CN114693290A - Prepaid card fund supervision method and system based on block chain - Google Patents
Prepaid card fund supervision method and system based on block chain Download PDFInfo
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- CN114693290A CN114693290A CN202210385547.2A CN202210385547A CN114693290A CN 114693290 A CN114693290 A CN 114693290A CN 202210385547 A CN202210385547 A CN 202210385547A CN 114693290 A CN114693290 A CN 114693290A
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- 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
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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- G—PHYSICS
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- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
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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
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/20—Education
- G06Q50/205—Education administration or guidance
Abstract
The invention discloses a prepaid card fund supervision method and system based on a block chain, wherein the method comprises the following steps: building a block chain supervision platform and deploying nodes; building a capital supervision tertiary account system; collecting capital data of operators and consumers; a capital data asset uplink; checking accounts and transferring fund information; and implementing fund supervision schemes of different scenes. The invention provides a fund supervision scheme, which is characterized in that an operator, a fund supervision mechanism and a bank sign a fund collection protocol and then build a three-level account system to complete fund data acquisition and collection and account checking and payment of fund information. Based on a fund supervision scheme, the invention creates a fund data sharing center based on a chain, and realizes the management of the whole process of the fund of the prepaid card in advance, in the process and after the event.
Description
Technical Field
The invention belongs to the technical field of computer software, relates to a block chain technology, and particularly relates to a prepaid card fund supervision method and system based on a block chain.
Background
The prepaid card refers to a prepaid certificate which is issued by an issuing organization for profit through a specific carrier and a specific form and can be used for purchasing goods or services at a specific organization, and the prepaid certificate is embodied as a consumption card or a shopping coupon and embodies the credence which a card holder (coupon) as a consumer shares with the issuing organization.
The prepaid card is widely applied to economic society life, and plays a positive role in reducing cash use, facilitating the public and stimulating consumption. But there are some outstanding problems, such as lack of effective supervision and management for card issuing organizations, lack of guarantee for prepaid fund management and lack of tracking and understanding for business development situation, which may cause potential financial risk problems, for example, the lack of fund supervision ability for fund deposit banks, and difficulty in finding potential risk hidden trouble. The consumer's prepaid funds are difficult to settle and return once the operator runs. How to reasonably and effectively carry out fund supervision on the prepaid card becomes the first problem to be urgently solved. However, only the total amount of funds is concerned in the current prepaid card fund supervision, and the supervision department can only conduct active or event-driven fund supervision analysis on the prepaid card issuing operator, so that the requirement of 'supervision full coverage' cannot be met.
Disclosure of Invention
In order to solve the problems, the invention provides a prepaid card fund supervision method and system based on a block chain.
In order to achieve the purpose, the technical scheme of the invention is as follows:
a prepaid card fund supervision method based on a block chain comprises the following steps:
step 1, building a block chain supervision platform and deploying nodes
The step of building a block chain supervision platform comprises a project configuration step and a channel configuration step; the item configuration step includes: defining a service address, selecting a network type and setting alliance chain parameters; the channel configuration step comprises confirming a channel name and adding contract content, wherein the contract content comprises a contract version and contract parameters;
the uplink participating node comprises a prepaid card operator and each industry supervision unit, wherein in the deployed uplink node information, the uplink mechanism is represented by B, the non-uplink mechanism is not labeled B, and the connecting line is a common connecting line;
step 2, establishing a capital supervision three-level account system
Building a three-level account system, wherein the first level is a capital storage and management main account, the second level is an operator account, and the third level is a consumer account; the subsequent customer recharge funds are automatically collected to the fund deposit and management main account, and records are made in the operator account and the customer account at the same time; for purchasing a non-name prepaid card, a third-level consumer account does not exist, and the card is directly mounted on a second-level operator account;
step 3, collecting the fund data of the operator and the consumer
All the order receiving channels of the operator are butted, daily fund flow of the operator is captured from the order receiving channels and is checked with the recharging consumption information, and the transaction information submitted by the operator and the fund flow reconciliation work are completed;
step 4, uplink of capital data assets
Linking the fund data according to the timestamp, and synchronizing and storing the multi-node of the prepaid card information and the transaction information; after the consumer applies for the right, the prepaid card of the consumer is transferred and deducted by a contract; the consumer account and the operator account carry out uplink through irreversible encryption, and a user can inquire all uplink information of the fund service based on a block chain browser;
step 5, checking account and transferring fund information
The operator reports the recharging and consumption transaction information of the consumer and reports the prepaid fund balance of the operator where the consumer is; calculating the balance of the prepaid card according to the balance of the operator in the previous day, the recharging information of the current day and the consumption transaction information, and checking the balance of the prepaid card reported by the operator; inquiring the balance of the deposit and management fund of each operator by being in butt joint with a fund deposit and management system, and freezing, unfreezing and paying the fund according to the supervision requirement, the agreed proportion and the agreed path; the fund exceeding the part to be stored in the balance of the operator deposit and management account can be transferred to the bank account appointed by the operator;
and 6, implementing fund supervision schemes of different scenes.
Further, the federation chain parameters in step 1 include: zookeeper number, Kafka number, Order organization node number, Peer organization node number.
Further, the contract in the step 1 adopts an information evidence-saving contract to save and fix the fund supervision related data of the prepaid card.
Further, the third-level account system building step in the step 2 is as follows:
step 2-1, the fund deposit total accounts of respective supervision fields are established according to different functions of the prepaid card supervision units, or first-level fund deposit total accounts Acct are independently established according to different supervision territoriesuAcct, capital inventory general accountuThe routing module is used as an entity node account and is connected with various bank entity accounts in a butt joint mode, and the fund distribution work of unified routing is realized;
step 2-2, the main account Acct is managed in the fund deposituAdding a second-level operator account Acct below the root nodemA leaf node; the fund deposit and management general account administrator can inquire the Acct of each operator accountmiFund flow information, Acct of each operator accountmiCannot query each other under the condition of unauthorized permission;
step 2-3, Acct account of operatormCreating or binding a level three consumer account Acct under a nodec(ii) a The fund deposit and management general account administrator can inquire the fund information of each consumer account and each operator account AcctmThe customer account Acct under the node can be inquiredcFund information, individual customer account AcctcCannot inquire each other under the condition of unauthorized permission;
step 2-4, according to the actual prepaid card service requirement, each consumer settlement account is respectively hung with a fund balance type A account and a rights and interests balance type B account, and the type A account and the type B account are independently settled; the type A account is used for clearing and paying the charging amount of the cardholder, and the type B account is only used for the credit and debit backup of the credit or the gift amount of the cardholder.
Further, the process of capturing daily fund flow of the operator from the order receiving channel in the step 3 specifically comprises: acquiring prepaid card recharging and consumption data from a prepaid card service processing system; acquiring data of the fund access and the fund balance of an operator bank account from a bank; and obtaining a payment detail record of the card purchase of the consumer from a payment channel.
Further, in step 4, the fund data includes data of each scene, and the scene includes: the method comprises the steps of purchasing a card by a consumer, consuming a prepaid card, carrying out cash by an operator and returning the card by the consumer.
Further, in step 4, the information field data of the uplink data of the card purchase data of the customeriThe method comprises the following steps: consumer account number, time of purchase, prepaid card account number, prepaid card amount, operator account number; information field data for uplink of prepaid consumer cardsiThe method comprises the following steps: consumer account number, consumption time, prepaid card account number, prepaid card amount, operator account number; information field data for operator cash-out uplinkiThe method comprises the following steps: the account number of the operator, the cash withdrawal amount, the cash withdrawal time and the success or failure mark; information field data of consumer card-returning data uplinkiThe method comprises the following steps: consumer account number, card refund time, prepaid card account number, prepaid card amount, card refund amount.
Further, the scene in step 6 at least includes any one of the following:
step 6-1, a scene I is that a consumer purchases a card
The method comprises the steps that a consumer purchases a prepaid card with the amount of M, a payment mechanism records payment flow and sends a notice, and meanwhile, a prepaid card business processing system increases the balance Pca of the prepaid card of the consumer by M;
when the capital supervision system checks the data during the settlement, the amount Da should be stored and managed(i)＝Pca(i)Dp, wherein Dp is the storage tube proportion, and the value range of Dp is (0, 1)]；
Meanwhile, the payment mechanism transfers the amount M to the account of the operator, and all the amount M is automatically collected to the account of the fund supervision mechanism;
the balance Fda + M of the fund deposit management account and the balance Pca of the consumer prepaid card are calculated by unified transfer at the next natural day(i)The operator can withdraw an amount Wa as M(i)＝Fda(i)-Da(i)Wherein i is the ith prepaid card activity;
step 6-2, scene two is consumption prepayment card
If the consumer consumes S element, the operator prepayment card business processing system balances Pca for the consumer prepayment card(j)＝ Pca(j-1)-S；
When the settlement is carried out on the same day, the fund supervision system checks the data, and the amount Da which should be stored and managed is checked(j)＝Pca(j)*Dp；
After the settlement on the day, the balance Fda of the fund deposit account(j)＝Fda(j-1)Consumer prepaid card balance Pca(j)＝Pca(j-1)S, the operator withdrawable amount Wa(j)＝Fda(j)-Pca(j)Dp, where j is the jth prepaid card activity;
step 6-3, the third scene is the withdrawal of the operator
When the operator applies for withdrawal through the management service platform, the fund supervision module checks the fund consumption scale, and the operator is informed of reapplication if the check fails; after the audit is passed, the supervising system sends a transfer instruction to the bank, and the corresponding money is drawn into a bank account appointed by the special account of the operator;
step 6-4, the scene four is that the consumer withdraws the card
The scene comprises two seed scenes, which are specifically as follows:
if the prepaid card service processing system agrees to refund the full amount according to the prepaid card agreement between the operator and the consumer, namely the refund proportion RP is 100%, the refund is deducted from the balance of the fund deposit and management account, if the balance is insufficient, the operator pays the additional fee, and the balance of the prepaid card of the consumer is 0;
if the prepaid card service processing system agrees with the refund proportion according to the agreement of the prepaid card between the operator and the consumer, the fund supervision mechanism checks the data, the balance of the fund deposit and management account is deducted from the amount of the prepaid card and is multiplied by the refund proportion, the balance of the consumer prepaid card is 0, and the operator can withdraw the amount of money and deduct the refund amount.
Further, the step 6-3 specifically includes the following steps:
the operator applies for a cash-out Awa(k)；
When Awa(k)≤Wa(k-1)At this point, the funds supervisor system reviews the pass and transfers Awa to the bank account designated by the operator(k)After the system is approved, the balance of the fund storage and management account corresponding to the operator is Fda(k)＝Fda(k-1)-Awa(k)Consumer prepaid card balance Pca(k)＝Pca(k-1)The operator can withdraw the sum Wa(k)＝Fda(k)-Pca(k)Dp, where k is the kth prepaid card activity;
and when the withdrawal amount initiated by the operator is larger than the withdrawable amount, the fund supervision mechanism system does not check and pass, and refuses the operator to withdraw the withdrawal.
The invention also provides a block chain prepaid card management system based on fund supervision, which comprises a platform building and deploying module, a tertiary account building module, a fund data acquisition module, a fund asset uplink module, a fund reconciliation and transfer module and a fund supervision module; the platform building and deploying module is used for building a block chain supervision platform and deploying nodes, and the function of the step 1 is specifically realized; the tertiary account building module is used for building a fund supervision tertiary account system and specifically realizing the function of the step 2; the fund data acquisition module is used for acquiring fund data of operators and consumers and particularly realizing the function of the step 3; the capital asset uplink module is used for uplink transmitting the capital data according to the time stamp, and the function of the step 4 is concretely realized; the fund reconciliation and transfer module is used for reconciliation and transfer of fund information and specifically realizes the function of the step 5; and the fund supervision module is used for implementing fund supervision schemes of different scenes and specifically realizes the function of the step 6.
The invention has the beneficial effects that:
1. the invention provides a fund supervision scheme, which is characterized in that an operator, a fund supervision mechanism and a bank sign a fund collection protocol and then build a three-level account system to complete fund data acquisition and collection and account checking and payment of fund information. Based on a fund supervision scheme, the invention builds a set of prepaid card fund supervision method and device based on block chains, builds a fund data sharing center based on the chains, and realizes the management of the prepaid card fund in advance, in the middle of the day and after the day. The invention manages and controls the fund flow generated by the prepaid card in the whole life cycle of issuing, putting on shelf, consuming, giving, verifying and closing and the like, the transferred fund data is linked in real time and can be traced, the falsification is ensured, the problem of prepaid card fund supervision is solved by a supervision department from the whole process before, in the middle of the affairs and after the affairs, and the rights and interests of consumers are protected.
2. The method links the fund data of the prepaid card of the operator, reduces the information transmission time and labor cost, and is beneficial to improving the cooperative efficiency of the prepaid card; the consumer individuates the consumption data cochain of the prepaid card, realizes the accurate butt joint of the later prepaid card service marketing terminal, and can also inquire the fund information of the consumer through the information disclosure module; government and other industries are added as super nodes, and the data of the supervised home prepaid card issuing operator can be accessed and checked according to the authority setting, and meanwhile, signature and record authentication are carried out, so that real-time supervision is realized, and the supervision efficiency and the supervision effect are improved.
Drawings
Fig. 1 is a schematic diagram of the overall service architecture of the present invention.
Fig. 2 is a flow chart of a block chain-based prepaid card fund supervision method provided by the invention.
FIG. 3 is the information of nodes on a chain deployed by the present invention.
FIG. 4 is a schematic diagram of accounts at different levels of a fund depository three-level account system.
Detailed Description
The technical solutions provided by the present invention will be described in detail below with reference to specific examples, and it should be understood that the following specific embodiments are only illustrative of the present invention and are not intended to limit the scope of the present invention. Additionally, the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer-executable instructions, and while a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than here.
The capital supervision business architecture for implementing the invention comprises four layers, as shown in fig. 1, from bottom to top, a block chain layer, a data layer, a service layer and a user layer. The block chain layer comprises building a block chain and chaining capital data assets; the data layer includes but is not limited to recharging, consuming, fund and other data from consumers and operators; the service layer refers to service contents facing to consumers, operators and supervisors, including but not limited to fund supervision, information disclosure, anomaly monitoring and the like; the users of the present invention include businesses that issue prepaid cards, operators who are the subject of individual business entities, consumers who purchase prepaid cards, and regulators of various prepaid card industries such as beauty salons, education, sports, and the like. Based on the above framework, the prepaid card fund supervision method based on the block chain provided by the invention, as shown in fig. 2, comprises the following steps:
step 1, building a block chain supervision platform and deploying nodes. Building a block chain supervision platform refers to building a alliance chain, and comprises two steps of project configuration and channel configuration. The project configuration step comprises: defining service addresses, selecting network types, and setting alliance chain parameters (Zookeeper quantity/Kafka quantity/Order organization node quantity/Peer organization node quantity). When the implementation case of the invention is initialized, Fabrico 1.4 is selected, the consensus mechanism is Kafka, and the corresponding alliance chain parameters are as follows: number of Zookeeper (default 3), number of Kafka (default 3), number of Orderer organizations (default 1), number of nodes per Orderer organization (default 1), number of Peer organizations (default 1), number of nodes per Peer organization (default 1). The channel configuration includes identifying a channel name and adding contract content that includes a contract version and contract parameters. In the embodiment, different information deposit and verification contracts can be selected and called according to different prepaid card scenes and supervision dimension requirements. The information evidence storing contract refers to the data evidence storing and fixing, stores information such as but not limited to insurance policy, contract and logistics and is suitable for the fields of judicial, finance, logistics and the like. The invention carries out the verification based on the uplink information corresponding to the information verification contract, including but not limited to the fund data of the prepaid card operator. The uplink participating nodes include but are not limited to prepaid card operators and various industry supervision units, and the consumers, the prepaid card operators and the various industry supervision units can see information such as transactions, addresses, blocks and the like through the blockchain browser. And the block chain supervision platform is deployed with the information of the nodes on the chain, wherein the mechanism for chain winding is represented by B, the mechanism for chain winding is not labeled B, and the connecting line is a common connecting line. The chain node information connecting line of the block chain prepaid card platform deployment based on fund supervision is shown in figure 3.
And 2, building a capital supervision tertiary account system. Compared with the scheme that an operator directly sets up a fund deposit and management account, the method and the system have the advantages that fund supervision requirements can be better met, the operator deposit and management fund account can be supervised uniformly, and multiple banks can be supported to give consideration to the practical management and control risk of fund data and service data. The method requires a capital supervision organization to set up a uniform capital deposit management main account in an account management and capital settlement organization with qualification, on the basis, an operator needs to sign an agreement with the capital supervision organization and a bank to complete the binding of capital accounts, and subsequent consumers charge funds and automatically collect the funds into the capital deposit management main account and simultaneously make records in the operator account and the consumer account. For the purchase of non-branded prepaid cards, there is no third level consumer account and the mount is made directly to the second level operator account. The three-level account system is established by the following steps:
step 2-1, the first level is a capital deposit and management general account AcctuThe fund deposit management main account of each supervision field can be established according to different functions of the supervision units of the prepaid cards, and can also be independently established according to different jurisdictions of supervision areas. When creating the fund deposit total account AcctuIn the process of (1)The parameters required by the corresponding system include, but are not limited to, fields of a supervision unit, a supervision unit unified social credit code, an address, a mailbox, a contact phone, electronic material information and the like. Acct for total account of fund deposit and managementuThe routing module can be used as an entity node account to be connected with various bank entity accounts, and the fund distribution work of unified routing is realized.
Step 2-2, the second level is operator account Acctm. Acct of total account for deposit and management of capitaluAdding an operator account Acct below the root nodemA leaf node. Creating an operator account AcctmParameters required by the corresponding system in the process of the leaf node include, but are not limited to, the following dimensions, operator information (operator name, operator unified social credit code, card issuing enterprise type, affiliated industry, industrial and commercial registered address, registered capital), legal representative information (legal representative name, contact phone, certificate type, certificate number), prepaid card information (card selling address, operating address, card selling type), and responsible person information (responsible person name, responsible person phone number, responsible person mailbox), and the like. The fund deposit and management general account administrator can inquire the Acct of each operator accountmiFund flow information, Acct of each operator accountmiCannot query each other in case of unauthorized permission.
Step 2-3, the third level is the Acct of the customer accountc. Acct at the operator accountmiUnder the node, a customer account Acct can be created (bound)cjI denotes different operator account bodies and j denotes different customer account bodies. Creating (binding) a customer account leaf node AcctcjThe parameters required by the corresponding system in the process of (1) include but are not limited to the following dimensions, customer contact information, customer name, other information which can be provided by the customer autonomously, and the like. The fund deposit total account administrator can inquire the Acct of each consumer accountcjCapital information, individual operator accounts AcctmiThe customer account Acct under the node can be inquiredcjFund information, individual customer account AcctcjCannot query each other in case of unauthorized permission.
Step 2-4, according toActual prepaid card service requirement, account Acct is settled for each consumercjAnd (4) hanging a fund balance A type account and a equity balance B type account respectively, and independently settling the A type account and the B type account. The type A account is used for clearing and paying the charging amount of the cardholder, and the type B account is only used for the credit and debit backup of the credit or the gift amount of the cardholder. A schematic diagram of each level of the fund deposit and management three-level account system is shown in FIG. 4.
And 3, collecting capital data of the operator and the consumer. The fund supervision system interfaces all the order receiving channels of the operator, including but not limited to WeChat, Payment treasured, Unionpay, commercial bank and other order receiving channels. And capturing daily fund flow of the operator from the order receiving channel, and checking the daily fund flow with the recharging consumption information to complete the reconciliation work of the transaction information and the fund flow submitted by the operator so as to facilitate subsequent monitoring and early warning. The method specifically comprises the steps of acquiring prepaid card recharging and consumption data from a prepaid card service processing system; acquiring data of the fund inlet and outlet and the fund balance of an operator bank account from a bank; and obtaining payment detail records of the card purchase of the consumer from various payment channels such as a payment treasure, WeChat, Unionpay and the like.
And 4, linking the capital data assets. The invention links up the fund data according to the time stamp, and the scene data comprises but not limited to the scene data of purchasing a card by a consumer, consuming a prepaid card, carrying out cash withdrawal by an operator, withdrawing the card by the consumer and the like, thereby ensuring that the scene data of the fund service can be traced back and cannot be tampered, and the multi-node synchronization and the evidence storage of the information of the prepaid card and the transaction information. The invention simultaneously transfers and deducts the prepaid card of the consumer through the contract after the consumer is applied for the right, thereby avoiding the illegal operation of the operator and protecting the rights and interests of the consumer. The capital service data uplink service refers to the capital service information dataiUpLink, Return information voucher txHashiI can be represented by a timestamp, i.e. converting yearly Y, M, D, H, M, S into a Unix timestamp, and the information voucher is block height information of the uplink. The capital service data request service refers to txHash according to the information certificateiReturning the stored information dataiI can be represented by a timestamp, i.e., converting yearly Y month M day D hour H minute M second S into a Unix timestamp. In this embodiment, the number of cards purchased by the consumerInformation field data of uplinkiIncluding but not limited to consumer account number, time of purchase, prepaid card account number, prepaid card amount, operator account number; information field data for uplink of prepaid consumer cardsiIncluding but not limited to consumer account number, time of consumption, prepaid card account number, prepaid card amount, operator account number; information field data for operator cash-out uplinkiIncluding but not limited to operator account number, cash withdrawal amount, cash withdrawal time, success or failure flag; information field data of consumer card-returning data uplinkiIncluding but not limited to, a consumer account number, a card refund time, a prepaid card account number, a prepaid card amount, a card refund amount. The consumer account and the operator account are linked through irreversible encryption such as Hash256, and users such as consumers, operators and industry supervisors can inquire all uplink information of fund services through the method based on the blockchain browser.
And 5, checking accounts and transferring fund information. The operator reports the recharging and consumption transaction information of the consumer and reports the prepaid fund balance of the operator where the consumer is; the fund supervision mechanism calculates the balance of the prepaid card according to the balance of the operator in the previous day, the recharging information and the consumption transaction information in the current day, and checks the balance of the prepaid card reported by the operator; the fund supervision system is in butt joint with the fund storage and management system, inquires the balance of the fund stored and managed by each operator, and performs fund freezing, unfreezing and paying operations according to the supervision requirement, the agreed proportion and the agreed path. The operator can transfer the fund exceeding the part of the account to be stored in the balance of the account to the specified bank account of the operator for daily operation.
And 6, implementing fund supervision schemes of different scenes. The system fund supervision specific implementation scenario comprises actions such as but not limited to purchase of a prepaid card by a consumer, consumption of the prepaid card, passing of a withdrawal of an operator, failing of the withdrawal of the operator, application of a full refund by the consumer, and application of a partial refund by the consumer.
The parameters of the present embodiment for the case of the fund administration scheme are defined as follows, defining the balance of the consumer prepaid card as Pca(i)Default value is 0, i represents the ith predictionA card-payment behavior, wherein i ═ 1, 2 … n; sum of money to be deposited Da(i)Default value is 0, i represents the ith prepaid card activity, wherein i is 1, 2 … n; fund deposit management account balance Fda(i)Default value is 0, i represents the ith prepaid card activity, where i is 1, 2 … n; application withdrawal amount Awa(i)Default value is 0, i represents the ith prepaid card activity, where i is 1, 2 … n; sum Wa capable of drawing money(i)Default value is 0, i represents the ith prepaid card activity, where i is 1, 2 … n; apply for refund amount Ara(i)Default value is 0, i represents the ith prepaid card activity, where i is 1, 2 … n; refund amount Ra(i)Default value is 0, i represents the ith prepaid card activity, where i is 1, 2 … n; the storage and management proportion is Dp, the default value is 80%, Dp can be dynamically adjusted according to actual service occurrence, and the value range is (0, 1)](ii) a The refund proportion is Rp, the default value is 50%, Dp can be dynamically adjusted according to the actual business occurrence, and the value range is [0, 1 ]]. The specific schemes and calculation formulas of different scenes are as follows:
and 6-1, purchasing the card by the consumer in a scene one. The scenario refers to a consumer transacting a prepaid card of a certain amount at an operator card selling site. For example, a consumer purchases a 1000 dollar prepaid card, the payment authority records the payment envelope and sends a notification, and the prepaid card transaction system increments the consumer prepaid card balance Pca + 1000. When the capital supervision institution checks the data during the settlement, the amount Da should be stored and managed(1)＝Pca(1)And Dp is 1000, 80 percent and 800, namely the deposit and management amount is 800 yuan. Meanwhile, the payment mechanism transfers 1000 yuan to the account of the operator, and all the money is automatically collected to the account of the fund supervision mechanism. The second natural day later, through the unified transfer calculation, the fund deposits and manages the account balance Fda(1)1000, the consumer prepaid card balance Pca(1)1000, the operator can withdraw the amount Wa(1)＝Fda(1)-Da(1)The operator can withdraw 200 yuan for 200 yuan.
And 6-2, a scene two is a consumption prepaid card. The scenario refers to a consumer consuming a prepaid card at an operator's address. For example, if the consumer consumed 400 dollars on a scene one basis,namely the business processing system of the operator prepaid card balances Pca for the consumer prepaid card(2)＝Pca(1)-400-600. When settling accounts, the fund supervision institution checks the data and checks that the amount of money to be stored is Da(2)＝Pca(2)Dp 600 80%, 480. After the settlement on the day, the balance Fda of the fund deposit and management account(2)1000, the consumer prepays a card balance Pca(2)600, the operator can withdraw the amount Wa(2)＝Fda(2)-Pca(2)*Dp＝ 1000-600*80％＝520。
And 6-3, bringing up the cash of the operator in a scene three. The scene refers to that an operator applies for withdrawal through a management service platform, a fund supervision module checks the fund consumption scale, and the operator is informed of reapplication when the check fails; and the verified transfer instruction is sent to the bank by the supervisory system, and the corresponding money is drawn into a bank account designated by the special account of the operator. For example, on the basis of scenario two, after the system settles on the same day, the operator applies for a withdrawal Awa(1)500. Because of Awa(1)≤Wa(2)The fund authority system checks for passage and transfers 500 dollars to the bank account designated by the operator. After the system is approved, the balance of the fund deposit and management account corresponding to the operator is Fda(3)＝Fda(2)-Awa(1)500, the consumer prepays a card balance Pca(3)＝ Pca(2)600, the operator can withdraw the amount Wa(3)＝Fda(3)-Pca(3)Dp 500-. If the operator initiates the cash-out amount Awa again(2)100, cause Awa(2)＞Wa(3)The fund supervision agency system fails to check and refuse the operator to cash up.
And 6-4, a scene four is the card withdrawal of the consumer. The scenario refers to the situation that a consumer can transact a prepaid card refund business operation with an operator according to a prepaid card agreement. For example, based on scenario three, the customer applies 600 for the prepaid card amount Ara to be refunded. The scene comprises two sub scenes according to different protocols, specifically, if the prepaid card service processing system agrees to refund the prepaid card according to the protocol of the prepaid card between an operator and a consumer, that is, the RP is 100%. Capital supervision agencyChecking the data to calculate the refund deposit amount Ra(1)600. Fund deposit management account balance Fda(4)＝Fda(3)-Ra(1)-100, consumer prepaid card balance Pca(4)When equal to 0, the operator can withdraw the amount Wa(4)And (5) 100, namely the operator needs to make up the amount of 100 Yuan. If the prepaid card service processing system signs the agreement of prepaid card between the operator and the consumer, the RP is 50%, the fund supervision institution checks the data, and the refund deposit and management amount is Ra(2)＝Pca(3)RP 600, 50%, 300. Fund deposit management account balance Fda(5)＝ Fda(3)-Ra(2)500-300-200, the consumer prepays the card balance Pca(5)When the sum is 0 yuan, the operator can withdraw the amount Wa(5)＝Fda(5)-Pca(5)*Dp＝200。
In the supervision process, the invention can also carry out early warning prompt on abnormal monitoring in fund supervision, and the early warning prompt can set certain threshold parameters according to the requirements of supervision users to prompt abnormal early warning information. The early warning frequency is pushed according to the data updating frequency, including but not limited to real-time T +0, T +1, T + N and other frequencies, and N may be 1, 2, 3 … N according to the actual data updating frequency.
The invention provides a block chain prepaid card management system based on fund supervision, which is used for realizing the block chain prepaid card management method based on the fund supervision. The platform building and deploying module is used for building a block chain supervision platform and deploying nodes, and the function of the step 1 is specifically realized; the tertiary account building module is used for building a fund supervision tertiary account system and specifically realizing the function of the step 2; the fund data acquisition module is used for acquiring fund data of operators and consumers and particularly realizing the function of the step 3; the capital asset uplink module is used for uplink of capital data according to the time stamp, and the function of the step 4 is concretely realized; the fund reconciliation and transfer module is used for reconciliation and transfer of fund information and specifically realizes the function of the step 5; and the fund supervision module is used for implementing fund supervision schemes in different scenes, specifically realizing the function of the step 6 and carrying out early warning prompt on abnormal monitoring in fund supervision.
It should be noted that the above-mentioned contents only illustrate the technical idea of the present invention, and the protection scope of the present invention is not limited thereby, and it is obvious to those skilled in the art that several modifications and decorations can be made without departing from the principle of the present invention, and these modifications and decorations fall within the protection scope of the claims of the present invention.
Claims (10)
1. A prepaid card fund supervision method based on a block chain is characterized by comprising the following steps:
step 1, building a block chain supervision platform and deploying nodes
The step of building a block chain supervision platform comprises a project configuration step and a channel configuration step; the item configuration step comprises: defining a service address, selecting a network type and setting alliance chain parameters; the channel configuration step comprises confirming a channel name and adding contract content, wherein the contract content comprises a contract version and contract parameters;
the uplink participating node comprises a prepaid card operator and each industry supervision unit, wherein in the deployed uplink node information, the uplink mechanism is represented by B, the non-uplink mechanism is not labeled B, and the connecting line is a common connecting line;
step 2, establishing a capital supervision tertiary account system
Building a three-level account system, wherein the first level is a capital storage and management main account, the second level is an operator account, and the third level is a consumer account; the subsequent recharging funds of the consumer are automatically collected to the total fund deposit and management account, and simultaneously, records are made in the operator account and the consumer account; if the non-name prepaid card is purchased, the third-level consumer account does not exist, and the card is directly mounted on the second-level operator account;
step 3, collecting the fund data of the operator and the consumer
All the order receiving channels of the operator are butted, daily fund flow of the operator is captured from the order receiving channels and is checked with the recharging consumption information, and the transaction information submitted by the operator and the fund flow reconciliation work are completed;
step 4, uplink of capital data assets
Linking the fund data according to the timestamp, and synchronizing and storing the multi-node of the prepaid card information and the transaction information; after the consumer applies for the right, the prepaid card of the consumer is transferred and deducted by a contract; the consumer account and the operator account carry out uplink through irreversible encryption, and a user can inquire all uplink information of the fund service based on a block chain browser;
step 5, checking account and transferring fund information
The operator reports the recharging and consumption transaction information of the consumer and reports the prepaid fund balance of the operator where the consumer is; calculating the balance of the prepaid card according to the balance of the operator in the previous day, the recharging information of the current day and the consumption transaction information, and checking the balance of the prepaid card reported by the operator; inquiring the balance of the deposit and management fund of each operator by docking with a fund deposit and management system, and performing fund freezing, unfreezing and paying operations according to the supervision requirement, the agreed proportion and the agreed path; the fund exceeding the part to be stored in the balance of the operator deposit and management account can be transferred to the bank account appointed by the operator;
and 6, implementing fund supervision schemes of different scenes.
2. The method for block chain based prepaid card funds supervision according to claim 1, characterized in that the step 1 alliance chain parameters comprise: zookeeper number, Kafka number, Order organization node number, Peer organization node number.
3. The block chain-based prepaid card fund supervision method according to claim 1, wherein the step 1 contract adopts an information evidence contract to perform evidence-based consolidation on prepaid card fund supervision related data.
4. The method for supervising prepaid card funds based on block chains according to claim 1, wherein the step 2 of establishing a tertiary account system comprises the following steps:
step 2-1, creating fund deposit and management general accounts of respective supervision fields according to different functions of the supervision units of the prepaid cards, or independently setting up first-level fund deposit and management general accounts Acct according to different supervision districtsuAcct, capital inventory general accountuThe routing module is used as an entity node account and is connected with various bank entity accounts in a butt joint mode, and the fund distribution work of unified routing is realized;
step 2-2, the main account Acct is managed in the fund deposituAdding a second-level operator account Acct below the root nodemA leaf node; the fund deposit and management general account administrator can inquire the Acct of each operator accountmiFund flow information, Acct of each operator accountmiCannot query each other under the condition of unauthorized permission;
step 2-3, Acct account of operatormCreating or binding a level three consumer account Acct under a nodec(ii) a The fund deposit and management general account administrator can inquire the fund information of each consumer account and each operator account AcctmThe customer account Acct under the node can be inquiredcFund information, individual customer account AcctcCannot inquire each other under the condition of unauthorized permission;
step 2-4, according to the actual prepaid card service requirement, each consumer settlement account is respectively hung with a fund balance type A account and a rights and interests balance type B account, and the type A account and the type B account are independently settled; the A-type account is used for clearing and paying the recharging amount of the cardholder, and the B-type account is only used for credit accumulation or credit accounting backup of the donated amount of the cardholder.
5. The method for supervising prepaid card funds based on block chains according to claim l, wherein the step 3 of capturing the daily fund flow of the operator from the acquiring channel specifically comprises: acquiring prepaid card recharging and consumption data from a prepaid card service processing system; acquiring data of the fund inlet and outlet and the fund balance of an operator bank account from a bank; and obtaining a payment detail record of the card purchase of the consumer from a payment channel.
6. The method for supervising prepaid card funds based on block chains according to claim 1, wherein in the step 4, the fund data comprises scene data, and the scene comprises: the method comprises the steps of purchasing a card by a consumer, consuming a prepaid card, carrying out cash by an operator and returning the card by the consumer.
7. The method of claim 6, wherein in step 4, the information field data of the uplink is provided in the card purchase data of the consumeriThe method comprises the following steps: consumer account number, time of purchase, prepaid card account number, prepaid card amount, operator account number; information field data for uplink of prepaid consumer cardsiThe method comprises the following steps: consumer account number, consumption time, prepaid card account number, prepaid card amount, operator account number; information field data for operator cash-out uplinkiThe method comprises the following steps: the account number of the operator, the cash withdrawal amount, the cash withdrawal time and the success or failure mark; information field data of consumer card-returning data uplinkiThe method comprises the following steps: consumer account number, card refund time, prepaid card account number, prepaid card amount, card refund amount.
8. The method for supervising block chain-based prepaid card funds according to claim 1, wherein the scenario in step 6 includes at least any one of the following:
step 6-1, a scene I is that a consumer purchases a card
The method comprises the steps that a consumer purchases a prepaid card with the amount of M, a payment mechanism records payment flow and sends a notice, and meanwhile, a prepaid card business processing system increases the balance Pca of the prepaid card of the consumer by M;
when the capital supervision system checks the data during the settlement, the amount Da should be stored and managed(i)＝Pca(i)Dp, wherein Dp is the storage tube proportion, and the value range of Dp is (0, 1)]；
Meanwhile, the payment mechanism transfers the amount M to the operator account, and all the amount M is automatically collected to the fund supervision mechanism account;
the next natural day is passed through the unified transfer planCalculating, fund deposit and management account balance Fda + M, consumer prepaid card balance Pca(i)The operator can withdraw an amount Wa as M(i)＝Fda(i)-Da(i)Wherein i is the ith prepaid card activity;
step 6-2, scene two is consumption prepayment card
If the consumer consumes S element, the operator prepayment card business processing system balances Pca for the consumer prepayment card(j)＝Pca(j-1)-S；
When the settlement is carried out on the same day, the fund supervision system checks the data, and the amount Da which should be stored and managed is checked(j)＝Pca(j)*Dp；
After the settlement on the day, the balance Fda of the fund deposit and management account(j)＝Fda(j-1)Consumer prepaid card balance Pca(j)＝Pca(j-1)S, the operator withdrawable amount Wa(j)＝Fda(j)-Pca(j)Dp, where j is the jth prepaid card activity;
step 6-3, the third scene is the withdrawal of the operator
When the operator applies for withdrawal through the management service platform, the fund supervision module checks the fund consumption scale, and the operator is informed of reapplication if the check fails; after the audit is passed, the supervising system sends a transfer instruction to the bank, and the corresponding money is drawn into a bank account appointed by the special account of the operator;
step 6-4, the scene four is that the consumer withdraws the card
The scene comprises two seed scenes, specifically as follows:
if the prepaid card service processing system agrees to refund the full amount according to the prepaid card agreement between the operator and the consumer, namely the refund proportion RP is 100%, the refund is deducted from the balance of the fund deposit and management account, if the balance is insufficient, the operator pays the additional fee, and the balance of the prepaid card of the consumer is 0;
if the prepaid card service processing system agrees with the refund proportion according to the agreement of the prepaid card between the operator and the consumer, the fund supervision mechanism checks the data, the balance of the fund deposit and management account is deducted from the amount of the prepaid card and is multiplied by the refund proportion, the balance of the consumer prepaid card is 0, and the operator can withdraw the amount of money and deduct the refund amount.
9. Method for supervision of prepaid card funds based on block chains according to claim 8, characterised in that said step 6-3 comprises in particular the following procedures:
operator applies for cash-out Awa(k)；
When Awa(k)≤Wa(k-1)At this point, the funds supervisor system reviews the pass and transfers Awa to the bank account designated by the operator(k)After the system is approved, the balance of the fund storage and management account corresponding to the operator is Fda(k)＝Fda(k-1)-Awa(k)Consumer prepaid card balance Pca(k)＝Pca(k-1)The operator can withdraw the sum Wa(k)＝Fda(k)-Pca(k)Dp, where k is the kth prepaid card activity;
and when the withdrawal amount initiated by the operator is larger than the withdrawable amount, the fund supervision mechanism system does not check and pass, and refuses the operator to withdraw the withdrawal.
10. A system for managing a block chain prepaid card based on fund supervision, which is used for implementing the method for managing a block chain prepaid card based on fund supervision as claimed in any one of claims 1 to 9, and is characterized in that: the system comprises a platform building and deploying module, a tertiary account building module, a fund data acquisition module, a fund asset chaining module, a fund reconciliation and allocation module and a fund supervision module; the platform building and deploying module is used for building a block chain supervision platform and deploying nodes, and specifically realizes the function of the step 1 in the block chain prepaid card management method based on fund supervision; the third-level account building module is used for building a fund supervision third-level account system and specifically realizing the function of the step 2 in the block chain prepaid card management method based on fund supervision; the fund data acquisition module is used for acquiring fund data of operators and consumers, and specifically realizes the function of step 3 in the block chain prepaid card management method based on fund supervision; the capital asset uplink module is used for uplink of capital data according to a time stamp, and specifically realizes the function of step 4 in the block chain prepaid card management method based on capital supervision; the fund reconciliation and transfer module is used for reconciliation and transfer of fund information and specifically realizes the function of the step 5 in the block chain prepaid card management method based on fund supervision; the fund supervision module is used for implementing fund supervision schemes of different scenes, and specifically realizes the function of step 6 in the block chain prepaid card management method based on fund supervision.
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| CN115456619A (en) * | 2022-09-27 | 2022-12-09 | 山东鲁商通科技有限公司 | Virtual prepaid card issuing system and method based on block chain technology |
| CN115456619B (en) * | 2022-09-27 | 2024-02-20 | 山东鲁商通科技有限公司 | Virtual prepaid card issuing system and method based on blockchain technology |
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