WO2020220751A1 - 消费合约处理方法及其系统 - Google Patents

消费合约处理方法及其系统 Download PDF

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WO2020220751A1
WO2020220751A1 PCT/CN2020/071465 CN2020071465W WO2020220751A1 WO 2020220751 A1 WO2020220751 A1 WO 2020220751A1 CN 2020071465 W CN2020071465 W CN 2020071465W WO 2020220751 A1 WO2020220751 A1 WO 2020220751A1
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contract
account
consumption
blockchain
terminal
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French (fr)
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高一锦
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Advanced New Technologies Co Ltd
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Advanced New Technologies Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q30/00—Commerce
    • G06Q30/01—Customer relationship services
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0609—Qualifying participants for shopping transactions

Definitions

  • This manual relates to the field of computer technology.
  • the credit consumption contract is based on the user's use of his credit for guarantee.
  • the user's original credit behavior is collected to form a set of credit value standards, and this credit standard replaces currency, securities or physical objects, and acts as a deposit or collateral.
  • this credit standard replaces currency, securities or physical objects, and acts as a deposit or collateral.
  • the matching efficiency is relatively low; on the other hand, the rights and interests provided by the merchant may be too difficult to complete for an individual user and have excess resources.
  • This manual provides a consumption contract processing method and system, which improves the matching efficiency of the merchants and users of the consumption contract, and improves the communication efficiency of the set of consumption contract elements.
  • This application discloses a method for processing consumer contracts, including:
  • the first terminal signs a consumption contract with the merchant system
  • the first terminal enables the first account to join the blockchain through interaction with the server;
  • the first terminal sends an invitation message to other terminals for at least one other account to join the blockchain according to the invitation message;
  • the performance of the consumption contract is determined according to the consumption record in the blockchain.
  • the signing of the consumption contract between the first terminal and the merchant system based on the set of consumption contract elements further includes:
  • the credit standard value of the first account is inquired, and if the credit standard value meets an agreed condition, the merchant system signs a consumption contract with the first terminal; otherwise, the first terminal is rejected.
  • the credit standard value of the first account is used as a guarantee when the consumption contract is signed.
  • the blockchain is a private blockchain.
  • the blockchain uses a distributed ledger to record the consumption records of the first account and the other accounts, and the merchant system, the first terminal, and the terminals using the other accounts have queries The authority of the data in the blockchain.
  • the first block of the blockchain records the consumer contract element set and the information of the first account.
  • the determining the performance of the consumption contract according to the consumption record in the blockchain further includes:
  • the method further includes: increasing the credit standard value of the first account.
  • the method further includes: returning the agreed rights by the first account to the merchant system.
  • the method further includes: if the first account does not return the agreed rights to the merchant system within the agreed time, deducting the credit standard value of the first account.
  • This application also discloses a consumer contract processing system including:
  • the first terminal using the first account is used to obtain the consumer contract element set issued by the merchant system, and through interaction with the server, the first account is added to the blockchain, and invitation messages are sent to other terminals for at least one other account to follow The invitation message to join the blockchain;
  • the signing module is used to complete the signing of the consumption contract between the first terminal and the merchant system based on the set of consumption contract elements;
  • Block chain for storing consumption records of the first account and the other accounts
  • the performance determination module is used to determine the performance of the consumption contract according to the consumption record in the blockchain.
  • the subscription module further includes:
  • the query sub-module is used to query the credit standard value of the first account
  • the judging sub-module is used to judge whether the credit standard value queried by the query sub-module meets the agreed conditions
  • the signing sub-module is used to complete the signing of the consumption contract between the first terminal and the merchant system when the judging sub-module determines that the credit standard value meets an agreed condition.
  • the credit standard value of the first account is used as a guarantee when the consumption contract is signed.
  • the blockchain is a private blockchain.
  • the blockchain uses a distributed ledger to record the consumption records of the first account and the other accounts, and the merchant system, the first terminal, and the terminals using the other accounts have queries The authority of the data in the blockchain.
  • the first block of the blockchain records the consumer contract element set and the information of the first account.
  • the performance determination module performs statistics on the consumption records in the blockchain, and if the statistical results meet the requirements of the consumption contract, it is determined as performance, and if the statistical results do not meet the requirements of the consumption contract It is judged as a breach of contract.
  • the contract performance determination module is further configured to increase the credit standard value of the first account after the contract performance is determined.
  • the performance determination module is further configured to send a message requesting the return of the agreed rights to the first account after the contract is determined to be in default.
  • the performance determination module is further configured to deduct the credit standard value of the first account if the first account does not return the agreed rights to the merchant system within the agreed time.
  • This application also discloses a consumer contract processing system including:
  • Memory for storing computer executable instructions
  • the processor is used to implement the steps in the method described above when executing the computer-executable instructions.
  • the present application also discloses a computer-readable storage medium that stores computer-executable instructions in the computer-readable storage medium.
  • the computer-executable instructions are executed by a processor, the steps in the method described above are implemented.
  • Fig. 1 is a schematic flow chart of a consumer contract processing method according to the first embodiment of this specification.
  • Fig. 2 is a schematic diagram of a specific application example of the first embodiment.
  • Fig. 3 is a schematic structural diagram of a consumer contract processing system according to the second embodiment of this specification.
  • Credit standard value a value used to measure the credit credibility between users. Different credit standard values correspond to the user's performance rate under different quota risks. The higher the credit standard value, the higher the credibility as a credit guarantee.
  • Credit consumption contract refers to users who use their own credit as a guarantee to make a consumption agreement with the merchant to obtain the rights and interests provided by the merchant, and at the same time, they need to complete the requirements of the consumption contract. It can be used to replace the pre-deposit and pre-payment methods in the current commercial society.
  • Pre-deposit/pre-payment A method of using currency as a guarantee in business scenarios to exchange for service activation or high-end service rights.
  • Credit social blockchain A credit blockchain formed by users through social relationships. After forming a credit blockchain, they can obtain new credit standard value evaluation and share rights.
  • Server refers to a computer system that can provide services to other devices in the network.
  • the object served by the server is usually called a terminal or a client, and the server and the terminal can be connected through wired or wireless communication.
  • the server can be implemented in a variety of ways, and it can be a single computer device or a combination of multiple computer devices (such as cluster servers, cloud servers, etc.). In some application scenarios, the server can also be called a server, cloud, etc.
  • Terminal also known as terminal equipment, is the most peripheral equipment in the computer network or communication network, mainly used for the input of user information and the output of processing results. In addition to the input and output functions, the terminal can also perform certain operations and processing to achieve some system functions.
  • the terminal can be, for example, a smart phone, a tablet computer, a notebook computer, a desktop computer, a smart watch, a smart bracelet, a TV, a projector with input function, a personal digital assistant (PDA), etc.
  • PDA personal digital assistant
  • the first embodiment of this specification relates to a consumer contract processing method, the flow of which is shown in Figure 1.
  • the method includes the following steps:
  • step 102 the first terminal of the first account is used to obtain the consumer contract element set published by the merchant system.
  • step 104 is entered.
  • the first terminal signs a consumption contract with the merchant system.
  • this step further includes the merchant system inquiring the credit standard value of the first account, and if the credit standard value meets the agreed condition (for example, the credit score exceeds the agreed threshold), the merchant system signs a consumption contract with the first terminal, Otherwise, the first terminal is rejected.
  • the credit standard value of the first account is used as a guarantee when signing the consumption contract.
  • step 106 is entered, and the first terminal makes the first account join the blockchain through interaction with the server.
  • the blockchain is a private blockchain.
  • the private blockchain opens the permission to read data to the terminals used by the merchant system, the first account, and other accounts that join the blockchain, and irrelevant terminals do not have the permission to read data in the private blockchain.
  • the block chain joined by the first account is a block chain created for the consumption contract, and the first block of the block chain records the set of consumption contract elements and the information of the first account, which is A single consumer contract creates a blockchain with better confidentiality and higher query efficiency.
  • the block chain joined by the first account is an existing block chain, and the block chain can carry information related to multiple consumer contracts.
  • one function of the server is to maintain the blockchain.
  • step 108 is entered.
  • the first terminal sends an invitation message to other terminals for at least one other account to join the blockchain according to the invitation message.
  • Other terminals refer to terminals other than the first terminal, and these terminals are used by accounts other than the first account.
  • step 110 is entered to store the consumption records of the first account and other accounts in the blockchain.
  • the blockchain uses a distributed ledger to record the consumption records of the first account and other accounts related to the consumption contract, and the merchant system, the first terminal, and the terminal using the other accounts have the ability to query the block Permission of data in the chain.
  • step 112 the performance of the consumption contract is determined according to the consumption record in the blockchain.
  • the consumption records in the blockchain are counted, and if the statistical result meets the requirements of the consumer contract, it is determined as fulfillment, and if the statistical result does not meet the requirements of the consumer contract, it is determined as breach of contract.
  • the processing methods after the determination of performance breach can be varied.
  • the credit standard value of the first account is increased.
  • the first account returns the agreed rights and interests to the merchant system.
  • the credit standard value of the first account is deducted.
  • step 112 The timing of the execution of step 112 can be varied.
  • step 112 may be performed periodically (for example, every day or every week, etc.).
  • step 112 may be performed at a time designated by the merchant system.
  • step 112 may be executed in response to an instruction from the merchant system.
  • This embodiment uses blockchain technology to enable users to complete consumer contracts that were originally too difficult and excessive resources to complete, which improves the matching efficiency of consumer contract merchants and users, and improves the spread efficiency of consumer contract element sets , And the consumption record cannot be changed, which provides a reliable basis for the change of the credit standard value.
  • terminal A is the terminal used by account A (ie the first terminal)
  • terminal B is the terminal used by account B
  • terminal C is used by account C terminal.
  • the server is used to implement blockchain and other system functions.
  • the merchant uses the merchant system S to publish the credit consumption agreement template (ie a collection of consumer contract elements), it can use technical functions and open the system permissions that allow merchants to create private blockchains, allowing merchants to create their own private blockchains to correspond The entire consumption agreement.
  • the credit consumption agreement template ie a collection of consumer contract elements
  • the merchant system S broadcasts its consumption agreement template to the outside, inviting users to pair and sign.
  • the terminal (ie, the first terminal) used by account A has discovered the credit consumption agreement template provided by the merchant system S, and account A uses its credit value as a guarantee to sign a match with the merchant.
  • Account A establishes its own credit social blockchain Y, and uses technical methods (including but not limited to Internet methods, Internet of Things, Bluetooth pairing, sound waves and other information and communication technology methods) to act as a seed user for secondary broadcasts and invite others
  • technical methods including but not limited to Internet methods, Internet of Things, Bluetooth pairing, sound waves and other information and communication technology methods
  • Account B, account C receives an invitation from the first terminal through the terminal it uses, and is invited to participate in the credit social blockchain Y initiated by account A. All the consumption records of subsequent accounts A, B, and C at the merchant are saved and recorded through the blockchain.
  • Account A is the root node of the entire blockchain.
  • the genesis block (the first block) of the blockchain the set of consumption contract elements, the information of account A and the first consumption record are recorded.
  • Account B and Account C who join the private blockchain Y can enjoy the rights and interests of the consumption contract, and their consumption can also be accumulated in the blockchain Y. Since B and C are not guaranteed by their credit value, they will not change the original credit value product regardless of contract performance or default. Subsequent account A can claim compensation from user B or user C based on the non-tamperable consumption record of blockchain Y.
  • the second embodiment of this specification relates to a consumer contract processing system, the structure of which is shown in Figure 3.
  • the consumer contract processing system includes:
  • the first terminal 201 using the first account is used to obtain the set of consumer contract elements issued by the merchant system, the first account is made to join the blockchain through interaction with the server, and at least one other account is invited to join by sending messages to other terminals Blockchain.
  • the signing module 202 is used to complete the signing of the consumption contract between the first terminal and the merchant system based on the set of consumption contract elements.
  • the signing module further includes: a query sub-module for querying the credit standard value of the first account; a judging sub-module for determining whether the credit standard value queried by the query sub-module satisfies an agreed condition (for example, Sesame Credit Points exceed the agreed threshold).
  • the signing sub-module is used to complete the signing of the consumption contract between the first terminal and the merchant system when the judgment sub-module determines that the credit standard value meets the agreed conditions.
  • the credit standard value of the first account is used as a guarantee when signing the consumption contract.
  • the block chain 203 is used to store the consumption records of the first account and other accounts.
  • the blockchain is a private blockchain.
  • the private blockchain opens the right to read data to the terminals used by the merchant system, the first account, and other accounts that join the blockchain, and irrelevant terminals do not have the right to read data in the private blockchain.
  • the blockchain uses a distributed ledger to record the consumption records of the first account and other accounts, and the merchant system, the first terminal, and terminals using other accounts have the authority to query data in the blockchain.
  • the first block of the blockchain records the consumer contract element set and the information of the first account.
  • the performance determination module 204 is used to determine the performance of the consumption contract according to the consumption record in the blockchain. In one embodiment, the consumption records in the blockchain are counted. If the statistical result meets the requirements of the consumer contract, it is determined as fulfillment, and if the statistical result does not meet the requirements of the consumer contract, it is determined as breach of contract. Optionally, after it is determined that the contract is fulfilled, the credit standard value of the first account is increased. Optionally, after it is determined that the contract is in breach, a message requesting the return of the agreed rights is sent to the first account. Optionally, if the first account does not return the agreed rights to the merchant system within the agreed time, the credit standard value of the first account is deducted.
  • the first embodiment is a method embodiment corresponding to this embodiment.
  • the technical details in the first embodiment can be applied to this embodiment, and the technical details in this embodiment can also be applied to the first embodiment.
  • each module shown in the above embodiment of the consumer contract processing system can be understood with reference to the relevant description of the aforementioned consumer contract processing method.
  • the function of each module shown in the above embodiment of the consumer contract processing system can be realized by a program (executable instruction) running on a processor, or can be realized by a specific logic circuit. If the aforementioned consumer contract processing system in the embodiment of this specification is implemented in the form of a software function module and sold or used as an independent product, it can also be stored in a computer readable storage medium. Based on this understanding, the technical solutions of the embodiments of the present specification can be embodied in the form of a software product in essence or a part that contributes to the prior art.
  • the computer software product is stored in a storage medium and includes several instructions for A computer device (which may be a personal computer, a server, or a network device, etc.) executes all or part of the method described in each embodiment of this specification.
  • the aforementioned storage media include: U disk, mobile hard disk, Read Only Memory (ROM, Read Only Memory), magnetic disk or optical disk and other media that can store program codes. In this way, the embodiments of this specification are not limited to any specific combination of hardware and software.
  • the embodiments of this specification also provide a computer-readable storage medium in which computer-executable instructions are stored.
  • Computer-readable storage media include permanent and non-permanent, removable and non-removable media, and information storage can be realized by any method or technology.
  • the information can be computer-readable instructions, data structures, program modules, or other data.
  • Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, CD-ROM, digital versatile disc (DVD) or other optical storage, Magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable storage media does not include transitory media, such as modulated data signals and carrier waves.
  • PRAM phase change memory
  • SRAM static random access memory
  • DRAM dynamic random access memory
  • RAM random access memory
  • ROM read-only memory
  • EEPROM electrically erasable programmable read-only memory
  • flash memory or other memory technology
  • CD-ROM compact disc
  • DVD digital versatile disc
  • Magnetic cassettes magnetic tape magnetic disk storage or other magnetic storage devices or any other
  • the embodiments of this specification also provide a consumer contract processing system, which includes a memory for storing computer-executable instructions, and a processor; the processor is used to implement the above-mentioned items when the computer-executable instructions in the memory are executed. Steps in method implementation.
  • the processor can be a central processing unit (Central Processing Unit, "CPU"), other general-purpose processors, digital signal processors (Digital Signal Processor, "DSP”), and application specific integrated circuits (Application Specific Integrated Circuits). Integrated Circuit, referred to as "ASIC”), etc.
  • CPU Central Processing Unit
  • DSP Digital Signal Processor
  • ASIC Application Specific Integrated Circuit
  • the aforementioned memory may be a read-only memory (read-only memory, "ROM”), random access memory (random access memory, "RAM”), flash memory (Flash), hard disk or solid state hard disk, etc.
  • ROM read-only memory
  • RAM random access memory
  • flash flash memory
  • the steps of the method disclosed in each embodiment of the present invention may be directly embodied as being executed by a hardware processor, or executed by a combination of hardware and software modules in the processor.
  • an act is performed based on a certain element, it means that the act is performed at least based on that element, which includes two situations: performing the act only based on the element, and performing the act based on the element and Other elements perform the behavior.
  • Multiple, multiple, multiple, etc. expressions include two, two, two, and two or more, two or more, and two or more expressions.

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Abstract

一种消费合约处理方法及其系统。该方法中，使用第一账户的第一终端获取商户系统发布的消费合约要素集合（102）；基于消费合约要素集合，第一终端与商户系统签署消费合约（104）；第一终端通过与服务器的交互使得所述第一账户加入区块链（106）；第一终端向其他终端发送邀请消息，供至少一个其他账户根据该邀请消息加入区块链（108）；将第一账户和其他账户的消费记录存储在区块链中（110），对区块链中的消费记录进行统计，判断履约或违约（112）。

Description

消费合约处理方法及其系统 技术领域
本说明书涉及计算机技术领域。
背景技术
信用消费合约是基于用户使用其信用进行担保，通过计算机系统，采集用户原来的信用行为形成一套信用值标准，并以此信用标准，代替货币或者有价证券或者实物，充当保证金或者抵押物，并与商户建立消费合约的一种技术解决方案。
采用信用标准值作为担保，可以代替在一些原有的领域中使用货币、有价证券等通用一般等价物方式充当保证金和抵押物的方式(如常见采用货币化的预存或者预付方式商业行为。例如理发店的会员卡等)。
在用户和商户建立信用消费合约的过程中，一方面配对效率比较低，另一方面商户提供的权益对某个用户个体有可能存在完成难度太高且资源过剩的情况。
发明内容
本说明书提供了一种消费合约处理方法及其系统，提高了消费合约的商户和用户的配对效率，提高了消费合约要素集合的传播效率。
本申请公开了一种消费合约处理方法，包括：
使用第一账户的第一终端获取商户系统发布的消费合约要素集合；
基于所述消费合约要素集合，所述第一终端与所述商户系统签署消费合约；
所述第一终端通过与服务器的交互使得所述第一账户加入区块链；
所述第一终端向其他终端发送邀请消息，供至少一个其他账户根据该邀请消息加入所述区块链；
将所述第一账户和所述其他账户的消费记录存储在所述区块链中；
根据所述区块链中的消费记录确定所述消费合约的履约情况。
在一个优选例中，所述基于所述消费合约要素集合，所述第一终端与所述商户系 统签署消费合约，进一步包括：
查询所述第一账户的信用标准值，如果所述信用标准值满足约定条件，则所述商户系统与所述第一终端签署消费合约，否则拒绝所述第一终端。
在一个优选例中，所述签署消费合约时以所述第一账户的信用标准值作为担保。
在一个优选例中，所述区块链是私有区块链。
在一个优选例中，所述区块链以分布式账本记录所述第一账户和所述其他账户的消费记录，所述商户系统、所述第一终端和使用所述其他账户的终端拥有查询所述区块链中数据的权限。
在一个优选例中，所述区块链的第一个区块中记录所述消费合约要素集合和所述第一账户的信息。
在一个优选例中，所述根据所述区块链中的消费记录确定所述消费合约的履约情况，进一步包括：
对所述区块链中的消费记录进行统计，如果统计结果满足所述消费合约的要求，则判定为履约；如果统计结果不满足所述消费合约的要求，则判定为违约。
在一个优选例中，所述判定为履约之后，还包括：增加所述第一账户的信用标准值。
在一个优选例中，所述判定为违约之后，还包括：所述第一账户向所述商户系统返还约定权益。
在一个优选例中，所述判定为违约之后，还包括：如果所述第一账户在约定时间内未向所述商户系统返还约定权益，扣减所述第一账户的信用标准值。
本申请还公开了一种消费合约处理系统包括：
使用第一账户的第一终端，用于获取商户系统发布的消费合约要素集合，通过与服务器的交互使得所述第一账户加入区块链，向其他终端发送邀请消息，供至少一个其他账户根据该邀请消息加入所述区块链；
签约模块，用于基于所述消费合约要素集合，完成所述第一终端与所述商户系统的消费合约的签署；
区块链，用于存储所述第一账户和所述其他账户的消费记录；
履约判定模块，用于根据所述区块链中的消费记录确定所述消费合约的履约情况。
在一个优选例中，所述签约模块进一步包括：
查询子模块，用于查询所述第一账户的信用标准值；
判断子模块，用于判断所述查询子模块查询所得的信用标准值是否满足约定条件；
签署子模块，用于在所述判断子模块判定所述信用标准值满足约定条件时，完成所述第一终端与所述商户系统的消费合约的签署。
在一个优选例中，所述签署消费合约时以所述第一账户的信用标准值作为担保。
在一个优选例中，所述区块链是私有区块链。
在一个优选例中，所述区块链以分布式账本记录所述第一账户和所述其他账户的消费记录，所述商户系统、所述第一终端和使用所述其他账户的终端拥有查询所述区块链中数据的权限。
在一个优选例中，所述区块链的第一个区块中记录所述消费合约要素集合和所述第一账户的信息。
在一个优选例中，所述履约判定模块对所述区块链中的消费记录进行统计，如果统计结果满足所述消费合约的要求则判定为履约，如果统计结果不满足所述消费合约的要求则判定为违约。
在一个优选例中，所述履约判定模块还用于，在判定为履约之后，增加所述第一账户的信用标准值。
在一个优选例中，所述履约判定模块还用于，在判定为违约之后，向所述第一账户发送要求返还约定权益的消息。
在一个优选例中，所述履约判定模块还用于，如果所述第一账户在约定时间内未向所述商户系统返还约定权益，扣减所述第一账户的信用标准值。
本申请还公开了一种消费合约处理系统包括：
存储器，用于存储计算机可执行指令；以及，
处理器，用于在执行所述计算机可执行指令时实现如前文描述的方法中的步骤。
本申请还公开了一种计算机可读存储介质，该计算机可读存储介质中存储有计算 机可执行指令，该计算机可执行指令被处理器执行时实现如前文描述的方法中的步骤。
本说明书实施方式使得用户可以完成原本因为难度太高且资源过剩而无法完成的消费合约，提高了消费合约的商户和用户的配对效率，提高了消费合约要素集合的传播效率。
本说明书中记载了大量的技术特征，分布在各个技术方案中，如果要罗列出本申请所有可能的技术特征的组合(即技术方案)的话，会使得说明书过于冗长。为了避免这个问题，本说明书上述发明内容中公开的各个技术特征、在下文各个实施方式和例子中公开的各技术特征、以及附图中公开的各个技术特征，都可以自由地互相组合，从而构成各种新的技术方案(这些技术方案均应该视为在本说明书中已经记载)，除非这种技术特征的组合在技术上是不可行的。例如，在一个例子中公开了特征A+B+C，在另一个例子中公开了特征A+B+D+E，而特征C和D是起到相同作用的等同技术手段，技术上只要择一使用即可，不可能同时采用，特征E技术上可以与特征C相组合，则，A+B+C+D的方案因技术不可行而应当不被视为已经记载，而A+B+C+E的方案应当视为已经被记载。
附图说明
图1是根据本说明书第一实施方式的消费合约处理方法流程示意图。
图2是第一实施方式一个具体应用例子的示意图。
图3是根据本说明书第二实施方式的消费合约处理系统结构示意图。
具体实施方式
在以下的叙述中，为了使读者更好地理解本申请而提出了许多技术细节。但是，本领域的普通技术人员可以理解，即使没有这些技术细节和基于以下各实施方式的种种变化和修改，也可以实现本申请所要求保护的技术方案。
部分概念的说明：
信用标准值：用来衡量用户之间的信用可信度的一个数值，不同的信用标准值对应的是用户针对不同额度风险下的履约率。信用标准值越高作为信用担保的可信性就越高。
信用消费合约：指用户以其本人的信用为担保，向商家做出建立消费约定，获取商户提供的权益，同时自身需要完成消费合约的要求。可以用来代替目前商业社会的预存和预付等方式。
预存/预付：商业场景中存在的使用货币方式进行担保的方式，用来换取服务的开通或者高阶服务权益。
信用社交区块链：用户通过社交关系形成的信用区块链，形成信用区块链后，可以获得新的信用标准值评估和共享权益。
服务器：是指网络中能对其它设备提供服务的计算机系统。服务器服务的对象通常称为终端或客户端，服务器与终端之间可以通过有线或者无线的方式通信连接。服务器的实现方式是多种多样的，可以是单台的计算机设备，也可以是多台计算机设备的组合(例如集群服务器，云服务器等)。服务器在一些应用场景中也可以被称为服务端，云端等。
终端：也称终端设备，是计算机网络或通信网络中处于网络最外围的设备，主要用于用户信息的输入以及处理结果的输出等。除了输入输出的功能，终端也能进行一定的运算和处理，实现部分系统功能。终端可以是例如智能手机，平板电脑，笔记本电脑，台式电脑，智能手表，智能手环，电视机，有输入功能的投影机，个人数字助理(PDA)等。
下面将结合附图对本说明书的实施方式作进一步地详细描述。
本说明书的第一实施方式涉及一种消费合约处理方法，其流程如图1所示，该方法包括以下步骤：
在步骤102中，使用第一账户的第一终端获取商户系统发布的消费合约要素集合。
此后进入步骤104，基于消费合约要素集合，第一终端与商户系统签署消费合约。在一个实施例中，该步骤进一步包括，商户系统查询第一账户的信用标准值，如果信用标准值满足约定条件(例如芝麻信用分超过约定门限)，则商户系统与第一终端签署消费合约，否则拒绝第一终端。在一个实施例中，签署消费合约时以第一账户的信用标准值作为担保。
此后进入步骤106，第一终端通过与服务器的交互使得所述第一账户加入区块链。在一个实施例中，该区块链是私有区块链。该私有区块链对商户系统、第一账户和加入 该区块链的其他账户所使用的终端开放读取数据的权限，无关的终端没有读取该私有区块链中数据的权限。在一个实施例中，第一账户加入的该区块链是为该消费合约创建的区块链，该区块链的第一个区块中记录消费合约要素集合和第一账户的信息，为一个消费合约单独创建一个区块链保密性更好，查询效率更高。在一个实施例中，第一账户加入的该区块链是一个已有的区块链，该区块链中可以承载多个消费合约的相关信息。
一个实施例中，服务器的一个功能是维护区块链。
此后进入步骤108，第一终端通过向其他终端发送邀请消息，供至少一个其他账户根据该邀请消息加入该区块链。其他终端指的是第一终端以外的终端，这些终端被第一账户以外的其他账户所使用。
此后进入步骤110，将第一账户和其他账户的消费记录存储在该区块链中。在一个实施例中，该区块链以分布式账本记录第一账户和其他账户与所述消费合约相关的消费记录，商户系统、第一终端和使用所述其他账户的终端拥有查询该区块链中数据的权限。
在步骤112中，根据该区块链中的消费记录确定消费合约的履约情况。在一个实施例中，对区块链中的消费记录进行统计，如果统计结果满足消费合约的要求则判定为履约，如果统计结果不满足消费合约的要求则判定为违约。
履约违约判定之后的处理方式可以是多种多样的。可选地，判定为履约之后，增加第一账户的信用标准值。可选地，判定为违约之后，第一账户向商户系统返还约定权益。可选地，判定为违约之后，如果第一账户在约定时间内未向商户系统返还约定权益，扣减第一账户的信用标准值。
步骤112执行的时机可以是多种多样的。可选地，可以周期性地(例如每天或每周等)执行步骤112。可选地，可以在商户系统指定的时刻执行步骤112。可选地，可以响应商户系统的指令执行步骤112。
本实施方式使用了区块链技术，使得用户可以完成原本因为难度太高且资源过剩而无法完成的消费合约，提高了消费合约的商户和用户的配对效率，提高了消费合约要素集合的传播效率，而且消费记录不可更改，为信用标准值的变更提供了可靠的基础。
为了能够更好地理解本说明书的技术方案，下面结合一个具体的例子来进行说明，该例子中罗列的细节主要是为了便于理解，不作为对本申请保护范围的限制。
该具体例子如图2所示，其中商户S代表商户系统，终端A是账户A所使用的终 端(即第一终端)，终端B是账户B所使用的终端，终端C是账户C所使用的终端。服务器用于实现区块链和其他系统性的功能。
商家使用商户系统S在发布信用消费约定模板(即消费合约要素集合)时，可以通过技术功能，并打开允许商家创建私有区块链的系统权限，允许商家可以创建自己的私有区块链来对应整个消费约定。
商户系统S对外广播其消费约定模板，邀约用户进行配对签约。
账户A所使用的终端(即第一终端)发现了商户系统S提供的信用消费约定模板，账户A以其信用值作为担保，与商家签署配对。
账户A组建自己信用社交区块链Y，并通过技术方式(包括且不限于互联网方式，物联网方式，蓝牙配对，声波等信息通信技术手段)，充当种子用户向外进行二次广播，邀约其他账户加入并上链。
账户B，账户C通过其使用的终端收到来自第一终端邀请，应邀参加到账户A发起的信用社交区块链Y中。后续账户A、B、C在该商家所有的消费记录都通过区块链的方式进行保存和记录。账户A是整个区块链的根节点。在该区块链的创世区块(第一个区块)中记录消费合约要素集合、账户A的信息和第一笔消费记录等。
账户A,B,C的所有消费均记录中区块链Y中，商家的消费合约考核验证的标准以区块链Y的整链消费记录为准。
若整链的消费满足商家的消费约定要求，则判断为履约。由于账户A以自身的信用值进行担保，所以后续可以对账户A的信用值进行累加。
若整链的消费不满足商家的消费约定要求，则判断为违约，由于账户A以自身的信用值进行担保，所以后续需要账户A返还优惠权益，若账户A在限定时间不返还优惠权益，则对账户A的信用值进行扣减。
加入私有区块链Y的账户B和账户C可以享受消费合约的权益，其消费也可以累积到区块链Y中。由于B和C没有以其信用值进行担保，因此不管合约履约还是违约，均不会对原有的信用值产品变化。后续账户A可以根据区块链Y的不可篡改的消费记录，向用户B或者用户C进行追偿。
本说明书的第二实施方式涉及一种消费合约处理系统，其结构如图3所示，该消费合约处理系统包括：
使用第一账户的第一终端201，用于获取商户系统发布的消费合约要素集合，通过与服务器的交互使得所述第一账户加入区块链，通过向其他终端发送消息邀请至少一个其他账户加入区块链。
签约模块202，用于基于消费合约要素集合，完成第一终端与商户系统的消费合约的签署。在一个实施例中，签约模块进一步包括：查询子模块，用于查询第一账户的信用标准值；判断子模块，用于判断查询子模块查询所得的信用标准值是否满足约定条件(例如芝麻信用分超过约定门限)。签署子模块，用于在判断子模块判定信用标准值满足约定条件时，完成第一终端与商户系统的消费合约的签署。在一个实施例中，签署消费合约时以第一账户的信用标准值作为担保。
区块链203，用于存储第一账户和其他账户的消费记录。在一个实施例中，该区块链是私有区块链。该私有区块链对商户系统、第一账户和加入该区块链的其他账户所使用的终端开放读取数据的权限，无关的终端没有读取该私有区块链中数据的权限。在一个实施例中，该区块链以分布式账本记录第一账户和其他账户的消费记录，商户系统、第一终端和使用其他账户的终端拥有查询该区块链中数据的权限。在一个实施例中，该区块链的第一个区块中记录消费合约要素集合和第一账户的信息。
履约判定模块204，用于根据该区块链中的消费记录确定消费合约的履约情况。在一个实施例中，对区块链中的消费记录进行统计，如果统计结果满足消费合约的要求，则判定为履约，如果统计结果不满足消费合约的要求，则判定为违约。可选地，在判定为履约之后，增加第一账户的信用标准值。可选地，在判定为违约之后，向第一账户发送要求返还约定权益的消息。可选地，如果第一账户在约定时间内未向商户系统返还约定权益，扣减第一账户的信用标准值。
第一实施方式是与本实施方式相对应的方法实施方式，第一实施方式中的技术细节可以应用于本实施方式，本实施方式中的技术细节也可以应用于第一实施方式。
需要说明的是，本领域技术人员应当理解，上述消费合约处理系统的实施方式中所示的各模块的实现功能可参照前述消费合约处理方法的相关描述而理解。上述消费合约处理系统的实施方式中所示的各模块的功能可通过运行于处理器上的程序(可执行指令)而实现，也可通过具体的逻辑电路而实现。本说明书实施例上述消费合约处理系统如果以软件功能模块的形式实现并作为独立的产品销售或使用时，也可以存储在一个计算机可读取存储介质中。基于这样的理解，本说明书实施例的技术方案本质上或者说对 现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质中，包括若干指令用以使得一台计算机设备(可以是个人计算机、服务器、或者网络设备等)执行本说明书各个实施例所述方法的全部或部分。而前述的存储介质包括：U盘、移动硬盘、只读存储器(ROM，Read Only Memory)、磁碟或者光盘等各种可以存储程序代码的介质。这样，本说明书实施例不限制于任何特定的硬件和软件结合。
相应地，本说明书实施方式还提供一种计算机可读存储介质，其中存储有计算机可执行指令，该计算机可执行指令被处理器执行时实现本说明书的各方法实施方式。计算机可读存储介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括但不限于，相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读存储介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
此外，本说明书实施方式还提供一种消费合约处理系统，其中包括用于存储计算机可执行指令的存储器，以及，处理器；该处理器用于在执行该存储器中的计算机可执行指令时实现上述各方法实施方式中的步骤。其中，该处理器可以是中央处理单元(Central Processing Unit，简称“CPU”)，还可以是其他通用处理器、数字信号处理器(Digital Signal Processor，简称“DSP”)、专用集成电路(Application Specific Integrated Circuit，简称“ASIC”)等。前述的存储器可以是只读存储器(read-only memory，简称“ROM”)、随机存取存储器(random access memory，简称“RAM”)、快闪存储器(Flash)、硬盘或者固态硬盘等。本发明各实施方式所公开的方法的步骤可以直接体现为硬件处理器执行完成，或者用处理器中的硬件及软件模块组合执行完成。
需要说明的是，在本专利的申请文件中，诸如第一和第二等之类的关系术语仅仅用来将一个实体或者操作与另一个实体或操作区分开来，而不一定要求或者暗示这些实体或操作之间存在任何这种实际的关系或者顺序。而且，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物 品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个”限定的要素，并不排除在包括所述要素的过程、方法、物品或者设备中还存在另外的相同要素。本专利的申请文件中，如果提到根据某要素执行某行为，则是指至少根据该要素执行该行为的意思，其中包括了两种情况：仅根据该要素执行该行为、和根据该要素和其它要素执行该行为。多个、多次、多种等表达包括2个、2次、2种以及2个以上、2次以上、2种以上。
在本说明书提及的所有文献都被认为是整体性地包括在本说明书的公开内容中，以便在必要时可以作为修改的依据。此外应理解，以上所述仅为本说明书的较佳实施例而已，并非用于限定本说明书的保护范围。凡在本说明书一个或多个实施例的精神和原则之内，所作的任何修改、等同替换、改进等，均应包含在本说明书一个或多个实施例的保护范围之内。
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。

Claims (22)

  1. 一种消费合约处理方法，其特征在于，包括：
    使用第一账户的第一终端获取商户系统发布的消费合约要素集合；
    基于所述消费合约要素集合，所述第一终端与所述商户系统签署消费合约；
    所述第一终端通过与服务器的交互使得所述第一账户加入区块链；
    所述第一终端向其他终端发送邀请消息，供至少一个其他账户根据该邀请消息加入所述区块链；
    将所述第一账户和所述其他账户的消费记录存储在所述区块链中；
    根据所述区块链中的消费记录确定所述消费合约的履约情况。
  2. 如权利要求1所述的方法，其特征在于，所述基于所述消费合约要素集合，所述第一终端与所述商户系统签署消费合约，进一步包括：
    查询所述第一账户的信用标准值，如果所述信用标准值满足约定条件，则所述商户系统与所述第一终端签署消费合约，否则拒绝所述第一终端。
  3. 如权利要求2所述的方法，其特征在于，所述签署消费合约时以所述第一账户的信用标准值作为担保。
  4. 如权利要求1所述的方法，其特征在于，所述区块链是私有区块链。
  5. 如权利要求4所述的方法，其特征在于，所述区块链以分布式账本记录所述第一账户和所述其他账户的消费记录，所述商户系统、所述第一终端和使用所述其他账户的终端拥有查询所述区块链中数据的权限。
  6. 如权利要求1所述的方法，其特征在于，所述区块链的第一个区块中记录所述消费合约要素集合和所述第一账户的信息。
  7. 如权利要求1至6中任意一项所述的方法，其特征在于，所述根据所述区块链中的消费记录确定所述消费合约的履约情况，进一步包括：
    对所述区块链中的消费记录进行统计，如果统计结果满足所述消费合约的要求，则判定为履约；如果统计结果不满足所述消费合约的要求，则判定为违约。
  8. 如权利要求7所述的方法，其特征在于，所述判定为履约之后，还包括：增加所述第一账户的信用标准值。
  9. 如权利要求7所述的方法，其特征在于，所述判定为违约之后，还包括：所述第一账户向所述商户系统返还约定权益。
  10. 如权利要求9所述的方法，其特征在于，所述判定为违约之后，还包括：如果所述第一账户在约定时间内未向所述商户系统返还约定权益，扣减所述第一账户的信用 标准值。
  11. 一种消费合约处理系统，其特征在于，包括：
    使用第一账户的第一终端，用于获取商户系统发布的消费合约要素集合，通过与服务器的交互使得所述第一账户加入区块链，向其他终端发送邀请消息，供至少一个其他账户根据该邀请消息加入所述区块链；
    签约模块，用于基于所述消费合约要素集合，完成所述第一终端与所述商户系统的消费合约的签署；
    区块链，用于存储所述第一账户和所述其他账户的消费记录；
    履约判定模块，用于根据所述区块链中的消费记录确定所述消费合约的履约情况。
  12. 如权利要求11所述的系统，其特征在于，所述签约模块进一步包括：
    查询子模块，用于查询所述第一账户的信用标准值；
    判断子模块，用于判断所述查询子模块查询所得的信用标准值是否满足约定条件；
    签署子模块，用于在所述判断子模块判定所述信用标准值满足约定条件时，完成所述第一终端与所述商户系统的消费合约的签署。
  13. 如权利要求12所述的系统，其特征在于，所述签署消费合约时以所述第一账户的信用标准值作为担保。
  14. 如权利要求11所述的系统，其特征在于，所述区块链是私有区块链。
  15. 如权利要求14所述的系统，其特征在于，所述区块链以分布式账本记录所述第一账户和所述其他账户的消费记录，所述商户系统、所述第一终端和使用所述其他账户的终端拥有查询所述区块链中数据的权限。
  16. 如权利要求11所述的系统，其特征在于，所述区块链的第一个区块中记录所述消费合约要素集合和所述第一账户的信息。
  17. 如权利要求11至16中任意一项所述的系统，其特征在于，所述履约判定模块对所述区块链中的消费记录进行统计，如果统计结果满足所述消费合约的要求则判定为履约，如果统计结果不满足所述消费合约的要求则判定为违约。
  18. 如权利要求17所述的系统，其特征在于，所述履约判定模块还用于，在判定为履约之后，增加所述第一账户的信用标准值。
  19. 如权利要求17所述的系统，其特征在于，所述履约判定模块还用于，在判定为违约之后，向所述第一账户发送要求返还约定权益的消息。
  20. 如权利要求19所述的系统，其特征在于，所述履约判定模块还用于，如果所述第一账户在约定时间内未向所述商户系统返还约定权益，扣减所述第一账户的信用标 准值。
  21. 一种消费合约处理系统，其特征在于，包括：
    存储器，用于存储计算机可执行指令；以及，
    处理器，用于在执行所述计算机可执行指令时实现如权利要求1至10中任意一项所述的方法中的步骤。
  22. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质中存储有计算机可执行指令，所述计算机可执行指令被处理器执行时实现如权利要求1至10中任意一项所述的方法中的步骤。
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