embodiment of the present invention, as shown in fig. 1, the method includes the following steps:
s101, collecting credit card account information and savings card account information of a credit card user.
It should be noted that the credit card account information collected in the embodiment of the present invention includes, but is not limited to: credit card account number, available limit information, repayment date, repayment deposit card information, name, certificate type, certificate number and the like; the savings card account information collected in the embodiments of the present invention includes, but is not limited to: account number of deposit card, account balance information, name, certificate type, certificate number, etc.
In specific implementation, the system can be connected with business systems of all banks to acquire information input by a user when each bank applies for a credit card or a deposit card.
S102, the credit card account information and the deposit card account information of the credit card user are stored in the blockchain network.
It should be noted that the blockchain network in the embodiment of the present invention may be a blockchain network constructed by using each banking system as a blockchain storage node; or a single blockchain network, to which each banking system accesses through a blockchain client.
S103, collecting consumption record information of the credit card user according to the credit card account information of the credit card user stored on the block chain network.
It should be noted that the consumption record information collected in the embodiment of the present invention includes, but is not limited to: amount of consumption, name, type of certificate, number of certificate, account number of credit card, etc.; when the credit card user has credit card consumption, the consumption record information of the credit card user is collected. Alternatively, the collected consumption record information of the credit card user can be stored in the blockchain network, so that the consumption record information of the credit card user can be traced later.
And S104, generating repayment detail information of the credit card user according to the consumption record information of the credit card user, and storing the repayment detail information to the block chain network.
Because the credit card payment is generally to collect consumption records within a certain time period, and carry out unified payment to an appointed payment date; therefore, after the consumption record information of the credit card user is acquired, the repayment detail information (including the repayment date) of the credit card user can be generated and stored in the block chain network, so that when the repayment date of a certain credit card is reached, the repayment operation of the corresponding consumption record information is carried out at the current repayment date.
Optionally, the repayment detail information recorded in the embodiment of the present invention includes, but is not limited to: information of amount to be paid, name, certificate type, certificate number, credit card account number, date of payment, etc.
In order to avoid missing a certain consumption of the credit card user, the consumption record information of all credit cards related to the credit card user can be automatically collected every day according to the information of the name, the certificate type, the certificate number and the like of the credit card user.
And S105, determining one or more deposit cards according to the repayment detail information, the credit card account information and the deposit card account information of the credit card users stored on the blockchain network, and repaying the credit cards to be repayed.
It should be noted that, after the repayment detail information of the credit card user is generated, the credit card user can manually repay on the same day of the repayment day, and after receiving the repayment instruction of the credit card user, one or more deposit cards are determined according to the repayment detail information, the credit card account information and the deposit card account information of the credit card user stored on the blockchain network, and the repayment service is executed on the credit card to be repayed.
In order to avoid forgetting the repayment date, in one embodiment, before determining one or more deposit cards according to the repayment detail information, the credit card account information and the deposit card account information of the credit card users stored on the blockchain network and repayment is performed on the credit card to be repacked, the block-chain-based credit card cross-line repayment method provided in the embodiment of the present invention may further automatically monitor the repayment date of each credit card associated with the credit card user by the following steps: and monitoring whether each credit card associated with the credit card user reaches a repayment date or not according to the credit card account information of the credit card user stored on the blockchain network.
Since each user may have more than one deposit card and each deposit card may satisfy the payment condition, in order to implement intelligent cross-bank payment, in an embodiment, as shown in fig. 2, the block chain-based credit card cross-bank payment method provided in the embodiment of the present invention may implement payment of a credit card to be paid by the following steps:
s201, acquiring the amount information of the credit card to be paid on the day of the payment day and the balance information of a first deposit card, wherein the credit card to be paid is a credit card reaching the payment day, and the first deposit card is a deposit card associated with the credit card to be paid;
s202, judging whether the first deposit card meets the repayment condition or not according to the amount information of the credit card to be repayed on the repayment day and the balance information of the first deposit card;
s203, acquiring balance information of a plurality of second savings cards under the condition that the first savings card does not meet repayment conditions;
s204, screening one or more third saving cards meeting repayment conditions according to the amount information of the credit card to be repayed on the repayment day and the balance information of each second saving card;
and S205, executing the repayment business of the credit card to be repayed according to the repayment detail information of the credit card user, the credit card account information of the credit card to be repayed and the deposit card account information of each third deposit card stored on the blockchain network.
It should be noted that the first deposit card in the embodiment of the present invention is a deposit card associated with a credit card to be paid, and is typically a deposit card belonging to the same bank as the credit card to be paid, that is, a deposit card in the current bank.
Through the embodiment, the bank deposit card associated with the credit card to be paid is used for paying by default, and the bank-crossing deposit card is selected for paying only when the bank deposit card associated with the credit card to be paid does not meet the paying condition. Therefore, when the fact that the credit card to be paid reaches the payment date is detected, whether the bank savings card meets the payment condition or not is judged firstly (namely the account balance of the bank savings card is larger than or equal to the amount of money to be paid), and under the condition that the bank savings card does not meet the payment condition, account balance information of other savings cards under the name of the credit card user is obtained, and one or more third savings cards meeting the payment condition are screened out; it should be noted that the third deposit card selected here may be a single deposit card, which satisfies the payment condition, or a plurality of deposit cards together, which satisfies the payment condition.
In the case that there are a plurality of deposits which can satisfy the payment condition, the block chain-based credit card cross-bank payment method provided in the embodiment of the present invention may further select a deposit card for payment by the following steps: sorting each third savings card according to the historical transaction information of each third savings card; generating 5G repayment notification messages of the credit cards to be repayed according to the sequencing result, wherein the 5G repayment notification messages comprise all the third deposit cards meeting repayment conditions; and sending a 5G repayment notification message of the credit card to be repacked to a client of the credit card user, and receiving a 5G confirmation message returned by the client, wherein the 5G confirmation message comprises a fourth deposit card or a plurality of fifth deposit cards selected by the credit card user from various third deposit cards, the fourth deposit card is a deposit card of which the balance information in the card is more than or equal to the repayment amount, and the fifth deposit card is a deposit card of which the balance in the card is less than the repayment amount. The purpose of real-time message transmission can be realized by transmitting the repayment notice through the 5G message.
When the repayment service of the credit card to be repayed is executed according to the repayment detail information of the credit card user, the credit card account information of the credit card to be repayed and the deposit card account information of each third deposit card stored on the blockchain network, the automatic repayment transaction of the credit card can be realized through the following modes: when the 5G confirmation message contains the fourth deposit card, directly calling the banking transaction system of the fourth deposit card to execute the repayment service of the credit card to be repayed; and when the 5G confirmation message contains a plurality of fifth saving cards, calling the banking transaction system of each fifth saving card one by one to execute the repayment service of the credit card to be repayed until the repayment transaction amount meets the repayment amount of the credit card to be repayed.
When sorting each third savings card according to its historical transaction information, this can be achieved by: acquiring the business transaction amount of each third deposit card in a preset time period before the repayment date; and sequencing the third deposit cards according to the sequence of the business transaction amount from large to small.
In one embodiment, after determining one or more deposit cards according to the repayment detail information, the credit card account information and the deposit card account information of the credit card users stored on the blockchain network and repayment is performed on the credit card to be repayed, the blockchain-based credit card line-crossing repayment method provided in the embodiment of the present invention may further include the following steps: receiving a repayment record inquiry instruction of a credit card user; and outputting the repayment record information of the credit card user according to the repayment record inquiry instruction of the credit card user. Through the embodiment, the credit card users can conveniently check the repayment condition of each credit card under the name of the credit card users.
Fig. 3 is a block chain-based credit card line-crossing payment service flow chart provided in an embodiment of the present invention, as shown in fig. 3, specifically including:
1) credit card account information storage: and recording account information of all credit cards of the user.
When the bank is connected with each bank, the user applies for activating the credit card at each bank, the credit card account information of the user is recorded in the block chain network, and data preparation is provided for the same user to automatically repay on the repayment date and deduct the bank card fund across banks.
2) Consumption record information storage: and recording all consumption records of all credit cards of the user.
When the user consumes the credit card, the consumption record is stored in the block chain network and is used for subsequently inquiring the consumption record of the credit card of each bank under the same user name, and the automatic repayment on the same repayment date is realized by comparing the corresponding repayment dates.
3) Automatic monitoring of credit card repayment: and generating a repayment daily payment detail through the account information and the consumption record.
All credit card consumption records under the same user name are automatically inquired every day according to the name, the certificate type and the certificate number, and the to-be-paid details on the day of the repayment date are recorded in the blockchain network by comparing the corresponding repayment date.
4) Automatic allocation of repayment savings cards: by inquiring the detail record of the payment to be paid, automatic intelligent payment is realized, and manual operation is avoided.
And automatically inquiring the detail record of the payment to be paid every day, and processing the detail record one by one. If the current day is a repayment day, deducting and repayment is carried out on the bank card of the bank corresponding to the repayment record, when the balance of the bank card of the bank is smaller than the amount of money to be repayed, other bank card information of the same user is inquired by butting other banks, wherein the information comprises the number of transaction strokes transferred by each bank card in the last half year and the balance of each bank card, the balance of each bank card is compared with the amount of money to be repayed, the balance of the card is greater than the amount of money to be repayed and is an A-type card, the amount of money to be repayed is a B-type card, and the A-type card is arranged in front of the B-type card in a sorting; in the A, B kinds of cards, the reverse order is performed according to the number of the transaction strokes of each bank card, because the card with the largest number of the transaction strokes is rotated out, which indicates that the user uses the card most frequently, and the card is most likely to be used as a repayment bank card.
Sending the sequenced A, B card information to a user through a 5G message, wherein the user can select one or more bank cards as repayment bank cards, and the card information comprises: card number, balance, etc. And after the user selects the bank card number, the selected bank card number is sent to the module through the 5G message. Calling the repayment transaction of the corresponding bank according to the bank card number, and calling the repayment transaction of the corresponding bank one by one from the balance of the bank card of other banks until the repayment amount is met if the user selects a plurality of B-type cards, so that the problem of failure of repayment due to insufficient balance is solved.
5) And (3) inquiring the repayment record of the credit card: the function of inquiring the repayment record is provided for the user, and the user can conveniently check which credit card is used and which credit card is used for consumption.
Based on the same inventive concept, the embodiment of the present invention further provides a block chain-based credit card line-crossing payment apparatus, as described in the following embodiments. Because the principle of solving the problems of the device is similar to the block chain-based line-crossing credit card payment method, the implementation of the device can refer to the implementation of the block chain-based line-crossing credit card payment method, and repeated details are not repeated.
Fig. 4 is a schematic diagram of a block chain-based credit card line-crossing payment apparatus according to an embodiment of the present invention, as shown in fig. 4, the apparatus includes: the system comprises an account information acquisition module 41, an account information blockchain storage module 42, a consumption information acquisition module 43, a credit card repayment information generation module 44 and a credit card repayment business transaction module 45.
The account information acquisition module 41 is configured to acquire credit card account information and savings card account information of a credit card user; an account information blockchain storage module 42, configured to store credit card account information and savings card account information of a credit card user onto a blockchain network; a consumption information collecting module 43, configured to collect consumption record information of the credit card user according to the credit card account information of the credit card user stored on the blockchain network; a credit card repayment information generation module 44, configured to generate repayment detail information of the credit card user according to the consumption record information of the credit card user, and store the repayment detail information in the blockchain network; and the credit card repayment business transaction module 45 is used for determining one or more deposit cards according to the repayment detail information, the credit card account information and the deposit card account information of the credit card users stored on the blockchain network and repayment is carried out on the credit card to be repayed.
In one embodiment, the block chain-based credit card line-crossing payment apparatus provided in the embodiment of the present invention may further include: and the credit card repayment date monitoring module 46 is used for monitoring whether each credit card associated with the credit card user reaches a repayment date or not according to the credit card account information of the credit card user stored on the block chain network.
In one embodiment, in the block chain-based credit card line-crossing payment apparatus provided in the embodiment of the present invention, the credit card payment transaction module 45 is further configured to: acquiring the amount information of the credit card to be paid on the day of payment and the balance information of a first deposit card, wherein the credit card to be paid is a credit card reaching the date of payment, and the first deposit card is a deposit card associated with the credit card to be paid; judging whether the first deposit card meets the repayment condition or not according to the information of the amount to be paid of the credit card on the repayment day and the balance information of the first deposit card; when the first savings card does not meet the repayment condition, balance information of a plurality of second savings cards is obtained; screening one or more third saving cards meeting repayment conditions according to the amount information of the credit card to be repayed on the repayment day and the balance information of each second saving card; and executing the repayment business of the credit card to be repayed according to the repayment detail information of the credit card user, the credit card account information of the credit card to be repayed and the deposit card account information of each third deposit card stored on the blockchain network.
In one embodiment, the block chain-based credit card line-crossing payment apparatus provided in the embodiment of the present invention may further include: a credit card payment notification module 47 for: sorting each third savings card according to the historical transaction information of each third savings card; generating 5G repayment notification messages of the credit cards to be repayed according to the sequencing result, wherein the 5G repayment notification messages comprise all the third deposit cards meeting repayment conditions; and sending a 5G repayment notification message of the credit card to be repacked to a client of the credit card user, and receiving a 5G confirmation message returned by the client, wherein the 5G confirmation message comprises a fourth deposit card or a plurality of fifth deposit cards selected by the credit card user from various third deposit cards, the fourth deposit card is a deposit card of which the balance information in the card is more than or equal to the repayment amount, and the fifth deposit card is a deposit card of which the balance in the card is less than the repayment amount.
In an embodiment, in the block chain-based credit card cross-bank payment apparatus provided in an embodiment of the present invention, the credit card payment transaction module is further configured to: when the 5G confirmation message contains the fourth deposit card, directly calling the banking transaction system of the fourth deposit card to execute the repayment service of the credit card to be repayed; and when the 5G confirmation message contains a plurality of fifth saving cards, calling the banking transaction system of each fifth saving card one by one to execute the repayment service of the credit card to be repayed until the repayment transaction amount meets the repayment amount of the credit card to be repayed.
In one embodiment, in the block chain-based credit card line-crossing payment apparatus provided in the embodiment of the present invention, the credit card payment notifying module 47 is further configured to: acquiring the business transaction amount of each third deposit card in a preset time period before the repayment date; and sequencing all the third deposit cards according to the sequence of the business transaction amount from large to small.
In one embodiment, the block chain-based credit card line-crossing payment apparatus provided in the embodiment of the present invention may further include: a credit card repayment record inquiry module 48 for receiving a repayment record inquiry command of the credit card user; and outputting the repayment record information of the credit card user according to the repayment record inquiry instruction of the credit card user.
Based on the same inventive concept, an embodiment of the present invention further provides a computer device, so as to solve the technical problem in the prior art that a credit card system of each bank is independent and cannot realize cross-bank payment, so that a payment of a credit card is easy to fail, fig. 5 is a schematic diagram of a computer device provided in an embodiment of the present invention, as shown in fig. 5, the computer device 50 includes a memory 501, a processor 502, and a computer program stored on the memory 502 and operable on the processor 501, and when the processor 502 executes the computer program, the block chain-based cross payment method for a credit card is realized.
Based on the same inventive concept, an embodiment of the present invention further provides a computer-readable storage medium, so as to solve the technical problem that in the prior art, the credit card systems of banks are independent, and cross-bank repayment cannot be achieved, so that the repayment of a credit card is easy to fail.
In summary, the block-chain credit card line-crossing payment method, device, computer equipment, and computer-readable storage medium provided in the embodiments of the present invention collect credit card account information and savings card account information of a credit card user, store the credit card account information and savings card account information of the credit card user on a block-chain network, further collect consumption record information of the credit card user according to the credit card account information of the credit card user stored on the block-chain network, generate repayment detail information of the credit card user according to the consumption record information of the credit card user, and store the repayment detail information of the credit card user on the block-chain network, so as to determine one or more savings cards according to the repayment detail information, credit card account information, and savings card account information of the credit card user stored on the block-chain network, and pay for the credit card to be repayed.
Compared with the technical scheme that each bank credit card can only use the respective deposit card for repayment in the prior art, the embodiment of the invention can realize the cross-bank repayment of the credit card, thereby avoiding the problem of failure of the repayment of the credit card caused by insufficient balance of a single deposit card.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (16)
1. A block chain-based credit card line-crossing repayment method is characterized by comprising the following steps:
collecting credit card account information and savings card account information of a credit card user;
storing the credit card account information and the savings card account information of the credit card user on a blockchain network;
collecting consumption record information of the credit card user according to the credit card account information of the credit card user stored on the block chain network;
generating repayment detail information of the credit card user according to the consumption record information of the credit card user, and storing the repayment detail information to the block chain network;
and determining one or more deposit cards according to the repayment detail information, the credit card account information and the deposit card account information of the credit card users stored on the blockchain network, and repaying the credit cards to be repayed.
2. The method of claim 1, wherein, prior to determining one or more savings cards from the credit card user's repayment particulars information, credit card account information, and savings card account information stored on the blockchain network, the method further comprises:
and monitoring whether each credit card associated with the credit card user reaches a repayment date or not according to the credit card account information of the credit card user stored on the block chain network.
3. The method of claim 2, wherein determining one or more savings cards from the credit card user's repayment details, credit card account information, and savings card account information stored on the blockchain network, a repayment to be made to a credit card, comprises:
acquiring the amount information of the credit card to be paid on the day of payment and the balance information of a first deposit card, wherein the credit card to be paid is a credit card reaching the date of payment, and the first deposit card is a deposit card associated with the credit card to be paid;
judging whether the first deposit card meets the repayment condition or not according to the amount information of the credit card to be repayed on the repayment day and the balance information of the first deposit card;
when the first savings card does not meet the repayment condition, balance information of a plurality of second savings cards is obtained;
screening one or more third saving cards meeting repayment conditions according to the amount information of the credit card to be repayed on the repayment day and the balance information of each second saving card;
and executing the repayment business of the credit card to be repayed according to the repayment detail information of the credit card user, the credit card account information of the credit card to be repayed and the deposit card account information of each third deposit card stored on the block chain network.
4. The method of claim 3, wherein before performing the payment transaction for the credit card to be paid according to the payment particulars information of the credit card user, the credit card account information of the credit card to be paid, and the deposit card account information of each third deposit card stored on the blockchain network, the method further comprises:
sorting each third savings card according to the historical transaction information of each third savings card;
generating 5G repayment notification messages of the credit cards to be repayed according to the sequencing result, wherein the 5G repayment notification messages comprise all the third deposit cards meeting repayment conditions;
and sending the 5G repayment notification message of the credit card to be repacked to a client of a credit card user, and receiving a 5G confirmation message returned by the client, wherein the 5G confirmation message comprises a fourth deposit card or a plurality of fifth deposit cards selected by the credit card user from all third deposit cards, the fourth deposit card is a deposit card with the balance information in the card being more than or equal to the repayment amount, and the fifth deposit card is a deposit card with the balance in the card being less than the repayment amount.
5. The method of claim 4, wherein performing the payment transaction for the credit card to be paid according to the payment particulars information of the credit card user, the credit card account information of the credit card to be paid and the deposit card account information of each third deposit card stored on the blockchain network comprises:
when the 5G confirmation message contains a fourth deposit card, directly calling a banking transaction system of the fourth deposit card to execute the repayment service of the credit card to be repayed;
and when the 5G confirmation message contains a plurality of fifth saving cards, calling the banking transaction system of each fifth saving card one by one to execute the repayment service of the credit card to be repayed until the repayment transaction amount meets the repayment amount of the credit card to be repayed.
6. The method of claim 4, wherein sorting each third savings card based on historical transaction information for each third savings card comprises:
acquiring the business transaction amount of each third deposit card in a preset time period before the repayment date;
and sequencing the third deposit cards according to the sequence of the business transaction amount from large to small.
7. The method of any one of claims 1 to 6, wherein after determining one or more savings cards from the repayment particulars information, credit card account information and savings card account information of the credit card user stored on the blockchain network, a repayment to a credit card to be repayment is performed, the method further comprises:
receiving a repayment record inquiry instruction of the credit card user;
and outputting the repayment record information of the credit card user according to the repayment record inquiry instruction of the credit card user.
8. A block chain-based credit card line-crossing payment device, comprising:
the account information acquisition module is used for acquiring credit card account information and savings card account information of a credit card user;
the account information blockchain storage module is used for storing the credit card account information and the savings card account information of the credit card user to a blockchain network;
the consumption information acquisition module is used for acquiring consumption record information of the credit card user according to the credit card account information of the credit card user stored on the block chain network;
the credit card repayment information generation module is used for generating repayment detail information of the credit card user according to the consumption record information of the credit card user and storing the repayment detail information of the credit card user to the block chain network;
and the credit card repayment business transaction module is used for determining one or more deposit cards according to the repayment detail information, the credit card account information and the deposit card account information of the credit card users stored on the block chain network and repayment is carried out on the credit card to be repayed.
9. The apparatus of claim 8, wherein the apparatus further comprises: and the credit card repayment date monitoring module is used for monitoring whether each credit card associated with the credit card user reaches a repayment date or not according to the credit card account information of the credit card user stored on the block chain network.
10. The apparatus of claim 9, wherein the credit card payment transaction module is further configured to: acquiring the amount information of the credit card to be paid on the day of payment and the balance information of a first deposit card, wherein the credit card to be paid is a credit card reaching the date of payment, and the first deposit card is a deposit card associated with the credit card to be paid; judging whether the first deposit card meets the repayment condition or not according to the amount information of the credit card to be repayed on the repayment day and the balance information of the first deposit card; when the first savings card does not meet the repayment condition, balance information of a plurality of second savings cards is obtained; screening one or more third saving cards meeting repayment conditions according to the amount information of the credit card to be repayed on the repayment day and the balance information of each second saving card; and executing the repayment business of the credit card to be repayed according to the repayment detail information of the credit card user, the credit card account information of the credit card to be repayed and the deposit card account information of each third deposit card stored on the block chain network.
11. The apparatus of claim 10, wherein the apparatus further comprises: a credit card payment notification module for: sorting each third savings card according to the historical transaction information of each third savings card; generating 5G repayment notification messages of the credit cards to be repayed according to the sequencing result, wherein the 5G repayment notification messages comprise all the third deposit cards meeting repayment conditions; and sending the 5G repayment notification message of the credit card to be repacked to a client of a credit card user, and receiving a 5G confirmation message returned by the client, wherein the 5G confirmation message comprises a fourth deposit card or a plurality of fifth deposit cards selected by the credit card user from all third deposit cards, the fourth deposit card is a deposit card with the balance information in the card being more than or equal to the repayment amount, and the fifth deposit card is a deposit card with the balance in the card being less than the repayment amount.
12. The apparatus of claim 11, wherein the credit card payment transaction module is further configured to: when the 5G confirmation message contains a fourth deposit card, directly calling a banking transaction system of the fourth deposit card to execute the repayment service of the credit card to be repayed; and when the 5G confirmation message contains a plurality of fifth savings cards, calling the banking transaction system of each fifth savings card one by one to execute the repayment service of the credit card to be repayed until the repayment transaction amount meets the repayment amount of the credit card to be repayed.
13. The apparatus of claim 11, wherein the credit card payment notification module is further configured to: acquiring the business transaction amount of each third deposit card in a preset time period before the repayment date; and sequencing all the third deposit cards according to the sequence of the business transaction amount from large to small.
14. The apparatus of any of claims 8 to 13, further comprising: the credit card repayment record inquiry module is used for receiving a repayment record inquiry instruction of the credit card user; and outputting the repayment record information of the credit card user according to the repayment record inquiry instruction of the credit card user.
15. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the computer program implements the blockchain based line-crossing payment method of any one of claims 1 to 7.
16. A computer-readable storage medium storing a computer program for executing the block chain-based credit card line-crossing payment method according to any one of claims 1 to 7.
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