WO2019019075A1 - 区块链钱包预付消费系统 - Google Patents

区块链钱包预付消费系统 Download PDF

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Publication number
WO2019019075A1
WO2019019075A1 PCT/CN2017/094609 CN2017094609W WO2019019075A1 WO 2019019075 A1 WO2019019075 A1 WO 2019019075A1 CN 2017094609 W CN2017094609 W CN 2017094609W WO 2019019075 A1 WO2019019075 A1 WO 2019019075A1
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Prior art keywords
blockchain
merchant
token
consumer
consumption system
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PCT/CN2017/094609
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English (en)
French (fr)
Inventor
吴思进
王志文
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杭州复杂美科技有限公司
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Priority to PCT/CN2017/094609 priority Critical patent/WO2019019075A1/zh
Publication of WO2019019075A1 publication Critical patent/WO2019019075A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the invention relates to the field of blockchain technology.
  • the blockchain wallet prepaid consumer system is in the central server for identity registration and information recording, prepaid information, consumer information are falsified and lost technical possibilities, prepayments are also directly handed over to the business, can not be supervised and managed, once the merchant In case of default, the rights of the prepaid party cannot be guaranteed. In addition, the purchaser's consumption rights cannot be realized in the existing wallet prepaid consumption system, and cannot be transferred, and the liquidity of funds cannot be utilized.
  • the present invention provides a blockchain wallet prepaid consumption system.
  • the technical solution adopted by the invention is: using the blockchain technology to perform CA authentication and identity hashing of the merchants and consumers in the system, and issuing tokens, purchasing tokens and transferring generations in the system every time. Hash signatures are recorded in the transaction events of the currency and recorded on the blockchain.
  • the beneficial effect of the present invention is that all the information recorded through the blockchain can clarify the identity of the transaction party and the transaction content, and cannot be falsified or deleted.
  • the platform also provides consumers with better financial access and improved asset liquidity.
  • Figure 1 is a flow chart of a company issuing prepaid wallet tokens, consumers purchasing tokens, consuming tokens, and transferring tokens.
  • Step 1 The merchant needs to issue the legal currency token and the consumer token and the product token on the blockchain. It is necessary to provide basic information in advance and obtain the real name certification of the CA center. Consumers purchase legal currency tokens and consumer tokens through blockchains and book or tip, and also need to provide basic information in advance and obtain real-name certification from CA Center. The third-party guarantee agency introduced also needs to provide basic information and obtain CA real-name certification.
  • Step 2 The merchant sends money on the blockchain, and needs to provide sufficient credit information or collateral, and the third party guarantee institution conducts credit evaluation to limit the maximum circulation. As a guarantee institution, once the merchant defaults, it is necessary to assume the guarantee responsibility.
  • Step 3 On the blockchain, after the consumer gives the merchant a certain amount of funds or assets, the merchant will pay the consumer equivalent legal currency token on the blockchain, or can pay a certain preferential consumer token, token It contains the identity hash of the merchant and the transaction content of the goods or services. (The part of the legal currency token and the consumer token need to be guaranteed by the guarantee company, and the guarantee company writes its identity hash into the token). Once you have arrived at the token, you can purchase the product or service, or order the product or future service package by purchasing the product token. After the purchase is completed, the merchant withdraws the token.
  • Step 4 In this consumption system, the legal currency token, the consumer token, the product or the service token can all flow in the blockchain, and each transfer will carry out the identity hash of the two parties together with the initiation of the hash and the transaction content.
  • the hash signature forms a new transaction hash value to ensure the authenticity, inability to modify and integrity of the transaction information.
  • Step 5 Different types of digital currencies issued by different merchants can be exchanged on the blockchain as long as they meet the prior agreement, and recorded on the blockchain.
  • Step 6 the merchant sends money on the blockchain, and can agree to recycle the issued various coins under certain conditions or after agreeing to certain compensation conditions. Consumers can also return coins to merchants under certain conditions.
  • Step 7 If the merchant fails to provide the product or service according to the agreement and is unable to make full compensation, the guarantor shall be liable for compensation. If the compensation is still not fully compensated, the consumer shall obtain partial compensation according to the agreed order and proportion.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

区块链钱包预付消费系统，在区块链上，消费者给商家一定的资金或资产后，商家会在区块链上支付给消费者等值的法币代币，或可以支付一定优惠的消费代币，消费者即可以购买产品或服务，或者以购买产品代币的方式订购产品或未来的服务套餐。上述系统首先提升了预付消费的所有权人的权益保障，并通过担保方的介入避免了因为商家的违约给购买方造成的损失；其次通过区块链预付消费系统的转让功能，提高了购买方的资金流动性，其商品所有权的变现能力大幅提高。

Description

区块链钱包预付消费系统 技术领域
本发明涉及区块链技术领域。
背景技术
目前区块链钱包预付消费系统都是在中心服务器进行身份登记以及信息记录，预付信息、消费信息都存在篡改和丢失的技术性可能，预付款也是直接交由商家，无法得到监督和管理，一旦商家违约，预付费方的权益无法得到保障。另外，购买者的消费权无法在现有的钱包预付消费系统里得以变现，不能转让，资金流动性不能发挥。
技术问题
为了克服上述现有技术的不足，本发明提供了一种区块链钱包预付消费系统。问题的解决方案
技术解决方案
本发明所采用的技术方案是：用区块链技术，将系统中的商家、消费者的身份进行CA认证并进行身份哈希，并在系统中每一次发行代币、购买代币以及转让代币的交易事件中都进行hash签名并记录在区块链上。
发明的有益效果
有益效果
与现有技术相比，本发明的有益效果是通过区块链记录下来的所有信息，都是可以明确交易方身份以及交易内容，而且不得篡改和删除。另外，该平台还提供给消费者更好的资金融通方式，提高了资产流动性。
对附图的简要说明
附图说明
图1为一个企业发行预付钱包代币，消费者购买代币、消费代币以及转让代币的流程图。
实施该发明的最佳实施例
本发明的最佳实施方式
为使本发明实施例的目的、技术方案和优点更加清楚，下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例是本发明一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。
发明实施例
本发明的实施方式
步骤1，商家要在区块链上发行法币代币和消费代币以及产品代币，需要事先提供基本信息并获得CA中心的实名认证。消费者通过区块链购买法币代币和消费代币并预订或者小费，也需要事先提供基本信息并获得CA中心的实名认证。另外引入的第三方担保机构同样需要提供基本信息和获得CA实名认证。
步骤2，商家在区块链上发币，需要提供足够的信用资料或者抵押物，由第三方担保机构进行信用评估，限定最高的发行量。作为担保机构，一旦商家违约，需要承担担保责任。
步骤3，在区块链上，消费者给商家一定的资金或资产后，商家会在区块链上支付给消费者等值的法币代币，或可以支付一定优惠的消费代币，代币中包含商家的身份哈希和商品或服务的交易内容，(该部分法币代币和消费代币都需要经过担保公司担保，由担保公司将其身份哈希写入代币中)，消费者收到代币后，即可以购买产品或服务，或者以购买产品代币的方式订购产品或未来的服务套餐。购买完成后，商家收回代币。
步骤4，在此消费系统里法币代币、消费代币、产品或服务代币都可以在区块链内相互流转，每次流转都会将交易双方的身份哈希连同发起哈希以及交易内容进行hash签名形成新的交易哈希值，以保证交易信息的真实性、不可篡改性和完整性。
步骤5，不同的商家发行的不同种类的数字货币只要符合预先的约定可以在区块链上相互交换，并记录在区块链上。
步骤6，商家在区块链上发币，可以约定在一定条件下，或约定一定补偿条件后，回收发行的各种币。消费者也可以在满足一定条件下，将币退还给商家。
步骤7，商家不能按照约定提供产品或服务，并且无力进行全额赔偿时，担保方承担赔偿责任，如仍不能全额赔偿，消费者根据约定的顺序和比例获得部分赔偿。
工业实用性
以上对本发明所提供的一种交易记录的方法及系统进行了详细介绍。本文中应用了具体个例对本发明的原理及实施方式进行了阐述，以上实施例的说明只是用于帮助理解本发明的方法及其核心思想。应当指出，对于本技术领域的普通技术人员来说，在不脱离本发明原理的前提下，还可以对本发明进行若干改进和修饰，这些改进和修饰也落入本发明权利要求的保护范围内。

Claims (7)

  1. 区块链钱包预付消费系统，其特征在于，在区块链上，消费者给商家一定的资金或资产后，商家会在区块链上支付给消费者等值的法币代币，或可以支付一定优惠的消费代币，消费者即可以购买产品或服务，或者以购买产品代币的方式订购产品或未来的服务套餐。
  2. 根据权利要求1所述区块链钱包预付消费系统，其特征在于，商家要在区块链上发行法币代币和消费代币以及产品代币，需要事先提供基本信息并获得CA中心的实名认证。消费者通过区块链购买法币代币和消费代币并预订或者小费，也需要事先提供基本信息并获得CA中心的实名认证。另外引入的第三方担保机构同样需要提供基本信息和获得CA实名认证。
  3. 根据权利要求1所述区块链钱包预付消费系统，其特征在于，商家在区块链上发币，需要提供足够的信用资料或者抵押物，由第三方担保机构进行信用评估，限定最高的发行量。作为担保机构，一旦商家违约，需要承担担保责任。
  4. 根据权利要求1所述区块链钱包预付消费系统，其特征在于，在此消费系统里法币代币、消费代币、产品或服务代币都可以在区块链内相互流转，每次流转都会将交易双方的身份哈希连同发起哈希以及交易内容进行hash签名形成新的交易哈希值，以保证交易信息的真实性、不可篡改性和完整性。
  5. 根据权利要求1，4所述区块链钱包预付消费系统，其特征在于，不同的商家发行的不同种类的数字货币只要符合预先的约定可以在区块链上相互交换，并记录在区块链上。
  6. 根据权利要求1所述区块链钱包预付消费系统，其特征在于，商家在区块链上发币，可以约定在一定条件下，或约定一定补偿条件后，回收发行的各种币。消费者也可以在满足一定条件下，将币退还给商家。
  7. 根据权利要求1，3所述区块链钱包预付消费系统，其特征在于，商家不能按照约定提供产品或服务，并且无力进行全额赔偿时，担保方承担赔偿责任，如仍不能全额赔偿，消费者根据约定的顺序和比例获得部分赔偿。
PCT/CN2017/094609 2017-07-27 2017-07-27 区块链钱包预付消费系统 WO2019019075A1 (zh)

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