CN114707980A - Method and device for processing collection information based on block chain - Google Patents
Method and device for processing collection information based on block chain Download PDFInfo
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- CN114707980A CN114707980A CN202210366822.6A CN202210366822A CN114707980A CN 114707980 A CN114707980 A CN 114707980A CN 202210366822 A CN202210366822 A CN 202210366822A CN 114707980 A CN114707980 A CN 114707980A
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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
- G06Q20/22—Payment schemes or models
- G06Q20/29—Payment schemes or models characterised by micropayments
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Abstract
The invention discloses a method and a device for processing collection information based on a block chain, which relate to the technical field of the block chain, and the method comprises the following steps: receiving a payee request initiated by a payee mobile phone through a 5G message; uploading the payee face information to a block chain; according to the mobile phone numbers of the multiple payers, respectively sending the bill information, the information of the payee bank card and the information of the amount to be paid to the multiple payers through 5G messages; after the payer mobile phone acquires the payee face information from the blockchain and successfully confirms the payee face information, receiving a payment request initiated by the payer mobile phone through a 5G message; uploading payer face information to a blockchain; sending the payment request to a bank background server; and after the bank background server confirms that the face information of the payer is successfully completed, receiving a payment result fed back by the bank background server and sending the payment result to the payee mobile phone and the plurality of payer mobile phones. Therefore, the user experience can be improved, and the payment efficiency and the payment safety can be improved.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a method and a device for processing collection information based on a block chain.
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.
In the life at ordinary times, there are many scenes that need AA to collect money, such as after friends gather a meal, after spelling a bill etc., APP such as current WeChat supports AA collection, but need to pull all people to a crowd, can disturb other people when collecting money like this, and user experience is poor, and the payment security is not high moreover, and is inefficient.
Disclosure of Invention
The embodiment of the invention provides a block chain-based collection information processing method, which is used for improving the payment safety and efficiency and improving the user experience in a multi-person payment scene, and comprises the following steps:
receiving a collection request initiated by a mobile phone of a payee through a 5G message, wherein the collection request comprises the following steps: the payment system comprises payment bill information, payment bank card information, payee face information, mobile phone numbers of a plurality of payers and amount information to be paid respectively;
uploading the payee face information to a block chain;
according to the mobile phone numbers of the multiple payers, respectively sending the bill information, the information of the payee bank card and the information of the amount to be paid to the multiple payers through 5G messages;
after the payer mobile phone acquires the payee face information from the blockchain and successfully confirms the payee face information, a payment request initiated by the payer mobile phone through a 5G message is received, wherein the payment request comprises: the information of the bill to be paid, the information of the bank card to be paid, the information of the amount to be paid and the information of the face of the payer are collected;
uploading payer face information to a blockchain;
sending the payment request to a bank background server;
after the bank background server successfully confirms the face information of the payer and finishes payment according to the information of the bill of receipt, the information of the bank card of payment and the information of the amount of money to be paid, the bank background server receives the payment result fed back by the bank background server;
and sending the payment result to the payee mobile phone and the plurality of payer mobile phones through the 5G message.
The embodiment of the invention also provides a block chain-based collection information processing device, which is used for improving the payment safety and efficiency and improving the user experience in a multi-person payment scene, and comprises the following components:
the receiving module of the receiving request is used for receiving the receiving request initiated by the mobile phone of the receiver through the 5G message, and the receiving request comprises: the payment system comprises payment bill information, payment bank card information, payee face information, mobile phone numbers of a plurality of payers and amount information to be paid respectively;
the payee face information uploading module is used for uploading payee face information to the block chain;
the payment information sending module is used for respectively sending payment bill information, payment bank card information and amount information to be paid to the mobile phones of the multiple payers through 5G messages according to the mobile phone numbers of the multiple payers;
the payment request receiving module is used for receiving a payment request initiated by the payer mobile phone through the 5G message after the payer mobile phone obtains the payee face information from the block chain and successfully confirms the payee face information, and the payment request comprises: the information of the bill to be paid, the information of the bank card to be paid, the information of the amount to be paid and the information of the face of the payer are collected;
the payer face information uploading module is used for uploading the payer face information to the block chain;
the payment request sending module is used for sending the payment request to the bank background server;
the payment result receiving module is used for receiving the payment result fed back by the bank background server after the bank background server successfully confirms the face information of the payer and completes payment according to the collection bill information, the collection bank card information, the payment bank card information and the amount information to be paid;
and the payment result sending module is used for sending the payment result to the mobile phone of the payee and the mobile phones of a plurality of payers through the 5G message.
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 realizes the block chain-based collection information processing method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the method for processing the collection information based on the block chain is realized.
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 computer program implements the above method for processing collection information based on a block chain.
In the embodiment of the invention, a receiving request initiated by a payee mobile phone through a 5G message is received, wherein the receiving request comprises the following steps: the payment system comprises payment bill information, payment bank card information, payee face information, mobile phone numbers of a plurality of payers and amount information to be paid respectively; uploading the payee face information to a block chain; according to the mobile phone numbers of the multiple payers, respectively sending the bill information, the information of the payee bank card and the information of the amount to be paid to the multiple payers through 5G messages; after the payer mobile phone acquires the payee face information from the blockchain and successfully confirms the payee face information, a payment request initiated by the payer mobile phone through a 5G message is received, wherein the payment request comprises: the information of the bill to be paid, the information of the bank card to be paid, the information of the amount to be paid and the information of the face of the payer are collected; uploading payer face information to a blockchain; sending the payment request to a bank background server; after the bank background server confirms the face information of the payer successfully and completes payment according to the collection bill information, the collection bank card information, the payment bank card information and the amount information to be paid, receiving a payment result fed back by the bank background server; and sending the payment result to the mobile phone of the payee and the mobile phones of a plurality of payers through 5G messages. Therefore, the user experience can be improved, each payer only receives own information during collection, other people cannot be disturbed, and the payment efficiency can be improved; the face information is stored and verified through the block chain technology, and the payment safety can be 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 schematic flow chart of a block chain-based collection information processing method according to an embodiment of the present invention;
fig. 2 is a diagram illustrating an exemplary embodiment of a method for processing receipt information based on a block chain according to an embodiment of the present invention;
FIG. 3 is a diagram illustrating an embodiment of a method for processing payment information based on a block chain according to the present invention;
FIG. 4 is a diagram illustrating an exemplary configuration of a block chain-based apparatus for processing payment information according to an embodiment of the present invention;
FIG. 5 is a diagram of an embodiment of a block chain-based apparatus for processing payment information according to the present invention;
FIG. 6 is a diagram of an embodiment of a block chain-based apparatus for processing payment information according to the present invention;
FIG. 7 is a diagram of an exemplary embodiment of a block chain-based checkout information processing apparatus according to the present invention;
FIG. 8 is a diagram illustrating an exemplary embodiment of a block chain-based checkout information processing apparatus according to the present invention;
fig. 9 is a diagram of an embodiment of a block chain-based collection information processing apparatus according to 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.
As described above, the inventor finds that in daily life, there are many scenes that require AA collection, such as after gathering friends and after gathering orders, APP such as WeChat supports AA collection, but all people need to be pulled to a group, so that other people are disturbed when collecting money, user experience is poor, payment safety is not high, and efficiency is low. In order to solve the problem, the inventor proposes a method for processing collection information based on a block chain in an embodiment of the present invention, as shown in fig. 1, where the method includes:
102, uploading the face information of the payee to a block chain;
103, respectively sending the information of the collected bill, the information of the collected bank card and the information of the amount to be paid to the mobile phones of the multiple payers through 5G messages according to the mobile phone numbers of the multiple payers;
and step 108, sending the payment result to the mobile phone of the payee and the mobile phones of the multiple payers through the 5G message.
As can be known from the flow shown in fig. 1, in the embodiment of the present invention, a receiving request initiated by a payee mobile phone through a 5G message is received, where the receiving request includes: the payment system comprises payment bill information, payment bank card information, payee face information, mobile phone numbers of a plurality of payers and amount information to be paid respectively; uploading the payee face information to a block chain; according to the mobile phone numbers of the multiple payers, respectively sending the bill information, the information of the payee bank card and the information of the amount to be paid to the multiple payers through 5G messages; after the payer mobile phone acquires the payee face information from the blockchain and successfully confirms the payee face information, a payment request initiated by the payer mobile phone through a 5G message is received, wherein the payment request comprises: the information of the bill to be paid, the information of the bank card to be paid, the information of the amount to be paid and the information of the face of the payer are collected; uploading payer face information to a blockchain; sending the payment request to a bank background server; after the bank background server confirms the face information of the payer successfully and completes payment according to the collection bill information, the collection bank card information, the payment bank card information and the amount information to be paid, receiving a payment result fed back by the bank background server; and sending the payment result to the mobile phone of the payee and the mobile phones of a plurality of payers through 5G messages. Therefore, the user experience can be improved, each payer only receives own information when receiving the payment, other people cannot be disturbed, and the payment efficiency can be improved; the face information is stored and verified through the block chain technology, and the safety of payment can be improved.
In specific implementation, firstly, authorization of a payee and a payer is obtained, and then before receiving a payment request initiated by a payee at a mobile phone end through a 5G message, the payee may also perform bank card binding, fig. 2 is a specific example diagram of a receiving information processing method based on a block chain in an embodiment of the present invention, as shown in fig. 2, in an embodiment, the receiving information processing method based on a block chain shown in fig. 1 may further include, before step 101:
step 203, after the bank background server successfully confirms the face information of the payee and completes the binding of the payee bank card according to the information of the payee bank card, receiving a first binding completion message fed back by the bank background server;
and step 204, sending the first binding completion message to the mobile phone of the payee through a 5G message.
After the bank card binding is completed, a money receiving request initiated by a payee at the mobile phone end through a 5G message is received, and in one embodiment, the money receiving request may include: the method comprises the following steps of receiving bill information, receiving bank card information, payee face information, mobile phone numbers of a plurality of payers and amount information needing to be paid respectively, wherein the mobile phone numbers of the payers can be selected from an address book, and it can be understood that a receiving request and the acquisition of the mobile phone numbers of the payers are not limited to the embodiment and can be specifically selected according to actual conditions, for example, the receiving request can further comprise: the nickname of the payer and the acquisition of the mobile phone number of the payer can be manually added by the payee.
And then uploading the face information of the payee to a block chain for storage.
And then, according to the mobile phone numbers of the multiple payers, respectively sending the collected bill information, the collected bank card information and the amount information to be paid to the mobile phone ends of the multiple payers through 5G messages.
And then, the payer receiving the information acquires the face information of the payee from the blockchain through a mobile phone and confirms the face information of the payee.
Fig. 3 is a diagram illustrating a specific example of a receiving information processing method based on a block chain in an embodiment of the present invention, as shown in fig. 3, where in an embodiment, the receiving information processing method based on a block chain shown in fig. 1 may further include, before step 104:
and step 304, sending the second binding completion message to the mobile phone of the payer through a 5G message.
After the bank card binding is completed, a payment request initiated by the mobile phone of the payer through a 5G message is received, and in one embodiment, the payment request may include: the payment request is not limited to the present example, and may be specifically selected according to actual situations, and for example, the payment request may further include: a nickname of the payer, etc.
After receiving the payment request, the face information of the payer is uploaded to the block chain to prevent repudiation. And sending the payment request to a bank background server, finishing payment according to the payee bill information, the payee bank card information, the payment bank card information and the amount information to be paid after the bank background server successfully confirms the face information of the payer, receiving a payment result fed back by the bank background server after the payment is finished, and sending the payment result to the payee mobile phone and the plurality of payer mobile phones through 5G messages.
When the payer mobile phone acquires the payee face information from the blockchain, fails to confirm the payee face information, or disagrees with the amount information to be paid, in one embodiment, a payment refusing message sent by the payer mobile phone through a 5G message is received, the payment refusing message is sent to the payee mobile phone through the 5G message, the content of the payment refusing message may be that the payer does not participate in the party or does not know the payee, and it can be understood that the content of the payment refusing message is not limited to the present example, and can be specifically selected according to the actual situation, for example, the cost can be paid in other manners.
When the payer mobile phone acquires the payee face information from the blockchain, the payee face information is not confirmed successfully, or the amount information to be paid is not agreed, the payer refuses to pay and requests to modify the bill, and in one embodiment, the bill modification request sent by the payer mobile phone through a 5G message is received, and the bill modification request is sent to the payee mobile phone through a 5G message. The payee's mobile phone can send the modified receipt request through the 5G message according to the bill modification request.
After receiving the modified collection request sent by the mobile phone of the payee through the 5G message, verifying whether the information of the amount paid by the payer who has paid is correct or not according to the modified collection request; and when the amount information paid by the paid payer is incorrect, calculating difference information according to the modified collection request, and informing the bank background server and the corresponding payer mobile phone to modify payment according to the difference information. For example, the surplus amount is returned to the payer, the refund process is that the 5G message server calculates difference information and sends the difference information to the background server, the background server returns the surplus amount to the payer on the same way, and the payee needs to replenish the bill for payment again in a small part.
When finding that the payer does not pay or refuse or requests to modify the bill message, the payee can also send a payment request to the corresponding payer again for collection.
The embodiment of the invention also provides a device for processing the collection information based on the block chain, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the block chain-based collection information processing method, the implementation of the device can refer to the implementation of the block chain-based collection information processing method, and repeated parts are not described again.
Fig. 4 is a diagram illustrating an exemplary configuration of a block chain-based collection information processing apparatus according to an embodiment of the present invention, as shown in fig. 4, the apparatus includes:
the receiving module 401 may be configured to receive a receiving request initiated by a mobile phone of a payee through a 5G message, where the receiving request includes: the payment system comprises payment bill information, payment bank card information, payee face information, mobile phone numbers of a plurality of payers and amount information to be paid respectively;
a payee face information upload module 402, which may be configured to upload payee face information to the blockchain;
a collection information sending module 403, configured to send collection bill information, collection bank card information, and information of the amount to be paid to multiple payers' mobile phones through 5G messages according to the mobile phone numbers of the multiple payers, respectively;
the payment request receiving module 404 may be configured to receive a payment request initiated by the payer mobile phone through a 5G message after the payer mobile phone obtains the payee face information from the blockchain and successfully confirms the payee face information, where the payment request includes: the information of the bill to be paid, the information of the bank card to be paid, the information of the amount to be paid and the information of the face of the payer are collected;
a payer face information uploading module 405, which may be used to upload payer face information to the blockchain;
a payment request sending module 406, configured to send a payment request to a bank backend server;
the payment result receiving module 407 is configured to receive a payment result fed back by the bank backend server after the bank backend server successfully confirms the face information of the payer and completes payment according to the collection bill information, the collection bank card information, the payment bank card information and the amount information to be paid;
and the payment result sending module 408 may be configured to send the payment result to the payee handset and the plurality of payer handsets through a 5G message.
Fig. 5 is a diagram illustrating a configuration example of a specific example of a block chain-based collection information processing apparatus according to an embodiment of the present invention, and as shown in fig. 5, in an embodiment, the block chain-based collection information processing apparatus shown in fig. 4 may further include:
the payment denial processing module 501 may be configured to receive a payment denial message sent by the payer mobile phone through a 5G message when the payer mobile phone obtains payee face information from the blockchain, fails to confirm the payee face information, or disagrees with amount information to be paid; and sending the payment refusal message to the mobile phone of the payee through a 5G message.
Fig. 6 is a diagram illustrating a configuration example of a specific example of a block chain-based collection information processing apparatus according to an embodiment of the present invention, as shown in fig. 6, in an embodiment, the block chain-based collection information processing apparatus shown in fig. 4 may further include:
the bill modification processing module 601 is configured to receive a bill modification request sent by a payer mobile phone through a 5G message when the payer mobile phone obtains payee face information from a block chain, and the payee face information is failed to be confirmed, or the amount information to be paid is not approved; and sending the bill modification request to the payee mobile phone through the 5G message, so that the payee mobile phone sends the modified payee request through the 5G message according to the bill modification request.
In one embodiment, the receipt request receiving module 401 may be further operable to: receiving a modified collection request sent by a payee mobile phone through a 5G message;
fig. 7 is a diagram illustrating a configuration example of a specific example of a block chain-based collection information processing apparatus according to an embodiment of the present invention, as shown in fig. 7, in an embodiment, the block chain-based collection information processing apparatus shown in fig. 6 may further include:
the collection verification processing module 701 may be configured to verify whether the information of the amount paid by the payer who has paid is correct according to the modified collection request after the collection request receiving module 401 receives the modified collection request sent by the payee's mobile phone through the 5G message; and when the amount information paid by the paid payer is incorrect, calculating difference information according to the modified collection request, and informing the bank background server and the corresponding payer mobile phone to modify payment according to the difference information.
Fig. 8 is a diagram illustrating a configuration of an embodiment of a gathering information processing apparatus based on a block chain according to an embodiment of the present invention, and as shown in fig. 8, in an embodiment, the gathering information processing apparatus based on a block chain shown in fig. 4 may further include:
the collection bank card binding module 801 may be configured to perform the following operations:
receiving a receiving bank card binding request initiated by a receiver mobile phone through a 5G message, wherein the receiving bank card binding request comprises the following steps: information of a payee bank card and information of a payee face;
sending a binding request of a money receiving bank card to a bank background server;
after the bank background server successfully confirms the face information of the payee and finishes binding the payee according to the information of the payee, receiving a first binding finishing message fed back by the bank background server;
and sending the first binding completion message to the mobile phone of the payee through a 5G message.
Fig. 9 is a diagram illustrating a configuration example of a specific example of a block chain-based collection information processing apparatus according to an embodiment of the present invention, and as shown in fig. 9, in an embodiment, the block chain-based collection information processing apparatus shown in fig. 4 may further include:
a payment bank card binding module 901 operable to:
receiving a payment bank card binding request initiated by a payer mobile phone through a 5G message, wherein the payment bank card binding request comprises the following steps: payment bank card information and payer face information;
sending a binding request of a payment bank card to a bank background server;
after the bank background server successfully confirms the face information of the payer and finishes binding the payment bank card according to the information of the payment bank card, receiving a second binding finishing message fed back by the bank background server;
and sending the second binding completion message to the mobile phone of the payer through a 5G message.
Of course, it is understood that other variations of the above detailed flow can be made, and all such variations are intended to fall within the scope of the present invention.
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 realizes the credit card risk user analysis method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the method for processing the collection information based on the block chain is realized.
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 computer program implements the above method for processing collection information based on a block chain.
In summary, in the embodiment of the present invention, a receiving request initiated by a payee mobile phone through a 5G message is received, where the receiving request includes: the payment system comprises payment bill information, payment bank card information, payee face information, mobile phone numbers of a plurality of payers and amount information to be paid respectively; uploading the payee face information to a block chain; according to the mobile phone numbers of the multiple payers, respectively sending the bill information, the information of the payee bank card and the information of the amount to be paid to the multiple payers through 5G messages; after the payer mobile phone acquires the payee face information from the blockchain and successfully confirms the payee face information, a payment request initiated by the payer mobile phone through a 5G message is received, wherein the payment request comprises: the information of the bill to be paid, the information of the bank card to be paid, the information of the amount to be paid and the information of the face of the payer are collected; uploading payer face information to a blockchain; sending the payment request to a bank background server; after the bank background server successfully confirms the face information of the payer and finishes payment according to the information of the bill of receipt, the information of the bank card of payment and the information of the amount of money to be paid, the bank background server receives the payment result fed back by the bank background server; and sending the payment result to the payee mobile phone and the plurality of payer mobile phones through the 5G message. Therefore, the user experience can be improved, each payer only receives own information during collection, other people cannot be disturbed, and the payment efficiency can be improved; the face information is stored and verified through the block chain technology, and the payment safety can be 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 has been described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are provided to further explain the objects, technical solutions and advantages of the present invention in detail, and it should be understood that the above-mentioned embodiments are only examples of the present invention and should not be used to limit the scope of the present invention, and any modifications, equivalents, 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 method for processing collection information based on a block chain is characterized by comprising the following steps:
receiving a payment request initiated by a payee mobile phone through a 5G message, wherein the payment request comprises: the payment system comprises payment bill information, payment bank card information, payee face information, mobile phone numbers of a plurality of payers and amount information to be paid respectively;
uploading the payee face information to a block chain;
according to the mobile phone numbers of the multiple payers, respectively sending the bill information, the information of the payee bank card and the information of the amount to be paid to the multiple payers through 5G messages;
after the payer mobile phone acquires the payee face information from the blockchain and successfully confirms the payee face information, receiving a payment request initiated by the payer mobile phone through a 5G message, wherein the payment request comprises: the information of the bill to be paid, the information of the bank card to be paid, the information of the amount to be paid and the information of the face of the payer are collected;
uploading payer face information to a blockchain;
sending the payment request to a bank background server;
after the bank background server successfully confirms the face information of the payer and finishes payment according to the information of the bill of receipt, the information of the bank card of payment and the information of the amount of money to be paid, the bank background server receives the payment result fed back by the bank background server;
and sending the payment result to the mobile phone of the payee and the mobile phones of a plurality of payers through 5G messages.
2. The method of claim 1, further comprising:
when the payer mobile phone acquires the payee face information from the blockchain, the payee face information is determined to be failed, or the amount information to be paid is not approved, the payment refusing message sent by the payer mobile phone through the 5G message is received;
and sending the payment refusal message to the mobile phone of the payee through a 5G message.
3. The method of claim 1, further comprising:
when the payer mobile phone acquires the payee face information from the blockchain, the payee face information is determined to be failed, or the amount information to be paid is not approved, receiving a bill modification request sent by the payer mobile phone through a 5G message;
and sending the bill modification request to a payee mobile phone through a 5G message, so that the payee mobile phone sends the modified payee request through the 5G message according to the bill modification request.
4. The method of claim 3, further comprising:
after receiving the modified collection request sent by the mobile phone of the payee through the 5G message, verifying whether the information of the amount paid by the payer who has paid is correct or not according to the modified collection request;
and when the information of the amount paid by the payer who has paid is incorrect, calculating difference information according to the modified collection request, and informing the bank background server and the corresponding payer to modify payment by a mobile phone according to the difference information.
5. The method of claim 1, wherein before receiving a collect request initiated by a payee handset via a 5G message, further comprising:
receiving a receiving bank card binding request initiated by a receiver mobile phone through a 5G message, wherein the receiving bank card binding request comprises the following steps: information of a payee bank card and information of a payee face;
sending the binding request of the money receiving bank card to a bank background server;
after the bank background server successfully confirms the face information of the payee and finishes binding the payee according to the information of the payee, receiving a first binding finishing message fed back by the bank background server;
and sending the first binding completion message to the mobile phone of the payee through a 5G message.
6. The method as recited in claim 1, wherein prior to receiving a payment request initiated by a payer handset via a 5G message, further comprising:
receiving a payment bank card binding request initiated by a payer mobile phone through a 5G message, wherein the payment bank card binding request comprises: payment bank card information and payer face information;
sending the payment bank card binding request to a bank background server;
after the bank background server successfully confirms the face information of the payer and finishes binding the payment bank card according to the information of the payment bank card, receiving a second binding finishing message fed back by the bank background server;
and sending the second binding completion message to the mobile phone of the payer through a 5G message.
7. A block chain-based collection information processing apparatus, comprising:
a receiving request receiving module, configured to receive a receiving request initiated by a payee through a 5G message, where the receiving request includes: the payment system comprises payment bill information, payment bank card information, payee face information, mobile phone numbers of a plurality of payers and amount information to be paid respectively;
the payee face information uploading module is used for uploading payee face information to the block chain;
the payment information sending module is used for respectively sending the payment bill information, the payment bank card information and the amount information to be paid to the mobile phones of the multiple payers through 5G messages according to the mobile phone numbers of the multiple payers;
the payment request receiving module is used for receiving a payment request initiated by a payer mobile phone through a 5G message after the payer mobile phone acquires payee face information from the blockchain and successfully confirms the payee face information, and the payment request comprises: the information of the bill to be paid, the information of the bank card to be paid, the information of the amount to be paid and the information of the face of the payer are collected;
the payer face information uploading module is used for uploading the payer face information to the block chain;
the payment request sending module is used for sending the payment request to a bank background server;
the payment result receiving module is used for receiving the payment result fed back by the bank background server after the bank background server successfully confirms the face information of the payer and completes payment according to the collection bill information, the collection bank card information, the payment bank card information and the amount information to be paid;
and the payment result sending module is used for sending the payment result to the mobile phone of the payee and the mobile phones of a plurality of payers through the 5G message.
8. The apparatus of claim 7, further comprising:
the payment refusal processing module is used for receiving payment refusal information sent by the payer mobile phone through a 5G message when the payer mobile phone acquires the payee face information from the block chain, fails to confirm the payee face information or does not agree with the amount information to be paid; and sending the payment refusal message to the mobile phone of the payee through a 5G message.
9. The apparatus of claim 7, further comprising:
the bill modification processing module is used for receiving a bill modification request sent by the payer mobile phone through a 5G message when the payer mobile phone acquires the payee face information from the block chain, the payee face information is failed to be confirmed, or the amount information to be paid is not approved; and sending the bill modification request to a payee mobile phone through a 5G message, so that the payee mobile phone sends the modified payee request through the 5G message according to the bill modification request.
10. The apparatus of claim 9, wherein the receipt request receiving module is further for: receiving a modified collection request sent by a payee mobile phone through a 5G message;
the device further comprises: the collection verification processing module is used for verifying whether the information of the amount paid by the paid payer is correct or not according to the modified collection request after the collection request receiving module receives the modified collection request sent by the mobile phone of the payee through the 5G message; and when the information of the amount paid by the payer who has paid is incorrect, calculating difference information according to the modified collection request, and informing the bank background server and the corresponding payer to modify payment by a mobile phone according to the difference information.
11. The apparatus of claim 7, further comprising:
the receiving bank card binding module is used for executing the following operations before the receiving request receiving module receives a receiving request initiated by a receiver mobile phone through a 5G message:
receiving a receiving bank card binding request initiated by a receiver mobile phone through a 5G message, wherein the receiving bank card binding request comprises the following steps: information of a payee bank card and information of a payee face;
sending the binding request of the money receiving bank card to a bank background server;
after the bank background server successfully confirms the face information of the payee and finishes binding the payee according to the information of the payee, receiving a first binding finishing message fed back by the bank background server;
and sending the first binding completion message to the mobile phone of the payee through a 5G message.
12. The apparatus of claim 7, further comprising:
the payment bank card binding module is used for executing the following operations before the payment request receiving module receives a payment request initiated by a payer mobile phone through a 5G message:
receiving a payment bank card binding request initiated by a payer mobile phone through a 5G message, wherein the payment bank card binding request comprises: payment bank card information and payer face information;
sending the payment bank card binding request to a bank background server;
after the bank background server successfully confirms the face information of the payer and finishes binding the payment bank card according to the information of the payment bank card, receiving a second binding finishing message fed back by the bank background server;
and sending the second binding completion message to the mobile phone of the payer through a 5G message.
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 6 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 6.
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 6.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210366822.6A CN114707980A (en) | 2022-04-08 | 2022-04-08 | Method and device for processing collection information based on block chain |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210366822.6A CN114707980A (en) | 2022-04-08 | 2022-04-08 | Method and device for processing collection information based on block chain |
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| CN202210366822.6A Pending CN114707980A (en) | 2022-04-08 | 2022-04-08 | Method and device for processing collection information based on block chain |
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| CN (1) | CN114707980A (en) |
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