CN114723500A - Multi-chain system cooperation architecture for NFR digital transaction - Google Patents
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Abstract
The invention provides a multi-chain system cooperation architecture, which is used for carrying out electronic-based transaction of customers and merchants based on a multi-block chain architecture system, wherein the multi-chain system cooperation architecture comprises a plurality of organizations, each organization is provided with an independent block chain system, the multi-block chain systems form the multi-chain system cooperation architecture to ensure that the plurality of organizations do not cheat in the transaction based on re-electronic, and the multi-chain system cooperation architecture comprises: the electronic transaction method issuing platform comprises an issuing platform block chain system, and a plurality of nodes in other organizations participate in voting of the issuing platform block chain system; the system comprises an electronic transaction means authentication center comprising an authentication center block chain system, wherein the authentication center block chain system is used for tracking electronic transaction means issued on different issuing platforms; and the electronic transaction means transaction platform comprises a transaction platform blockchain system, and the transaction of the electronic transaction means and the transaction based on the electronic transaction means are completed through the transaction platform blockchain system.
Description
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 inter-link networks, and particularly relates to a multi-chain system cooperation architecture for NFR digital transaction.
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); a third objective is to provide governing technology and infrastructure for the meta universe. Recently, foreign NFTs have also begun to offer rights, but no mechanism or design for universal rights has been proposed yet, and the problem of rights is solved 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) can enjoy the benefits of the related copyright; 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 a prohibited digital token system, 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 application field of NFR has been expanding, however, merchants have poor control over the transaction means, since electronic transaction means can only be obtained and used via the web site or on the App, and cannot be used for transactions.
NFR-based digital transactions present the following risks:
risk (1): electronic transaction means are at risk of being counterfeited by a person: because the electronic transaction means are generally discounted, someone can illegally copy the electronic transaction means, customers spend money to purchase the fake electronic transaction means, and merchants obtain substantial loss;
risk (2): merchants may have fraudulent behavior. The method comprises the following steps: unwilling to honor the rights of the electronic transaction means, or intentionally providing low-quality services or products, the customer gets actual losses;
risk (3): the merchant may not be fraudulent, but before the electronic transaction means is not invalid, the merchant fails to close and cannot provide corresponding services, and the customer obtains actual loss;
risk (4): the customer does not use the electronic transaction means because of moving or other factors, but has spent funds to purchase the electronic transaction means, and the customer obtains actual loss;
risk (5): the merchant takes out the goods according to the electronic transaction contract, but because the logistics is not completed, the customer does not obtain the service or the product which should be obtained, and the merchant actually takes out the goods, both parties obtain the actual loss;
risk (6): the merchant takes out the goods according to the electronic trading means, but the customer receives the product but does not receive the product, and the merchant obtains the actual loss;
risk (7): the merchant gives the electronic transaction means to the appointed customer free of charge or at an extremely low price, the customer sells the electronic transaction means to a third party at a low price, and the third party immediately sells the electronic transaction means in the market at a value lower than the market value; the method belongs to the frequent non-compliance phenomenon in the market and has the characteristic of non-compliance transaction.
In fact, after the electronic transaction means is committed, cash cannot be returned, and the customer can only exchange the service or the product after taking the electronic transaction means, but cannot be changed; 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. For electronic transaction means issued in the form of digital gift certificates and the like, many merchants can issue, process and manage the electronic transaction means differently from digital artworks. Because of the huge number of enterprises that can issue electronic transaction means, the electronic transaction means needs a more rigorous management method, and the prior art has no mature multi-chain system cooperation architecture in the NFR-based electronic transaction means, and thus cannot solve the technical defects and vulnerabilities existing in any of the above.
Disclosure of Invention
"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); a third objective is to provide governing technology and infrastructure for the meta 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) can enjoy the benefits of the related copyright; 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 a prohibited digital token system, 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 NFR entitlement exchange:
(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, the certificate can be used for tracking and tracing, and the defect that a non-holder cheats in the rights and interests exchange process can occur, so that whether the NFR issuer (producer) or the NFR holder needs a safe and reliable way for protecting privacy when the NFR rights and interests are exchanged; both legal rights and interests are protected, the basis of NFR compliance is guaranteed, and rights and interests which need to be guaranteed for publicity by a publisher must be provided on time to protect consumers.
(3) The application field of NFR has been expanding, however, merchants have poor control over the transaction means, since electronic transaction means can only be obtained and used via the web site or on the App, and cannot be used for transactions.
NFR-based digital transactions present the following risks:
risk (1): electronic transaction means are at risk of being counterfeited by a person: because the electronic transaction means are generally discounted, someone can illegally copy the electronic transaction means, customers spend money to purchase the fake electronic transaction means, and merchants obtain substantial loss;
risk (2): the merchant may have fraud. The method comprises the following steps: unwilling to honor the rights of the electronic transaction means, or intentionally providing low-quality services or products, the customer gets actual losses;
risk (3): the merchant may not be fraudulent, but before the electronic transaction means is not invalid, the merchant fails to close and cannot provide corresponding services, and the customer obtains actual loss;
risk (4): the customer does not use the electronic transaction means because of moving or other factors, but has spent funds to purchase the electronic transaction means, and the customer obtains actual loss;
risk (5): the merchant takes out the goods according to the electronic transaction contract, but because the logistics is not completed, the customer does not obtain the service or the product which should be obtained, and the merchant actually takes out the goods, both parties obtain the actual loss;
risk (6): the merchant takes out the goods according to the electronic trading means, but the customer receives the product but does not receive the product, and the merchant obtains the actual loss;
risk (7): the merchant gives the electronic transaction means to the appointed customer free of charge or at an extremely low price, the customer sells the electronic transaction means to a third party at a low price, and the third party immediately sells the electronic transaction means in the market at a value lower than the market value; the method belongs to the frequent non-compliance phenomenon in the market and has the characteristic of non-compliance transaction.
In fact, after the electronic transaction means is committed, cash cannot be returned, and the customer can only exchange the service or the product after taking the electronic transaction means, but cannot be changed; 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. For electronic transaction means issued in the form of digital gift certificates and the like, many merchants can issue, process and manage the electronic transaction means differently from digital artworks. Because of the huge number of enterprises that can issue electronic transaction means, the electronic transaction means needs a more rigorous management method, and the prior art has no mature multi-chain system cooperation architecture in the NFR-based electronic transaction means, and thus cannot solve the technical defects and vulnerabilities existing in any of the above.
In order to solve one or more technical problems in the prior art, the present invention provides a multi-chain system cooperation architecture for NFR digital transaction, which is used for performing an electronic-based transaction between a customer and a merchant based on a multi-blockchain architecture system, wherein the multi-chain system cooperation architecture includes a plurality of organizations participating in the transaction, each organization has an independent blockchain system, and the plurality of blockchain systems form the multi-chain system cooperation architecture to ensure that the plurality of organizations do not cheat in the electronic-based transaction, and the multi-chain system cooperation architecture includes:
the electronic transaction means issuing platform comprises an issuing platform block chain system, a plurality of nodes in other organizations participate in voting of the issuing platform block chain system, and the plurality of nodes in the other organizations comprise a hosting bank, a financial institution, a supervision unit, a verification center, a transaction platform and/or insurance and the like; for the condition that other organizations as participants have no nodes, the electronic trading instrument can only participate in the voting of the block chain system of the issuing platform and register on the electronic trading instrument issuing platform to issue the electronic trading instrument and inquire the current situation of the electronic trading instrument; in this embodiment, for example, when a supervising unit votes each time, if it is found that an issuing merchant of an electronic transaction means may have a problem, the issuing merchant may suspend or stop issuing the electronic transaction means;
the system comprises an electronic transaction means authentication center comprising an authentication center block chain system, wherein the authentication center block chain system is used for tracking electronic transaction means issued on different issuing platforms;
and the electronic transaction means transaction platform comprises a transaction platform blockchain system, and the transaction of the electronic transaction means and the transaction based on the electronic transaction means are completed through the transaction platform blockchain system.
Preferably, the electronic transaction means issuing platform and the electronic transaction means authentication center share a first shared blockchain system, and the first shared blockchain system includes a first management blockchain system at an upper layer for separating the processing and authentication operations.
Preferably, the electronic trading means trading platform and the electronic trading means issuing platform share a second shared blockchain system, and the second shared blockchain system upper layer comprises a second management blockchain system for respectively processing trading and issuing operations.
Preferably, the electronic transaction means transaction platform uses a centralized transaction system instead of a blockchain system to complete the transaction of the electronic transaction means or the transaction based on the electronic transaction means.
Preferably, the release platform blockchain system, the authentication center blockchain system and the shared blockchain system include independent function extension modules, functions of the respective blockchain systems are extended based on the function extension modules, and the function extension modules are high-performance modules with own supervision mechanisms.
Preferably, the multi-chain system cooperation architecture is constructed based on an NFR system; the NFR system uses a multi-chain inter-link network system; the issuing platform block chain system, the authentication center block chain system and the sharing block chain system are multi-chain inter-link network systems.
Preferably, the escrow bank, financial institution, supervisory unit and/or insurance also have independent blockchain systems, respectively escrow bank blockchain system, financial institution blockchain system, supervisory unit blockchain system and/or insurance blockchain system;
preferably, the escrow bank, financial institution, supervisory unit and/or insurance shares a blockchain system with the electronic transaction instrument issuing platform, or shares a blockchain system with the electronic transaction instrument certification authority, or does not use an escrow bank blockchain system, financial institution blockchain system, supervisory unit blockchain system and/or insurance blockchain system.
Preferably, the issuing platform blockchain system, the certification authority blockchain system, the trading platform blockchain system, the escrow bank blockchain system, the financial institution blockchain system, the regulatory unit blockchain system and/or the insurance blockchain system use a multi-chain interaction protocol or a cross-chain protocol.
Preferably, the system further comprises a strsia system, the strsia system cooperates with the issuing platform blockchain system, the certification center blockchain system, the trading platform blockchain system, the escrow bank blockchain system, the financial institution blockchain system, the custody unit blockchain system and/or the insurance blockchain system to complete custody, the custody comprises: each merchant, the issuing platform and each transaction platform, no matter whether a block chain system is used or not, send the relevant data of the electronic transaction means on the system to a supervision unit or an authentication center through a STRRISA system, the relevant information of the electronic transaction means, the information of the party, the date, the time and the like, the supervision unit or the authentication center collects the information through a big data platform, and the supervision scheme is obtained after the block chain data lake is used for storing the issuing and transaction information and carrying out big data analysis.
The invention has the beneficial effects that:
1. for risk 1, electronic transaction means are difficult to forge: the client, the merchant, the bank, the exchange, the logistics and the customer service can find whether the electronic transaction means is forged or not through the verification center; and the electronic transaction means uses the NFR protocol, and a plurality of blockchain systems are used for maintaining the electronic transaction means, so that the electronic transaction means is ensured to be real. The electronic transaction means also has a digital identity card of the electronic transaction means, so that the uniqueness of the electronic transaction means is guaranteed. The authenticity of an electronic transaction instrument can be determined at all processes, all entities or individuals. Thus, the merchant does not need to pay for services or products to give customers or units with false electronic transaction means;
2. for risk 2, the merchant hardly has fraud: if the merchant does not want to honor the rights and interests of the electronic transaction means, or the merchant intentionally provides low-quality service or products, the customer cannot inform the customer service, so that the customer service cannot inform the bank of paying 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. And 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, legacy electronic trading instrument rights can be retained: in this case, the customer can sell the electronic transaction means at the exchange, get the balance on the electronic transaction means, and thus 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 goods according to the electronic transaction means, but the customer receives the product but does not receive the product, so that the merchant receives 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. For risk 7, the issuing of the electronic transaction means needs a real-name system, and the transfer of the electronic transaction means 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 a large number of electronic transaction means and which third parties frequently sell electronic transaction means 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 trading the electronic trading instrument.
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 upon consideration of the following description taken in conjunction with the accompanying drawings, in which:
fig. 1 is a diagram of a transaction system architecture for NFR-based digital coupons under a multi-chain system collaboration architecture for NFR digital transactions according to a first preferred embodiment of the present invention.
Fig. 2 is a diagram of a transaction system architecture for NFR-based digital coupons under a multi-chain system collaboration architecture for NFR digital transactions, in accordance with a second preferred embodiment of 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 details and specific examples have been set forth, such examples being provided for a more thorough understanding of the present invention and to convey the invention to those skilled in the art a full and enabling understanding. 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.
A multi-chain system collaboration architecture for NFR digital transactions for conducting electronic-based transactions between customers and merchants based on a multi-blockchain architecture system, wherein the multi-chain system collaboration architecture includes participation of a plurality of institutions, each institution having its own independent blockchain system, the multi-blockchain systems forming the multi-chain system collaboration architecture to ensure that no cheating occurs in the electronic-based transactions of the plurality of institutions, the multi-chain system collaboration architecture comprising:
the electronic transaction means issuing platform comprises an issuing platform block chain system, a plurality of nodes in other organizations participate in voting of the issuing platform block chain system, and the plurality of nodes in the other organizations comprise a hosting bank, a financial institution, a supervision unit, a verification center, a transaction platform and/or insurance and the like; in the case where there is no node as a participant in the remaining institutions, the voting of the issue platform block chain system cannot be participated, and only the registration on the electronic transaction means issue platform, the issuance of an electronic transaction means (for example, an electronic gift certificate, a digital gift certificate, or the like in the present embodiment), and the inquiry of the current situation of the electronic transaction means (for example, an electronic gift certificate, a digital gift certificate, or the like in the present embodiment) can be participated; in this embodiment, for example, each time the supervising unit votes, if it finds that the issuing merchant of the electronic transaction means may have a problem, the issuing merchant may suspend or stop issuing the electronic transaction means (e.g., an electronic gift certificate, a digital gift certificate, etc.);
the system comprises an electronic transaction means authentication center comprising an authentication center block chain system, wherein the authentication center block chain system is used for tracking electronic transaction means issued on different issuing platforms;
and the electronic transaction means transaction platform comprises a transaction platform blockchain system, and the transaction of the electronic transaction means and the transaction based on the electronic transaction means are completed through the transaction platform blockchain system.
In a preferred embodiment, the electronic transaction issuing platform and the electronic transaction certificate authority share a first shared blockchain system, and the first shared blockchain system includes a first management blockchain system at an upper layer for separating the transaction and the certificate operation.
In a preferred embodiment, the electronic trading instrument trading platform and the electronic trading instrument issuing platform share a second shared blockchain system, and the second shared blockchain system comprises a second management blockchain system at the upper layer for respectively processing trading and issuing operations.
In a preferred embodiment, the electronic trading means trading platform uses a centralized trading system instead of a blockchain system to complete the trading of the electronic trading means or the trading based on the electronic trading means.
As a preferred embodiment, since electronic transaction means such as electronic gift certificates and digital gift certificates are used in a large global system, the issuing platform blockchain system, the authentication center blockchain system and the shared blockchain system include independent function extension modules based on which the functions of the respective blockchain systems are extended, the function extension modules being high-performance modules with their own supervision mechanisms.
As a preferred embodiment, the multi-chain system cooperation architecture is constructed based on the NFR system.
As a preferred embodiment, the NFR system uses a multi-chain inter-link network system.
As a preferred embodiment, the issuing platform blockchain system, the authentication center blockchain system, and the shared blockchain system are multi-chain inter-link network systems due to:
(1) public links cannot be used in china, and therefore, the use of any public link as a row platform blockchain system, an authentication center blockchain system, and a shared blockchain system is not considered;
(2) some enterprises may use the federation chain to establish NFR and digital gift certificates, but the federation chain has no 'removability', that is, when the enterprise corresponding to the federation chain has a problem, the federation chain is closed, and the data on the federation chain subsequently loses the support of the block chain system, so that the federation chain is not used;
(3) the multi-chain system cooperation architecture is constructed based on an NFR system, the NFR system uses a multi-chain system or an inter-chain network system, and electronic transaction means also need to be used on the inter-chain network. The multi-chain system is that a plurality of chains are mutually cooperated, and due to different operation main bodies, the corresponding block chain system can not disappear because of one main body, data can not be lost, and the problem of difficult removability is solved.
(4) The structure of the inter-link network is that data is stored in a plurality of places of the network, and the fragments are encrypted, so that the data is very difficult to lose. In an inter-link network environment, even if all participating blockchain systems are lost, data can be retrieved and then the lost blockchain systems are reorganized.
(5) If the multi-link system is running on an inter-link network system, data will still exist unless the entire network disappears. A more secure data protection mechanism than foreign public chains is provided. If the internet disappears (the possibility is extremely low and almost impossible), the data can be lost, but the system proposed by the inventor is safer than the foreign public link, because the data is protected by a plurality of links, and the inter-link network has an independent data protection mechanism.
In a preferred embodiment, the managed bank, financial institution, regulatory unit and/or insurance also has a separate blockchain system, respectively a managed bank blockchain system, a financial institution blockchain system, a regulatory unit blockchain system and/or an insurance blockchain system;
in a preferred embodiment, the escrow bank, financial institution, administrative unit and/or insurance share the blockchain system with the electronic transaction instrument issuing platform, or share the blockchain system with the electronic transaction instrument authentication center, or do not use the escrow bank blockchain system, financial institution blockchain system, administrative unit blockchain system and/or insurance blockchain system (in this embodiment, a database is used to establish the corresponding system, but such a system has a relatively high risk).
Preferably, the issuing platform blockchain system, the certification authority blockchain system, the trading platform blockchain system, the escrow bank blockchain system, the financial institution blockchain system, the regulatory unit blockchain system and/or the insurance blockchain system use a multi-chain interaction protocol or a cross-chain protocol.
As a preferred embodiment, a strsia system is further included, the strsia system cooperating with the issuing platform blockchain system, the certification center blockchain system, the trading platform blockchain system, the escrow bank blockchain system, the financial institution blockchain system, the custody unit blockchain system, and/or the insurance blockchain system to perform custody, the custody including: each merchant, the issuing platform and each transaction platform, no matter whether a blockchain system is used or not, send the relevant data of the electronic transaction means on the system to a supervision unit or an authentication center through a STRRISA system, and the relevant information of the electronic transaction means, the information of the party, the date, the time and the like, wherein the supervision unit or the authentication center collects the information through a big data platform, and the supervision scheme is obtained after the blockchain data lake is used for storing the issuing and transaction information and then carrying out big data analysis.
Referring to fig. 1-2, the present embodiment provides an electronic transaction means as a digital gift certificate, and a NFR-based transaction system for digital gift certificates of customers and merchants, 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 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 general of the byzang; the two digital gift certificate verification centers share data and need complex management processes, so the two digital gift certificate verification centers are not preferred to be implemented; 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.
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 banks; 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 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;
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 merchant, 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.
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. The situation that multiple banks participate in the method needs multiple banks to synchronously know the data together, and the method is theoretically feasible, but the operation is more inconvenient than that of one bank.
In a preferred embodiment, the number of the administrative units is multiple, wherein each administrative unit is responsible for only a part of the services related to the digital gift certificate, and multiple administrative units cooperate to complete all administrative tasks related to the digital gift certificate. For example, some supervision units are only responsible for the transaction of the digital gift certificates, some supervision units are only responsible for supervising merchants, some supervision units are only responsible for supervising the digital gift certificate issuing platform party, and some supervision units are only responsible for supervising 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 case of service each time.
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 digital gift certificate funds must be placed in a bank or financial institution.
As a preferred embodiment, the bank or financial institution may not purchase the insurance and, in the event that the insurance is not purchased, the bank or financial institution may need to reimburse the funds in preparation for all the conditions that may occur in the windguard.
The trading method of the NFR-based digital gift trading system comprises the following steps:
(1) the NFR-based digital gift certificate issuing platform operation flow comprises the following steps:
determining NFR issuance rules under which the digital gift certificate is issued, including: 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;
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 the digital gift certificate is issued by the NFR-based digital gift certificate issuing platform, a merchant publicizes and promotes the digital gift certificate;
(2) the operation flow of the client comprises the following steps:
the client obtains the digital gift certificate by paying to the merchant to purchase the digital gift certificate or giving away free; 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, a customer purchases a digital gift certificate from a transaction platform instead of directly from an 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; querying, by the NFR-based digital gift certificate customer service center, whether there is a balance remaining;
the customer verifies whether the received digital gift certificate is authentic through the digital gift certificate verification center, and if not, immediately notifies the bank or financial institution and requests a refund;
the customer inquires balance of the digital gift certificate and corresponding merchant condition through the NFR-based digital gift certificate customer service center according to the received digital gift certificate;
based on the verified digital gift certificate, the client can seek a service or a product 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 the bank or the financial institution or the 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 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;
and for the unused digital gift certificate, the customer carries out transaction on the unused digital gift certificate, one digital gift certificate is sold, the digital gift certificate is transferred to the NFR-based digital gift certificate transaction center, and the NFR-based digital gift certificate transaction center transfers the digital gift certificate to a bank account of the customer after receiving funds.
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) The operation flow of the bank or financial institution comprises the following steps:
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;
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; likewise, the bank or the 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; as a preferred embodiment, the blockchain calculation may be real-time or delayed, and different blockchain-based accounting systems may be used by banks or financial institutions.
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 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 certificates are issued by NFR, if a 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 welfare agency through a legal process.
(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 validity 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 of a client about whether a held digital gift certificate is authentic;
(5) the operation flow of the NFR-based digital gift certificate transaction platform comprises the following steps:
the NFR-based digital gift certificate transaction platform receives a digital gift certificate sent by a client or a digital gift certificate sent by the NFR-based digital gift certificate issuing platform, and performs the following operations: 1) verifying whether the digital gift certificate really exists; 2) verifying whether the digital gift certificate has a minimum balance (e.g., minimum 10 dollars); 3) Publishing the digital gift certificate and a 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 transaction platform can use a traditional centralized platform for transaction, which is fast; 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. 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 same information can be automatically obtained.
(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 a queried customer while providing the same to the NFR-based digital gift certificate transaction platform, the NFR-based digital gift certificate issuing platform, a merchant, logistics, a bank or financial institution and/or an insurance company;
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
Notifying the NFR-based digital gift certificate service center each time a transaction occurs at the NFR-based digital gift certificate transaction platform;
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 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; and the NFR-based digital gift certificate customer service center informs a bank or a financial institution of the updated account book information in real time or according to fixed time.
As a preferred embodiment, the NFR-based digital gift certificate service center may have its own blockchain system, may use the blockchain system of the NFR-based digital gift certificate issuing platform, or the blockchain system of the participating banks or financial institutions, 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) The operation flow of the insurance company comprises the following steps:
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;
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;
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;
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 for customers to inquire whether own digital gift certificates are guaranteed;
once the risk occurs, the insurance company takes charge of settlement of the claim according to contracts 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 merchant's interest in paying 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.
The implementation of this embodiment is such 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. The possible funds available and the remaining balance will not be consistent as a result of open purchases, but a partial balance is obtained to prevent large losses as a preferred result.
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.
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 a real-name system, so that if the third party does not conduct the re-selling, the exchange and the verification center can quickly find out which clients often reverse the sale of a large number of digital gift certificates and which third parties often sell digital gift certificates with a price lower than the real price; upon discovery, the supervising entity can track the customers or entities and the non-compliant third party will not be able to continue trading the digital coupons.
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 (10)
1. A multi-chain system collaboration architecture for NFR digital transactions for conducting an e-based transaction between a customer and a merchant based on a multi-blockchain architecture system, wherein the multi-chain system collaboration architecture includes participation by a plurality of institutions, each institution having its own independent blockchain system, the plurality of blockchain systems forming the multi-chain system collaboration architecture to secure against cheating in the e-based transaction by the plurality of institutions, the multi-chain system collaboration architecture comprising:
the electronic transaction means issuing platform comprises an issuing platform block chain system, a plurality of nodes in other organizations participate in voting of the issuing platform block chain system, and the plurality of nodes in the other organizations comprise a hosting bank, a financial institution, a supervision unit, a verification center, a transaction platform and/or insurance and the like; for the condition that other organizations as participants have no nodes, the electronic trading instrument can only participate in the voting of the block chain system of the issuing platform and register on the electronic trading instrument issuing platform to issue the electronic trading instrument and inquire the current situation of the electronic trading instrument; in this embodiment, for example, when a supervising unit votes each time, if it is found that an issuing merchant of an electronic transaction means may have a problem, the issuing merchant may suspend or stop issuing the electronic transaction means;
the system comprises an electronic transaction means authentication center comprising an authentication center block chain system, wherein the authentication center block chain system is used for tracking electronic transaction means issued on different issuing platforms;
and the electronic transaction means transaction platform comprises a transaction platform blockchain system, and the transaction of the electronic transaction means and the transaction based on the electronic transaction means are completed through the transaction platform blockchain system.
2. The multi-chain system collaboration architecture as claimed in claim 1, wherein the e-commerce transaction instrument issuing platform and the e-commerce transaction instrument authentication center share a first shared blockchain system, and the first shared blockchain system comprises a first management blockchain system at an upper layer for distributing processing and authentication operations.
3. The multi-chain system collaboration architecture as claimed in claim 1, wherein the e-trading platform and the e-trading platform share a second shared blockchain system, and the second shared blockchain system comprises a second management blockchain system at an upper layer of the second shared blockchain system for processing trading and issuing operations respectively.
4. The multi-chain system collaboration architecture for NFR digital transactions as claimed in claim 1 wherein the e-commerce transaction means transaction platform uses a centralized transaction system rather than a blockchain system to complete the e-commerce transaction means transaction or e-commerce means based transaction.
5. The multi-chain system collaboration architecture for NFR digital transactions as claimed in claim 1 wherein the distribution platform blockchain system, the authentication center blockchain system and the shared blockchain system comprise independent function extension modules based on which to extend the functions of the respective blockchain systems, the function extension modules being high performance and self-contained regulatory mechanisms.
6. The multi-chain system collaboration architecture for NFR digital transactions according to claim 1, wherein the multi-chain system collaboration architecture is built based on the NFR system; the NFR system uses a multi-chain inter-link network system; the issuing platform block chain system, the authentication center block chain system and the sharing block chain system are multi-chain inter-link network systems.
7. The multi-chain system collaboration architecture for NFR digital transactions as claimed in claim 1 wherein the hosting bank, financial institution, regulatory agency and/or insurance also have respective independent blockchain systems, respectively, hosting bank blockchain system, financial institution blockchain system, regulatory agency blockchain system and/or insurance blockchain system.
8. The multi-chain system collaboration architecture for NFR digital transactions as claimed in claim 7 wherein the escrow bank, financial institution, regulatory entity and/or insurance share a blockchain system with the electronic transaction instrument issuing platform, or share a blockchain system with the electronic transaction instrument certificate authority, or do not use an escrow bank blockchain system, financial institution blockchain system, regulatory entity blockchain system and/or insurance blockchain system.
9. The multi-chain system collaboration architecture for NFR digital transactions as claimed in claim 8 wherein the issuing platform blockchain system, authentication center blockchain system, transaction platform blockchain system, escrow bank blockchain system, financial institution blockchain system, regulatory unit blockchain system and/or insurance blockchain system uses a multi-chain interaction protocol or a cross-chain protocol.
10. The multi-chain system collaboration architecture for NFR digital transactions according to claim 9 further comprising a strsia system that completes the administration in collaboration with the issuing platform blockchain system, certification center blockchain system, trading platform blockchain system, escrow bank blockchain system, financial institution blockchain system, administration unit blockchain system and/or insurance blockchain system, the administration including: each merchant, the issuing platform and each transaction platform, whether a block chain system is used or not, send the relevant data of the electronic transaction means on the system of the merchant and the electronic transaction means to a supervision unit or an authentication center through a STRRISA system, the relevant information of the electronic transaction means, the information of parties, the date, the time and the like, the supervision unit or the authentication center collects the information through a big data platform, and the supervision scheme is obtained after big data analysis is carried out after the block chain data lake is used for storing the issuing and transaction information.
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