CN114782107A - Digital gift certificate data structure based on NFR - Google Patents
Digital gift certificate data structure based on NFR Download PDFInfo
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Abstract
The invention provides a data structure of digital gift certificates based on NFR, the digital gift certificates are participated in by different merchants, digital gift certificate issuing platforms, digital gift certificate transaction platforms, digital gift certificate verification centers, digital gift certificate customer service centers, banks or financial institutions, insurance, supervision units and logistics units, including: an NFR digital identity card for confirming an NFR identity of a digital gift certificate as an NFR; the digital gift certificate plaintext digital identity card is used for verifying the identity of the digital gift certificate; the digital gift certificate issuing platform comprises a digital gift certificate issuing date, a digital gift certificate issuing time, a digital gift certificate issuing merchant digital identity card, a digital gift certificate number inside the digital gift certificate issuing merchant and a digital identity card of the NFR-based digital gift certificate issuing platform; the digital identity card of the digital gift certificate determines or does not comprise the digital identity card of the digital gift certificate based on the hash value generated by the digital identity card of the digital gift certificate plaintext; and the authentication information base is used as an interface of external inquiry data through the authentication mark so as to inquire the correctness of the information of the digital gift certificate.
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 digital gift certificate data structure based on NFR.
Background
"Non-homogeneous Token" (NFT) NFR white paper was published in china 10.2021, proposing that NFR has three purposes, the first one is to replace NFT (Non-homogeneous Token), since it cannot be used in china, but it is desirable for the market that NFT has some characteristics; the second objective is that NFR presents a new business model, i.e. a profitable model (which conventional NFT does not have); the third purpose is to provide the governing technology and the infrastructure of the flower-heart-shaped universe. Recently, foreign NFTs have also begun to offer 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) the interests of the related copyright can be enjoyed; 4) there may be a discount when purchasing other products or services, such as buying the associated shoe for a 20% discount. The biggest difference between NFR and foreign NFT (Non-fungal Token) lies in:
(1) in the NFR system, the real asset is still in the entity (whereas in the NFT system, the real asset stays on the network and cannot come out of the network);
(2) NFT uses foreign prohibited digital token systems such as etherhouses, while NFR does not use any public chain;
(3) NFR does not apply to token mechanism of NFT;
(4) the traditional NFT has no added value but only has collection value, but the NFR has other rights and interests 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 can not realize a flexible equity exchange mechanism, and the equity exchange based on NFR is flexible, can be complex and can be simple; and because of using intelligent contract mechanism to implement, so need have abundant flexibility, can enough exchange many times for a long time, also support once only to cash.
(2) Although the certificate on the NFR chain is unique, although it can be used for tracking and tracing, there is a disadvantage that a non-holder cheats in the rights and interests exchange process, so that whether the NFR issuer (producer) or the NFR holder is subjected to the redemption of the NFR rights and interests, a safe and reliable way for protecting privacy is required; both legal rights and interests of both parties are protected, and the basis of NFR compliance is guaranteed, so that rights and interests of a publisher needing to guarantee publicity must be provided on time to protect consumers.
(3) The field of application of NFR has been expanding, now to Digital coupons (Digital coupons). Gift certificates are often used in the business field to obtain customers, but the conventional gift certificates are paper and are later developed into electronic certificates, but the paper certificates or the electronic certificates have disadvantages including: the number of paper coupons is not high, and the paper is easy to damage; merchants have poor control over electronic coupons because electronic coupons are only available and used via the web site or on the App and cannot be used for transactions.
The digital gift certificate is a digital right or a digital IP, and the digital right can be exchanged for a service or a product. For example, all merchants in a city in China, including restaurants, pedicures, clubs, etc., may apply for issuance of digital coupons. A customer having access to the digital gift certificate may change to a product or service at the merchant. For example, a digital gift certificate has a value of 200 dollars, but a customer may pay only 100 dollars to obtain 200 dollars of services or products. Many customers may be willing to purchase digital coupons due to the large amount of discounts.
However, both paper and digital coupons present the following risks:
risk (1): gift certificates present the risk of being counterfeited by a person: because digital gift certificates are generally discounted, someone can illegally copy the digital gift certificates, customers spend money to purchase the fake gift certificates, and merchants obtain substantial losses;
risk (2): the merchant may have fraud. The method comprises the following steps: unwilling to redeem the rights on the gift certificate, or intentionally providing low quality services or products, the customer receives a substantial loss;
risk (3): the merchant may not be fraudulent, but before the gift certificate fails to be invalid, the corresponding service cannot be provided because the merchant fails to close, and the customer obtains actual loss;
risk (4): the client does not use the gift certificate because of moving or other factors, but has spent funds to buy the gift certificate, and the client obtains actual loss;
risk (5): the merchant delivers goods according to the gift certificate contract, but because the logistics is not completed, the customer does not obtain the service or product which should be obtained, and the merchant actually delivers goods, so that both parties obtain actual loss;
risk (6): the merchant delivers goods according to the gift certificate contract, but the client receives the product but does not receive the product, and the merchant obtains actual loss;
risk (7): the merchant gives the gift certificate to the appointed client for free or with extremely low price, the client sells the gift certificate to the third party at low price, and the third party immediately sells the gift certificate in the market with the value lower than the market; the method belongs to the frequent non-compliance phenomenon in the market and has the characteristic of non-compliance transaction.
In fact, digital coupons would greatly reduce the above-mentioned risks of paper coupons. However, the digital gift certificates also have the following problems: in general, after the digital gift certificate is committed, cash cannot be returned, and a customer can only exchange the digital gift certificate for service or product but cannot be presented; however, there are cases where cash can be returned, and there is a possibility of non-compliance.
The applicant has laid out patent protection in terms of the overall framework of NFR and safeguarding mechanisms for jobs and rights, however the main market is for products such as art, which are less likely to be non-compliant because they are more likely to be traded in cash and the number of trades is not very large. Different gift certificates, many traditional gift certificates have discounts and are offered at low prices. The discounted gift certificate is in fact a pre-sold ticket, the customer pays the money first to get the discount, and the merchant offers the service later. This is one of the important sources for merchants to obtain customers. This would also be true of digital coupons. As many merchants can issue digital coupons, process and administer the digital coupons and manage digital artwork differently. Because of the enormous number of enterprises that can issue digital coupons, digital coupons require a more rigorous management approach, and the prior art has not yet provided a more complete and reasonable data structure for NFR-based digital coupons as a support for NFR-based digital coupon transactions.
Disclosure of Invention
The present invention is directed to solving one or more of the problems of the prior art and provides a data structure of an NFR-based digital gift certificate, which can be used for a transaction to obtain a service or a product from a merchant, and the merchant can make a loan using the digital gift certificate.
A first aspect of the present invention provides a data structure of a digital gift certificate based on NFR, wherein the digital gift certificate is participated by different merchants, a digital gift certificate issuing platform based on NFR, a digital gift certificate transaction platform based on NFR, a digital gift certificate verification center based on NFR, a digital gift certificate customer service center based on NFR, a bank or financial institution, insurance, a regulatory unit, and a logistics unit, including:
an NFR digital identity card for confirming an NFR identity of a digital gift certificate as an NFR;
the digital gift certificate plaintext digital identity card is used for verifying the identity of the digital gift certificate; wherein the digital gift certificate plaintext digital identity card comprises a digital gift certificate issuing date, a digital gift certificate issuing time, a digital gift certificate issuing merchant digital identity card, a digital gift certificate issuing merchant internal digital gift certificate number and a digital identity card of an NFR-based digital gift certificate issuing platform; the information in the digital gift certificate plaintext digital identity card is public information and appears in a plaintext mode;
the digital identity card of the digital gift certificate is determined based on a hash value generated by a digital identity card of a plaintext of the digital gift certificate, namely the digital identity card of the plaintext of the digital gift certificate conforms to the hash of the digital identity card of the plaintext of the digital gift certificate and serves as the digital identity card of the digital gift certificate; the digital gift certificate issuing platform stores the digital identity card in the block chain system, so that the digital gift certificate has a unique and unique digital identity card, the digital gift certificate issuing platform parties do not need to be synchronized to maintain the consistency among the respective digital identity cards, and each issuing platform party only needs to maintain the data consistency in the system; or the digital identity card of the digital gift certificate is not included, and part or all of the institutions participating in the digital gift certificate transaction system select the plain text digital identity card of the digital gift certificate to be compounded with the NFR digital identity card of the digital gift certificate as the digital identity card of the digital gift certificate;
and the authentication information base is used as an interface for external inquiry data through an authentication mark, the authentication mark is a two-dimensional code and website information, and any client or person can inquire the correctness of the corresponding digital gift certificate information by using the two-dimensional code or the website information.
Preferably, the digital gift certificate number inside the digital gift certificate issuing merchant may be omitted.
Preferably, the digital identification card of the digital gift certificate issuing merchant includes issuing merchant information of the digital gift certificate, and the issuing merchant information includes: the business name, the registration place, the business information, the bank information and/or the credit points of the digital gift certificate issuing merchant which issued the digital gift certificate in the past;
the digital identity card of the NFR-based digital gift certificate issuing platform comprises: the name of the issuing platform, the registration place, the business information of the issuing platform, the bank information of the issuing platform, the credit score of the digital gift certificate issued by the digital gift certificate issuing platform based on NFR, and the like.
Preferably, the digital gift certificate plaintext digital identity card further comprises:
the age, value, service description, and product description of the digital coupon;
information of an NFR-based digital gift certificate verification center, the information of the NFR-based digital gift certificate verification center including: contact addresses of the NFR-based digital gift certificate verification center, phone numbers of the NFR-based digital gift certificate verification center, and/or website information of the NFR-based digital gift certificate verification center;
information of the NFR-based digital gift certificate service center including a complaining phone or other related information;
information of a bank or financial institution, the information of the bank or financial institution including a contact address of the bank or financial institution, a phone of the bank or financial institution and/or website information of the bank or financial institution;
information of the digital gift certificate insurance company, the information of the digital gift certificate insurance company includes the contact address of the digital gift certificate insurance company, the telephone of the digital gift certificate insurance company and/or website information of the digital gift certificate insurance company;
information of a digital gift certificate regulatory unit, the information of the digital gift certificate regulatory unit including: complaint telephone numbers or other relevant information of digital gift certificate administration units.
Preferably, if the digital gift certificate can be used only once, the value of the digital gift certificate is expressed in plain text; if the digital gift certificate can be used for multiple times, the value and balance of the digital gift certificate are not disclosed; and storing partial or all information of the digital gift certificate plaintext digital identity card on different participating units of the digital gift certificate trading platform.
Preferably, the digital gift certificate plaintext digital identity card is sent by a centralized platform, and the centralized platform is a government agency or a public institution enterprise; the centralized platform makes a digital gift certificate plaintext digital identity card, and the centralized organization can also use the digital gift certificate identity card.
Preferably, if the digital gift certificate transaction system uses a centralized mechanism, the digital gift certificate issuing platform needs to apply for issuing the digital identification card of a digital gift certificate issuing merchant to the centralized platform, and the digital gift certificate issuing platform can issue the digital gift certificate only after receiving the digital identification card of the digital gift certificate issuing merchant; the digital identification card of the digital gift certificate issuing merchant can be applied in advance or in real time.
Preferably, the digital identity card of the issuing merchant is in a form of using international standard lei (legal Entity identifier), china industry and commerce registration number or both international and domestic standards.
Preferably, the digital identification cards of the digital gift certificates are stored in a blockchain system of different organizations of the digital gift certificate transaction system, so that the data corresponding to the digital identification cards of the digital gift certificates cannot be changed.
Preferably, the data structure further includes a digital identification card of the digital gift certificate verification center, so that the verification center processing the digital gift certificate can be determined from the digital identification card of the digital gift certificate.
The invention has the beneficial effects that:
1. for risk 1, the digital gift certificate is difficult to forge: the customer, the merchant, the bank, the exchange, the logistics and the customer service can find whether the digital gift certificate is forged or not through the verification center; and the digital gift certificate uses NFR protocol, and uses a multi-blockchain system to maintain the digital gift certificate, ensuring that the digital gift certificate is authentic. 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. In all processes, all entities or individuals can determine the authenticity of a digital gift certificate. Thus, the merchant does not need to pay services or products to the customers or units holding the fake digital gift certificates;
2. for risk 2, the merchant hardly has fraud: if the merchant does not want to cash the rights and interests on the digital gift certificate or intentionally provides low-quality service or products, the customer does not inform the customer service, so the customer service does not inform the bank to pay for 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 the funds are in the escrow bank. Even if the bank has problems, the insurance company is used as a backup support;
4. for risk 4, the client may retain the legacy digital gift certificate rights because of moving or other factors: in this case, the customer can sell the digital gift certificate at the exchange, and get the balance on the digital gift certificate, so that the customer gets little actual loss. Since the purchase will be open, the available funds and the remaining balance will not be consistent, but a partial balance is obtained to prevent large losses as a better result.
5. For risk 5, the loss caused by incomplete logistics is avoided: the customer does not have any loss because the customer has not notified the bank to pay; the merchant has already delivered the goods, but the loss is responsible for logistics, and the logistics company is responsible for paying the loss of the merchant.
6. For risk 6, avoid merchant losses due to customer fraud: the merchant delivers the digital gift certificate contract, but the customer receives the product but does not receive the product, and the merchant receives the actual loss. Since the logistics company will report the delivery situation to the bank, the bank can investigate this. 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 these customers or entities and non-compliant third parties will not be able to continue to trade digital coupons.
The above and other objects, advantages and features of the present invention will become more apparent to those skilled in the art from the following detailed description of specific embodiments thereof, taken in conjunction with the accompanying drawings.
Drawings
Some specific embodiments of the invention will be described in detail hereinafter, by way of illustration and not limitation, with reference to the accompanying drawings. The same reference numbers in the drawings identify the same or similar elements or components. Those skilled in the art will appreciate that the drawings are not necessarily drawn to scale. The objects and features of the present invention will become more apparent upon consideration of the following description taken in conjunction with the accompanying drawings, in which:
fig. 1 is a diagram illustrating a data structure of a digital gift certificate according to a preferred embodiment of the present invention.
Fig. 2 is a diagram of transaction relationships between parties and merchants and customers in an NFR-based digital gift certificate issuing transaction platform according to a preferred embodiment of the present invention.
Fig. 3 is a diagram of transaction relationships among parties in an NFR-based digital gift certificate issuing transaction platform according to a preferred embodiment of the present invention.
Fig. 4 is a block diagram of an electronic device according to a preferred embodiment of the present invention.
Detailed Description
In order to make the present invention more comprehensible, the present invention is further described with reference to the accompanying drawings and examples. In the following description, numerous specific details and specific examples are set forth in order to provide a more thorough understanding of the present invention and to provide a thorough understanding of the present invention. While this invention is susceptible of embodiment in many different forms than that described herein, there will be many equivalents to those skilled in the art which incorporate such variations and modifications without departing from the spirit and scope of the invention as defined by the appended claims and their equivalents.
In the following description, numerous 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 preferred embodiment of the present invention, the digital gift certificate is not digital currency, nor digital assets, but rather is a voucher for rights and interests, so that the digital gift certificate cannot be exchanged for cash from the merchant. In the present invention, the digital gift certificate is an NFR, which represents a world-unique tag, and no other NFR has the same attribute. Each digital gift certificate has its own special interest which can only be increased or not be decreased according to a predetermined date, but not decreased. The digital gift certificate can be transferred and traded, and corresponding customer service can be obtained. For example, a restaurant issues digital coupons, holding a digital coupon may consume 200 dollars in that restaurant within 2 years. The customer holding the digital gift certificate can be consumed by the restaurant before the date is expired. If the customer leaves the city and cannot continue consuming at the restaurant, the digital gift certificate can be sold. For example, a 120-dollar digital gift certificate can be purchased in the market in 100-dollar, and can be enjoyed by the next client. Thus, the digital gift certificate can be popular in the market, and the commercial activity is promoted.
Referring to fig. 1, a specific digital gift certificate data structure of the present embodiment is shown. Each digital gift certificate is an NFR and thus already has a digital identification card. But the digital identification card only verifies the NFR identity, not the digital gift certificate. The digital gift certificate requires a digital identification card of its own. And the digital gift certificates can be issued by a plurality of issuing platforms, and each issuing platform can independently give a digital identity card to each digital gift certificate:
the digital gift certificate plaintext identity card = issue date + issue time + issuing merchant digital identity + issuing merchant internal digital gift certificate number + issuing platform digital identity card;
a first aspect of the present invention provides a data structure of a digital gift certificate based on NFR, wherein the digital gift certificate is participated by different merchants, a digital gift certificate issuing platform based on NFR, a digital gift certificate transaction platform based on NFR, a digital gift certificate verification center based on NFR, a digital gift certificate customer service center based on NFR, a bank or financial institution, insurance, regulatory unit, and logistics unit, including:
an NFR digital identification card for confirming an NFR identity as a digital gift certificate of the NFR;
the digital gift certificate plaintext digital identity card is used for verifying the identity of the digital gift certificate; wherein the digital gift certificate plaintext digital identity card comprises a digital gift certificate issuing date, a digital gift certificate issuing time, a digital gift certificate issuing merchant digital identity card, a digital gift certificate issuing merchant internal digital gift certificate number and a digital identity card of an NFR-based digital gift certificate issuing platform; since the digital gift certificate is an NFR, the NFR has encrypted important information on the relevant blockchain system; therefore, the information in the digital gift certificate plaintext digital identity card is public information and appears in a plaintext mode;
the digital identification card of the digital gift certificate is determined based on the hash value generated by the digital identification card of the digital gift certificate plaintext, namely the digital identification card of the digital gift certificate plaintext conforms to the hash of the digital identification card of the digital gift certificate plaintext and serves as the digital identification card of the digital gift certificate. Because the issuing platform of the digital gift certificate stores the digital identity card in the block chain system, the digital gift certificate has a unique and unique digital identity card, and the issuing platform parties of the digital gift certificate do not need to be synchronized to maintain the consistency among the respective digital identity cards, and each issuing platform party only needs to maintain the data consistency in the system; or the digital identity card of the digital gift certificate is not included, and part or all of the organizations participating in the digital gift certificate transaction system select the plain text digital identity card of the digital gift certificate and the NFR digital identity card of the digital gift certificate as the digital identity card of the digital gift certificate, because the NFR already has the digital identity card thereof, the digital gift certificate can only have the plain text identity card and rely on the NFR system for verification;
in this embodiment, the authentication mark is a two-dimensional code and website information, and any customer or person can use the two-dimensional code or the website information to inquire the correctness of the corresponding digital gift certificate information.
In a preferred embodiment, the digital gift certificate number inside the digital gift certificate issuing merchant can be omitted, which is convenient for the inside of the issuing merchant.
In a preferred embodiment, the digital gift certificate issuing merchant digital identification card includes issuing merchant information of the digital gift certificate, and the issuing merchant information includes: the business name, the registration location, the business information, the banking information, and/or the credit points of the digital gift certificate issuing merchant that issued the digital gift certificate in the past.
In a preferred embodiment, the digital identification card of the NFR-based digital gift certificate issuing platform includes: the name of the issuing platform, the registration place, the information of the issuing platform, the bank information of the issuing platform, and/or the credit points of the digital gift certificate issued by the NFR-based digital gift certificate issuing platform in the past.
As a preferred embodiment, the digital gift certificate plaintext digital identity card further comprises: the age, value, service description, and product description of the digital coupon.
As a preferred embodiment, the digital gift certificate plaintext digital identity card further comprises: information of an NFR-based digital gift certificate verification center, the information of the NFR-based digital gift certificate verification center including: a contact address of the NFR-based digital gift certificate authority, a telephone of the NFR-based digital gift certificate authority, and/or website information of the NFR-based digital gift certificate authority.
As a preferred embodiment, the digital gift certificate plaintext digital identity card further comprises: the NFR-based digital gift certificate service center information includes complaint telephones or other related information.
As a preferred embodiment, the digital gift certificate plaintext digital identity card further comprises: information of the bank or financial institution including a contact address of the bank or financial institution, a phone of the bank or financial institution and/or website information of the bank or financial institution.
As a preferred embodiment, the digital gift certificate plaintext digital identity card further comprises: information of the digital gift certificate insurance company, the information of the digital gift certificate insurance company including a contact address of the digital gift certificate insurance company, a phone of the digital gift certificate insurance company, and/or website information of the digital gift certificate insurance company.
As a preferred embodiment, the digital gift certificate plaintext digital identity card further comprises: information of a digital gift certificate regulatory unit, the information of the digital gift certificate regulatory unit including: complaint telephone numbers or other relevant information of digital gift certificate administration units.
As a preferred embodiment, if the digital gift certificate can be used only once, the value of the digital gift certificate is expressed in plain text; if the digital gift certificate can be used for multiple times, the value and balance of the digital gift certificate are not disclosed in consideration of privacy protection; partial or all information of the digital gift certificate plaintext digital identity card is stored in different participating units of the digital gift certificate trading platform, for example, the trading platform needs to record all digital gift certificate information traded on the trading platform.
In a preferred embodiment, the digital gift certificate plaintext digital identity card is issued by a centralized platform, and the centralized platform is a government agency or an institution of the government agency. The centralized platform makes the digital gift certificate plaintext digital identity card, and the centralized organization can also use the digital gift certificate identity card. If the transaction system of the digital gift certificate uses a centralized mechanism, the digital gift certificate issuing platform needs to apply for the digital identity card of an issuer to the centralized platform, and the digital gift certificate issuing platform can issue the digital gift certificate after receiving the digital identity card of the issuer; the digital identity card of the issuing merchant can be applied in advance or in real time; the digital identity card of the issuing merchant is in a form of using an international standard LEI (legal Entity identifier), a Chinese industrial and commercial registration number or using both the international standard and the domestic standard so as to facilitate the use of both international and domestic trade.
In a preferred embodiment, the digital identity card of the digital gift certificate is stored in a blockchain system of different organizations (such as an issuing platform and an authentication platform, and other organizations), so that data corresponding to the digital identity card of the digital gift certificate cannot be changed.
In a preferred embodiment, the data structure further includes a digital identification card of the digital gift certificate verification center, so that the verification center processing the digital gift certificate can be determined from the digital identification card of the digital gift certificate.
The above data structure avoids the following problems: some merchants may intentionally issue the same digital gift certificate on multiple issuing platforms to fraud customers, and since the digital gift certificate contains information on the issuing platform side, their actions may result in two completely different digital identity cards, requiring two different services and products to be provided. Due to the digital identification card design of the digital gift certificate, any query, whether from a customer or a related business, can be easily validated.
The implementation of this embodiment is such that:
1. for risk 1, the digital gift certificate is difficult to forge: the client, 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, the merchant hardly has 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 the loss caused by the failure of closing the merchant: even if the merchant is unable to provide the corresponding service, the customer is not lost because funds are present in the escrow bank. Even if the bank has problems, the insurance company is used as a backup support;
4. for risk 4, the customer, because of moving or other factors, may retain the legacy digital gift certificate rights: in this case, the customer can sell the digital gift certificate at the exchange, and get the balance on the digital gift certificate, so that the customer gets little actual loss. Since the purchase will be open, the available funds and the remaining balance will not be consistent, but a partial balance is obtained to prevent large losses as a better result.
5. For risk 5, the loss caused by incomplete logistics is avoided: the customer does not have any loss because the customer 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. Since the logistics company will report the delivery situation to the bank, the bank can investigate this. If the merchant is on schedule and there is logistics to confirm the delivery, the bank can force payment to the merchant.
7. As for risk 7, a real-name system is required for issuing the digital gift certificates, and the transfer of the digital gift certificates is also the real-name system, so that if the non-compliance behavior of the third party for resale occurs, the exchange and the verification center can quickly find out which customers frequently resale large batches of digital gift certificates and which third parties frequently sell digital gift certificates with lower actual prices; upon discovery, the supervising entity can track 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 data structure of a digital gift certificate based on NFR, wherein the digital gift certificate is participated in by different merchants, a digital gift certificate issuing platform based on NFR, a digital gift certificate transaction platform based on NFR, a digital gift certificate verification center based on NFR, a digital gift certificate customer service center based on NFR, a banking or financial institution, insurance, a regulatory unit, and a logistics unit, comprising:
an NFR digital identification card for confirming an NFR identity as a digital gift certificate of the NFR;
the digital gift certificate plaintext digital identity card is used for verifying the identity of the digital gift certificate; wherein the digital gift certificate plaintext digital identification card comprises a digital gift certificate issuing date, a digital gift certificate issuing time, a digital identification card of a digital gift certificate issuing merchant, an internal digital gift certificate number of the digital gift certificate issuing merchant and a digital identification card of an NFR-based digital gift certificate issuing platform; the information in the digital gift certificate plaintext digital identity card is public information and appears in a plaintext mode;
the digital identity card of the digital gift certificate is determined based on a hash value generated by a digital identity card of a plaintext of the digital gift certificate, namely the digital identity card of the plaintext of the digital gift certificate conforms to the hash of the digital identity card of the plaintext of the digital gift certificate and serves as the digital identity card of the digital gift certificate; the digital gift certificate issuing platform stores the digital identity card in the block chain system, so that the digital gift certificate has a unique and unique digital identity card, the digital gift certificate issuing platforms do not need to be synchronized to maintain the consistency among the respective digital identity cards, and each digital gift certificate issuing platform only needs to maintain the data consistency in the system; or the digital identification card of the digital gift certificate is not included, and part or all of the organizations participating in the digital gift certificate transaction system select the plain text digital identification card of the digital gift certificate and the NFR digital identification card of the digital gift certificate as the digital identification card of the digital gift certificate;
and the authentication information base is used as an interface for external inquiry data through an authentication mark, the authentication mark is a two-dimensional code and website information, and any client or person can use the two-dimensional code or the website information to inquire the correctness of the corresponding digital gift certificate information.
2. The NFR-based digital gift certificate data structure of claim 1, wherein the digital gift certificate issuing merchant internal digital gift certificate number is omitted.
3. The data structure of an NFR-based digital gift certificate of claim 1 or 2, wherein the digital identification card of the issuing merchant of the digital gift certificate includes issuing merchant information of the digital gift certificate, the issuing merchant information including: the business name, the registration place, the business information, the bank information and/or the credit points of the digital gift certificate issuing merchant which issued the digital gift certificate in the past;
the digital identity card of the NFR-based digital gift certificate issuing platform comprises: the name of the issuing platform party, the registration place, the information of the issuing platform party, the bank information of the issuing platform party and/or the credit points of the digital gift certificate issued by the NFR-based digital gift certificate issuing platform in the past.
4. The NFR-based digital gift certificate data structure of claim 3, wherein the digital gift certificate plaintext digital id card further comprises:
the age, value, service description, and product description of the digital coupon;
information of an NFR-based digital gift certificate verification center, the information of the NFR-based digital gift certificate verification center including: contact addresses of the NFR-based digital gift certificate verification center, phone numbers of the NFR-based digital gift certificate verification center, and/or website information of the NFR-based digital gift certificate verification center;
information of an NFR-based digital coupon service center, the information of the NFR-based digital coupon service center including a complaint telephone or other related information;
information of a bank or financial institution, the information of the bank or financial institution including a contact address of the bank or financial institution, a telephone of the bank or financial institution and/or website information of the bank or financial institution;
information of the digital gift certificate insurance company, the information of the digital gift certificate insurance company includes the contact address of the digital gift certificate insurance company, the telephone of the digital gift certificate insurance company and/or website information of the digital gift certificate insurance company;
information of a digital gift certificate regulatory unit, the information of the digital gift certificate regulatory unit including: complaint telephone or other related information of the digital gift certificate administration unit.
5. The data structure of an NFR-based digital gift certificate according to claim 1, wherein if the digital gift certificate is used only once, a value of the digital gift certificate is expressed in plaintext; if the digital gift certificate can be used for a plurality of times, the value and balance of the digital gift certificate are not disclosed; and storing part or all of information of the digital gift certificate plaintext digital identity card on different participating units of the digital gift certificate trading platform.
6. The NFR-based digital gift certificate data structure of claim 1, wherein said digital gift certificate plain-text digital id card is issued by a centralized platform, said centralized platform being a government agency or an institution of government agencies; the centralized platform makes a digital gift certificate plaintext digital identification card, which the centralized organization can also use.
7. The NFR-based data structure of digital gift certificates of claim 6, wherein if the transaction system of the digital gift certificates employs a centralized mechanism, the digital gift certificate issuing platform needs to apply for the digital gift certificate issuing merchant digital id to the centralized platform, and the digital gift certificate issuing platform can issue the digital gift certificates only after receiving the digital gift certificate issuing merchant digital id; the digital identification card of the digital gift certificate issuing merchant can be applied in advance or in real time.
8. The data structure of an NFR-based digital gift certificate of claim 7, wherein the digital gift certificate issuing merchant digital identification card is in a form of using international standard lei (legal Entity identifier), chinese industry registered number or both international and domestic standard.
9. The NFR-based data structure of digital gift certificate of claim 1, wherein the digital id card of the digital gift certificate is stored in a blockchain system of different organizations of the digital gift certificate transaction system, so as to ensure that the data corresponding to the digital id card of the digital gift certificate cannot be changed.
10. The data structure of an NFR-based digital gift certificate of claim 1, wherein the data structure further comprises a digital identification card of the digital gift certificate verification center, and the verification center that processes the digital gift certificate is determined by the digital gift certificate digital identification card.
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Application publication date: 20220722 |