CN114723499A

CN114723499A - NFR-based digital gift certificate transaction method

Info

Publication number: CN114723499A
Application number: CN202210491676.XA
Authority: CN
Inventors: 蔡维德
Original assignee: Tianmin Qingdao International Sandbox Research Institute Co ltd; Zeu Crypto Networks Inc
Current assignee: Tianmin Qingdao International Sandbox Research Institute Co ltd; Zeu Crypto Networks Inc
Priority date: 2022-05-07
Filing date: 2022-05-07
Publication date: 2022-07-08

Abstract

The invention provides a transaction method of digital gift certificates based on NFR, which comprises the following steps: (1) the NFR-based digital gift certificate issuing platform operation flow; (2) the operation flow of the client; (3) the operation flow of the bank or financial institution; (4) the operation flow of the NFR-based digital gift certificate verification center; (5) the operation flow of the digital gift certificate trading platform based on the NFR; (6) the operation flow of the digital gift certificate customer service center based on NFR; (7) the operation flow of the insurance company. Corresponding transaction systems, electronic devices, and computer-readable storage media are also provided.

Description

Digital gift certificate transaction method based on NFR

Technical Field

The invention belongs to the field of block chain technology, intelligent contracts and supervision technology, in particular to the field of Non-homogeneous Rights (NFR) and an inter-link network, and particularly relates to a digital gift certificate transaction method based on the NFR.

Background

"Non-homogeneous Token" (NFT) NFR white paper was published in 10 months in 2021, and it was proposed that NFR has three purposes, the first one is to replace NFT (Non-homogeneous Token), since NFT is not available in china, but NFT has some characteristics that are needed by the market; the second objective is that NFR presents a new business model, i.e. a profitable model (which conventional NFT does not have); the third purpose is to provide the governing technology and the infrastructure of the flower-heart-shaped universe. Recently, foreign NFTs have also begun to offer equity, but no mechanism or design for universal equity has been proposed yet, with the issue of equity being addressed by the NFT issuer itself. The NFR equity or NFT equity is innovative and there is no mechanism to put an equity in the world today. Some of the common rights now include: 1) may participate in activities such as a concert in the meta universe; 2) can receive some substances such as white tea or Pu' er tea; 3) the interests of the related copyright can be enjoyed; 4) there may be a discount when purchasing other products or services, such as buying the associated shoe for a 20% discount. The biggest difference between NFR and foreign NFT (Non-fungal Token) lies in:

(1) in the NFR system, the real asset is still in the entity (whereas in the NFT system, the real asset stays on the network and cannot come out of the network);

(2) NFT uses foreign prohibited digital token systems such as etherhouses, while NFR does not use any public chain;

(3) NFT uses ethernet transactions, while NFR has no token mechanism;

(4) the traditional NFT has no added value, only the collection value, but the NFR has other rights besides the collection value. The NFR protocol is therefore complex.

The NFR is a complex protocol, and not only has multi-chain cooperation, but also has a plurality of participants, including an NFR issuer, a platform side, a supervision unit, a verification center, a trading exchange or a trading unit, and a client side; and multiple related numbers are encrypted in multiple layers and are in different blockchain systems. Based on this, the following problems also exist in realizing the equity exchange of NFR:

(1) the prior art cannot realize a flexible equity exchange mechanism, and the equity exchange based on NFR is flexible, complex or simple; and because of the implementation using intelligent contract mechanisms, there is a need for sufficient flexibility to enable both long-term, multiple redemption and support for one-time redemption.

(2) Although the certificate on the NFR chain is unique, although it can be used for tracking and tracing, there is a disadvantage that a non-holder cheats in the rights and interests exchange process, so that whether the NFR issuer (producer) or the NFR holder is subjected to the redemption of the NFR rights and interests, a safe and reliable way for protecting privacy is required; both legal rights and interests of both parties are protected, and the basis of NFR compliance is guaranteed, so that rights and interests of a publisher needing to guarantee publicity must be provided on time to protect consumers.

(3) The field of application of NFR has been expanding, now to Digital coupons (Digital coupons). Gift certificates are often used in the business field to obtain customers, but the conventional gift certificates are paper and are developed into electronic certificates later, but the paper certificates or the electronic certificates have disadvantages including: the number of paper coupons is not high, and the paper is easy to damage; merchants have poor control over electronic coupons because electronic coupons are only available and used via the web site or on the App and cannot be used for transactions.

The digital gift certificate is a digital right or a digital IP, and the digital right can be exchanged for a service or a product. For example, all merchants in a city in China, including restaurants, pedicures, clubs, etc., may apply for issuing digital coupons. The customer who has access to the digital gift certificate can change to a product or service at the merchant. For example, a digital gift certificate has a value of 200 dollars, but a customer may pay only 100 dollars to obtain 200 dollars of services or products. Many customers may be willing to purchase digital coupons due to the large amount of discounts.

However, both paper and digital coupons present the following risks:

risk (1): gift certificates present the risk of being counterfeited by a person: because digital gift certificates are generally discounted, someone can illegally copy the digital gift certificates, customers spend money to purchase the fake gift certificates, and merchants obtain substantial losses;

risk (2): the merchant may have fraud. The method comprises the following steps: unwilling to redeem the rights on the gift certificate, or intentionally providing low quality services or products, the customer receives a substantial loss;

risk (3): the merchant may not be fraudulent, but before the gift certificate is not invalid, the customer gains actual loss because the merchant fails to close and cannot provide corresponding service;

risk (4): the client does not use the gift certificate because of moving or other factors, but has spent funds to buy the gift certificate, and the client gets actual loss;

risk (5): the merchant delivers goods according to the gift certificate contract, but because logistics is not completed, the customer does not obtain the service or product which should be obtained, while the merchant actually delivers goods, and both parties obtain actual loss;

risk (6): the merchant delivers goods according to the gift certificate contract, but the client receives the product but does not receive the product, and the merchant obtains actual loss;

risk (7): the merchant gives the gift certificate to the appointed customer free of charge or with extremely low price, the customer sells the gift certificate to a third party at low price, and the third party immediately sells the gift certificate in the market with lower value than the market; the method belongs to the frequent non-compliance phenomenon in the market and has the characteristic of non-compliance transaction.

In fact, digital coupons would greatly reduce the above-mentioned risks of paper coupons. However, the digital gift certificates also have the following problems: in general, after the digital gift certificate is committed, cash cannot be returned, and a customer can only exchange the digital gift certificate for service or product but cannot be presented; however, there are cases where cash can be returned, and there is a possibility of non-compliance.

The applicant has laid out patent protection in terms of the overall framework of NFR and the safeguards of the job and rights, however the main market is the production of works of art, etc., which are less likely to be non-compliant since they are likely to be traded in cash and the number of trades is not very large. Different gift certificates, many traditional gift certificates have discounts and are offered at low prices. The discounted gift certificate is in fact a pre-sold ticket, the customer pays the money first to get the discount, and the merchant offers the service later. This is one of the important sources for merchants to obtain customers. This would also be true of digital coupons. As many merchants can issue digital coupons, process and administer the digital coupons and manage digital artwork differently. Because of the enormous number of enterprises that can issue digital coupons, digital coupons require a more rigorous management approach, and there is no prior art transaction system and transaction method for the maturity compliance of NFR-based digital coupons.

Disclosure of Invention

The invention provides a transaction method of digital gift certificate based on NFR, aiming at solving one or more technical problems in the prior art, the digital gift certificate based on NFR can be used for transaction, service or products are obtained from merchants, and the merchants can loan by using the digital gift certificate.

A first aspect of the present invention provides a method for trading NFR-based digital gift certificates, comprising:

(1) the NFR-based digital gift certificate issuing platform operation flow comprises the following steps:

determining NFR issuance rules to be followed for issuing the digital gift certificates;

after the NFR-based digital gift certificate issuing platform receives a request of a merchant for issuing a digital gift certificate, the NFR-based digital gift certificate issuing platform performs credit evaluation on the merchant, and the credit evaluation comprises the following steps: for example, inquiring the history of the digital gift certificates issued by the merchant in the past, if the merchant is a listed company, evaluating the financial condition of the merchant, and the like; even if the credit of the merchant is very good, any issued digital gift certificate needs to be studied carefully to allow the merchant to issue the digital gift certificate;

approving issuance of the digital coupon if the merchant is determined to have sufficient credit;

after a digital gift certificate is issued by a digital gift certificate issuing platform based on NFR, a merchant publicizes and promotes the digital gift certificate;

(2) the operation flow of the client comprises the following steps:

the client pays the merchant to purchase the digital gift certificate or obtains the digital gift certificate in a free gift mode; for free digital coupons, the customer does not need to pay; for purchasing the obtained digital gift certificate, the purchased funds are not directly delivered to the merchant, but delivered to the bank or financial institution; or the client purchases the digital gift certificate from the transaction platform instead of directly purchasing from the issued merchant, and before purchasing, whether the digital gift certificate is real or not and credit investigation data of the merchant issuing the digital gift certificate are verified through the NFR-based digital gift certificate verification center; inquiring whether balance is left by a NFR-based digital gift certificate customer service center;

the customer verifies whether the received digital gift certificate is authentic through the digital gift certificate verification center, and if not, immediately informs a bank or a financial institution and requires refund;

the client inquires the balance of the digital gift certificate and the corresponding merchant condition through a digital gift certificate customer service center based on NFR according to the received digital gift certificate;

based on the verified digital gift certificate, the client can seek services or products from the issuer if the client has a sufficient balance of the digital gift certificate; when the digital gift certificate is changed into a service or a product, after the client agrees to receive the proper service or product, the client instructs a bank or a financial institution or an NFR-based digital gift certificate customer service center to transfer the corresponding funds from the escrow account of the bank to the bank account of the merchant, so that one digital gift certificate uses all the funds; the bank or financial institution can settle accounts with the merchant periodically or in real time; if real-time settlement is required, the bank or financial institution needs to prevent errors using the blockchain system. After all the digital gift certificates are used up, most of funds purchased by the customers are transferred to the bank account of the merchant one by one, and the rest of funds are transferred to related units to be management cost;

for unused digital gift certificates, a customer carries out transaction on the unused digital gift certificates, one digital gift certificate is sold, the digital gift certificates are transferred to a digital gift certificate transaction center based on NFR, and the digital gift certificate transaction center based on NFR transfers the digital gift certificates to a bank account of the customer after receiving funds;

(3) an operational procedure for a bank or financial institution comprising:

after the bank or financial institution receives the funds for purchasing the digital gift certificate, a small part of the funds are used for purchasing insurance or preparing corresponding reserve payment, and if the related institution is closed or the merchant is closed or the logistics is in trouble, the bank or financial institution can ask the insurance company for insurance loss money and pay the loss of the client, the merchant, the logistics party or the platform party by using the insurance loss money or the reserve payment money;

after the customer notifies the bank or financial institution each time the customer receives the service or product, the bank or financial institution transfers the corresponding fund to the corresponding merchant; the bank or the financial institution settles accounts for one time or in real time with the merchant; if real-time settlement is required, the merchant must be on the blockchain system of the bank or financial institution;

(4) the operation flow of the NFR-based digital gift certificate verification center comprises the following steps:

the NFR-based digital gift certificate verification center verifies the legality of digital gift certificates issued by a plurality of merchants and the NFR-based digital gift certificate issuing platform;

the NFR-based digital gift certificate verification center answers the customer's consultation on whether the held digital gift certificate is authentic;

(5) the operation flow of the NFR-based digital gift certificate transaction platform comprises the following steps:

the digital gift certificate trading platform based on the NFR receives the digital gift certificate sent by a client or the digital gift certificate sent by the digital gift certificate issuing platform based on the NFR, and the following operations are carried out: 1) verifying whether the digital gift certificate really exists; 2) verifying whether the digital gift certificate has a lowest balance; 3) Publishing the digital gift certificate and selling price; 4) if the client is willing to buy, the conversion of the digital gift certificate is carried out;

after the transaction is successful, the digital gift certificate transaction platform based on the NFR informs a digital gift certificate customer service center based on the NFR, a digital gift certificate issuing platform based on the NFR and a digital gift certificate verification center based on the NFR;

(6) the operation flow of the NFR-based digital gift certificate customer service center comprises the following steps:

the NFR-based digital gift certificate customer service center provides balance information and shipment information to the inquiring customer, and provides the same to the NFR-based digital gift certificate transaction platform, the NFR-based digital gift certificate issuing platform, the merchant, the logistics, the bank or financial institution and/or the insurance company;

the customer service center stores the balance of each digital gift certificate, and each digital gift certificate is processed independently because each digital gift certificate is unique in the world; each digital gift certificate can have an own account, and each time a customer changes a service or a product, the customer service center reduces the corresponding account balance;

informing a digital gift certificate customer service center based on the NFR each time a transaction occurs on a digital gift certificate transaction platform based on the NFR;

after receiving the service and the product, the customer updates the account book and informs the bank or the financial institution of transferring to the merchant, and because the NFR-based digital gift certificate customer service center updates the information of the account book according to the information of the bank or the financial institution; the NFR-based digital gift certificate customer service center notifies a bank or a financial institution of updated account book information in real time or according to fixed time;

(7) an insurance company operational process comprising:

after receiving the deposit of the digital gift certificate, the bank or the financial institution is partially used for purchasing insurance to guarantee various possible risks of accidents and sending insurance application information to an insurance company;

after receiving the insurance information, the insurance company notifies the bank or financial institution and the NFR-based digital gift certificate customer service center of the information that the digital gift certificate has insurance guarantee;

the insurance company provides insurance business for the logistics company, and if the logistics company has problems, the insurance company guarantees the related risks;

the insurance company provides insurance information to the NFR-based digital gift certificate verification center and the NFR-based digital gift certificate customer service center, so that the client can inquire whether the digital gift certificate of the client is guaranteed;

once the risk occurs, the insurance company is responsible for settlement of the claim according to a contract with the banking or financial institution and/or the logistics company.

Preferably, the merchant further comprises the following process: borrowing money from the bank or financial institution through the digital gift certificate, comprising: the funds obtained after the merchant issues and sells the digital gift certificate enter the related bank or financial institution from the client of the merchant, and the bank or financial institution cannot transfer the funds to the merchant because the customer has not been served or has taken the product; but the merchant may loan and pay bank or financial institution interest to purchase raw materials, produce products after processing, and provide them to customers; when the customer receives the service or product, the bank reduces the amount of the merchant's loan at the bank and the amount of interest the merchant needs to pay the bank is reduced.

Preferably, the NFR issuance rule to which the digital gift certificate conforms includes: 1) once the volume of issue is decided, it is not possible to increase the volume of issue in any case; 2) the rights associated with the digital gift certificates may be increased; 3) issuing digital gift certificates by adopting a real-name system; 4) the merchant's ability to vouch for the customer may be assured.

Preferably, the step (3) adopts block chain settlement, the block chain settlement can be real-time or delayed, and different block chain-based settlement systems are adopted by banks or financial institutions.

Preferably, in the step (3), the bank or the financial institution cannot return the remaining balance to the customer; if a customer has a digital gift certificate for a long time without a redemption service or product, the bank or financial institution may make the following choices: 1) notifying the customer of the loss of the digital gift certificate; the method is applicable to the reason that the customer can not exchange the service or the product for irresistible reason; since the digital gift certificate is issued through the NFR, if the digital gift certificate is lost, the digital gift certificate can be re-issued using the NFR protocol, and the balance must be correct; 2) And transferring the digital gift certificate to a legal inheritor or a public institution through a legal process.

Preferably, the step (4) of verifying the validity of the digital gift certificates issued by the NFR-based digital gift certificate verification center and multiple merchants by the NFR-based digital gift certificate issuing platform is implemented by one or more big data platforms.

Preferably, the NFR-based digital gift certificate transaction platform can use a traditional centralized platform to perform transactions or use a blockchain system to perform transactions, and meanwhile, the NFR-based digital gift certificate customer service center and the NFR-based digital gift certificate verification center are used as one node of the blockchain; if the digital gift certificate customer service center based on the NFR, the digital gift certificate verification center based on the NFR and the digital gift certificate transaction platform based on the NFR are in the same blockchain system, the same information can be automatically obtained; the NFR-based digital gift certificate customer service center can have a block chain system of its own, can also use the block chain system of the NFR-based digital gift certificate issuing platform, or the block chain system of a participating bank or financial institution, but does not have the block chain system of its own; the NFR-based digital gift certificate customer service center necessarily requires a large data platform and stores critical data within its own blockchain system, the blockchain system of the NFR-based digital gift certificate issuing platform, or the blockchain system of the banking institute financial institution.

A second aspect of the present invention provides an NFR-based digital gift certificate transaction system for a transaction of a digital gift certificate of a customer and a merchant, comprising:

an NFR-based digital gift certificate issuing platform for digital gift certificate issuers to issue digital gift certificates, the NFR-based digital gift certificate issuing platform being one or more of to provide services to a plurality of the digital gift certificate issuers, in cooperation with a plurality of NFR-based digital gift certificate transaction platforms, a plurality of digital gift certificate verification centers, a plurality of NFR-based digital gift certificate customer uniforms, a plurality of banks or financial institutions, a plurality of insurance companies, and a plurality of logistics companies;

the NFR-based digital gift certificate trading platform is used for trading the digital gift certificates on the digital gift certificate trading platform side, and one or more NFR-based digital gift certificate trading platforms cooperate with a plurality of merchants, a plurality of NFR-based digital gift certificate issuing platforms, a plurality of NFR-based digital gift certificate customer service centers, a plurality of banks or financial institutions, a plurality of insurance companies and a plurality of logistics companies;

one or more NFR-based digital coupon service centers; when the NFR-based digital gift certificate customer service center is cooperated with a merchant, the NFR-based digital gift certificate customer service center is a special customer service unit of the merchant; in the case that the NFR-based digital gift certificate customer service center cooperates with a plurality of merchants, the NFR-based digital gift certificate customer service center is responsible for the customer service of the digital gift certificates of the plurality of merchants; the NFR-based digital gift certificate customer service center cooperates with a plurality of merchants, a plurality of NFR-based digital gift certificate issuing platforms, a plurality of NFR-based digital gift certificate transaction platforms, a plurality of banks or financial institutions, a plurality of insurance companies and a plurality of logistics companies;

the system comprises one or more NFR-based digital gift certificate verification centers, one or more NFR-based digital gift certificate issuing platforms, one or more NFR-based digital gift certificate customer service centers, one or more banks or financial institutions, one or more insurance collaborations and one or more logistics companies;

a bank or financial institution for receiving money, escrowing funds and/or paying merchants, the bank or financial institution participating in the system being a plurality of; the bank or financial institution cooperates with a plurality of merchants, a plurality of NFR-based digital gift certificate issuing platforms, a plurality of NFR-based digital gift certificate transaction platforms, a plurality of banks or financial institutions, and a plurality of logistics companies;

an insurance company for securing interests of customers of the digital gift certificates, the insurance company being a plurality of families; the insurance company and a plurality of merchants, a plurality of NFR-based digital gift certificate issuing platforms, a plurality of NFR-based digital gift certificate transaction platforms, a plurality of NFR-based digital gift certificate customer service centers, a plurality of banks or financial institutions and a plurality of logistics companies cooperate;

a logistics company for transporting goods corresponding to the digital gift certificates and informing banks or financial institutions of depositing money, the logistics company being a plurality of families; the logistics company cooperates with a plurality of merchants, a plurality of NFR-based digital gift certificate issuing platforms, a plurality of NFR-based digital gift certificate transaction platforms, a plurality of NFR-based digital gift certificate customer service centers, a plurality of banks or financial institutions, and other logistics companies; and

and the supervision unit is used for supervising the merchants, the digital gift certificate issuing platform party, the digital gift certificate transaction platform party, the customer service, the verification center, the logistics, the bank or financial institution and the insurance company.

A third aspect of the invention provides an electronic device comprising a processor and a memory, the memory storing a plurality of instructions, the processor being configured to read the instructions and to perform the method according to the first aspect.

A fourth aspect of the invention provides a computer readable storage medium storing a plurality of instructions readable by a processor and performing the method of the first aspect.

The invention has the beneficial effects that:

1. for risk 1, the digital gift certificate is difficult to forge: the customer, the merchant, the bank, the exchange, the logistics and the customer service can find whether the digital gift certificate is forged or not through the verification center; and the digital gift certificate uses NFR protocol, and uses a multi-blockchain system to maintain the digital gift certificate, thereby ensuring that the digital gift certificate is real. The digital gift certificate also has a digital identity card of the digital gift certificate, so that the uniqueness of the digital gift certificate is guaranteed. The authenticity of a digital gift certificate can be determined in all processes, all entities or individuals. Thus, the merchant does not need to pay out the service or give the product to the customer or unit holding the fake digital gift certificate;

2. for risk 2, it is very difficult for the merchant to have fraud: if the merchant does not want to honor the rights and interests on the digital gift certificate, or the merchant intentionally provides low-quality service or products, the customer does not inform the customer service, so that the customer service does not inform the bank to pay the merchant, and the rights and interests of the customer are guaranteed;

3. for risk 3, avoid loss caused by merchant failure to close: even if the merchant is unable to provide the corresponding service, the customer is not lost because funds are present in the escrow bank. Even if the bank has problems, the insurance company is used as a backup support;

4. for risk 4, the customer, because of moving or other factors, may retain the legacy digital gift certificate rights: in this case, the customer can sell the digital gift certificate at the exchange, and get the balance on the digital gift certificate, so that the customer gets little actual loss. Since the purchase will be open, the available funds and the remaining balance will not be consistent, but a partial balance is obtained to prevent large losses as a better result.

5. For risk 5, the loss caused by incomplete logistics is avoided: the customer does not have any loss because the customer has not notified the bank to pay; the merchant has already delivered the goods, but the loss is responsible for logistics, and the logistics company is responsible for paying the loss of the merchant.

6. For risk 6, avoid merchant losses due to customer fraud: the merchant delivers the digital gift certificate contract, but the customer receives the product but does not receive the product, and the merchant receives the actual loss. The bank can investigate this as the logistics bureau will report the delivery situation to the bank. If the merchant is on schedule and there is logistics to confirm the delivery, the bank can force payment to the merchant.

7. As for risk 7, a real-name system is required for issuing the digital gift certificates, and the transfer of the digital gift certificates is also the real-name system, so that if the non-compliance behavior of the third party for resale occurs, the exchange and the verification center can quickly find out which customers frequently resale large batches of digital gift certificates and which third parties frequently sell digital gift certificates with lower actual prices; upon discovery, the supervising entity can track these customers or entities and non-compliant third parties will not be able to continue to trade digital coupons.

The above and other objects, advantages and features of the present invention will become more apparent to those skilled in the art from the following detailed description of specific embodiments thereof, taken in conjunction with the accompanying drawings.

Drawings

Some specific embodiments of the invention will be described in detail hereinafter, by way of illustration and not limitation, with reference to the accompanying drawings. The same reference numbers in the drawings identify the same or similar elements or components. Those skilled in the art will appreciate that the drawings are not necessarily drawn to scale. The objects and features of the present invention will become more apparent in view of the following description taken in conjunction with the accompanying drawings, in which:

fig. 1 is a flowchart of a method for transacting an NFR-based digital gift certificate according to a preferred embodiment of the present invention.

Fig. 2 is a diagram of the architecture of a NFR-based digital gift certificate transaction system according to a first preferred embodiment of the present invention.

Fig. 3 is a diagram of the architecture of a NFR-based digital gift certificate transaction system according to a second preferred embodiment of the present invention.

Fig. 4 is a schematic structural diagram of an embodiment of an electronic device provided in the present invention.

Detailed Description

In order to make the present invention more comprehensible with respect to its gist, the present invention will be further described with reference to the accompanying drawings and examples. In the following description, numerous specific details and specific examples are set forth in order to provide a more thorough understanding of the present invention and to provide a thorough understanding of the present invention. While this invention is susceptible of embodiment in many different forms than that described herein, there will be many equivalents to those skilled in the art which incorporate such variations and modifications without departing from the spirit and scope of the invention as defined by the appended claims and their equivalents.

In the following description, numerous specific details and specific examples are set forth in order to provide a more thorough understanding of the present invention and to provide a thorough understanding of the present invention. While this invention is susceptible of embodiment in many different forms than that described herein, there will be many equivalents to those skilled in the art which incorporate such variations and modifications without departing from the spirit and scope of the invention as defined by the appended claims and their equivalents.

In the preferred embodiment of the present invention, the digital gift certificate is not digital currency, nor digital assets, but rather is a voucher for rights and interests, so that the digital gift certificate cannot be exchanged for cash from the merchant. In the present invention, the digital gift certificate is an NFR, which represents a world-unique tag, and no other NFR has the same attribute. Each digital gift certificate has its own special interest which can only be increased or not be decreased according to a predetermined date, but not decreased. The digital gift certificate can be transferred and traded, and corresponding customer service can be obtained. For example, a restaurant issues digital coupons, and holding a digital coupon can consume 200 dollars in that restaurant within 2 years. The customer holding the digital gift certificate can be consumed by the restaurant before the date is expired. If the customer leaves the city and cannot continue consuming at the restaurant, the digital gift certificate can be sold. For example, the digital gift certificate also has 120 yuan, which can be bought in the market with 100 yuan, so that the next client can enjoy the digital gift certificate. Thus, the digital gift certificate can be popular in the market, and the commercial activity is promoted.

Referring to fig. 1, the present embodiment provides a transaction method of an NFR-based digital gift certificate transaction system, including:

determining NFR issuance rules to be followed for issuing digital coupons includes: 1) once the volume of issue is decided, it is not possible to increase the volume of issue in any case; 2) the rights associated with the digital gift certificates may be increased; 3) issuing digital gift certificates by adopting a real-name system; 4) the merchant can guarantee the rights and interests of the client, for example, the rights and interests of the client are guaranteed through mechanisms such as insurance purchase and the like;

(2) the operation flow of the client comprises the following steps:

the client pays the merchant to purchase the digital gift certificate or obtains the digital gift certificate in a free gift mode; for free digital coupons, the customer does not need to pay; for purchasing the obtained digital gift certificate, the purchased funds are not directly delivered to the merchant, but delivered to the bank or financial institution; or as a preferred embodiment, the customer purchases the digital gift certificate from the transaction platform instead of directly from the issued merchant, and before purchasing, whether the digital gift certificate is real or not and credit investigation data of the merchant issuing the digital gift certificate are verified by the NFR-based digital gift certificate verification center; inquiring whether balance is left by a NFR-based digital gift certificate customer service center;

based on the verified digital gift certificate, the client can seek services or products from the issuer if the client has a sufficient balance of the digital gift certificate; when the digital gift certificate is changed into a service or a product, after the client agrees to receive the proper service or product, the client instructs a bank or a financial institution or an NFR-based digital gift certificate customer service center to transfer the corresponding funds from the escrow account of the bank to the bank account of the merchant, so that one digital gift certificate uses all the funds; the bank or financial institution may settle the transaction with the merchant periodically (e.g., a one-day, one-week, or one-month settlement), or may settle the transaction in real time. If real-time settlement is required, the bank or financial institution needs to prevent errors using the blockchain system. After all the digital gift certificates are used up, most of funds purchased by the customers are transferred to the bank account of the merchant one by one, and the rest of funds are transferred to related units to be management cost;

for unused digital gift certificates, a customer deals with the unused digital gift certificates, one digital gift certificate is sold, the digital gift certificates are transferred to a digital gift certificate trading center based on NFR, and the digital gift certificate trading center based on NFR receives funds and transfers the funds to a bank account of the customer.

At the moment, the merchant does not need to have a block chain technology or a technology with the digital gift certificate, the technology can be completely issued by the platform, and the merchant does not need to trust the platform because of the verification center to check the platform.

(3) An operational procedure for a bank or financial institution comprising:

after the bank or financial institution receives the funds for purchasing the digital gift certificate, a small part of the funds is used for purchasing insurance or preparing corresponding reserve payment, and if the relevant institution, such as the NFR-based digital gift certificate issuing platform, or the merchant, or logistics, has a problem, the bank or financial institution can ask the insurance company for the insurance loss money and use the insurance loss money or reserve payment money to pay the loss of the client, the merchant, the logistics party or the platform party;

every time a customer receives a service or a product, the customer informs a bank or a financial institution, and the bank or the financial institution transfers corresponding funds to a corresponding merchant; similarly, the bank or financial institution may settle with the merchant on a daily basis, or once a week, or in real time. If real-time settlement is required, the merchant must be on the blockchain system of the bank or financial institution; in a preferred embodiment, the blockchain calculation may be real-time or delayed, and different blockchain-based accounting systems may be used by the bank or financial institution.

As a preferred embodiment, the bank or financial institution cannot credit the remaining balance to the customer. If a customer holds a digital coupon very long without a redemption service or product. The bank or financial institution may make several choices: 1) notifying the client of the loss of the digital gift certificate; the method is applicable to the reason that the customer can not exchange the service or the product for irresistible reason; since the digital gift certificate is issued through the NFR, if the digital gift certificate is lost, the digital gift certificate can be re-issued using the NFR protocol, and the balance must be correct; 2) And transferring the digital gift certificate to a legal inheritor or a public institution through a legal process.

the NFR-based digital gift certificate verification center verifies the legality of digital gift certificates issued by a plurality of merchants and the NFR-based digital gift certificate issuing platform; because the number of merchants is very large and many digital coupons can be issued, the data volume of the verification center is very large, and one or more large data platforms are needed to solve the problems of calculation and storage;

the NFR-based digital gift certificate verification center answers a consultation on whether the held digital gift certificate is authentic or not;

the digital gift certificate trading platform based on the NFR receives the digital gift certificate sent by a client or the digital gift certificate sent by the digital gift certificate issuing platform based on the NFR, and the following operations are carried out: 1) verifying whether the digital gift certificate really exists; 2) verifying that the digital gift certificate has a minimum balance (e.g., minimum 10 dollars); 3) Publishing the digital gift certificate and selling price; 4) if a client is willing to buy, the conversion of the digital gift certificate is carried out, and because the digital gift certificate adopts NFR, the conversion procedure is a complex flow;

after the transaction is successful, the NFR-based digital gift certificate transaction platform notifies the NFR-based digital gift certificate customer service center, the NFR-based digital gift certificate issuing platform and the NFR-based digital gift certificate verification center.

As a preferred embodiment, the NFR-based digital gift certificate trading platform can trade by using a traditional centralized platform, and the trading platform is fast; but the NFR-based digital gift certificate transaction platform can also use the blockchain system to perform transactions, and other units are also one node of the blockchain at the same time, such as the NFR-based digital gift certificate customer service center and the NFR-based digital gift certificate verification center. The same information can be automatically obtained if the NFR-based digital gift certificate customer service center, the NFR-based digital gift certificate verification center and the NFR-based digital gift certificate transaction platform are in the same blockchain system.

the customer service center stores the balance of each digital gift certificate, and each digital gift certificate is individually processed because it is world-unique. Each digital gift certificate can have its own account, and each time a customer changes a service or a product, the customer service center reduces the corresponding account balance

after receiving the service and the product, the customer updates the account book and informs the bank or the financial institution of transferring to the merchant, and because the NFR-based digital gift certificate customer service center updates the information of the account book according to the information of the bank or the financial institution; the NFR-based digital gift certificate service center notifies banks or financial institutions of updated ledger information in real time or at fixed times.

As a preferred embodiment, the NFR-based digital gift certificate customer service center may have its own blockchain system, may use the blockchain system of the NFR-based digital gift certificate issuing platform, or may participate in the blockchain system of a bank or a financial institution without having its own blockchain system. But NFR-based digital gift certificate customer service centers necessarily require large data platforms and store critical data within their own blockchain system, the blockchain system of the NFR-based digital gift certificate issuing platform, or the blockchain system of banking financial institutions.

(7) An insurance company operational process comprising:

after receiving the deposit of the digital gift certificate, the bank or the financial institution partially purchases insurance to guarantee various possible accident risks and sends insurance application information to an insurance company;

alternatively, the insurance company provides insurance services to the logistics company, and if the logistics company has a problem, the insurance company guarantees the related risks;

once the risk occurs, the insurance company is responsible for settlement of the claim according to the contract with the banking or financial institution and the logistics company.

As a preferred embodiment, the merchant further includes the following processes: borrowing money from the bank or financial institution through the digital gift certificate, comprising: the funds obtained after the merchant issues and sells the digital gift certificate enter the related bank or financial institution from the client of the merchant, and the bank or financial institution cannot transfer the funds to the merchant because the customer has not been served or has taken the product; the merchant may loan and pay bank or financial institutions interest to purchase raw materials, process them to produce products, and provide them to customers. When the customer receives the service or product, the bank reduces the amount of the merchant's loan at the bank and the amount of interest the merchant needs to pay the bank is reduced.

The bank loan is easier to process because the funds should be given to the merchant after the merchant completes the service. But the bank can still purchase insurance in case the merchant accidentally or inadvertently closes over and fails to provide service or product to the customer, which the bank can claim by the insurance company.

Referring to fig. 2 to 3, the present embodiment provides an NFR-based digital gift certificate transaction system for a transaction of a digital gift certificate between a customer and a merchant, including:

the NFR-based digital gift certificate verification center is generally one and is easier to implement, but in other cases, a plurality of NFR-based digital gift certificate verification centers may be provided to serve a plurality of merchants, cooperate with a plurality of NFR-based digital gift certificate issuing platforms, a plurality of NFR-based digital gift certificate customer service centers, a plurality of banks or financial institutions, a plurality of insurance partners, and a plurality of logistics companies. If information of different digital coupons is stored in a plurality of NFR-based digital coupon verification centers, synchronous consensus may not be performed; however, if the same digital gift certificate information is stored in two NFR-based digital gift certificate verification centers, the two verification centers must perform synchronous consensus, and the synchronous consensus adopts different consensus protocols, such as the consensus algorithm of the protocols of the byzantine general; the two digital gift certificate verification centers are not preferred because the data sharing needs complex management processes; since there may be multiple publishing platforms, these platforms may cooperate with the verification center, which may be multiple. It is necessary for a merchant to issue digital gift certificates uniquely and most easily, only one verification center processes the series of digital gift certificates. If two or more verification centers participate, the verification centers also need to maintain relevant data consistency. A merchant may issue multiple different digital coupons on different issuing platforms, but only one issuing platform is available for each issue.

an insurance company for securing the interests of the customers of the digital gift certificates, wherein in a preferred embodiment, if the merchant closes over, the customers can take back part of the funds for purchasing the digital gift certificates, and the insurance company is a plurality of companies; the insurance company and a plurality of merchants, a plurality of NFR-based digital gift certificate issuing platforms, a plurality of NFR-based digital gift certificate transaction platforms, a plurality of NFR-based digital gift certificate customer service centers, a plurality of banks or financial institutions and a plurality of logistics companies cooperate;

As a preferred embodiment, the NFR-based digital gift certificate verification center can also serve as an NFR-based digital gift certificate customer service center. In this case, the NFR-based digital gift certificate verification center performs the authentication of the digital gift certificate and also performs the customer service of the digital gift certificate.

In a preferred embodiment, the number of the banks or financial institutions is only one, the digital gift certificate is cooperated with only one bank, and one bank is responsible for all the money coming and going of one digital gift certificate. Under the condition that a plurality of banks participate, the data can be synchronously recognized by the plurality of banks, the operation is theoretically feasible, but the operation is more inconvenient than that of one bank.

In a preferred embodiment, the number of the administration units is multiple, where each administration unit is only responsible for administering part of the services related to the digital gift certificate, and multiple administration units cooperate to complete all administration work related to the digital gift certificate. For example, some monitoring units are only responsible for the transaction of the digital gift certificates, some monitoring units are only responsible for monitoring merchants, some monitoring units are only responsible for monitoring the digital gift certificate issuing platform, and some monitoring units are only responsible for monitoring customer service; or only one supervision unit is set by the supervision unit and is used for supervising all related services and functions of the digital gift certificate.

In a preferred embodiment, the merchant may issue different digital coupons on different NFR-based digital coupon issuing platforms, but one digital coupon is issued on only one of the NFR-based digital coupon issuing platforms.

In a preferred embodiment, after a digital gift certificate is issued, the transaction is carried out on one or more NFR-based digital gift certificate transaction platforms, and the transaction is served at one or more NFR-based digital gift certificate customer service centers, but only authenticated at one NFR-based digital gift certificate verification center. This is because each digital gift certificate is independent, and therefore needs to be processed separately for each digital gift certificate, and sharing data in multiple verification centers requires a complicated management process, and thus is not a preferred embodiment.

As a preferred embodiment, an NFR-based digital gift certificate issuing platform may have its own NFR-based digital gift certificate issuing platform verification center to perform authentication of the digital gift certificate instead of the NFR-based digital gift certificate verification center; or the authentication of the digital gift certificate is carried out by the verification center based on the own NFR-based digital gift certificate issuing platform and the verification center based on the external NFR;

an NFR-based digital gift certificate transaction platform may have its own NFR-based digital gift certificate transaction platform verification center in place of the NFR-based digital gift certificate verification center for authentication of the digital gift certificate; or the authentication of the digital gift certificate is carried out by the cooperation of the own NFR-based digital gift certificate transaction platform verification center and an external NFR-based digital gift certificate verification center.

Preferably, the merchant provides the digital gift certificate to its own service or outsources the service to one or more NFR-based digital gift certificate service centers. Similarly, if there are multiple NFR-based digital gift certificate service centers, multiple NFR-based digital gift certificate service systems need to go through a consensus mechanism to ensure data consistency in each service scenario.

As a preferred embodiment, when the merchant does not want to place the money obtained by selling the digital gift certificates in the bank or financial institution but directly into the merchant's own bank account, there is a risk that the merchant may intentionally issue a large number of digital gift certificates and take the money away, and then the closing company no longer provides the service. The illegal merchants can make business again in other places and reissue a lot of digital coupons to run after making money. Unless the merchant is a good business, otherwise the funds to insist on selling the digital gift certificates must be placed in a bank or financial institution.

As a preferred embodiment, the bank or financial institution may not buy insurance and, in the event that insurance is not bought, the bank or financial institution needs a reimbursement in preparation for all situations that may occur with a wind accuse.

The invention also provides a memory storing a plurality of instructions for implementing the method of embodiment one.

As shown in fig. 4, the present invention also provides an electronic device, which includes a processor 301 and a memory 302 connected to the processor 301, wherein the memory 302 stores a plurality of instructions, and the instructions can be loaded and executed by the processor to enable the processor to execute the method according to the embodiment.

The implementation of this embodiment is such that:

3. for risk 3, avoid the loss caused by the failure of closing the merchant: even if the merchant is unable to provide the corresponding service, the customer is not lost because funds are present in the escrow bank. Even if the bank has problems, the insurance company is used as a backup support;

5. For risk 5, the loss caused by incomplete logistics is avoided: the customer does not have any loss because the customer does not inform the bank to pay; the merchant has already delivered the goods, but the loss is responsible for logistics, and the logistics company is responsible for paying the loss of the merchant.

While the present invention has been described with reference to the particular illustrative embodiments, it is not to be restricted by the embodiments but only by the appended claims. It will be understood by those skilled in the art that variations and modifications of the embodiments of the present invention can be made without departing from the scope and spirit of the invention.

Claims

1. A method for trading NFR-based digital gift certificates, comprising:

(2) the operation flow of the client comprises the following steps:

the client obtains the digital gift certificate by paying for the digital gift certificate or giving away the digital gift certificate for free to the merchant; for free digital coupons, the customer does not need to pay; for purchasing the obtained digital gift certificate, the purchased funds are not directly delivered to the merchant, but delivered to the bank or financial institution; or as a preferred embodiment, the customer purchases the digital gift certificate from the transaction platform instead of directly from the issued merchant, and before purchasing, whether the digital gift certificate is real or not and credit investigation data of the merchant issuing the digital gift certificate are verified by the NFR-based digital gift certificate verification center; inquiring whether balance is left by a NFR-based digital gift certificate customer service center;

based on the verified digital gift certificate, the client can seek services or products from the issuer if the client has a sufficient balance of the digital gift certificate; when the digital gift certificate is changed into a service or a product, after a client agrees to receive the proper service or product, the client instructs a bank or a financial institution or a digital gift certificate customer service center based on NFR to transfer the corresponding funds from the escrow account of the bank to the bank account of the merchant, so that one digital gift certificate is used for all the funds; the bank or financial institution can settle accounts with the merchant periodically or in real time; if real-time settlement is carried out, the bank or the financial institution needs to use the blockchain system to prevent errors;

after all the digital gift certificates are used up, most of funds purchased by the customers are transferred to the bank account of the merchant one by one, and the rest of funds are transferred to related units to be management cost;

(3) an operational procedure for a bank or financial institution comprising:

after the bank or financial institution receives the funds for purchasing the digital gift certificate, a small part of the funds is used for purchasing insurance or preparing corresponding reserve payment, and if the relevant institution is closed or the merchant is closed or the logistics is in trouble, the bank or financial institution can ask the insurance company for insurance loss money and pay the loss of the customer, the merchant, the logistics party or the platform party by using the insurance loss money or the reserve payment money;

(5) the operation flow of the NFR-based digital gift certificate trading platform comprises the following steps:

(7) an insurance company operational process comprising:

2. The NFR-based digital gift certificate transaction method of claim 1, wherein the merchant further comprises the following process: borrowing money from the bank or financial institution through the digital gift certificate, comprising: the funds obtained after the merchant issues and sells the digital gift certificate enter the related bank or financial institution from the client of the merchant, and the bank or financial institution cannot transfer the funds to the merchant because the customer has not been served or has taken the product; but the merchant can loan and pay bank or financial institutions interest to purchase raw materials, produce products after processing, and provide them to customers; when the customer receives the service or product, the bank reduces the amount of the merchant's loan at the bank and the amount of interest the merchant needs to pay the bank is reduced.

3. The method of claim 1, wherein the NFR issuance rule followed by the digital gift certificate includes: 1) once the volume of issue is decided, it is not possible to increase the volume of issue in any case; 2) the rights associated with the digital gift certificates may be increased; 3) issuing digital gift certificates by adopting a real-name system; 4) the merchant's ability to vouch for the customer may be assured.

4. The NFR-based digital gift certificate transaction method of claim 1, wherein the step (3) employs block chain settlement, the block chain settlement can be real-time or delayed, and the bank or financial institution employs a different block chain-based settlement system.

5. The method according to claim 1, wherein in step (3), the bank or financial institution cannot return the remaining balance to the client; if a customer has a digital gift certificate for a long time without a redemption service or product, the bank or financial institution may make the following choices: 1) notifying the customer of the loss of the digital gift certificate; the method is applicable to the reason that the customer can not exchange the service or the product for irresistible reason; since the digital gift certificate is issued through the NFR, if the digital gift certificate is lost, the digital gift certificate can be re-issued using the NFR protocol, and the balance must be correct; 2) And transferring the digital gift certificate to a legal inheritor or a public institution through a legal process.

6. The NFR-based digital gift certificate transaction method as defined in claim 1, wherein the step (4) of the NFR-based digital gift certificate validation center validating the validity of the digital gift certificates issued by the NFR-based digital gift certificate issuance platform and the multiple merchants through one or more big data platforms.

7. The NFR-based digital gift certificate transaction method of claim 1, wherein the NFR-based digital gift certificate transaction platform can use a traditional centralized platform to transact or use a blockchain system to transact, while taking the NFR-based digital gift certificate customer service center and the NFR-based digital gift certificate verification center as one node of a blockchain; if the digital gift certificate customer service center based on the NFR, the digital gift certificate verification center based on the NFR and the digital gift certificate transaction platform based on the NFR are in the same blockchain system, the same information can be automatically obtained; the NFR-based digital gift certificate customer service center can have a block chain system of its own, can also use the block chain system of the NFR-based digital gift certificate issuing platform, or the block chain system of a participating bank or financial institution, but does not have the block chain system of its own; the NFR-based digital gift certificate customer service center necessarily requires a large data platform and stores critical data within its own blockchain system, the blockchain system of the NFR-based digital gift certificate issuing platform, or the blockchain system of the banking institute financial institution.

8. A NFR-based digital gift certificate transaction system for implementing the transaction method of any one of claims 1 to 7, wherein the transaction system for digital gift certificates of customers and merchants comprises:

a NFR-based digital gift certificate transaction platform for transacting the digital gift certificates at a digital gift certificate transaction platform side, the NFR-based digital gift certificate transaction platform being one or more in cooperation with a plurality of merchants, a plurality of NFR-based digital gift certificate issuance platforms, a plurality of NFR-based digital gift certificate customer service centers, a plurality of banks or financial institutions, a plurality of insurance companies, and a plurality of logistics companies;

9. An electronic device comprising a processor and a memory, the memory storing a plurality of instructions, the processor being configured to read the instructions and execute the transaction method of claims 1-7.

10. A computer-readable storage medium storing a plurality of instructions readable by a processor and performing the method of claims 1-7.