CN114723501B

CN114723501B - Digital gift certificate transaction system based on NFR

Info

Publication number: CN114723501B
Application number: CN202210492154.1A
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: 2023-04-21
Anticipated expiration: 2042-05-07
Also published as: CN114723501A

Abstract

The present invention provides a transaction system of digital gift certificates based on NFR, which is used for the transaction of digital gift certificates of customers and merchants, and comprises: the digital gift certificate issuing platform based on the NFR is used for issuing digital gift certificates by a digital gift certificate issuer; the digital gift certificate transaction platform based on the NFR is used for the digital gift certificate transaction platform side to transact the digital gift certificates; a digital gift certificate customer service center based on NFR, one or more; the digital gift certificate verification center based on the NFR is arranged as one or more for providing services for a plurality of merchants; a bank or financial institution for receiving funds, hosting funds, and/or paying merchants; an insurance company for securing benefits of clients of the digital gift certificates; the logistics company is used for conveying goods corresponding to the digital gift certificates and notifying banks or financial institutions to pay money, and the logistics company is a plurality of families; and the supervision unit is used for supervising merchants, digital gift certificate issuing platform parties, digital gift certificate transaction platform parties, customer service, verification centers, logistics, banks or financial institutions and insurance companies.

Description

Digital gift certificate transaction system based on NFR

Technical Field

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

Background

"Non-homogeneous Token" (NFT) NFR white paper was published in china 10 in 2021, the first of which is proposed to have three purposes, the first of which is to replace NFT (Non-homogeneous Token) since NFT is not available in china, but NFT has some characteristics that are required by the market; the second objective is that NFR propose a new business model, i.e., a model of interest (which is not available with conventional NFTs); a third object is to provide governance science and infrastructure of the flower heart universe. Recently foreign NFTs have also begun to offer benefits, but no mechanism and design for generic benefits have been proposed yet, and the benefits are addressed by NFT issuers themselves. The NFR benefits or NFT benefits are innovative and no mechanism for benefits has been proposed in the world. Some of the general benefits now include: 1) Some activities, such as concerts in the meta-universe, may be engaged in; 2) Some substances such as white tea or puer tea can be received; 3) Can enjoy the benefits of the related copyrights; 4) There may be a discount on purchasing other products or services, such as buying the associated shoe for 20% discount. The largest difference between NFR and foreign NFT (Non-Fungible Token) is:

(1) In NFR systems, the actual asset is still in the entity (whereas in NFT systems, the actual asset remains on the network and cannot come out of the network);

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

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

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

NFR is a complex protocol, not only due to multi-chain collaboration, but also a very large number of participants, including NFR issuers, platform parties, regulatory units, verification centers, exchanges or transaction units, clients; and multiple related digital multi-layer encryption and different blockchain systems. Based on this, the benefit redemption to achieve NFR also has the following problems:

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

(2) The uniqueness of the certificate on the NFR chain, although the certificate can be used for tracking and tracing, the defect that non-holder cheating occurs in the rights exchange process exists, so that a safe, reliable and privacy-protecting mode is needed for realizing the redemption of the NFR rights, both to the NFR issuer (producer) and the NFR holder; the legal rights of both parties are protected, the compliance of NFR is guaranteed, and rights and interests of the issuer needing to guarantee propaganda are provided on time to protect consumers.

(3) The field of application of NFR is expanding all the time, now to Digital coupons (Digital coupons). Coupons are often used in commercial areas to obtain a customer's method, but traditional coupons are paper and later developed into electronic coupons, but paper coupons or electronic coupons suffer from drawbacks, including: the quantity of paper coupons is not high, and paper is easy to damage; merchants have poor control over electronic coupons because electronic coupons can only be obtained and used through websites or on apps and cannot be used for transactions.

The digital gift certificates are digital rights or digital IP, and the digital rights can be exchanged for services or products. For example, all merchants in one city in China, including restaurants, pedigrees, clubs, and the like, may apply for issuing digital coupons. Customers who have access to digital coupons may be changed to products or services at the merchant. For example, a digital coupon value of 200 yuan, but a customer may pay only 100 yuan to obtain 200 yuan of service or product. Many customers would like to purchase digital coupons due to the large amount of discounts.

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

risk (1): the gift certificates present a risk of being counterfeited by people: since digital coupons are typically discounted, someone can copy them illegally, customers spend money to purchase these fake coupons, and merchants get substantial losses;

risk (2): merchants may have fraudulent activity. Comprising the following steps: the client is not willing to honor the interests on the coupon, or deliberately provide low quality service or product, and the client gets actual loss;

risk (3): merchants may not have fraud, but before coupons have not been exhausted, the customers get actual losses because the business fails to reclose, the corresponding service cannot be provided;

risk (4): the customer does not use the gift certificates because of moving home or other factors, but already spends money buying the gift certificates, the customer gets actual losses;

risk (5): the merchant makes a shipment according to the gift certificate contract, but because the logistics is not completed, the customer does not obtain the service or the product which should be obtained, but the merchant makes an actual shipment, and both sides obtain actual losses;

risk (6): the merchant receives goods according to the gift certificate contract, but the customer does not receive the goods after receiving the goods, and the merchant obtains actual losses;

Risk (7): the merchant gives the gift certificates to the appointed clients at free or very low price, the clients sell the gift certificates to the third parties at low price, and the third parties sell the gift certificates at a lower value than the market in the market immediately; belongs to the frequent non-compliance phenomenon in the market, and has the characteristic of non-compliance transaction.

In fact, digital coupons significantly reduce the above-mentioned risks of paper coupons. Digital gift certificates, however, have the following problems: in general, after the digital gift certificates are exchanged, cash cannot be returned, and a customer can only exchange services or products after taking the digital gift certificates and cannot be presented; however, there is a case where cash can be returned, and there is a possibility of non-compliance.

Applicant has laid out patent protection in terms of the overall framework of NFR and the guarantee mechanism of operation and rights, however, the main market is products such as artwork, which is less likely to be non-compliant because of the most likely cash transactions and the not very large number of transactions. While coupons differ, many conventional coupons have discounts, which are offered at low prices. The discounted coupon is in fact a pre-sale coupon, the customer pays for the discount and the merchant provides the service later. This is one of the important sources of merchant acquisition. As would digital coupons. Since many merchants can issue digital coupons, handling and administering these digital coupons and managing digital artwork varies. Because of the vast number of businesses that can issue digital coupons, there is a need for more stringent ways of managing digital coupons, and the prior art does not have a transaction system and method for the mature compliance of NFR-based digital coupons.

Disclosure of Invention

In order to solve one or more technical problems in the prior art, the invention provides a transaction system of a digital gift certificate based on NFR, wherein the digital gift certificate based on NFR can be used for transaction, service or product is obtained from a merchant, and the merchant can use the digital gift certificate for loan.

The present invention provides a transaction system of digital gift certificates based on NFR, which is used for the transaction of digital gift certificates of customers and merchants, and comprises:

a NFR-based digital gift certificate issuing platform for issuing digital gift certificates by digital gift certificate issuers, the NFR-based digital gift certificate issuing platform serving one or more of the digital gift certificate issuers, and cooperating 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 services, a plurality of banks or financial institutions, a plurality of insurance companies, and a plurality of logistics companies;

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

A digital gift certificate service center based on NFR, the digital gift certificate service center based on NFR being one or more; in the case of collaboration with a merchant, the NFR-based digital gift certificate service center is the exclusive customer service unit of the merchant; when the digital gift certificate service center based on the NFR cooperates with a plurality of merchants, the digital gift certificate service center based on the NFR is responsible for the service work of the digital gift certificates of the plurality of merchants; the system comprises a digital gift certificate customer service center based on NFR, a plurality of merchants, a plurality of digital gift certificate issuing platforms based on NFR, a plurality of digital gift certificate transaction platforms based on NFR, a plurality of banks or financial institutions, a plurality of insurance companies and a plurality of logistics companies;

the digital gift certificate verification center based on the NFR is arranged into one or more of a plurality of digital gift certificate issuing platforms based on the NFR, a plurality of digital gift certificate customer service centers based on the NFR, a plurality of banks or financial institutions, a plurality of insurance cooperatives and a plurality of logistics companies.

A bank or financial institution for receiving money, hosting funds and/or paying merchants, the banks or financial institutions participating in the system being a plurality of banks or financial institutions; 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 guaranteeing benefits of clients of the digital gift certificates, the insurance company being a plurality of companies; insurance companies and 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;

the logistics company is used for conveying goods corresponding to the digital gift certificates and notifying banks or financial institutions to pay money, and the logistics company is 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 merchants, digital gift certificate issuing platform parties, digital gift certificate transaction platform parties, customer service, verification centers, logistics, banks or financial institutions and insurance companies.

Preferably, if information of different digital gift certificates is stored in the plurality of NFR-based digital gift certificate verification centers, synchronous consensus may not be performed; however, if the same digital gift certificate information is stored in multiple NFR-based digital gift certificate verification centers, the NFR-based digital gift certificate verification centers must perform synchronous consensus, and the synchronous consensus adopts different consensus protocols, which are consensus algorithms of the bayer general protocol.

Preferably, the NFR-based digital gift certificate verification center may also be used as an NFR-based digital gift certificate service center. In this case, the NFR-based digital gift certificate authority performs authentication of the digital gift certificates while also performing customer service of the digital gift certificates.

Preferably, the bank or the financial institution is only one, the digital gift certificate is only cooperated with the one bank, and the one bank is responsible for all funds coming and going of the digital gift certificate; multiple banks are required to synchronize consensus data in the case of participation of multiple banks.

Preferably, the supervision units are multiple, wherein each supervision unit is only responsible for supervising part of the business related to the digital gift certificates, and the multiple supervision units cooperate to complete all supervision works related to the digital gift certificates; or the supervision unit is only provided with one for supervising all the related services and functions of the digital gift certificates.

Preferably, 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.

Preferably, after issuance of a digital gift certificate, transactions are conducted on one or more NFR-based digital gift certificate transaction platforms, with one or more NFR-based digital gift certificate authority services, but authentication is conducted only at one NFR-based digital gift certificate authority.

Preferably, one 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 certificates instead of the NFR-based digital gift certificate verification center; or the digital gift certificate issuing platform verification center based on the NFR cooperates with the external digital gift certificate verification center based on the NFR to authenticate the digital gift certificate;

an NFR-based digital gift certificate transaction platform may have its own NFR-based digital gift certificate transaction platform verification center to perform authentication of the digital gift certificates instead of the NFR-based digital gift certificate verification center; or the digital gift certificate transaction platform verification center based on the NFR cooperates with the external digital gift certificate verification center based on the NFR to authenticate the digital gift certificate.

Preferably, the merchant provides the customer service of the digital gift certificates by itself or outsources the customer service to one or more digital gift certificate customer service centers based on NFR; similarly, if there are multiple NFR-based digital gift certificate service centers, each time a service is performed, multiple NFR-based digital gift certificate service systems need to go through a consensus mechanism to ensure data consistency.

Preferably, the bank or financial institution may purchase or not purchase the insurance, and in the event that the insurance is not purchased, the bank or financial institution needs to prepare for reimbursement for all of the circumstances in which the management may occur.

The invention has the beneficial effects that:

1. for risk 1, digital coupons are difficult to forge: clients, merchants, banks, exchanges, logistics and customer service can find whether the digital gift certificates are forged or not through the verification center; and the digital gift certificates use the NFR protocol, and a plurality of blockchain systems are used for maintaining the digital gift certificates, so that the digital gift certificates are ensured to be real. The digital gift certificates also have own digital identity cards, so that the uniqueness of the digital gift certificates is ensured. In all processes, all units or individuals can determine the authenticity of a digital gift certificate. So that the merchant does not need to pay a service or product to give a customer or unit holding the fake digital gift certificate;

2. for risk 2, merchants have difficulty with fraud: if the merchant is not willing to honor the interests on the digital gift certificates or deliberately provide low-quality services or products, the customer will not notify the customer service, so the customer service will not notify the bank to pay the merchant, and thus the interests of the customer are ensured;

3. For risk 3, avoid loss due to failed reclosing of merchant: even if the merchant fails to provide the corresponding service, the customer has no loss because funds are present within the escrow bank. And even if the bank has problems, an insurance company is used as backup support;

4. for risk 4, the customer may retain the left-over digital coupon equity because of moving or other factors: in this case, the customer may sell the digital gift certificate at the exchange, and the balance on the digital gift certificate is obtained, so that the customer does not get any actual loss. As sales will be disclosed, the funds that may be available will not be consistent with the balance that remains, but will be partially available to prevent significant losses as a better result.

5. For risk 5, the loss caused by the stream not being completed is avoided: the customer does not have any loss because the customer has not informed the bank of the payment; while the merchant has shipped, but this time the loss should be taken care of by the logistics, the logistics company takes care of paying for the merchant's loss.

6. For risk 6, the loss of merchant due to customer fraud is avoided: the merchant receives the digital gift certificate, but the customer receives the product but does not receive the product, and the merchant obtains actual loss. Since the logistics company reports the delivery situation to the bank, the bank can investigate this. If the merchant delivers goods as expected, but the logistics confirm the delivery, the bank can force payment to the merchant.

7. For risk 7, the issuing of digital coupons requires a real name system, and the transfer of digital coupons is also a real name system, so that if an inconsistent action of third party resale occurs, the exchange and verification center can quickly discover which customers often resale large batches of digital coupons, and those who often sell digital coupons below the actual price; after discovery, the regulatory entity can track these customers or entities and non-compliant third parties will not be able to continue to transact digital coupons.

The above, as well as additional objectives, advantages, and features of the present invention will become apparent to those skilled in the art from the following detailed description of a specific embodiment of the present invention when read in conjunction with the accompanying drawings.

Drawings

Some specific embodiments of the invention will be described in detail hereinafter by way of example and not by way of limitation with reference to the accompanying drawings. The same reference numbers will be used throughout the drawings to refer to the same or like parts or portions. It will be appreciated by those skilled in the art 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 diagram showing a transaction system architecture of an NFR-based digital gift certificate according to a first preferred embodiment of the present invention.

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

Fig. 3 is a schematic structural diagram of an embodiment of an electronic device according to the present invention.

Detailed Description

In order that the invention may be more readily understood, reference will now be made to the following description of the invention taken in conjunction with the accompanying drawings and examples. In the following description, numerous specific details and specific examples are set forth in order to provide a thorough understanding of the present invention and to provide a thorough and complete understanding of the present invention to those skilled in the art. While this invention is susceptible of embodiment in many other forms than those described herein, those skilled in the art will be able to make and use the invention without departing from the spirit of the invention, and therefore the invention is not limited by the specific examples and figures disclosed below.

In the following description, numerous specific details and specific examples are set forth in order to provide a thorough understanding of the present invention and to provide a thorough and complete understanding of the present invention to those skilled in the art. While this invention is susceptible of embodiment in many other forms than those described herein, those skilled in the art will be able to make and use the invention without departing from the spirit of the invention, and therefore the invention is not limited by the specific examples and figures disclosed below.

Referring to fig. 1-2, in the preferred embodiment of the present invention, the digital gift certificates are not digital money nor digital assets, but are vouchers for equity, so that the digital gift certificates cannot be exchanged for cash from merchants. In the present invention, the digital gift certificate is an NFR, and represents a label with unique world, and no other NFR has the same attribute. Each digital gift certificate has its own special interests that can only be increased or invalidated by a predetermined date, but not decreased. The digital gift certificates can be transferred and can be traded, and corresponding customer service can be obtained. For example, a restaurant issues digital coupons that can be consumed in the restaurant for 200 yuan in 2 years. The customer holds the digital gift certificate and can consume the digital gift certificate to the restaurant before the date is not expired. If the customer leaves the city and cannot continue to consume at the restaurant, the digital gift certificate can be sold. For example, 120 yuan is included in the digital gift certificate, which can be purchased in a market with 100 yuan, so that the next customer can enjoy the digital gift certificate. Thus, the digital gift certificates can be popular in the market, and the commercial activities are promoted.

The present embodiment provides a transaction system of digital gift certificates based on NFR for a transaction of digital gift certificates of customers and merchants, including:

The NFR-based digital gift certificate verification center is generally one and is easier to implement, although in other cases, multiple NFR-based digital gift certificate verification centers may be provided for serving multiple merchants, and multiple NFR-based digital gift certificate issuing platforms, multiple NFR-based digital gift certificate service centers, multiple banks or financial institutions, multiple insurance cooperatives, and multiple logistics companies cooperations. If information of different digital gift certificates is stored in the digital gift certificate verification centers based on the NFR, synchronous consensus is not performed; however, if two digital gift certificate verification centers based on NFR store the same digital gift certificate information, the two verification centers must perform synchronous consensus, and the synchronous consensus adopts different consensus protocols, and the consensus protocols that the synchronous needs to pass through are consensus algorithms of the bayer general protocol, for example; because the two digital gift certificate verification centers need complex management procedures to share data, the two digital gift certificate verification centers are not the preferred implementation mode; since there may be multiple distribution platforms, these platforms may cooperate with the verification center, which may also be multiple. It must be unique to the issuing of a merchant digital gift certificate, and the easiest way to do this is to have only one verification center handle the series of digital gift certificates. If two or more verification centers participate, the verification centers also need to maintain the consistency of the relevant data. A merchant may issue different digital coupons on different issuing platforms multiple times, but each issue may only go through one issuing platform.

an insurance company for securing the interests of the customers of the digital gift certificates, in a preferred embodiment, if the merchant is closed upside down, the customers can take back part of funds for purchasing the digital gift certificates, the insurance company being a plurality of companies; insurance companies and 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;

The NFR-based digital gift certificate authority may also be used as a NFR-based digital gift certificate authority as a preferred embodiment. In this case, the NFR-based digital gift certificate authority performs authentication of the digital gift certificates while also performing customer service of the digital gift certificates.

As a preferred embodiment, the bank or financial institution is only one, the digital gift certificate is only cooperated with the one bank, and the one bank is responsible for all funds to and from the one digital gift certificate. In the case of participation of a plurality of banks, synchronous consensus data is required for the plurality of banks, which is theoretically possible, but the operation is more inconvenient than one bank.

As a preferred embodiment, the plurality of supervision units are multiple, wherein each supervision unit is only responsible for supervising part of the services related to the digital gift certificates, and the plurality of supervision units cooperate to complete all supervision works related to the digital gift certificates. For example, the supervision units are only responsible for trading digital gift certificates, some supervision units are only responsible for supervising merchants, some supervision units are only responsible for supervising digital gift certificate issuing platform parties, and some supervision units are only responsible for supervising customer service and the like; or the supervision unit is only provided with one for supervising all the related services and functions of the digital gift certificates.

As 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.

As a preferred embodiment, after a digital gift certificate is issued, it is traded on one or more NFR-based digital gift certificate trading platforms, served at one or more NFR-based digital gift certificate authority centers, but authenticated only at one NFR-based digital gift certificate authority. This is because each digital gift certificate is independent, and thus needs to be processed separately for each digital gift certificate, and sharing data at a plurality of verification centers requires a complicated management flow, and thus is not a preferred embodiment.

As a preferred embodiment, one NFR-based digital gift certificate issuing platform may have its own NFR-based digital gift certificate issuing platform verification center instead of the NFR-based digital gift certificate verification center to authenticate the digital gift certificates; or the digital gift certificate issuing platform verification center based on the NFR cooperates with the external digital gift certificate verification center based on the NFR to authenticate the digital gift certificate;

As a preferred embodiment, the merchant provides customer service for the digital gift certificates itself or outsources the customer service to one or more NFR-based digital gift certificate customer service centers. Similarly, if there are multiple NFR-based digital gift certificate service centers, each time a service is performed, multiple NFR-based digital gift certificate service systems need to go through a consensus mechanism to ensure data consistency.

As a preferred embodiment, when a merchant is not willing to place funds obtained by selling digital coupons at a 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 coupons, and after removal of the funds, the merchant is turned off from service. These illegal merchants can go through the business again elsewhere and reissue the running after making money for a large number of digital gift certificates. Unless the merchant is a good business, the adherence to selling 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 needs to make a preparation for reimbursement for all of the wind control events that may occur.

The transaction method of the digital gift certificate transaction system based on the NFR comprises the following steps:

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

determining NFR issuance rules to be followed for issuing the digital gift certificates, comprising: 1) Once the issue is determined, the issue cannot be increased in any case; 2) The rights associated with the digital gift certificates can be increased; 3) Issuing digital gift certificates to adopt a real-name system; 4) The merchant can guarantee the rights and interests of the customer, for example, by purchasing insurance and other mechanisms;

after the digital gift certificate issuing platform based on the NFR receives a request of a merchant for issuing a digital gift certificate, the digital gift certificate issuing platform based on the NFR carries out credit evaluation on the merchant, and the credit evaluation comprises the following steps: such as querying a merchant for a history of past releases of digital coupons, if the merchant is a listing company, evaluating the merchant's financial status, etc.; even if the merchant credit is very good, any issuing digital gift certificates requires careful study to allow the merchant to issue digital gift certificates;

If it is determined that the merchant has sufficient credit, approving the issuing of the digital gift certificate;

after the digital gift certificates are issued by the NFR-based digital gift certificate issuing platform, a merchant promotes and publicizes the digital gift certificates;

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

the client obtains the digital gift certificate in a way of paying for the digital gift certificate or giving the digital gift certificate to the merchant; for a free digital gift certificate, the customer does not need to pay; for purchasing the acquired digital gift certificates, the purchased funds are not directly delivered to the merchant, but are delivered to the bank or financial institution; or as a preferred embodiment, the customer purchases the digital gift certificates from the transaction platform instead of directly from the issuing merchant, and before purchasing, verifies whether the digital gift certificates are authentic and credit data of the merchant issuing the digital gift certificates through the NFR-based digital gift certificate verification center; inquiring whether balance exists through the NFR-based digital gift certificate customer service center;

the customer verifies whether the received digital gift certificates are authentic through the digital gift certificate verification center, and if not, immediately informs the bank or financial institution and requests refunds;

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

based on the digital gift certificates that are verified, the clients can seek service or products from the issuer if there are enough digital gift certificates; when the digital gift certificates are changed into services or products, after the clients agree to receive the proper services or products, the bank or financial institution or the NFR-based digital gift certificate customer service center is instructed to transfer corresponding funds from the escrow account of the bank to the bank account of a merchant, so that one digital gift certificate is used for all funds; the bank or financial institution may settle at regular intervals with the merchant (e.g., daily, weekly, or monthly) or in real time. If settlement is done in real time, the bank or financial institution needs to use a blockchain system to prevent errors. After all the digital gift certificates are used up, the funds purchased by the clients are transferred into the bank accounts of the merchants one by one, and the rest of funds are transferred to the relevant units as management fees;

and for the unused digital gift certificates, the clients transact the digital gift certificates, sell one digital gift certificate, transfer the digital gift certificates to the NFR-based digital gift certificate transaction center, and transfer the digital gift certificate transaction center to the bank account of the clients after receiving funds.

At this time, the merchant does not need to have blockchain technology or the technology of possessing digital gift certificates, and can rely on the platform side completely, and the merchant does not need to trust the platform side because of the verification center checking the platform side.

(3) The operation flow of the bank or the financial institution comprises the following steps:

after receiving funds to purchase the digital gift certificates, a bank or financial institution can purchase insurance or prepare corresponding spare funds for if the relevant institution such as NFR-based digital gift certificate issuing platform is closed, or merchant is closed, or logistics is problematic, the bank or financial institution can ask for insurance loss funds from the insurance company, use the insurance loss funds or spare Jin Laifu customers, merchants, logistics parties, or losses from the platform party;

each time a customer receives a service or a product, after the customer notifies the bank or the financial institution, the bank or the financial institution transfers the corresponding funds to the corresponding merchant; likewise, the bank or the financial institution may settle at regular intervals and once a merchant's settlement, or once a week, or in real time. If settled in real time, the merchant must be on the blockchain system of the bank or financial institution; as a preferred embodiment, the blockchain settlement may be real-time or delayed, and a different blockchain-based settlement system may be employed by a bank or financial institution.

As a preferred embodiment, the bank or financial institution cannot return the remaining balance to the customer. If a customer holds a digital gift certificate for a long time without redeeming the service or product. The bank or financial institution may make the following options: 1) Notifying a customer of loss reporting of the digital gift certificate; the method is applicable to the situation that a customer cannot exchange service or products for irresistible reasons; since the digital gift certificates are issued through NFR, if the digital gift certificates are lost, the digital gift certificates can be reissued using NFR protocol, and the balance is necessarily correct; 2) And transferring the digital gift certificates to legal inheritors or public service institutions through legal processes.

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

the digital gift certificate verification center based on the NFR verifies the legitimacy of digital gift certificates issued by a plurality of merchants and the digital gift certificate issuing platform based on the NFR; because merchants are very many and can issue a plurality of digital coupons, 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 digital gift certificate verification center based on NFR answers the client's consultation about whether the held digital gift certificate is real;

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

the digital gift certificate transaction platform based on the NFR receives the digital gift certificates sent by clients or the digital gift certificates sent by the digital gift certificate issuing platform based on the NFR, 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., a minimum of 10 yuan); 3) Publishing the digital gift certificate and selling price; 4) If a client is willing to purchase, the digital gift certificates are converted, and the conversion procedure is a complex flow because the digital gift certificates adopt NFR;

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

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 may also use a blockchain system to transact and simultaneously make other units a node of the blockchain, such as the NFR-based digital gift certificate authority and the NFR-based digital gift certificate authority. 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.

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

the NFR-based digital gift certificate service center provides balance information and shipment information to the interrogated clients, and simultaneously provides the same information to the NFR-based digital gift certificate transaction platform, the NFR-based digital gift certificate issuing platform, the merchant, the logistics, the bank or the 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 handled separately because each digital gift certificate is unique to the world. Each digital gift certificate can have an account, and each time a customer exchanges a service or a product, a customer service center reduces the balance of the corresponding account

Notifying the NFR-based digital gift certificate service center every time the NFR-based digital gift certificate transaction platform transacts;

after receiving the service and the product, the client updates an account book, informs the bank or the financial institution to transfer account to a merchant, and updates account book information according to the information of the bank or the financial institution due to the digital gift certificate customer service center based on the NFR; the digital gift certificate customer service center based on the NFR informs the bank or the financial institution of the updated account information in real time or according to fixed time.

As a preferred embodiment, the NFR-based digital gift certificate authority may have its own blockchain system, or a blockchain system of the NFR-based digital gift certificate issuing platform may be used, or a blockchain system of a participating bank or financial institution may be used without its own blockchain system. The NFR-based digital gift certificate authority 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 financial institution.

(7) The operation flow of the insurance company comprises the following steps:

after receiving the deposit of buying the digital gift certificate, the bank or the financial institution is partially used for buying insurance to ensure various possible risks of going out, and sending insurance information to an insurance company;

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

optionally, the insurance company provides insurance service for the logistics company, 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 a customer can inquire whether the digital gift certificate of the customer is guaranteed;

once at risk, the insurer is responsible for claims according to contracts with the banks or financial institutions and logistics companies.

As a preferred embodiment, the merchant further comprises the following procedures: borrowing the bank or financial institution through the digital gift certificate, including: funds obtained after the merchant issues and sells the digital gift certificates enter the relevant banks or financial institutions from the clients of the merchant, and the banks or financial institutions cannot transfer the funds to the merchant because the clients are not yet served or take products; the merchant may loan and pay bank or financial institution interest to purchase raw materials, produce products after processing, and provide the products to customers. When the customer receives the service or the product, the bank reduces the amount of the loan of the merchant at the bank, and the interest paid to the bank by the merchant is reduced.

Since this funds should be given to the merchant after the merchant has completed the service, the banking procedure is easier. But the bank can still purchase insurance to prevent the merchant from deliberately or carelessly closing, failing to provide service or product to the customer, and the bank can be clawed by the insurance company.

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

As shown in fig. 3, the present invention further provides an electronic device, including a processor 301 and a memory 302 connected to the processor 301, where the memory 302 stores a plurality of instructions that can be loaded and executed by the processor to enable the processor to perform a transaction method as required by the embodiment system.

The implementation of this embodiment is such that:

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 appreciated by those skilled in the art that changes and modifications may be made to the embodiments of the invention without departing from the scope and spirit thereof.

Claims

1. A transaction system for NFR-based digital coupons for transactions of digital coupons at the home of customers and merchants, comprising:

the system comprises an NFR-based digital gift certificate verification center, one or more digital gift certificate verification centers, 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 cooperatives and a plurality of logistics companies, wherein the one or more digital gift certificate verification centers are used for providing services for a plurality of merchants;

2. The NFR-based digital gift certificate transaction system of claim 1 wherein if information of different digital gift certificates are stored in a plurality of NFR-based digital gift certificate verification centers, no synchronous consensus is performed; however, if the same digital gift certificate information is stored in multiple NFR-based digital gift certificate verification centers, the NFR-based digital gift certificate verification centers must perform synchronous consensus, and the synchronous consensus adopts different consensus protocols, which are consensus algorithms of the bayer general protocol.

3. The NFR-based digital gift certificate transaction system of claim 1 wherein the NFR-based digital gift certificate verification center serves as an NFR-based digital gift certificate service center, in which case the NFR-based digital gift certificate verification center performs authentication of digital gift certificates while also performing service of digital gift certificates.

4. The NFR-based digital gift certificate transaction system of claim 1 wherein said bank or financial institution is only one, said digital gift certificate cooperates with only the one bank, and one bank is responsible for all funds to and from a digital gift certificate; multiple banks are required to synchronize consensus data in the case of participation of multiple banks.

5. The NFR-based digital gift certificate transaction system of claim 1 wherein said regulatory units are plural, wherein each of said regulatory units is responsible for regulating only a portion of the services associated with said digital gift certificate, and wherein said regulatory units cooperate to complete all of the regulatory tasks associated with said digital gift certificate; or the supervision unit is only provided with one for supervising all the related services and functions of the digital gift certificates.

6. The NFR-based digital gift certificate transaction system of claim 1 wherein said merchant issues different digital gift certificates on different NFR-based digital gift certificate issue platforms, but one digital gift certificate is issued only on one of said NFR-based digital gift certificate issue platforms.

7. The NFR-based digital gift certificate transaction system of claim 6 wherein after issuance of a digital gift certificate, transactions are conducted on one or more NFR-based digital gift certificate transaction platforms, services are conducted at one or more NFR-based digital gift certificate authority centers, but authentication is conducted only at one NFR-based digital gift certificate authority.

8. The NFR-based digital gift certificate transaction system of claim 7 wherein an NFR-based digital gift certificate issuing platform has its own NFR-based digital gift certificate issuing platform verification center in place of the NFR-based digital gift certificate verification center for authentication of the digital gift certificates; or the digital gift certificate issuing platform verification center based on the NFR cooperates with the external digital gift certificate verification center based on the NFR to authenticate the digital gift certificate;

9. The NFR-based digital gift certificate transaction system of claim 1 wherein merchants offer customer service for said digital gift certificates themselves or outsource said customer service to one or more NFR-based digital gift certificate customer service centers; similarly, if there are multiple NFR-based digital gift certificate service centers, each time a service is performed, multiple NFR-based digital gift certificate service systems need to go through a consensus mechanism to ensure data consistency.

10. The NFR-based digital gift certificate transaction system of claim 1 wherein a bank or financial institution purchases or does not purchase insurance, and in the event that insurance is not purchased, the bank or financial institution needs to pay for preparing to reimburse all of the windage conditions that may occur.