CN114677128A - Block chain-based public purse cubing method and device - Google Patents

Block chain-based public purse cubing method and device Download PDF

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Publication number
CN114677128A
CN114677128A CN202210293959.3A CN202210293959A CN114677128A CN 114677128 A CN114677128 A CN 114677128A CN 202210293959 A CN202210293959 A CN 202210293959A CN 114677128 A CN114677128 A CN 114677128A
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merchant
information
public
processing result
wallet
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梁栋
张嘉清
付晖
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Bank of China Ltd
Digital Currency Institute of the Peoples Bank of China
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Bank of China Ltd
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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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management

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  • Engineering & Computer Science (AREA)
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  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
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  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a public wallet cubing method and a public wallet cubing device based on a block chain, and relates to the technical field of block chains; wherein the method comprises the following steps: receiving a request submitted by a third party payment terminal according to the digital currency use request of a merchant for opening a public wallet; generating an electronic protocol according to the request for opening the public wallet and sending the electronic protocol to a third party payment terminal; the electronic protocol is used for prompting a merchant to open protocol information of a public wallet; receiving merchant information sent by a third party payment terminal in batch after a merchant signs an electronic protocol; establishing corresponding public wallets for corresponding merchants in batches according to the merchant information and generating corresponding processing result information; wherein the processing result information includes: merchant number, wallet identification, response code information and public wallet opening result; and sending the processing result information to the third party payment terminal in batch, and storing the processing result information in the block chain. The invention can improve the processing efficiency of the digital currency information and improve the user experience.

Description

Public wallet cubing method and device based on block chain
Technical Field
The invention relates to the technical field of block chains, in particular to a public wallet cubing method and device based on block chains.
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.
The third-party payment mechanism provides services such as payment, account transfer, payment deduction and the like for enterprises and merchants, and with the increasing frequency of the use of digital currency, the enterprises and the merchants gradually need to pay and settle accounts through the digital currency, but the third-party payment mechanism cannot issue the digital currency, so that the third-party payment mechanism cannot provide services related to the digital currency for the enterprises and the merchants, the current digital currency utilization rate is low, the digital currency information processing efficiency is low, and the user experience degree is poor.
Disclosure of Invention
The embodiment of the invention provides a block chain-based public wallet cubing method, which is applied to a node of a block chain, wherein the node is a bank terminal and is used for improving the utilization rate of digital currency, improving the processing efficiency of digital currency information and improving the user experience degree, and the method comprises the following steps:
receiving a request for opening a public wallet submitted by a third party payment terminal according to a digital currency use request of a merchant;
generating an electronic protocol according to the request for opening the public wallet and sending the electronic protocol to a third party payment terminal; the electronic protocol is used for prompting a merchant to open protocol information of a public wallet;
receiving merchant information sent by a third party payment terminal in batch after a merchant signs an electronic protocol;
establishing corresponding public wallets for corresponding merchants in batches according to the merchant information and generating corresponding processing result information; wherein the processing result information includes: merchant number, wallet identification, response code information and public wallet opening result;
and sending the processing result information to the third party payment terminal in batch, and storing the processing result information in the block chain.
The embodiment of the invention also provides a block chain-based public wallet cubing method, which is applied to a node of the block chain, wherein the node is a third-party payment terminal and is used for improving the utilization rate of digital currency, improving the processing efficiency of digital currency information and improving the user experience degree, and the method comprises the following steps:
generating a request for opening a public wallet according to a digital currency use request of a merchant, and sending the request for opening the public wallet to a bank terminal; the digital currency use request carries merchant information;
receiving an electronic protocol sent by a bank terminal, and displaying the electronic protocol to a merchant;
after the merchant signs the electronic agreement, the merchant information is audited, and the merchant information passing the audit is sent to the bank terminal in batch;
receiving processing result information sent by the bank terminal in batch, and providing corresponding digital currency service for the merchant according to the processing result information; wherein the processing result information includes: merchant number, wallet identification, answer code information, and a result of the public wallet.
The embodiment of the invention also provides a device for opening a public wallet based on the blockchain, which is applied to the nodes of the blockchain, wherein the nodes are bank terminals and are used for improving the utilization rate of digital currency, improving the processing efficiency of digital currency information and improving the user experience, and the device comprises:
the first receiving module is used for receiving a request for opening a public wallet submitted by a third-party payment terminal according to a digital currency use request of a merchant;
the electronic protocol generating module is used for generating an electronic protocol according to the request for opening the public wallet and sending the electronic protocol to a third party payment terminal; the electronic protocol is used for prompting a merchant to open protocol information of a public wallet;
the second receiving module is used for receiving merchant information which is sent by the third-party payment terminal in batches after the merchant signs the electronic protocol;
the first processing module is used for establishing corresponding public purses for the corresponding merchants in batches according to the merchant information and generating corresponding processing result information; wherein the processing result information includes: merchant number, wallet identification, response code information and public wallet opening result;
and the second processing module is used for sending the processing result information to the third-party payment terminal in batches and storing the processing result information in the block chain.
The embodiment of the invention also provides a device for opening a public wallet based on the blockchain, which is applied to the nodes of the blockchain, wherein the nodes are third-party payment terminals and are used for improving the utilization rate of digital currency, improving the processing efficiency of digital currency information and improving the user experience, and the device comprises:
the sending module is used for generating a request for opening a public wallet according to the digital currency use request of the merchant and sending the request for opening the public wallet to the bank terminal; the digital currency use request carries merchant information;
the third processing module is used for receiving the electronic protocol sent by the bank terminal and displaying the electronic protocol to the merchant;
the fourth processing module is used for auditing the merchant information after the merchant signs the electronic protocol, and sending the merchant information which passes the auditing to the bank terminal in batch;
the fifth processing module is used for receiving processing result information sent by the bank terminal in batches and providing corresponding digital currency service for the merchant according to the processing result information; wherein the processing result information includes: merchant number, wallet identification, answer code information, and a result of the public wallet.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the computer program to realize the block chain-based method for cubing the public money packet.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the block chain-based method for cubing a public wallet is implemented.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when executed by a processor, the block chain-based method for cubing a public wallet is implemented.
In the embodiment of the invention, a bank terminal is used as a node in a block chain, and the following method is executed: receiving a request for opening a public wallet submitted by a third party payment terminal according to a digital currency use request of a merchant; generating an electronic protocol according to the request for opening the public wallet and sending the electronic protocol to a third party payment terminal; the electronic protocol is used for prompting a merchant to open protocol information of a public wallet; receiving merchant information sent by a third party payment terminal in batch after a merchant signs an electronic protocol; establishing corresponding public wallets for corresponding merchants in batches according to the merchant information and generating corresponding processing result information; wherein the processing result information includes: merchant number, wallet identification, response code information and public wallet opening result; and sending the processing result information to the third party payment terminal in batch, and storing the processing result information in the block chain. Therefore, the bank terminal establishes the corresponding public wallet for the merchant, so that the third party payment terminal can provide digital currency service for the merchant, the user experience degree is improved, the utilization rate of the digital currency is improved, the information processing efficiency of the digital currency is improved, and the use safety of the digital currency is improved through the block chain.
In addition, the third party payment terminal is used as a node in the block chain and executes the following method: generating a request for opening a public wallet according to a digital currency use request of a merchant, and sending the request for opening the public wallet to a bank terminal; the digital currency use request carries merchant information; receiving an electronic protocol sent by a bank terminal, and displaying the electronic protocol to a merchant; after the merchant signs the electronic agreement, the merchant information is audited, and the merchant information passing the audit is sent to the bank terminal in batch; receiving processing result information sent by the bank terminal in batch, and providing corresponding digital currency service for the merchant according to the processing result information; wherein the processing result information includes: merchant number, wallet identification, answer code information, and a result of the public wallet. Therefore, the third-party payment terminal can provide digital currency service for the merchant, so that the user experience is improved, and the processing efficiency of digital currency information is improved.
Drawings
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 cubing a public wallet provided in an embodiment of the present invention;
FIG. 2 is a flow chart of another block chain-based method for cubing public money bags according to an embodiment of the present invention;
FIG. 3 is a flowchart illustrating an overall implementation of a block chain-based method for cubing a public wallet according to another embodiment of the present invention;
fig. 4 is a schematic diagram of a block chain-based public wallet opening device provided in an embodiment of the present invention;
fig. 5 is a schematic diagram of another block chain-based public wallet opening 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 term "and/or" herein merely describes an associative relationship, meaning that three relationships may exist, e.g., a and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the term "at least one" herein means any one of a plurality or any combination of at least two of a plurality, for example, including at least one of A, B, C, and may mean including any one or more elements selected from the group consisting of A, B and C.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.
Research shows that the third-party payment mechanism provides services such as payment, account transfer, deduction and the like for enterprises and merchants, and with the more frequent use of digital currency, the enterprises and the merchants gradually need to pay and settle accounts through the digital currency, but the third-party payment mechanism cannot issue the digital currency, so that the third-party payment mechanism cannot provide services related to the digital currency for the enterprises and the merchants, the current digital currency utilization rate is low, the digital currency information processing efficiency is low, and the user experience degree is poor.
In view of the above research, an embodiment of the present invention provides a block chain-based public wallet cubing method, which is applied to a node of a block chain, where the node is a bank terminal, and as shown in fig. 1, the method includes:
s101: receiving a request for opening a public wallet submitted by a third party payment terminal according to a digital currency use request of a merchant;
s102: generating an electronic protocol according to the request for opening the public wallet and sending the electronic protocol to a third party payment terminal; the electronic protocol is used for prompting a merchant to open protocol information of a public wallet;
s103: receiving merchant information sent by a third party payment terminal in batch after a merchant signs an electronic protocol;
s104: establishing corresponding public wallets for corresponding merchants in batches according to the merchant information and generating corresponding processing result information; wherein the processing result information includes: merchant number, wallet identification, response code information and public wallet opening result;
s105: and sending the processing result information to the third party payment terminal in batch, and storing the processing result information in the block chain.
In the embodiment of the invention, a bank terminal is used as a node in a block chain, and the following method is executed: receiving a request for opening a public wallet submitted by a third party payment terminal according to a digital currency use request of a merchant; generating an electronic protocol according to the request for opening the public wallet and sending the electronic protocol to a third party payment terminal; the electronic protocol is used for prompting a merchant to open protocol information of a public wallet; receiving merchant information sent by a third party payment terminal in batch after a merchant signs an electronic protocol; establishing corresponding public wallets for corresponding merchants in batches according to the merchant information and generating corresponding processing result information; wherein the processing result information includes: merchant number, wallet identification, response code information and public wallet opening result; and sending the processing result information to the third party payment terminal in batch, and storing the processing result information in the block chain. Therefore, the bank terminal establishes the corresponding public wallet for the merchant, so that the third party payment terminal can provide digital currency service for the merchant, the user experience degree is improved, the utilization rate of the digital currency is improved, the information processing efficiency of the digital currency is improved, and the use safety of the digital currency is improved through the block chain.
The block chain based public wallet open cube method of an embodiment of the present invention is described in detail below.
For the above S101, the third party payment terminal includes, for example, a terminal device for providing services such as payment, account transfer, deduction and the like for enterprises and merchants. The digital money includes, for example: digital renminbi, etc.
Specifically, a merchant needs to use digital currency to settle accounts in some service scenes, when a third-party payment terminal is used to settle accounts, if the third-party payment terminal is used for the first time, a digital currency use request can be initiated through the third-party payment terminal, and a bank terminal receives a public wallet opening request submitted by the third-party payment terminal according to the digital currency use request of the merchant.
For the above S102, the electronic protocol is used to prompt the merchant to open protocol information for the public wallet. Specifically, the electronic protocol includes, for example, at least one of: whether to agree with the agreement of the bank terminal on the public wallet, know the agreement on the public wallet, agree with the agreement of the third party payment terminal on transmitting the merchant information required for opening the wallet to the bank terminal, and the like.
For the above S103, the merchant information includes at least one of the following: merchant business license information, merchant category information, merchant registration address information, merchant corporate information, and the like.
In an embodiment of the present invention, the merchant information sent by the third party payment terminal includes, for example: picture, video, text, etc., such as merchant license information including an image of the merchant license.
Specifically, in order to improve the information processing efficiency, the third party payment terminal can send the merchant information in batch, and the bank terminal can open a public wallet in batch according to the batch merchant information.
For the above S104, the processing result information includes, for example: merchant number, wallet identification, answer code information, public wallet opening results, and the like.
The merchant number includes, for example: the third party pays the terminal merchant number, bank terminal merchant number.
In addition, in order to ensure the safety of the merchant information, the merchant information sent by the third-party payment terminal in batch is encrypted merchant information for example; when establishing corresponding public wallets for the corresponding merchants in batch according to the merchant information and generating corresponding processing result information, for example, the following method may be adopted: and decrypting the received batch merchant information, issuing corresponding public purses for the corresponding merchants in batch according to the decrypted merchant information, and generating corresponding processing result information.
In the above S105, in order to ensure the information processing efficiency, the bank terminal may adopt a batch transmission method, for example, when transmitting the processing result information to the third party payment terminal.
Here, when the bank terminal sends the processing result information in batch:
the method comprises the following steps: the processing result information sent in batches each time may be determined according to the batch in which the merchant information is sent by the third party payment terminal, for example.
Illustratively, the merchant information sent by the third-party payment terminal in the first batch includes merchant information of the merchant 1, the merchant 2, and the merchant 3, and the merchant information of the merchant 4, the merchant 5, the merchant 6, and the merchant 7 in the second batch, so that when the bank terminal returns processing result information, the processing result information corresponding to the merchant 1, the merchant 2, and the merchant 3 in the first batch, and the processing result information corresponding to the merchant 4, the merchant 5, the merchant 6, and the merchant 7 in the second batch are returned.
Or, the second step: the processing result information sent in batches at a time may also be determined, for example, based on the progress of the processing of the public purse.
Illustratively, the merchant information sent by the third-party payment terminal in the first batch includes merchant information of the merchant 1, the merchant 2, and the merchant 3, and the merchant information of the merchant 4, the merchant 5, the merchant 6, and the merchant 7, when the bank terminal returns the processing result information, the processing result information corresponding to the merchant 1, the merchant 2, the merchant 3, and the merchant 4 is generated, and the processing result information corresponding to the merchant 5, the merchant 6, and the merchant 7 is not generated, then the processing result information corresponding to the merchant 1, the merchant 2, the merchant 3, and the merchant 4 is sent in the first batch, and the processing result information corresponding to the merchant 5, the merchant 6, and the merchant 7 is sent in the corresponding batch after being generated.
Further, when the processing result information is stored in the block chain, for example, the following method may be employed: and carrying out Hash processing on the processing result information in batch, and storing the processing result information after Hash processing into a block chain after signing.
In addition, in order to further improve the user experience, in an embodiment of the present invention, the merchant information further includes, for example: e-mail address information of the merchant; after the processing result information is sent to the third party payment terminal in batch, the method further comprises the following steps: and sending a public wallet opening result to the corresponding commercial tenants in batch according to the mail address information.
In addition, another embodiment of the present invention further provides a block chain-based public wallet cubing method, which is applied to a node of a block chain, where the node is a third party payment terminal, as shown in fig. 2, and the method includes:
s201: generating a request for opening a public wallet according to a digital currency use request of a merchant, and sending the request for opening the public wallet to a bank terminal; the digital currency use request carries merchant information;
s202: receiving an electronic protocol sent by a bank terminal, and displaying the electronic protocol to a merchant;
s203: after the merchant signs the electronic agreement, the merchant information is audited, and the merchant information passing the audit is sent to the bank terminal in batch;
s204: receiving processing result information sent by the bank terminal in batch, and providing corresponding digital currency service for the merchant according to the processing result information; wherein the processing result information includes: merchant number, wallet identification, answer code information, and a result of the public wallet.
In the embodiment of the invention, a third party payment terminal is used as a node in a block chain, and executes the following method: generating a request for opening a public wallet according to a digital currency use request of a merchant, and sending the request for opening the public wallet to a bank terminal; the digital currency use request carries merchant information; receiving an electronic protocol sent by a bank terminal, and displaying the electronic protocol to a merchant; after the merchant signs the electronic agreement, the merchant information is audited, and the merchant information passing the audit is sent to the bank terminal in batch; receiving processing result information sent by the bank terminal in batch, and providing corresponding digital currency service for the merchant according to the processing result information; wherein the processing result information includes: merchant number, wallet identification, answer code information, and a result of the public wallet. Therefore, the third-party payment terminal can provide digital currency service for the merchant, so that the user experience is improved, and the processing efficiency of digital currency information is improved.
The block chain based public wallet cubing method of the embodiment of the present invention is described in detail below.
As to S201, the request for using the digital money of the merchant may be submitted through a digital money usage link of the third party payment terminal, for example, the link may be displayed on a service transaction page of the third party payment terminal, or may be displayed on a settlement page where the user needs to perform settlement using the digital money.
For the above S203, the auditing the merchant information includes, for example: and checking whether the merchant information is true, checking whether the merchant information is missing, checking whether the merchant information meets the specification, and the like.
In addition, in order to further ensure the security of the merchant information, in an embodiment of the present invention, when the merchant information that is approved is sent to the bank terminal in batch, for example, the following method is adopted: and encrypting the approved merchant information, and sending the encrypted merchant information to the bank terminal in batch.
In order to better understand the public wallet cubing method based on the block chain, as shown in fig. 3, an overall implementation flowchart of a public wallet cubing method based on a block chain according to another embodiment of the present invention is provided, where a bank terminal and a third party payment terminal are respectively connected to a block chain as nodes of the block chain; (1): the third party payment terminal receives a digital currency use request of a merchant; (2) the third party payment terminal generates a request for opening a public wallet and sends the request for opening the public wallet to the bank terminal; (3): the bank terminal receives a public wallet opening request submitted by a third-party payment terminal according to a digital currency use request of a merchant, generates an electronic protocol according to the public wallet opening request and sends the electronic protocol to the third-party payment terminal; (4): the third party payment terminal receives the electronic protocol sent by the bank terminal and displays the electronic protocol to the merchant; (5) the merchant signs the electronic agreement; (6) the third party payment terminal verifies the merchant information after the merchant signs the electronic protocol, and sends the merchant information passing the verification to the bank terminal in batch; (7) the bank terminal receives merchant information which is sent in batch by the third-party payment terminal after a merchant signs an electronic protocol, establishes corresponding public purses for the corresponding merchants in batch according to the merchant information, generates corresponding processing result information, and sends the processing result information to the third-party payment terminal in batch; the bank terminal stores the processing result information in the block chain; (8) and the third-party payment terminal receives the processing result information sent by the bank terminal in batch and provides corresponding digital currency service for the merchant according to the processing result information.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.
The embodiment of the invention also provides a public wallet opening device based on the block chain, and the public wallet opening device is described in the following embodiment. Because the principle of solving the problems of the device is similar to the block chain-based public wallet cubing method, the implementation of the device can be referred to the block chain-based public wallet cubing method, and repeated parts are not described again.
As shown in fig. 4, a schematic diagram of a device for opening a public wallet based on a blockchain according to an embodiment of the present invention is applied to a node of the blockchain, where the node is a bank terminal, and the device includes:
a first receiving module 401, configured to receive a request for opening a public wallet submitted by a third party payment terminal according to a digital currency usage request of a merchant;
an electronic protocol generating module 402, configured to generate an electronic protocol according to the request for opening a public wallet, and send the electronic protocol to a third-party payment terminal; the electronic protocol is used for prompting a merchant to open protocol information of a public wallet;
a second receiving module 403, configured to receive merchant information that is sent in batch by the third party payment terminal after the merchant signs the electronic agreement;
a first processing module 404, configured to establish corresponding public purses for corresponding merchants in batch according to the merchant information and generate corresponding processing result information; wherein the processing result information includes: merchant number, wallet identification, response code information and public wallet opening result;
and the second processing module 405 is configured to send the processing result information to the third party payment terminal in batch, and store the processing result information in the block chain.
In a possible implementation manner, the merchant information sent by the third party payment terminal in batch is encrypted merchant information; the first processing module is specifically configured to decrypt the received batch of merchant information, establish corresponding paired public purses for the corresponding merchants in batch according to the decrypted merchant information, and generate corresponding processing result information.
In a possible implementation manner, the second processing module is specifically configured to perform hash processing on the processing result information in batch, sign the hash-processed processing result information, and store the signed hash-processed processing result information into the block chain.
In one possible embodiment, the merchant information includes at least one of: merchant business license information, merchant category information, merchant registration address information, merchant corporate information.
In a possible implementation, the merchant information further includes: e-mail address information of the merchant; and the information sending module is used for sending the public wallet opening result to the corresponding commercial tenants in batches according to the mail address information.
As shown in fig. 5, a schematic diagram of another block chain-based public wallet opening apparatus according to an embodiment of the present invention is applied to a node of a block chain, where the node is a third party payment terminal, and the apparatus includes:
a sending module 501, configured to generate a request for public wallet issuance according to a digital currency usage request of a merchant, and send the request for public wallet issuance to a bank terminal; the digital currency use request carries merchant information;
a third processing module 502, configured to receive an electronic protocol sent by a bank terminal, and display the electronic protocol to a merchant;
the fourth processing module 503 is configured to, after the merchant signs the electronic agreement, audit the merchant information, and send the merchant information that passes the audit to the bank terminal in batch;
a fifth processing module 504, configured to receive processing result information sent by the bank terminal in batch, and provide a corresponding digital currency service for the merchant according to the processing result information; wherein the processing result information includes: merchant number, wallet identification, answer code information, and a result of the public wallet.
In a possible implementation manner, the fourth processing module is specifically configured to encrypt the merchant information that is approved, and send the encrypted merchant information to the bank terminal in batch.
The embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the block chain-based method for cubing a public wallet when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the block chain-based method for cubing a public wallet is implemented.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the block chain-based method for cubing a public wallet is implemented.
In the embodiment of the invention, a bank terminal is used as a node in a block chain, and the following method is executed: receiving a request for opening a public wallet submitted by a third party payment terminal according to a digital currency use request of a merchant; generating an electronic protocol according to the request for opening the public wallet and sending the electronic protocol to a third party payment terminal; the electronic protocol is used for prompting a merchant to open protocol information of a public wallet; receiving merchant information sent by a third party payment terminal in batch after a merchant signs an electronic protocol; establishing corresponding public wallets for corresponding merchants in batches according to the merchant information and generating corresponding processing result information; wherein the processing result information includes: merchant number, wallet mark, response code information and public wallet opening result; and sending the processing result information to the third party payment terminal in batch, and storing the processing result information in the block chain. Therefore, the bank terminal establishes the corresponding public wallet for the merchant, so that the third-party payment terminal can provide digital currency service for the merchant, the user experience is improved, the utilization rate of the digital currency is improved, the digital currency information processing efficiency is improved, and the use safety of the digital currency is improved through the block chain.
In addition, the third party payment terminal is used as a node in the block chain and executes the following method: generating a request for opening a public wallet according to a digital currency use request of a merchant, and sending the request for opening the public wallet to a bank terminal; the digital currency use request carries merchant information; receiving an electronic protocol sent by a bank terminal, and displaying the electronic protocol to a merchant; after the merchant signs the electronic agreement, the merchant information is checked, and the merchant information passing the checking is sent to the bank terminal in batch; receiving processing result information sent by the bank terminal in batch, and providing corresponding digital currency service for the merchant according to the processing result information; wherein the processing result information includes: merchant number, wallet identification, answer code information, and a result of the public wallet. Therefore, the third-party payment terminal can provide digital currency service for the merchant, so that the user experience is improved, and the processing efficiency of digital currency information is improved.
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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 (15)

1. A public money packet cubing method based on a block chain is characterized in that the method is applied to a node of the block chain, the node is a bank terminal, and the method comprises the following steps:
receiving a request for opening a public wallet submitted by a third party payment terminal according to a digital currency use request of a merchant;
generating an electronic protocol according to the request for opening the public wallet and sending the electronic protocol to a third party payment terminal; the electronic protocol is used for prompting a merchant to open protocol information of a public wallet;
receiving merchant information sent by a third party payment terminal in batch after a merchant signs an electronic protocol;
establishing corresponding public wallets for corresponding merchants in batches according to the merchant information and generating corresponding processing result information; wherein the processing result information includes: merchant number, wallet identification, response code information and public wallet opening result;
and sending the processing result information to the third-party payment terminal in batches, and storing the processing result information in the block chain.
2. The block chain-based public wallet cubing method of claim 1, wherein the merchant information sent by the third party payment terminal in batch is encrypted merchant information;
establishing corresponding public wallets for corresponding merchants in batch according to the merchant information and generating corresponding processing result information, wherein the method comprises the following steps:
and decrypting the received batch of merchant information, establishing corresponding paired public purses for the corresponding merchants in batch according to the decrypted merchant information, and generating corresponding processing result information.
3. The blockchain-based unbundling method of claim 1, wherein storing processing result information in a blockchain comprises:
and carrying out Hash processing on the processing result information in batch, and storing the processing result information after Hash processing into a block chain after signing.
4. The block-chain based cubing of public money bags of claim 1, wherein the merchant information comprises at least one of: the information of the business license of the merchant, the information of the category of the merchant, the information of the registered address of the merchant and the information of the legal person of the merchant.
5. The block chain based public money bag cubing method according to claim 1, wherein the merchant information further includes: e-mail address information of the merchant;
after the information of the processing result is sent to the third party payment terminal in batch, the method further comprises the following steps:
and sending a public wallet opening result to the corresponding commercial tenants in batch according to the mail address information.
6. A public money packet cubing method based on a block chain is characterized in that the public money packet cubing method is applied to a node of the block chain, the node is a third party payment terminal, and the public money packet cubing method comprises the following steps:
generating a request for opening a public wallet according to a digital currency use request of a merchant, and sending the request for opening the public wallet to a bank terminal; the digital currency use request carries merchant information;
receiving an electronic protocol sent by a bank terminal, and displaying the electronic protocol to a merchant;
after the merchant signs the electronic agreement, the merchant information is audited, and the merchant information passing the audit is sent to the bank terminal in batch;
receiving processing result information sent by the bank terminal in batch, and providing corresponding digital currency service for the merchant according to the processing result information; wherein the processing result information includes: merchant number, wallet identification, answer code information, and a result of the public wallet.
7. The block chain based public money packet cubing method according to claim 6, wherein the batch sending of the approved merchant information to the bank terminal comprises:
and encrypting the approved merchant information, and sending the encrypted merchant information to the bank terminal in batch.
8. A device for opening a public wallet based on a blockchain is characterized in that the device is applied to a node of the blockchain, the node is a bank terminal and comprises:
the first receiving module is used for receiving a request for opening a public wallet submitted by a third-party payment terminal according to a digital currency use request of a merchant;
the electronic protocol generating module is used for generating an electronic protocol according to the request for opening the public wallet and sending the electronic protocol to the third party payment terminal; the electronic protocol is used for prompting a merchant to open protocol information of a public wallet;
the second receiving module is used for receiving merchant information which is sent by the third-party payment terminal in batches after the merchant signs the electronic protocol;
the first processing module is used for establishing corresponding public purses for the corresponding merchants in batches according to the merchant information and generating corresponding processing result information; wherein the processing result information includes: merchant number, wallet identification, response code information and public wallet opening result;
and the second processing module is used for sending the processing result information to the third-party payment terminal in batches and storing the processing result information in the block chain.
9. The block chain-based public wallet opening apparatus of claim 8, wherein the merchant information bulk-transmitted by the third party payment terminal is encrypted merchant information;
the first processing module is specifically configured to decrypt the received batch of merchant information, establish corresponding paired public purses for the corresponding merchants in batch according to the decrypted merchant information, and generate corresponding processing result information.
10. The device for opening a public wallet based on a blockchain according to claim 8, wherein the second processing module is specifically configured to hash the processing result information in batch, sign the hashed processing result information, and store the signed processing result information in the blockchain.
11. A device for opening a public wallet based on a blockchain is characterized in that the device is applied to a node of the blockchain, the node is a third-party payment terminal and comprises:
the sending module is used for generating a request for opening a public wallet according to the digital currency use request of the merchant and sending the request for opening the public wallet to the bank terminal; the digital currency use request carries merchant information;
the third processing module is used for receiving the electronic protocol sent by the bank terminal and displaying the electronic protocol to the merchant;
the fourth processing module is used for auditing the merchant information after the merchant signs the electronic protocol, and sending the merchant information which passes the auditing to the bank terminal in batch;
the fifth processing module is used for receiving the processing result information sent by the bank terminal in batch and providing corresponding digital currency service for the merchant according to the processing result information; wherein the processing result information includes: merchant number, wallet identification, answer code information, and a result of the public wallet.
12. The block chain-based public wallet opening apparatus as claimed in claim 11, wherein the fourth processing module is specifically configured to encrypt the approved merchant information, and send the encrypted merchant information to the bank terminal in batch.
13. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 7 when executing the computer program.
14. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any one of claims 1 to 7.
15. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 7.
CN202210293959.3A 2022-03-24 2022-03-24 Block chain-based public purse cubing method and device Pending CN114677128A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116703395A (en) * 2023-08-08 2023-09-05 好活(苏州)数字科技有限公司 Digital RMB payment method, device, equipment, system and medium

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116703395A (en) * 2023-08-08 2023-09-05 好活(苏州)数字科技有限公司 Digital RMB payment method, device, equipment, system and medium
CN116703395B (en) * 2023-08-08 2023-10-27 好活(苏州)数字科技有限公司 Digital RMB payment method, device, equipment, system and medium

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