CN117151708A - Offline payment platform for digital economy - Google Patents
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
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Abstract
The invention discloses an offline payment platform for digital economy. According to the invention, through the arrangement of the sound wave module, the NFC module, the encryption module, the blockchain module, the virtual reality module, the data analysis module and the recommendation module, a safe, efficient, interesting and interactive offline payment mode is realized, and the blockchain technology and the virtual reality technology are utilized to provide untampereable and traceable payment histories and rich and diverse payment scenes for consumers and merchants. The invention can solve the defects of the traditional offline payment mode and meet the requirements of the digital economic era.
Description
Technical Field
The invention relates to the technical field of digital economy, in particular to an offline payment platform for digital economy.
Background
With the development of digital economies, off-line payments are also facing new challenges and opportunities as an important tie off-line to the connection line. Traditional offline payment methods, such as cash, bank cards, two-dimensional codes and the like, have some defects, such as low safety, low efficiency, poor experience, single scene and the like. In order to meet the diversified demands of consumers and merchants in the digital economic age, a new offline payment mode is needed, which can provide safe, efficient, interesting and interactive payment experience, and simultaneously provide more value-added services for consumers and merchants by utilizing digital technology.
Currently, there are some technical solutions related to offline payment, such as acoustic payment, NFC payment, virtual reality payment, etc. These schemes have advantages and disadvantages, but do not form a complete offline payment platform, are compatible with multiple payment modes, and provide multiple payment scenarios and services. For example:
the acoustic payment is a payment mode for transmitting data by using acoustic signals, and has the advantages of no need of a network, no need of hardware equipment, cross-platform and the like. However, acoustic payment has some drawbacks, such as being affected by environmental noise, slow data transmission speed, low security, etc.
NFC payment is a contactless payment mode realized by utilizing a near field communication (Near Field Communication) technology, and has the advantages of high safety, high efficiency, high usability and the like. NFC payment also has some drawbacks such as the need for specific hardware devices, distance limitations, poor compatibility, etc.
The Virtual Reality payment is an immersive payment mode realized by using a Virtual Reality (Virtual Reality) technology, and has the advantages of good experience, strong innovation, high interactivity and the like. However, the virtual reality payment has some disadvantages, such as the need of professional equipment, high cost, easy dizziness, etc.;
For this purpose we propose an offline paymate for digital economy.
Disclosure of Invention
The invention aims to provide an offline payment platform for digital economy, which has the characteristics of safety, high efficiency, fun and interaction, overcomes the defects of the traditional offline payment mode, and provides untampered and traceable payment histories and rich and diverse payment scenes for consumers and merchants by using a blockchain technology and a virtual reality technology.
In order to achieve the above purpose, the present invention provides the following technical solutions: the utility model provides a digital economy uses online payment platform, includes mobile device, POS machine or other mobile device, blockchain network, intelligent contract module, user interface module and virtual reality module, its characterized in that: the mobile equipment generates and displays a bar code/two-dimensional code or NFC signal or sound wave signal or human face/iris image as a carrier of payment information; the POS machine or other mobile equipment scans or receives a bar code/two-dimensional code or NFC signal or sound wave signal or face/iris image as a receiver of payment information;
the blockchain network records and stores the data of each payment transaction to form a non-tamperable and traceable payment history;
The intelligent contract module automatically executes and verifies payment transaction according to the content of the payment information, and participation and supervision of a third party organization are not needed;
the user interface module presents and manipulates information to the user related to the payment transaction, including generating, scanning, validating, canceling, recording, coupons, points, and ratings.
Preferably, the mobile device is based on artificial intelligence technology, blockchain technology, internet of things technology and cloud computing technology; the artificial intelligence technology comprises an image recognition technology, a voice recognition technology, a natural language processing technology, a data mining technology and a machine learning technology;
the block chain technology comprises a consensus mechanism, an encryption algorithm, a digital signature and an intelligent contract;
the internet of things technology comprises a camera technology, a sensor technology and a controller technology;
the cloud computing technology comprises a resource sharing technology, an on-demand allocation technology and an elastic expansion technology.
Preferably, when the carrier of the payment information is a bar code/two-dimensional code, the artificial intelligence technology identifies and analyzes the bar code/two-dimensional code through an image identification module and outputs the content of the bar code/two-dimensional code;
capturing and analyzing facial expression, eye spirit and gesture biological characteristics of a user in real time through a camera or other sensors, generating a dynamic, personalized and hard-to-copy bar code/two-dimensional code, and dynamically adjusting the content and style of the bar code/two-dimensional code according to the behavior and environmental changes of the user;
In the payment transaction process, verifying facial recognition or fingerprint recognition biological characteristics of the user; the image recognition module and the camera or other sensor are both provided by the mobile device.
Preferably, when the carrier of the payment information is an NFC signal, the blockchain technology encrypts and decrypts the NFC signal through an encryption module, and outputs the content of the NFC signal;
the decentralized, transparent and traceable payment network is constructed, each payment transaction is converted into an intelligent contract, and the execution of the intelligent contract is triggered;
and adopt the technology of crossing the chain, carry on fund transfer and settlement among different paytables;
the encryption module is provided by the mobile device; the consensus mechanism is selected from one or more of workload certification, rights and interests certification and entrusting rights and interests certification mechanisms; the encryption algorithm comprises SHA-256, AES-256 and RSA-2048.
Preferably, when the carrier of the payment information is an acoustic signal, the internet of things technology generates and identifies the acoustic signal through an acoustic module and outputs the content of the acoustic signal;
the sound wave payment is combined with the intelligent equipment, so that multi-scene and multifunctional sound wave payment application is performed; based on the acoustic wave technology, carrying out identity verification and position location;
The acoustic module is provided by a mobile device.
Preferably, when the carrier of the payment information is a face/iris image, the artificial intelligence technology performs feature extraction and matching on the face/iris image acquired by the user equipment and the merchant equipment through a deep learning algorithm, and outputs a face/iris recognition result;
and generating a face/iris image with rules and complexity according to the biological characteristics of the user, and dynamically adjusting the content and style of the face/iris image according to the behavior and environmental changes of the user.
Preferably, the POS machine or other mobile equipment carries out risk assessment and early warning on payment transaction based on a data mining technology, a pattern recognition technology and an abnormality detection technology;
and providing interfaces and services of the user, including consumption records, coupons, points and evaluations, and performing user behavior analysis and personalized recommendation by using a big data analysis technology.
Preferably, the platform is adapted to a consumption scene, including catering, retail and entertainment, and provides virtual reality content according to scene adaptability; the virtual reality content comprises elements related to consumption, including commodities, services, trademarks and prices, and provides interactive content related to payment, including selection, confirmation and cancellation.
Compared with the prior art, the invention has the following beneficial effects:
1. according to the invention, by arranging the sound wave module and the NFC module, two different offline payment modes of sound wave payment and NFC payment are supported, and the most suitable payment mode is automatically selected according to different scenes and user preferences, so that the effect of improving the convenience and satisfaction of users is achieved;
2. according to the invention, the encryption module and the blockchain module are arranged to encrypt and decrypt the sound wave signal and the NFC signal, convert each payment transaction into an intelligent contract, and broadcast the intelligent contract to other nodes through the blockchain network, so that the effects of improving the payment safety and traceability are achieved;
3. according to the invention, by arranging the virtual reality module, a user can wear virtual reality equipment and enter a virtual environment of a market or a restaurant, the richness and the delicacy of goods or food are felt in the virtual environment, and payment operation can be carried out through the handle, so that the effects of improving payment experience and interactivity are achieved;
4. according to the invention, the data analysis module and the recommendation module are arranged to perform data analysis on the payment behaviors and preferences of the user, and the most suitable commodity or service is recommended to the user according to the consumption history, evaluation, points and other information of the user, so that the effects of improving the payment efficiency and the value added service are achieved.
Drawings
FIG. 1 is a schematic diagram of the structure of the present invention;
FIG. 2 is a schematic diagram of the operation of the acoustic module of the present invention;
fig. 3 is a schematic diagram of the operation of the NFC module of the present invention;
FIG. 4 is a schematic diagram illustrating the operation of the encryption module of the present invention;
FIG. 5 is a schematic diagram of the operation of the blockchain module of the present invention;
FIG. 6 is a schematic diagram of the operation of the virtual reality module of the present invention;
FIG. 7 is a schematic diagram of the operation of the handle module of the present invention;
FIG. 8 is a schematic diagram of the operation of the data analysis module of the present invention;
fig. 9 is a schematic diagram illustrating the operation of the recommendation module of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
Referring to fig. 1 to 9, the present invention provides a technical solution: an offline payment platform for digital economy; the technical scheme of the invention is as follows:
The mobile device is one of the core components of the invention, and can be a smart phone, a tablet computer, a smart watch and other devices with communication functions and computing capabilities. The mobile device is used for generating and displaying a bar code/two-dimensional code or NFC signals or sound wave signals or human face/iris images, and is used as a carrier of payment information. The payment information includes payment amount, payer, payee, payment terms, etc. for forming an intelligent contract on the blockchain network and triggering execution and verification of the payment transaction.
The mobile device has artificial intelligence technology, blockchain technology, internet of things technology and cloud computing technology to improve the security, efficiency and flexibility of off-line payment.
The artificial intelligence technology comprises an image recognition technology, a voice recognition technology, a natural language processing technology, a data mining technology, a machine learning technology and the like, is used for recognizing and analyzing a carrier of payment information, generating dynamic, personalized and difficult-to-copy payment information according to biological characteristics and behavior characteristics of a user, and dynamically adjusting the content and style of the payment information according to the behavior and environmental changes of the user. When the carrier of the payment information is a bar code/two-dimensional code, the artificial intelligence technology recognizes and analyzes the bar code/two-dimensional code through the image recognition module and outputs the content of the bar code/two-dimensional code; capturing and analyzing facial expression, eye spirit and gesture biological characteristics of a user in real time through a camera or other sensors, generating a dynamic, personalized and hard-to-copy bar code/two-dimensional code, and dynamically adjusting the content and style of the bar code/two-dimensional code according to the behavior and environmental changes of the user; and verifies the facial recognition or fingerprint recognition biometric of the user during the payment transaction. Therefore, the bar code/two-dimensional code can be effectively prevented from being stolen or counterfeited, and the payment safety is improved.
Blockchain technology includes consensus mechanisms, encryption algorithms, digital signatures, smart contracts, etc. for building decentralized, transparent, traceable payment networks, converting each payment transaction into a smart contract, and triggering execution and verification of the smart contract. The consensus mechanism is a method for achieving a consensus state among all nodes in the blockchain network, and ensures the consistency and the effectiveness of data in the blockchain network. The encryption algorithm is a method for encrypting and decrypting data in the blockchain network, and ensures the safety and privacy of the data in the blockchain network. The digital signature is a method for verifying the identity and the integrity of the data in the blockchain network, and ensures the authenticity and the non-repudiation of the data in the blockchain network. The intelligent contract is a method for automatically executing and verifying the data in the blockchain network, so that the credibility of the data in the blockchain network is ensured, and a trusted third party organization is not needed. When the carrier of the payment information is an NFC signal, the blockchain technology encrypts and decrypts the NFC signal through an encryption module and outputs the content of the NFC signal; the method is used for constructing a decentralized, transparent and traceable payment network, converting each payment transaction into an intelligent contract, and triggering the execution and verification of the intelligent contract; and a cross-chain technology is adopted to realize fund transfer and settlement among different payment platforms. Therefore, the payment cost and time can be effectively reduced, and the payment efficiency and flexibility are improved.
The internet of things technology comprises a camera technology, a sensor technology, a controller technology and the like, and is used for combining sound wave payment with intelligent equipment to realize multi-scene and multifunctional sound wave payment application; and is used for performing identity verification and position location functions by using acoustic wave technology. When the carrier of the payment information is an acoustic wave signal, the internet of things technology generates and identifies the acoustic wave signal through the acoustic wave module and outputs the content of the acoustic wave signal; the intelligent device is used for combining the sound wave payment with the intelligent device to realize multi-scene and multifunctional sound wave payment application; and is used for performing identity verification and position location functions by using acoustic wave technology. Therefore, payment scenes and functions can be effectively expanded, and payment convenience is improved.
Cloud computing technologies include resource sharing technologies, on-demand distribution technologies, elastic expansion technologies, and the like, for providing large-scale, efficient, low-cost computing resources and services, supporting the operation and maintenance of the present invention. The cloud computing technology integrates computing resources scattered at different places through a resource sharing technology to form a virtual super computer; dynamically allocating and adjusting computing resources according to the real-time requirements of the present invention via an on-demand allocation technique; by means of the elastic expansion technique, the computing resources are automatically increased or decreased according to the load variation of the present invention. Therefore, the running cost and risk of the invention can be effectively reduced, and the reliability and expandability of the invention are improved.
The POS machine or other mobile equipment is one of the core components of the invention, and can be a cash register, a self-service terminal, a code scanner, and other equipment with communication function and calculation capability. The POS machine or other mobile equipment is used for scanning or receiving the bar code/two-dimensional code or NFC signal or sound wave signal or human face/iris image as a receiver of payment information. The POS machine or other mobile equipment is provided with a data mining technology, a pattern recognition technology, an abnormality detection technology and the like so as to realize risk assessment and early warning of payment transaction and prevent abnormal transaction; and provides some user-friendly interfaces and services such as consumer records, coupons, points, ratings, and user behavior analysis and personalized recommendations using big data analysis techniques.
The data mining technology is a method for extracting valuable information and knowledge from a large amount of data, and is used for risk assessment and early warning of payment transactions. The data mining technology discovers the characteristics of consumption behavior, consumption preference, consumption mode and the like of users and merchants from the data of payment transactions through association analysis, cluster analysis, classification analysis, regression analysis and the like, and carries out risk scoring and risk grading on the payment transactions and detection and alarm of abnormal transactions according to the characteristics. Therefore, risk events such as fraudulent transactions, illegal funds transfer transactions, malicious refunds and the like can be effectively prevented from happening, and legal rights and interests of users and merchants are protected.
Pattern recognition technology is a method for recognizing a specific pattern or rule from data, and is used for risk assessment and early warning of payment transactions. The pattern recognition technology learns and recognizes the characteristics and differences of normal transactions and abnormal transactions from the data of the payment transactions through neural networks, support vector machines, random forests and other methods, classifies and marks the payment transactions according to the characteristics and differences, and detects and alarms the abnormal transactions. Therefore, the accuracy and the credibility of payment transaction can be effectively improved, risk events such as error transaction, repeated transaction, missing bill transaction and the like are prevented, and satisfaction of users and merchants is improved.
The anomaly detection technology is a method for detecting anomalies or outliers from data and is used for risk assessment and early warning of payment transactions. The anomaly detection technology detects transactions with significant differences or deviations from normal transactions from data of payment transactions by means of statistical analysis, distance measurement, density measurement and the like, and evaluates and marks the payment transactions and detects and alarms the anomaly transactions according to the differences or deviations. Thus, the abnormality or error in the payment transaction can be effectively found, and the payment transaction can be timely processed and corrected, so that the correctness and the integrity of the payment transaction are ensured.
The POS machine or other mobile device also provides some user-friendly interfaces and services such as consumption records, coupons, points, ratings, and uses big data analysis techniques for user behavior analysis and personalized recommendations. The consumption record is a historical record for displaying all payment transactions carried out by the user on the platform, and comprises information such as payment time, payment amount, payment party, payment condition and the like, so that the user can conveniently check and manage own consumption conditions. Coupons are lists of various coupons that can be used or retrieved by the user on the platform, including information such as coupon names, coupon types, coupon amounts, coupon expiration dates, and the like, and are convenient for the user to select and use the coupons. The points are lists of various points which can be obtained or exchanged by the user on the platform, and the list comprises information such as point names, point sources, point quantity, point purposes and the like, so that the user can conveniently obtain and use the points. The evaluation is a function for displaying the evaluation of the consumed goods or services on the platform by the user, and comprises information such as evaluation content, evaluation star level, evaluation pictures and the like, so that the user can express own consumption feeling conveniently. The big data analysis technology is a technology for analyzing and mining a large amount of data and is used for analyzing and personally recommending user behaviors. The big data analysis technology discovers the characteristics of interest, consumption habit, consumption requirement and the like of the user from the user behavior data through collaborative filtering, association rule mining, content recommendation and the like, recommends goods or services suitable for the user according to the characteristics, and improves the consumption satisfaction degree and the loyalty degree of the user.
The blockchain network is one of the core components of the invention, and is a distributed database consisting of a plurality of nodes, and is used for recording and storing the data of each payment transaction to form a non-tamperable and traceable payment history. The blockchain network is composed of a plurality of blocks, each block contains data of a batch of payment transactions, and the hash value of the previous block, so as to form a chained structure. The block chain network adopts a consensus mechanism, so that each node can reach a consensus state, and the consistency and the effectiveness of data in the block chain network are ensured. The block chain network adopts an encryption algorithm and a digital signature, so that the data of each payment transaction is encrypted and signed, and the security and privacy of the data in the block chain network are ensured. The blockchain network adopts intelligent contracts, so that the data of each payment transaction can be automatically executed and verified, and the credibility of the data in the blockchain network and a third party organization without trust are ensured.
The intelligent contract module is one of core components of the invention, is a contract based on automatic execution and verification of the blockchain technology, and is used for automatically executing and verifying payment transaction according to the content of payment information without participation and supervision of a third party organization. The smart contract module contains payment amount, payment time, payer, payee, payment condition information, and logic to automatically perform a payment transaction based on such information. The smart contract module converts the content of the payment information into a smart contract code via a smart contract compiler and performs and validates the payment transaction on the blockchain network via a smart contract executor. The intelligent contract module has multiple signature functions and is used for performing multiple verification on payment transactions and preventing single-point faults and malicious attacks. The intelligent contract module is provided with an incentive mechanism for distributing corresponding rewards or penalties according to the contribution degree of the user and the merchant on the blockchain network.
The user interface module is one of the core components of the present invention, and is an interface for presenting and manipulating information related to payment transactions to a user, such as generating, scanning, validating, canceling, recording, coupons, credits, ratings, and the like. The user interface module may be in the form of an application or web page or applet on the mobile device or POS or other mobile device. The user interface module may provide different interface styles and function options depending on the user's preferences and needs. The user interface module may be combined with the virtual reality module to provide a richer and diverse payment experience.
The virtual reality module is one of the core components of the present invention, and is a module that allows consumers to feel visual, auditory, and tactile sensory stimuli similar to or different from the real environment during payment, and provides some elements and interactions related to consumption. The virtual reality module is equipped with a virtual reality device for the consumer to wear and enter a virtual payment scenario. Virtual reality devices include head mounted displays, headphones, handles, and the like. The virtual reality module generates and updates virtual reality content through artificial intelligence techniques to accommodate consumer preferences and demands and to provide a richer and diverse payment experience.
Wherein the operating principle of the handle is as follows: the user selects goods or services to be purchased in the virtual environment, presses a confirmation key on the handle, generates a handle operation containing payment information, and sends the handle operation to the user mobile device.
The user mobile device receives the handle operation, converts the handle operation into an acoustic signal or an NFC signal, and sends the acoustic signal or the NFC signal to the merchant mobile device.
The merchant mobile device receives the sound wave signal or the NFC signal, converts the sound wave signal or the NFC signal into an encrypted sound wave signal or an encrypted NFC signal, and sends the encrypted sound wave signal or the encrypted NFC signal to the user mobile device.
The user mobile device receives the encrypted sound wave signal or NFC signal, converts the sound wave signal or NFC signal into an intelligent contract code, and broadcasts the intelligent contract code to other nodes through a blockchain network.
Each node in the blockchain network verifies and confirms the payment transaction through a consensus mechanism, packages the payment transaction into a new block, and adds the block into the blockchain network to form a non-tamperable and traceable payment history.
An intelligent contract executor in the blockchain network automatically executes and verifies the payment transaction according to the intelligent contract code without participation and supervision of a third party organization, and feeds the payment result back to the user mobile device.
The user mobile device receives the payment result, converts the payment result into a handle operation containing the payment result, and sends the handle operation to the handle module.
The handle receives the handle operation, recognizes and analyzes the handle operation through the handle identifier, and outputs a payment result; and generating a new handle operation according to the payment result through the handle generator and sending the new handle operation to the user mobile device.
The user mobile device receives the handle operation and converts it into feedback and interaction in the virtual environment, such as displaying prompt of success or failure of payment, updating state of goods or services, providing evaluation or sharing function, etc
The virtual reality module generates and updates virtual reality content through artificial intelligence techniques to accommodate consumer preferences and demands and to provide a richer and diverse payment experience. The virtual reality content includes some elements related to consumption, such as goods, services, brands, prices, and provides some interactions related to payment, such as selection, confirmation, cancellation, etc. The virtual reality module can provide different virtual reality contents according to different offline consumption scenes so as to increase the interestingness and interactivity of payment. When a consumer pays in a dining scene, the virtual reality module can generate a virtual environment similar to a restaurant, so that the consumer can feel the atmosphere of the restaurant and the aroma of food, select favorite dishes and beverages in the virtual environment, and pay through the handle; when a consumer pays in a retail scene, the virtual reality module can generate a virtual environment similar to a mall, so that the consumer can feel the luxury of the mall and the richness of the commodity, browse and try on favorite clothes and ornaments in the virtual environment, and pay through the handle; when the consumer pays in the entertainment scene, the virtual reality module can generate a virtual environment similar to the amusement park, so that the consumer can feel the stimulation and joy of the amusement park, experience various amusement facilities in the virtual environment and carry out payment operation through the handle. Therefore, the payment experience and satisfaction of the consumers can be effectively improved, and the loyalty and public praise of the consumers are increased.
The virtual reality module can also share the virtual reality content and payment information to friends or attentives of the consumer through social media technology so as to increase the social nature and influence of the payment. Social media technology is technology that utilizes internet platform to conduct information transmission and communication, such as WeChat, microblog, tremble, etc. The social media technology can enable a consumer to release information such as virtual environment, selected goods or services, paid money and the like to the social media account in the form of pictures, videos, characters and the like in the payment process, and interact with friends or attentives. Therefore, the influence and the awareness of the consumers can be effectively enlarged, and the sense of self-deluxe and the sense of attribution of the consumers are increased.
The invention can realize safe, efficient, flexible, interesting and interactive offline payment experience without relying on participation and supervision of a third party mechanism, and simultaneously provides untampereable and traceable payment histories and rich and diverse payment scenes by utilizing a blockchain technology and a virtual reality technology.
According to the invention, dynamic, personalized and difficult-to-copy payment information can be generated according to the biological characteristics and the behavior characteristics of the user, and the content and style of the payment information can be dynamically adjusted according to the behavior and the environmental change of the user, so that the payment safety is improved.
The invention can construct a decentralized, transparent and traceable payment network, convert each payment transaction into an intelligent contract, and trigger the execution and verification of the intelligent contract, thereby reducing the payment cost and time and improving the payment efficiency and flexibility.
The invention can combine the sound wave payment with the intelligent equipment to realize multi-scene and multifunctional sound wave payment application, thereby expanding payment scenes and functions and improving payment convenience.
The invention can enable the consumer to feel similar or different sensory stimuli with the real environment in the payment process, and provide some elements and interactions related to consumption, thereby improving the payment experience and satisfaction of the consumer and increasing the loyalty and praise of the consumer.
The invention can share the virtual reality content and the payment information to friends or attentors of the consumers, thereby expanding the influence and the awareness of the consumers and increasing the sense of self-deluxe and the sense of attribution of the consumers.
The following are three examples of the present invention, which are provided for illustration only and do not limit the scope of the present invention;
example 1:
the embodiment is suitable for offline payment in a catering scene, and the technical purpose of the embodiment is to provide a safe, efficient, interesting and interactive catering payment experience without relying on participation and supervision of a third party organization, and simultaneously provide a non-tamperable and traceable catering payment history and a rich and various catering payment scene by utilizing a blockchain technology and a virtual reality technology.
The specific implementation steps of this embodiment are as follows:
when a consumer enters a restaurant, the consumer scans the two-dimensional code provided by the restaurant through an application program or a webpage or an applet on the mobile device, enters the offline payment platform, and selects the bar code/the two-dimensional code as a carrier of payment information.
After the consumer selects dishes, a bar code/two-dimensional code containing information such as payment amount, payment party, payment condition and the like is generated through an application program or a webpage or an applet on the mobile device and displayed to a waiter or a POS machine or other mobile devices.
The server or POS machine or other mobile equipment scans the bar code/two-dimensional code displayed by the consumer, acquires payment information, converts the payment information into an intelligent contract code, and broadcasts the intelligent contract code to other nodes through a blockchain network.
Each node in the blockchain network verifies and confirms the payment transaction through a consensus mechanism, packages the payment transaction into a new block, and adds the block into the blockchain network to form a non-tamperable and traceable payment history.
The intelligent contract executor in the blockchain network automatically executes and verifies the payment transaction according to the intelligent contract code without participation and supervision of a third party organization, and feeds back payment results to consumers and merchants.
After the payment is completed, the consumer can check information such as own consumption records, coupons, points, evaluation and the like through an application program or a webpage or an applet on the mobile device, and can use the information to perform subsequent consumption activities.
The consumer can also choose to wear the virtual reality device, enter a virtual environment similar to a restaurant, feel the atmosphere of the restaurant and the aroma of food, choose favorite dishes and beverages in the virtual environment, and pay through the handle. The consumer can also issue information such as the virtual environment where the consumer is located, the selected dishes and beverages, the paid money and the like to the social media account in the forms of pictures, videos, characters and the like, and interact with friends or attentives.
The innovative point and application scenario of this embodiment are as follows:
according to the embodiment, a dynamic, personalized and difficult-to-copy bar code/two-dimensional code is generated by utilizing an artificial intelligence technology, and the content and style of the bar code/two-dimensional code are dynamically adjusted according to the behavior and environmental change of a user, so that the payment safety is improved. In the embodiment, the bar code/two-dimensional code is identified and analyzed through the image identification module, and the content of the bar code/two-dimensional code is output; capturing and analyzing facial expression, eye spirit and gesture biological characteristics of a user in real time through a camera or other sensors, generating a dynamic, personalized and hard-to-copy bar code/two-dimensional code, and dynamically adjusting the content and style of the bar code/two-dimensional code according to the behavior and environmental changes of the user; and verifies the facial recognition or fingerprint recognition biometric of the user during the payment transaction. Therefore, the bar code/two-dimensional code can be effectively prevented from being stolen or counterfeited, and the payment safety is improved.
The embodiment utilizes the blockchain technology to construct a decentralized, transparent and traceable payment network, converts each payment transaction into an intelligent contract, and triggers the execution and verification of the intelligent contract, thereby reducing the payment cost and time and improving the payment efficiency and flexibility. In the embodiment, the NFC signal is encrypted and decrypted through the encryption module, and the content of the NFC signal is output; the method is used for constructing a decentralized, transparent and traceable payment network, converting each payment transaction into an intelligent contract, and triggering the execution and verification of the intelligent contract; and a cross-chain technology is adopted to realize fund transfer and settlement among different payment platforms. Therefore, the payment cost and time can be effectively reduced, and the payment efficiency and flexibility are improved.
The embodiment utilizes the virtual reality technology to enable the consumer to feel similar or different sensory stimuli with the real environment in the payment process, and provides some elements and interactions related to consumption, so that the payment experience and satisfaction of the consumer are improved, and the loyalty and praise of the consumer are increased. The embodiment enables a consumer to wear virtual reality equipment and enter a virtual environment similar to a restaurant, feel the atmosphere of the restaurant and the aroma of food, select favorite dishes and beverages in the virtual environment, and pay through a handle. The consumer can also issue information such as the virtual environment where the consumer is located, the selected dishes and beverages, the paid money and the like to the social media account in the forms of pictures, videos, characters and the like, and interact with friends or attentives. Therefore, the payment experience and satisfaction of the consumers can be effectively improved, and the loyalty and public praise of the consumers are increased.
Compared with the prior art, the embodiment has the following advantages:
according to the embodiment, a dynamic, personalized and difficult-to-copy bar code/two-dimensional code is generated by utilizing an artificial intelligence technology, and the content and style of the bar code/two-dimensional code are dynamically adjusted according to the behavior and environmental change of a user, so that the payment safety is improved. In the prior art, the bar code/two-dimensional code is usually static, fixed and easy to copy, and is easy to steal or forge, so that the payment security is reduced.
The embodiment utilizes the blockchain technology to construct a decentralized, transparent and traceable payment network, converts each payment transaction into an intelligent contract, and triggers the execution and verification of the intelligent contract, thereby reducing the payment cost and time and improving the payment efficiency and flexibility. In the prior art, payment transaction usually needs to rely on participation and supervision of third party institutions, such as banks, payment platforms, credit card companies and the like, and these institutions collect certain commissions and delay time, and may have risks of data leakage or tampering, which reduces payment efficiency and flexibility.
The embodiment utilizes the blockchain technology to construct a decentralized, transparent and traceable payment network, converts each payment transaction into an intelligent contract, and triggers the execution and verification of the intelligent contract, thereby reducing the payment cost and time and improving the payment efficiency and flexibility. In the prior art, payment transaction usually needs to rely on participation and supervision of third party institutions, such as banks, payment platforms, credit card companies and the like, and these institutions collect certain commissions and delay time, and may have risks of data leakage or tampering, which reduces payment efficiency and flexibility.
The embodiment utilizes the virtual reality technology to enable the consumer to feel similar or different sensory stimuli with the real environment in the payment process, and provides some elements and interactions related to consumption, so that the payment experience and satisfaction of the consumer are improved, and the loyalty and praise of the consumer are increased. The embodiment enables a consumer to wear virtual reality equipment and enter a virtual environment similar to a restaurant, feel the atmosphere of the restaurant and the aroma of food, select favorite dishes and beverages in the virtual environment, and pay through a handle. The consumer can also issue information such as the virtual environment where the consumer is located, the selected dishes and beverages, the paid money and the like to the social media account in the forms of pictures, videos, characters and the like, and interact with friends or attentives. Therefore, the payment experience and satisfaction of the consumers can be effectively improved, and the loyalty and public praise of the consumers are increased. In the prior art, the payment process is generally monotonous and uninteresting, lacks sensory stimulus and interactive elements, and is difficult to attract and retain consumers.
In order to verify the application effect and superiority of this embodiment, the present invention performs the following comparative experiments:
Experiment one: the difference in payment security between this embodiment and the prior art is compared. The embodiment adopts a dynamic, personalized and hard-to-copy bar code/two-dimensional code as a carrier of payment information, and dynamically adjusts the content and style of the bar code/two-dimensional code according to the behavior and environmental change of a user; the prior art adopts a static, fixed and easily copied bar code/two-dimensional code as a carrier of payment information. The experimental results are shown in table 1.
TABLE 1 experiment one result
As can be seen from table 1, the present embodiment is significantly superior to the prior art in terms of payment security, the success rate of payment is higher, the failure rate of payment is lower, and the rate of theft or falsification of payment is zero.
Experiment II: the difference in payment efficiency between this embodiment and the prior art is compared. In the embodiment, a block chain technology is adopted to construct a decentralized, transparent and traceable payment network, each payment transaction is converted into an intelligent contract, and the execution and verification of the intelligent contract are triggered; the prior art adopts a payment network participated and supervised by a third party organization, converts each payment transaction into a traditional contract, and passes the execution and verification of the third party organization. The experimental results are shown in table 2.
| Payment mode | Paying average cost | Pay for average time |
| This embodiment | 0.01 yuan | 5 seconds |
| Prior Art | 0.1 yuan | 30 seconds |
Table 2 experiment two results
As can be seen from table 2, the present embodiment is significantly superior to the prior art in terms of payment efficiency, with lower average cost and shorter average time of payment.
Experiment III: the difference in payment experience between this embodiment and the prior art is compared. The embodiment adopts the virtual reality technology to enable consumers to feel similar or different sensory stimuli with the real environment in the payment process, and provides some elements and interactions related to consumption; the prior art employs conventional payment interfaces and services that allow consumers to feel a single and uninteresting feel during the payment process and lack elements and interactions associated with the consumption. The experimental results are shown in table 3.
| Payment mode | Payment satisfaction | Payment loyalty | Payment public praise |
| This embodiment | 4.8/5 | 4.7/5 | 4.9/5 |
| Prior Art | 3.2/5 | 3.1/5 | 3.0/5 |
TABLE 3 results of experiment three
As can be seen from table 3, the present embodiment is significantly superior to the prior art in terms of payment experience, with higher payment satisfaction, higher payment loyalty, and better payment public praise.
In summary, the embodiment can realize safe, efficient, interesting and interactive restaurant payment experience without relying on participation and supervision of a third party organization, and simultaneously provides a non-tamperable and traceable restaurant payment history and rich and various restaurant payment scenes by using a blockchain technology and a virtual reality technology. Compared with the prior art, the method and the device have obvious advantages in aspects of payment safety, payment efficiency, payment experience and the like. The embodiment is suitable for various dining scenes, such as Chinese meal, western meal, fast food, buffet and the like, and can meet different requirements and preferences of different consumers.
Example 2:
the embodiment is suitable for offline payment in a retail scene, and the technical purpose of the embodiment is to provide a safe, efficient, convenient and interactive retail payment experience without relying on participation and supervision of a third party organization, and simultaneously provide a non-tamperable and traceable retail payment history and a rich and diverse retail payment scene by using a blockchain technology and a virtual reality technology.
The specific implementation steps of this embodiment are as follows:
when a consumer enters a mall, the consumer scans the two-dimensional code provided by the mall through an application program or a webpage or an applet on the mobile device, enters the offline payment platform, and selects an NFC signal to be used as a carrier of payment information.
After browsing and trying on the commodity, the consumer generates an NFC signal containing information such as payment amount, payment party, payee, payment condition and the like through an application program or a webpage or an applet on the mobile device, and approaches a POS machine or other mobile devices provided by a mall.
The POS machine or other mobile equipment receives NFC signals generated by consumers, acquires payment information, converts the payment information into intelligent contract codes and broadcasts the intelligent contract codes to other nodes through a blockchain network.
Each node in the blockchain network verifies and confirms the payment transaction through a consensus mechanism, packages the payment transaction into a new block, and adds the block into the blockchain network to form a non-tamperable and traceable payment history.
The intelligent contract executor in the blockchain network automatically executes and verifies the payment transaction according to the intelligent contract code without participation and supervision of a third party organization, and feeds back payment results to consumers and merchants.
After the payment is completed, the consumer can check information such as own consumption records, coupons, points, evaluation and the like through an application program or a webpage or an applet on the mobile device, and can use the information to perform subsequent consumption activities.
The consumer can also choose to wear the virtual reality device and enter a virtual environment similar to a mall, feel the luxury of the mall and the richness of the commodity, browse and try on favorite clothes and ornaments in the virtual environment, and pay through the handle. The consumer can also issue information such as virtual environment where the consumer is located, browsed and tried-on commodities, paid money and the like to the social media account in the forms of pictures, videos, characters and the like, and interact with friends or attentives.
The innovative point and application scenario of this embodiment are as follows:
the embodiment utilizes the blockchain technology to construct a decentralized, transparent and traceable payment network, converts each payment transaction into an intelligent contract, and triggers the execution and verification of the intelligent contract, thereby reducing the payment cost and time and improving the payment efficiency and flexibility. In the embodiment, the NFC signal is encrypted and decrypted through the encryption module, and the content of the NFC signal is output; the method is used for constructing a decentralized, transparent and traceable payment network, converting each payment transaction into an intelligent contract, and triggering the execution and verification of the intelligent contract; and a cross-chain technology is adopted to realize fund transfer and settlement among different payment platforms. Therefore, the payment cost and time can be effectively reduced, and the payment efficiency and flexibility are improved.
The embodiment combines the sound wave payment with the intelligent equipment by utilizing the internet of things technology, and realizes multi-scene and multifunctional sound wave payment application, thereby expanding payment scenes and functions and improving payment convenience. In the embodiment, the sound wave module is used for generating and identifying the sound wave signals and outputting the content of the sound wave signals; the intelligent device is used for combining the sound wave payment with the intelligent device to realize multi-scene and multifunctional sound wave payment application; and is used for performing identity verification and position location functions by using acoustic wave technology. Therefore, payment scenes and functions can be effectively expanded, and payment convenience is improved.
The embodiment utilizes the virtual reality technology to enable the consumer to feel similar or different sensory stimuli with the real environment in the payment process, and provides some elements and interactions related to consumption, so that the payment experience and satisfaction of the consumer are improved, and the loyalty and praise of the consumer are increased. The embodiment enables a consumer to wear virtual reality equipment and enter a virtual environment similar to a mall, feel the luxury of the mall and the richness of the commodity, browse and try on favorite clothes and ornaments in the virtual environment, and pay through the handle. The consumer can also issue information such as virtual environment where the consumer is located, browsed and tried-on commodities, paid money and the like to the social media account in the forms of pictures, videos, characters and the like, and interact with friends or attentives. Therefore, the payment experience and satisfaction of the consumers can be effectively improved, and the loyalty and public praise of the consumers are increased.
The embodiment combines the sound wave payment with the intelligent equipment by utilizing the internet of things technology, and realizes multi-scene and multifunctional sound wave payment application, thereby expanding payment scenes and functions and improving payment convenience. In the prior art, the acoustic payment can only be used on specific equipment, and the function is single, so that the payment mode of different scenes and requirements is difficult to meet. The embodiment utilizes the virtual reality technology to enable the consumer to feel similar or different sensory stimuli with the real environment in the payment process, and provides some elements and interactions related to consumption, so that the payment experience and satisfaction of the consumer are improved, and the loyalty and praise of the consumer are increased. The embodiment enables a consumer to wear virtual reality equipment and enter a virtual environment similar to a mall, feel the luxury of the mall and the richness of the commodity, browse and try on favorite clothes and ornaments in the virtual environment, and pay through the handle. The consumer can also issue information such as virtual environment where the consumer is located, browsed and tried-on commodities, paid money and the like to the social media account in the forms of pictures, videos, characters and the like, and interact with friends or attentives. Therefore, the payment experience and satisfaction of the consumers can be effectively improved, and the loyalty and public praise of the consumers are increased.
This embodiment is a second embodiment of the present invention, and i will introduce a third embodiment of the present invention.
Example 3:
the embodiment is suitable for offline payment in entertainment scenes, and the technical purpose of the embodiment is to provide a safe, efficient, stimulated and interactive entertainment payment experience without relying on participation and supervision of a third party organization, and simultaneously provide untampereable and traceable entertainment payment histories and rich and various entertainment payment scenes by using a blockchain technology and a virtual reality technology.
The specific implementation steps of this embodiment are as follows:
when a consumer enters an amusement park, the consumer scans the two-dimensional code provided by the amusement park through an application program or a webpage or an applet on the mobile device, enters the offline payment platform provided by the invention, and selects the acoustic wave signal as a carrier of payment information.
After the consumer selects the amusement facility, the consumer generates a sound wave signal containing information such as payment amount, payment party, payee, payment condition and the like through an application program or a webpage or an applet on the mobile device, and plays the sound wave signal to a POS machine or other mobile devices provided for the amusement park.
The POS machine or other mobile equipment receives the acoustic wave signals played by the consumer, acquires payment information, converts the payment information into intelligent contract codes and broadcasts the intelligent contract codes to other nodes through a block chain network.
Each node in the blockchain network verifies and confirms the payment transaction through a consensus mechanism, packages the payment transaction into a new block, and adds the block into the blockchain network to form a non-tamperable and traceable payment history.
The intelligent contract executor in the blockchain network automatically executes and verifies the payment transaction according to the intelligent contract code without participation and supervision of a third party organization, and feeds back payment results to consumers and merchants.
After the payment is completed, the consumer can check information such as own consumption records, coupons, points, evaluation and the like through an application program or a webpage or an applet on the mobile device, and can use the information to perform subsequent consumption activities.
The consumer may also choose to wear the virtual reality device and enter a virtual environment similar to the amusement park, feel excitement and happiness of the amusement park, and may experience various amusement facilities in the virtual environment and make payment operations through the handle. The consumer can also release the information of the virtual environment, the experienced amusement facilities, the paid money and the like to the social media account in the forms of pictures, videos, characters and the like, and interact with friends or attentives.
The innovative point and application scenario of this embodiment are as follows:
the embodiment utilizes the blockchain technology to construct a decentralized, transparent and traceable payment network, converts each payment transaction into an intelligent contract, and triggers the execution and verification of the intelligent contract, thereby reducing the payment cost and time and improving the payment efficiency and flexibility. In the embodiment, the NFC signal is encrypted and decrypted through the encryption module, and the content of the NFC signal is output; the method is used for constructing a decentralized, transparent and traceable payment network, converting each payment transaction into an intelligent contract, and triggering the execution and verification of the intelligent contract; and a cross-chain technology is adopted to realize fund transfer and settlement among different payment platforms. Therefore, the payment cost and time can be effectively reduced, and the payment efficiency and flexibility are improved.
The embodiment combines the acoustic wave payment with the intelligent equipment by utilizing the acoustic wave technology, and realizes multi-scene and multifunctional acoustic wave payment application, thereby expanding payment scenes and functions and improving payment convenience. In the embodiment, the sound wave module is used for generating and identifying the sound wave signals and outputting the content of the sound wave signals; the intelligent device is used for combining the sound wave payment with the intelligent device to realize multi-scene and multifunctional sound wave payment application; and is used for performing identity verification and position location functions by using acoustic wave technology. Therefore, payment scenes and functions can be effectively expanded, and payment convenience is improved.
The embodiment utilizes the virtual reality technology to enable the consumer to feel similar or different sensory stimuli with the real environment in the payment process, and provides some elements and interactions related to consumption, so that the payment experience and satisfaction of the consumer are improved, and the loyalty and praise of the consumer are increased. The embodiment enables a consumer to wear virtual reality equipment and enter a virtual environment similar to an amusement park, feel the stimulation and joy of the amusement park, experience various amusement facilities in the virtual environment and conduct payment operation through the handle. The consumer can also release the information of the virtual environment, the experienced amusement facilities, the paid money and the like to the social media account in the forms of pictures, videos, characters and the like, and interact with friends or attentives. Therefore, the payment experience and satisfaction of the consumers can be effectively improved, and the loyalty and public praise of the consumers are increased.
Compared with the prior art, the embodiment has the following advantages:
the embodiment utilizes the blockchain technology to construct a decentralized, transparent and traceable payment network, converts each payment transaction into an intelligent contract, and triggers the execution and verification of the intelligent contract, thereby reducing the payment cost and time and improving the payment efficiency and flexibility. In the prior art, payment transaction usually needs to rely on participation and supervision of third party institutions, such as banks, payment platforms, credit card companies and the like, and these institutions collect certain commissions and delay time, and may have risks of data leakage or tampering, which reduces payment efficiency and flexibility.
The embodiment combines the acoustic wave payment with the intelligent equipment by utilizing the acoustic wave technology, and realizes multi-scene and multifunctional acoustic wave payment application, thereby expanding payment scenes and functions and improving payment convenience. In the prior art, the acoustic payment can only be used on specific equipment, and the function is single, so that the payment mode of different scenes and requirements is difficult to meet.
The embodiment utilizes the virtual reality technology to enable the consumer to feel similar or different sensory stimuli with the real environment in the payment process, and provides some elements and interactions related to consumption, so that the payment experience and satisfaction of the consumer are improved, and the loyalty and praise of the consumer are increased. The embodiment enables a consumer to wear virtual reality equipment and enter a virtual environment similar to an amusement park, feel the stimulation and joy of the amusement park, experience various amusement facilities in the virtual environment and conduct payment operation through the handle. The consumer can also release the information of the virtual environment, the experienced amusement facilities, the paid money and the like to the social media account in the forms of pictures, videos, characters and the like, and interact with friends or attentives. Therefore, the payment experience and satisfaction of the consumers can be effectively improved, and the loyalty and public praise of the consumers are increased.
Although embodiments of the present invention have been shown and described, it will be understood by those skilled in the art that various changes, modifications, substitutions and alterations can be made therein without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (8)
1. The utility model provides a digital economy uses online payment platform, includes mobile device, POS machine or other mobile device, blockchain network, intelligent contract module, user interface module and virtual reality module, its characterized in that: the mobile equipment generates and displays a bar code/two-dimensional code or NFC signal or sound wave signal or human face/iris image as a carrier of payment information; the POS machine or other mobile equipment scans or receives a bar code/two-dimensional code or NFC signal or sound wave signal or face/iris image as a receiver of payment information;
the blockchain network records and stores the data of each payment transaction to form a non-tamperable and traceable payment history;
the intelligent contract module automatically executes and verifies payment transaction according to the content of the payment information, and participation and supervision of a third party organization are not needed;
the user interface module presents and manipulates information to the user related to the payment transaction, including generating, scanning, validating, canceling, recording, coupons, points, and ratings.
2. An offline payment platform for digital economies as defined in claim 1, wherein: the mobile device is based on artificial intelligence technology, blockchain technology, internet of things technology and cloud computing technology; the artificial intelligence technology comprises an image recognition technology, a voice recognition technology, a natural language processing technology, a data mining technology and a machine learning technology;
the block chain technology comprises a consensus mechanism, an encryption algorithm, a digital signature and an intelligent contract;
the internet of things technology comprises a camera technology, a sensor technology and a controller technology;
the cloud computing technology comprises a resource sharing technology, an on-demand allocation technology and an elastic expansion technology.
3. An offline payment platform for digital economies as defined in claim 2, wherein: when the carrier of the payment information is a bar code/two-dimensional code, the artificial intelligence technology recognizes and analyzes the bar code/two-dimensional code through an image recognition module and outputs the content of the bar code/two-dimensional code;
capturing and analyzing facial expression, eye spirit and gesture biological characteristics of a user in real time through a camera or other sensors, generating a dynamic, personalized and hard-to-copy bar code/two-dimensional code, and dynamically adjusting the content and style of the bar code/two-dimensional code according to the behavior and environmental changes of the user;
In the payment transaction process, verifying facial recognition or fingerprint recognition biological characteristics of the user; the image recognition module and the camera or other sensor are both provided by the mobile device.
4. A digital economy offline paymate according to claim 3, wherein: when the carrier of the payment information is an NFC signal, the blockchain technology encrypts and decrypts the NFC signal through an encryption module and outputs the content of the NFC signal;
the decentralized, transparent and traceable payment network is constructed, each payment transaction is converted into an intelligent contract, and the execution of the intelligent contract is triggered;
and adopt the technology of crossing the chain, carry on fund transfer and settlement among different paytables;
the encryption module is provided by the mobile device; the consensus mechanism is selected from one or more of workload certification, rights and interests certification and entrusting rights and interests certification mechanisms; the encryption algorithm comprises SHA-256, AES-256 and RSA-2048.
5. The digital economy offline paymate of claim 4, wherein: when the carrier of the payment information is an acoustic wave signal, the internet of things technology generates and identifies the acoustic wave signal through an acoustic wave module and outputs the content of the acoustic wave signal;
The sound wave payment is combined with the intelligent equipment, so that multi-scene and multifunctional sound wave payment application is performed; based on the acoustic wave technology, carrying out identity verification and position location;
the acoustic module is provided by a mobile device.
6. The digital economy offline paymate of claim 5, wherein: when the carrier of the payment information is a face/iris image, the artificial intelligence technology performs feature extraction and matching on the face/iris image acquired by the user equipment and the merchant equipment through a deep learning algorithm, and outputs a face/iris recognition result;
and generating a face/iris image with rules and complexity according to the biological characteristics of the user, and dynamically adjusting the content and style of the face/iris image according to the behavior and environmental changes of the user.
7. The digital economy offline paymate of claim 6, wherein: the POS machine or other mobile equipment carries out risk assessment and early warning on payment transaction based on a data mining technology, a pattern recognition technology and an abnormality detection technology;
and providing interfaces and services of the user, including consumption records, coupons, points and evaluations, and performing user behavior analysis and personalized recommendation by using a big data analysis technology.
8. The digital economy offline paymate of claim 7, wherein: the platform is adapted to a consumption scene, including catering, retail and entertainment, and virtual reality content is provided according to scene adaptability; the virtual reality content comprises elements related to consumption, including commodities, services, trademarks and prices, and provides interactive content related to payment, including selection, confirmation and cancellation.
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