WO2021121030A1 - Resource transfer method, settlement terminal, and server node - Google Patents

Resource transfer method, settlement terminal, and server node Download PDF

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WO2021121030A1
WO2021121030A1 PCT/CN2020/133167 CN2020133167W WO2021121030A1 WO 2021121030 A1 WO2021121030 A1 WO 2021121030A1 CN 2020133167 W CN2020133167 W CN 2020133167W WO 2021121030 A1 WO2021121030 A1 WO 2021121030A1
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resource
attribute information
information
server node
checkout terminal
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PCT/CN2020/133167
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French (fr)
Chinese (zh)
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刘铁
姜丰
高建斌
杨燕明
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中国银联股份有限公司
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Priority to CN201911304649.1A priority patent/CN112862466A/en
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Publication of WO2021121030A1 publication Critical patent/WO2021121030A1/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/06Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/06Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/387Payment using discounts or coupons
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

A resource transfer method, a settlement terminal, and a server node. The method comprises: a settlement terminal acquires two-dimensional code information corresponding to a resource of a consumer terminal (301), the two-dimensional code information corresponding to the resource comprising resource attribute information; verifying the resource attribute information according to a public key corresponding to signature information in the resource attribute information (302); and sending a resource transfer transaction request to a server node according to the resource attribute information after confirming that verification succeeds (303), the resource transfer transaction request comprising the resource attribute information so that the server node completes resource transfer after verifying the resource attribute information. By using a public key corresponding to signature information in resource attribute information to verify the resource attribute information, a resource can be verified even when the settlement terminal is disconnected from the backend. Therefore, the security of resource transfer is ensured, and offline resource transfer is implemented.

Description

一种资源转移的方法及结账终端、服务器节点Method for resource transfer, checkout terminal and server node
相关申请的交叉引用Cross-references to related applications
本申请要求在2019年12月17日提交中国专利局、申请号为201911304649.1、申请名称为“一种资源转移的方法及结账终端、服务器节点”的中国专利申请的优先权,其全部内容通过引用结合在本申请中。This application claims the priority of a Chinese patent application filed with the Chinese Patent Office with the application number 201911304649.1 on December 17, 2019, with the application name "A method of resource transfer and checkout terminal, server node", the entire content of which is by reference Incorporated in this application.
技术领域Technical field
本发明实施例涉及资源转移技术领域,尤其涉及一种资源转移的方法及结账终端、服务器节点。The embodiment of the present invention relates to the technical field of resource transfer, in particular to a method for resource transfer, a checkout terminal, and a server node.
背景技术Background technique
目前,云闪付、跨境营销活动常开展资源营销活动,在提升交易量,增强用户粘度的方面起到了关键作用。传统的资源运作方式通常采用在后台服务器批量生成资源,消费者在结账终端通过刷卡或者云闪付手机支付终端进行消费结算,终端获取消费者支付信息,向后台服务器发起交易请求,后台服务器根据用户报名以及活动规则判断和计算折扣金额,并在原始消费金额的基础上扣减折扣金额完成交易请求,并将消费结算的结果告知消费者。这种技术架构对服务器和受理终端甚至持卡人手机信号的稳定性要求很高,任意环节的故障都会导致服务不可用。At present, cloud QuickPass and cross-border marketing activities often carry out resource marketing activities, which have played a key role in increasing transaction volume and enhancing user viscosity. The traditional resource operation method usually uses the background server to generate resources in batches. Consumers use the card or cloud flash payment mobile payment terminal to settle the consumption at the checkout terminal. The terminal obtains the consumer’s payment information and initiates a transaction request to the background server. Registration and activity rules judge and calculate the discount amount, and deduct the discount amount on the basis of the original consumption amount to complete the transaction request, and notify the consumer of the result of the consumption settlement. This technical architecture requires a high level of stability of the server, acceptance terminal, and even the cardholder’s mobile phone signal, and failures in any link will cause the service to be unavailable.
发明内容Summary of the invention
本发明实施例提供一种资源转移的方法及结账终端、服务器节点,用以实现资源的资源转移。The embodiment of the present invention provides a resource transfer method, checkout terminal, and server node, which are used to implement resource transfer.
第一方面,本发明实施例提供一种资源转移的方法,包括:In the first aspect, an embodiment of the present invention provides a resource transfer method, including:
结账终端获取消费终端的资源对应的二维码信息;所述资源对应的二维码信息包括资源属性信息;The checkout terminal obtains the two-dimensional code information corresponding to the resource of the consumer terminal; the two-dimensional code information corresponding to the resource includes resource attribute information;
所述结账终端根据所述资源属性信息中的签名信息对应的公钥对所述资源属性信息进行校验;The checkout terminal verifies the resource attribute information according to the public key corresponding to the signature information in the resource attribute information;
所述结账终端在确认校验通过后根据所述资源属性信息向服务器节点发送资源转移交易请求,所述资源转移交易请求包括所述资源属性信息,以使所述服务器节点对所述资源属性信息进行校验后完成资源转移。The checkout terminal sends a resource transfer transaction request to the server node according to the resource attribute information after confirming that the check is passed, and the resource transfer transaction request includes the resource attribute information, so that the server node can respond to the resource attribute information. The resource transfer is completed after verification.
上述技术方案中,使用资源属性信息中的签名信息对应的公钥对资源属性信息进行校验,可以实现即使出现结账终端与后台中断的情况也可以对资源进行验证,保证了资源转移安全,进而实现了资源离线支付。In the above technical solution, the public key corresponding to the signature information in the resource attribute information is used to verify the resource attribute information, which can verify the resource even if the checkout terminal and the background are interrupted, ensuring the security of resource transfer, and then Realize the offline payment of resources.
可选的,所述结账终端根据所述资源属性信息中的签名信息对应的公钥对所述资源属性信息进行校验,包括:Optionally, the checkout terminal verifying the resource attribute information according to the public key corresponding to the signature information in the resource attribute information includes:
所述结账终端根据所述资源属性信息中的签名信息对应的公钥验证所述资源的发布机构是否正确;The checkout terminal verifies whether the issuing agency of the resource is correct according to the public key corresponding to the signature information in the resource attribute information;
所述结账终端对所述资源属性信息进行解析得到所述资源有效期、资源的商户类别码(Merchant Category Code,MCC);The checkout terminal analyzes the resource attribute information to obtain the resource validity period and the merchant category code (MCC) of the resource;
所述结账终端确定所述资源有效期是否超期且所述商户类别码是否位于商户类别码列表中。The checkout terminal determines whether the validity period of the resource has expired and whether the merchant category code is in the merchant category code list.
可选的,所述服务器节点为区块链中的任一节点。Optionally, the server node is any node in the blockchain.
第二方面,本发明实施例提供一种资源转移的方法,包括:In the second aspect, an embodiment of the present invention provides a resource transfer method, including:
服务器节点接收结账终端发送的资源转移交易请求,所述资源转移交易请求包括资源属性信息;所述资源转移交易请求是所述结账终端在对所述资源属性信息校验通过后发送的;The server node receives a resource transfer transaction request sent by the checkout terminal, where the resource transfer transaction request includes resource attribute information; the resource transfer transaction request is sent by the checkout terminal after the checkout terminal passes the verification of the resource attribute information;
所述服务器节点确定所述资源属性信息中资源参与条件是否符合营销活动要求;The server node determines whether the resource participation condition in the resource attribute information meets the requirements of the marketing activity;
若是,则所述服务器节点根据所述资源属性信息中的资源ID和资源金额完成资源转移,并对支付信息进行共识确认。If so, the server node completes the resource transfer according to the resource ID and the resource amount in the resource attribute information, and confirms the payment information by consensus.
可选的,所述服务器节点对支付信息进行共识确认,包括:Optionally, the server node's consensus confirmation on payment information includes:
所述服务器节点在接收到大于预设数量的有效共识确认时,确认对所述 支付信息达成共识。When the server node receives more than a preset number of valid consensus confirmations, it confirms that a consensus is reached on the payment information.
可选的,所述服务器节点对支付信息进行共识确认之后,还包括:Optionally, after the server node confirms the payment information by consensus, the method further includes:
所述服务器节点将所述支付信息记录到节点账本中。The server node records the payment information in the node ledger.
可选的,所述服务器节点为区块链中的任一节点。Optionally, the server node is any node in the blockchain.
第三方面,本发明实施例提供一种结账终端,包括:In a third aspect, an embodiment of the present invention provides a checkout terminal, including:
获取单元,用于获取消费终端的资源对应的二维码信息;所述资源对应的二维码信息包括资源属性信息;The obtaining unit is configured to obtain the QR code information corresponding to the resource of the consumer terminal; the QR code information corresponding to the resource includes resource attribute information;
校验单元,用于根据所述资源属性信息中的签名信息对应的公钥对所述资源属性信息进行校验;A verification unit, configured to verify the resource attribute information according to the public key corresponding to the signature information in the resource attribute information;
发送单元,用于在确认校验通过后根据所述资源属性信息向服务器节点发送资源转移交易请求,所述资源转移交易请求包括所述资源属性信息,以使所述服务器节点对所述资源属性信息进行校验后完成资源转移。The sending unit is configured to send a resource transfer transaction request to the server node according to the resource attribute information after the verification is passed, and the resource transfer transaction request includes the resource attribute information, so that the server node can check the resource attribute information. After the information is verified, the resource transfer is completed.
可选的,所述校验单元具体用于:Optionally, the verification unit is specifically configured to:
根据所述资源属性信息中的签名信息对应的公钥验证所述资源的发布机构是否正确;Verifying whether the issuing agency of the resource is correct according to the public key corresponding to the signature information in the resource attribute information;
对所述资源属性信息进行解析得到所述资源有效期、资源的商户类别码;Analyze the resource attribute information to obtain the validity period of the resource and the merchant category code of the resource;
确定所述资源有效期是否超期且所述商户类别码是否位于资源商户类别码列表中。It is determined whether the validity period of the resource is overdue and the merchant category code is in the resource merchant category code list.
可选的,所述服务器节点为区块链中的任一节点。Optionally, the server node is any node in the blockchain.
第四方面,本发明实施例提供一种服务器节点,包括:In a fourth aspect, an embodiment of the present invention provides a server node, including:
接收单元,用于接收结账终端发送的资源转移交易请求,所述资源转移交易请求包括资源属性信息;所述资源转移交易请求是所述结账终端在对所述资源属性信息校验通过后发送的;The receiving unit is configured to receive a resource transfer transaction request sent by the checkout terminal, where the resource transfer transaction request includes resource attribute information; the resource transfer transaction request is sent by the checkout terminal after the resource attribute information is verified ;
处理单元,用于确定所述资源属性信息中资源参与条件是否符合营销活动要求;若是,则根据所述资源属性信息中的资源ID和资源金额完成资源转移,并对支付信息进行共识确认。The processing unit is used to determine whether the resource participation conditions in the resource attribute information meet the requirements of marketing activities; if so, complete the resource transfer according to the resource ID and the resource amount in the resource attribute information, and perform consensus confirmation on payment information.
可选的,所述处理单元具体用于:Optionally, the processing unit is specifically configured to:
在接收到大于预设数量的有效共识确认时,确认对所述支付信息达成共识。When a valid consensus confirmation greater than a preset number is received, it is confirmed that a consensus is reached on the payment information.
可选的,所述处理单元还用于:Optionally, the processing unit is further configured to:
所述对支付信息进行共识确认之后,将所述支付信息记录到节点账本中。After the consensus confirmation on the payment information, the payment information is recorded in the node ledger.
可选的,所述服务器节点为区块链中的任一节点。Optionally, the server node is any node in the blockchain.
第五方面,本发明实施例还提供一种计算设备,包括:In a fifth aspect, an embodiment of the present invention also provides a computing device, including:
存储器,用于存储程序指令;Memory, used to store program instructions;
处理器,用于调用所述存储器中存储的程序指令,按照获得的程序执行上述资源转移的方法。The processor is configured to call the program instructions stored in the memory, and execute the above-mentioned resource transfer method according to the obtained program.
第六方面,本发明实施例还提供一种计算机可读非易失性存储介质,包括计算机可读指令,当计算机读取并执行所述计算机可读指令时,使得计算机执行上述资源转移的方法。In a sixth aspect, embodiments of the present invention also provide a computer-readable non-volatile storage medium, including computer-readable instructions. When the computer reads and executes the computer-readable instructions, the computer executes the above-mentioned resource transfer method. .
附图说明Description of the drawings
为了更清楚地说明本发明实施例中的技术方案,下面将对实施例描述中所需要使用的附图作简要介绍,显而易见地,下面描述中的附图仅仅是本发明的一些实施例,对于本领域的普通技术人员来讲,在不付出创造性劳动的前提下,还可以根据这些附图获得其他的附图。In order to explain the technical solutions in the embodiments of the present invention more clearly, the following will briefly introduce the drawings needed in the description of the embodiments. Obviously, the drawings in the following description are only some embodiments of the present invention. For those of ordinary skill in the art, without creative work, other drawings can be obtained based on these drawings.
图1为本发明实施例提供的一种系统架构的示意图;FIG. 1 is a schematic diagram of a system architecture provided by an embodiment of the present invention;
图2为本发明实施例提供的一种服务器节点的示意图;FIG. 2 is a schematic diagram of a server node provided by an embodiment of the present invention;
图3为本发明实施例提供的一种资源转移的方法的流程示意图;FIG. 3 is a schematic flowchart of a method for resource transfer according to an embodiment of the present invention;
图4为本发明实施例提供的一种结账终端的结构示意图;4 is a schematic structural diagram of a checkout terminal provided by an embodiment of the present invention;
图5为本发明实施例提供的一种服务器节点的结构示意图;FIG. 5 is a schematic structural diagram of a server node provided by an embodiment of the present invention;
图6为本发明另一实施例提供的一种结账终端的结构示意图;6 is a schematic structural diagram of a checkout terminal provided by another embodiment of the present invention;
图7为本发明另一实施例提供的一种服务器节点的结构示意图。FIG. 7 is a schematic structural diagram of a server node provided by another embodiment of the present invention.
具体实施方式Detailed ways
为了使本发明的目的、技术方案和优点更加清楚,下面将结合附图对本发明作进一步地详细描述,显然,所描述的实施例仅仅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它实施例,都属于本发明保护的范围。In order to make the objectives, technical solutions, and advantages of the present invention clearer, the present invention will be further described in detail below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all of them. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative work shall fall within the protection scope of the present invention.
图1示例性的示出了本发明实施例所适用的一种系统架构,该系统架构可以包括消费者终端100、结账终端200和区块链300。FIG. 1 exemplarily shows a system architecture to which an embodiment of the present invention is applicable. The system architecture may include a consumer terminal 100, a checkout terminal 200, and a blockchain 300.
其中,区块链300是由多个服务器节点组成,节点之间通过云网络相互通讯,形成后台。该区块链300可以为联盟链。Among them, the blockchain 300 is composed of multiple server nodes, and the nodes communicate with each other through a cloud network to form a background. The blockchain 300 may be a consortium chain.
消费者终端100向结账终端200展示自己持有的资源,结账终端200识别资源后发起资源转移交易请求,最终通过后台完成支付交易。该结账终端200可以为商超结账终端。The consumer terminal 100 displays the resources it holds to the checkout terminal 200, and the checkout terminal 200 initiates a resource transfer transaction request after identifying the resource, and finally completes the payment transaction through the background. The checkout terminal 200 may be a supermarket checkout terminal.
每个服务器节点在获取到交易请求时自动获取记账权,交易确认成功后将交易记录到节点账本中。Each server node automatically obtains the accounting right when it obtains the transaction request, and records the transaction in the node ledger after the transaction is confirmed successfully.
其中,每个服务器节点的结构可以如图2所示,可以包括资源参数装载模块310、资源密钥管理模块320、资源校验模块330、资源转移确认模块340和系统管理模块350。The structure of each server node may be as shown in FIG. 2, and may include a resource parameter loading module 310, a resource key management module 320, a resource verification module 330, a resource transfer confirmation module 340, and a system management module 350.
其中,资源参数装载模块310负责装载资源参数,包括资源所属的营销活动名称,资源使用的场景等信息。资源秘钥管理模块320负责维护资源秘钥,包括生成资源的私钥以及验证资源的公钥。资源校验模块330负责校验资源的真伪,通常使用非对称加密算法实现。资源转移确认模块340负责在结账终端发起交易后在后台中做实交易,具体采用后台共识机制实现该功能。系统管理模块350负责其他管理类功能,如资源使用情况统计等。The resource parameter loading module 310 is responsible for loading resource parameters, including information such as the name of the marketing activity to which the resource belongs, and the scenario in which the resource is used. The resource key management module 320 is responsible for maintaining the resource key, including generating the private key of the resource and verifying the public key of the resource. The resource verification module 330 is responsible for verifying the authenticity of resources, and is usually implemented by using an asymmetric encryption algorithm. The resource transfer confirmation module 340 is responsible for performing real transactions in the background after the checkout terminal initiates the transaction, and specifically uses the background consensus mechanism to implement this function. The system management module 350 is responsible for other management functions, such as resource usage statistics.
需要说明的是,上述图1、图2所示的结构仅是一种示例,本发明实施例对此不做限定。It should be noted that the above-mentioned structures shown in FIG. 1 and FIG. 2 are only an example, which is not limited in the embodiment of the present invention.
基于上述描述,图3详细的示出了本发明实施例提供的一种资源转移的 方法的流程,下面将通过结账终端与服务器节点交互的方式来进行描述。Based on the foregoing description, FIG. 3 shows in detail the flow of a resource transfer method provided by an embodiment of the present invention, which will be described in the following through the interaction between the checkout terminal and the server node.
如图3所示,该流程具体包括:As shown in Figure 3, the process specifically includes:
步骤301,结账终端获取消费终端的资源对应的二维码信息。Step 301: The checkout terminal obtains the QR code information corresponding to the resource of the consumer terminal.
该资源对应的二维码信息可以包括资源属性信息。在本发明实施例中,资源在数据呈现形式上是一串不可读的字符串,其中包含了资源的各属性信息:资源ID、资源金额、资源有效期、资源商户类别码列表、资源关键域(资源ID、资源金额、资源有效期)签名。此外还可以包括资源参与的营销活动名、分组名,是否支持叠加,资源使用场景,资源入口条件等等属性。资源的签名是保证资源来自可信签发渠道。The two-dimensional code information corresponding to the resource may include resource attribute information. In the embodiment of the present invention, the resource is an unreadable string in the form of data presentation, which contains the attribute information of the resource: resource ID, resource amount, resource validity period, resource merchant category code list, resource key domain ( Resource ID, resource amount, resource validity period) signature. In addition, it can also include attributes such as the name of the marketing activity that the resource participates in, the name of the group, whether to support overlay, resource usage scenarios, and resource entry conditions. The signature of a resource is to ensure that the resource comes from a trusted issuance channel.
其中资源采用不可读字符串的存储形式是保证资源能够离线使用以及离线转赠送,并且不记名的技术手段,也在基础数据层面保证了资源可信且不被篡改。在此基础上对关键数据域签名加强资源在技术上的可信保证。The storage form of resources using unreadable strings is to ensure that the resources can be used offline and transferred offline, and an anonymous technical means also ensures that the resources are credible and not tampered with at the basic data level. On this basis, the signature of key data fields strengthens the technical credibility of resources.
步骤302,结账终端根据所述资源属性信息中的签名信息对应的公钥对所述资源属性信息进行校验。Step 302: The checkout terminal verifies the resource attribute information according to the public key corresponding to the signature information in the resource attribute information.
结账终端扫描资源对应的二维码后可以得到资源属性信息之后,可以使用公钥进行校验,相当于进行解密验证。具体的,结账终端可以根据资源属性信息中的签名信息对应的公钥验证资源的发布机构是否正确,结账终端对资源属性信息进行解析得到资源有效期、资源的商户类别码。以及结账终端确定资源有效期是否超期且商户类别码是否位于资源商户类别码列表中。当所有的信息都通过后,表示验证通过。After the checkout terminal scans the QR code corresponding to the resource to obtain the resource attribute information, the public key can be used for verification, which is equivalent to decryption verification. Specifically, the checkout terminal can verify whether the issuing agency of the resource is correct according to the public key corresponding to the signature information in the resource attribute information, and the checkout terminal analyzes the resource attribute information to obtain the resource validity period and the merchant category code of the resource. And the checkout terminal determines whether the validity period of the resource has expired and whether the merchant category code is in the resource merchant category code list. When all the information is passed, it means that the verification is passed.
其中,结账终端使用的公钥是需要每天更新的,在开启设备的时候自动更新该公钥。该公钥是由资源发行的服务器节点生成的,同时生成的还有对资源加密的密钥。Among them, the public key used by the checkout terminal needs to be updated every day, and the public key is automatically updated when the device is turned on. The public key is generated by the server node issued by the resource, and the key to encrypt the resource is also generated.
步骤303,结账终端在确认校验通过后根据所述资源属性信息向服务器节点发送资源转移交易请求。In step 303, the checkout terminal sends a resource transfer transaction request to the server node according to the resource attribute information after confirming that the verification is passed.
该资源转移交易请求中包括资源属性信息。The resource transfer transaction request includes resource attribute information.
步骤304,服务器节点确定所述资源属性信息中资源参与条件是否符合营 销活动要求。Step 304: The server node determines whether the resource participation conditions in the resource attribute information meet the requirements of the marketing activity.
在本发明实施例中,服务器节点为区块链中的任一节点。服务器节点在接收到交易请求之后,可以先对资源属性信息进行进一步的验证。主要是验证资源参与条件是否符合营销活动要求,例如,可以验证资源参与的营销活动名、分组名,是否支持叠加,资源使用场景,资源入口条件等等信息。In the embodiment of the present invention, the server node is any node in the blockchain. After the server node receives the transaction request, it can first perform further verification on the resource attribute information. The main purpose is to verify whether the resource participation conditions meet the requirements of marketing activities. For example, it can verify the name of the marketing activity in which the resource participates, the group name, whether it supports overlay, resource usage scenarios, resource entry conditions, and other information.
对于不符合活动要求的交易会返回交易失败。For transactions that do not meet the activity requirements, transaction failures will be returned.
步骤305,若符合,则服务器节点根据所述资源属性信息中的资源ID和资源金额完成资源转移,并对支付信息进行共识确认。In step 305, if it matches, the server node completes the resource transfer according to the resource ID and the resource amount in the resource attribute information, and confirms the payment information by consensus.
在对支付信息进行共识时,可以采用有效确认计数方式达成交易共识。也就是说,服务器节点在接收到大于预设数量的有效共识确认时,确认对支付信息达成共识。同时在达成共识之后,可以将支付信息记录到节点账本中。When consensus is reached on payment information, an effective confirmation counting method can be used to reach a transaction consensus. That is to say, when the server node receives more than a preset number of valid consensus confirmations, it confirms that a consensus is reached on the payment information. At the same time, after reaching a consensus, the payment information can be recorded in the node ledger.
由于后台属于相对封闭的行业联盟网络,其中的节点具备基本的可信赖度,为权衡系统运作效率和交易可靠程度,不需要强共识机制,采用有效确认计数方式达成交易共识。当节点收到的确认数达到最小确认数时,给受理测返回交易成功应答。并将该交易记录到当前节点账本中。Since the background belongs to a relatively closed industry alliance network, the nodes in it have basic trustworthiness. In order to weigh the system operation efficiency and transaction reliability, a strong consensus mechanism is not required, and an effective confirmation counting method is adopted to reach a transaction consensus. When the number of confirmations received by the node reaches the minimum number of confirmations, a successful transaction response is returned to the acceptance test. And record the transaction in the current node ledger.
该资源转移的过程也可以称为是资源支付的过程。通过这种方式可以实现资源离线转移,也可以说是资源离线支付。The process of resource transfer can also be referred to as the process of resource payment. In this way, offline resource transfer can be realized, which can also be said to be offline resource payment.
通过上述资源转移的流程,可以实现在移动支付终端(云闪付)近0延时随意转赠,不需要到应用后台登记。由于资源采用非对称加密方式私钥加密,支付前结账终端需要事先下载公钥,支付时结账终端中断通过公钥验证资源为银联系统发放保证资源的支付安全。服务器节点发生故障或被攻击时不影响整体支付功能的正常运作,支付确认的共识机制保证资源被使用后不会被再次消费。消费者终端网络不通时,不影响资源转移。Through the above-mentioned resource transfer process, it is possible to transfer the gift at the mobile payment terminal (cloud QuickPass) with nearly zero delay, without the need to register in the application background. Since resources are encrypted with asymmetric private key encryption, the checkout terminal needs to download the public key in advance before payment. When paying, the checkout terminal stops verifying the resource through the public key to ensure the payment security of the resource for the UnionPay system. When a server node fails or is attacked, it does not affect the normal operation of the overall payment function. The consensus mechanism of payment confirmation ensures that resources will not be consumed again after they are used. When the consumer terminal network fails, it does not affect the transfer of resources.
上述实施例表明,结账终端获取消费终端的资源对应的二维码信息,资源对应的二维码信息包括资源属性信息,根据资源属性信息中的签名信息对应的公钥对资源属性信息进行校验,在确认校验通过后根据资源属性信息向服务器节点发送资源转移交易请求,资源转移交易请求包括资源属性信息, 以使服务器节点对资源属性信息进行校验后完成资源转移,其中,服务器节点为区块链中的任一节点。使用资源属性信息中的签名信息对应的公钥对资源属性信息进行校验,可以实现即使出现结账终端与后台中断的情况也可以对资源进行验证,保证了资源转移安全,进而实现了离线资源转移。The above embodiment shows that the checkout terminal obtains the QR code information corresponding to the resource of the consumer terminal, the QR code information corresponding to the resource includes resource attribute information, and the resource attribute information is verified according to the public key corresponding to the signature information in the resource attribute information After confirming that the verification is passed, the resource transfer transaction request is sent to the server node according to the resource attribute information. The resource transfer transaction request includes resource attribute information so that the server node can complete the resource transfer after verifying the resource attribute information. The server node is Any node in the blockchain. Use the public key corresponding to the signature information in the resource attribute information to verify the resource attribute information, which can verify the resource even if the checkout terminal and the background are interrupted, ensuring the security of resource transfer, and then realizing offline resource transfer .
基于相同的技术构思,图4示例性的示出了本发明实施例提供的一种结账终端的结构,该结账终端可以执行资源转移的流程。Based on the same technical concept, FIG. 4 exemplarily shows the structure of a checkout terminal provided by an embodiment of the present invention, and the checkout terminal can execute a resource transfer process.
如图4所示,该结账终端具体包括:As shown in Figure 4, the checkout terminal specifically includes:
获取单元401,用于获取消费终端的资源对应的二维码信息;所述资源对应的二维码信息包括资源属性信息;The obtaining unit 401 is configured to obtain two-dimensional code information corresponding to a resource of a consumer terminal; the two-dimensional code information corresponding to the resource includes resource attribute information;
校验单元402,用于根据所述资源属性信息中的签名信息对应的公钥对所述资源属性信息进行校验;The verification unit 402 is configured to verify the resource attribute information according to the public key corresponding to the signature information in the resource attribute information;
发送单元403,用于在确认校验通过后根据所述资源属性信息向服务器节点发送资源转移交易请求,所述资源转移交易请求包括所述资源属性信息,以使所述服务器节点对所述资源属性信息进行校验后完成资源转移;The sending unit 403 is configured to send a resource transfer transaction request to the server node according to the resource attribute information after the verification is passed, and the resource transfer transaction request includes the resource attribute information so that the server node can After the attribute information is verified, the resource transfer is completed;
其中,所述服务器节点为联盟链中的任一节点。Wherein, the server node is any node in the alliance chain.
可选的,所述校验单元402具体用于:Optionally, the verification unit 402 is specifically configured to:
根据所述资源属性信息中的签名信息对应的公钥验证所述资源的发布机构是否正确;Verifying whether the issuing agency of the resource is correct according to the public key corresponding to the signature information in the resource attribute information;
对所述资源属性信息进行解析得到所述资源有效期、资源的商户类别码;Analyze the resource attribute information to obtain the validity period of the resource and the merchant category code of the resource;
确定所述资源有效期是否超期且所述商户类别码是否位于资源商户类别码列表中。It is determined whether the validity period of the resource is overdue and the merchant category code is in the resource merchant category code list.
可选的,所述服务器节点为区块链中的任一节点。Optionally, the server node is any node in the blockchain.
基于相同的技术构思,图5示例性的示出了本发明实施例提供的一种服务器节点的结构,该服务器节点可以执行资源转移的流程。Based on the same technical concept, FIG. 5 exemplarily shows a structure of a server node provided by an embodiment of the present invention, and the server node can execute a resource transfer process.
如图5所示,该服务器节点具体包括:As shown in Figure 5, the server node specifically includes:
接收单元501,用于接收结账终端发送的资源转移交易请求,所述资源转移交易请求包括资源属性信息;所述资源转移交易请求是所述结账终端在对 所述资源属性信息校验通过后发送的;服务器节点为联盟链中的任一节点;The receiving unit 501 is configured to receive a resource transfer transaction request sent by the checkout terminal, where the resource transfer transaction request includes resource attribute information; the resource transfer transaction request is sent by the checkout terminal after the checkout terminal passes the verification of the resource attribute information The server node is any node in the alliance chain;
处理单元502,用于确定所述资源属性信息中资源参与条件是否符合营销活动要求;若是,则根据所述资源属性信息中的资源ID和资源金额完成资源转移,并对支付信息进行共识确认。The processing unit 502 is configured to determine whether the resource participation condition in the resource attribute information meets the requirements of the marketing activity; if so, complete the resource transfer according to the resource ID and the resource amount in the resource attribute information, and confirm the payment information by consensus.
可选的,所述处理单元502具体用于:Optionally, the processing unit 502 is specifically configured to:
在接收到大于预设数量的有效共识确认时,确认对所述支付信息达成共识。When a valid consensus confirmation greater than a preset number is received, it is confirmed that a consensus is reached on the payment information.
可选的,所述处理单元502还用于:Optionally, the processing unit 502 is further configured to:
所述对支付信息进行共识确认之后,将所述支付信息记录到节点账本中。After the consensus confirmation on the payment information, the payment information is recorded in the node ledger.
可选的,所述服务器节点为区块链中的任一节点。Optionally, the server node is any node in the blockchain.
基于相同的原理,本发明另一实施例中,还提供了一种结账终端,其具体实施可参见上述方法中部分结账终端的具体实施,重复之处不再赘述,如图6所示,该终端主要包括:收发信机601、处理器602和存储器603;Based on the same principle, in another embodiment of the present invention, a checkout terminal is also provided. For specific implementation, please refer to the specific implementation of part of the checkout terminal in the above method. The terminal mainly includes: a transceiver 601, a processor 602 and a memory 603;
存储器603,存储一个或多个可执行程序,被用于配置处理器;The memory 603 stores one or more executable programs and is used to configure the processor;
处理器602,用于获取消费终端的资源对应的二维码信息;所述资源对应的二维码信息包括资源属性信息;根据所述资源属性信息中的签名信息对应的公钥对所述资源属性信息进行校验;The processor 602 is configured to obtain the two-dimensional code information corresponding to the resource of the consumer terminal; the two-dimensional code information corresponding to the resource includes resource attribute information; and the resource is paired with the public key corresponding to the signature information in the resource attribute information. Attribute information is verified;
收发信机601,用于在确认校验通过后根据所述资源属性信息向服务器节点发送资源转移交易请求,所述资源转移交易请求包括所述资源属性信息,以使所述服务器节点对所述资源属性信息进行校验后完成资源转移。The transceiver 601 is configured to send a resource transfer transaction request to a server node according to the resource attribute information after the verification is passed, and the resource transfer transaction request includes the resource attribute information, so that the server node can After the resource attribute information is verified, the resource transfer is completed.
优选地,处理器602具体用于:Preferably, the processor 602 is specifically configured to:
根据所述资源属性信息中的签名信息对应的公钥验证所述资源的发布机构是否正确;Verifying whether the issuing agency of the resource is correct according to the public key corresponding to the signature information in the resource attribute information;
对所述资源属性信息进行解析得到所述资源有效期、资源的商户类别码;Analyze the resource attribute information to obtain the validity period of the resource and the merchant category code of the resource;
确定所述资源有效期是否超期且所述商户类别码是否位于资源商户类别码列表中。It is determined whether the validity period of the resource is overdue and the merchant category code is in the resource merchant category code list.
优选地,所述服务器节点为区块链中的任一节点。Preferably, the server node is any node in the blockchain.
基于相同的原理,本发明另一实施例中,还提供了一种服务器节点,其具体实施可参见上述方法中部分服务器节点的具体实施,重复之处不再赘述,如图7所示,该定位服务器主要包括:收发信机701、处理器702和存储器703;Based on the same principle, in another embodiment of the present invention, a server node is also provided. For specific implementation, please refer to the specific implementation of some server nodes in the above method, and the repetition will not be repeated. As shown in FIG. 7, this The positioning server mainly includes: a transceiver 701, a processor 702 and a memory 703;
存储器703,存储一个或多个可执行程序,被用于配置处理器;The memory 703 stores one or more executable programs and is used to configure the processor;
收发信机701,用于接收结账终端发送的资源转移交易请求,所述资源转移交易请求包括资源属性信息;所述资源转移交易请求是所述结账终端在对所述资源属性信息校验通过后发送的;The transceiver 701 is configured to receive a resource transfer transaction request sent by a checkout terminal, where the resource transfer transaction request includes resource attribute information; the resource transfer transaction request is after the checkout terminal passes the verification of the resource attribute information Sent
处理器702,用于确定所述资源属性信息中资源参与条件是否符合营销活动要求;若是,则根据所述资源属性信息中的资源ID和资源金额完成资源转移,并对支付信息进行共识确认。The processor 702 is configured to determine whether the resource participation condition in the resource attribute information meets the requirements of the marketing activity; if so, complete the resource transfer according to the resource ID and the resource amount in the resource attribute information, and perform consensus confirmation on payment information.
优选地,处理器702具体用于:Preferably, the processor 702 is specifically configured to:
在接收到大于预设数量的有效共识确认时,确认对所述支付信息达成共识。When a valid consensus confirmation greater than a preset number is received, it is confirmed that a consensus is reached on the payment information.
优选地,处理器702还用于:Preferably, the processor 702 is further configured to:
对支付信息进行共识确认之后,将所述支付信息记录到节点账本中。After the payment information is confirmed by consensus, the payment information is recorded in the node ledger.
优选地,服务器节点为区块链中的任一节点。Preferably, the server node is any node in the blockchain.
基于相同的技术构思,本发明实施例还提供了一种计算机可读非易失性存储介质,包括计算机可读指令,当计算机读取并执行计算机可读指令时,使得计算机执行上述资源转移的方法。Based on the same technical concept, the embodiments of the present invention also provide a computer-readable non-volatile storage medium, including computer-readable instructions. When the computer reads and executes the computer-readable instructions, the computer executes the aforementioned resource transfer. method.
本发明是参照根据本发明实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器,使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的 装置。The present invention is described with reference to flowcharts and/or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and/or block in the flowchart and/or block diagram, and the combination of processes and/or blocks in the flowchart and/or block diagram can be realized by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing equipment to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing equipment are used to generate It is a device that realizes the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中,使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品,该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。These computer program instructions can also be stored in a computer-readable memory that can guide a computer or other programmable data processing equipment to work in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including the instruction device. The device implements the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上,使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理,从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。These computer program instructions can also be loaded on a computer or other programmable data processing equipment, so that a series of operation steps are executed on the computer or other programmable equipment to produce computer-implemented processing, so as to execute on the computer or other programmable equipment. The instructions provide steps for implementing the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.
尽管已描述了本发明的优选实施例,但本领域内的技术人员一旦得知了基本创造性概念,则可对这些实施例作出另外的变更和修改。所以,所附权利要求意欲解释为包括优选实施例以及落入本发明范围的所有变更和修改。Although the preferred embodiments of the present invention have been described, those skilled in the art can make additional changes and modifications to these embodiments once they learn the basic creative concept. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications falling within the scope of the present invention.
显然,本领域的技术人员可以对本发明进行各种改动和变型而不脱离本发明的精神和范围。这样,倘若本发明的这些修改和变型属于本发明权利要求及其等同技术的范围之内,则本发明也意图包含这些改动和变型在内。Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. In this way, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalent technologies, the present invention is also intended to include these modifications and variations.

Claims (21)

  1. 一种资源转移的方法,其特征在于,包括:A method for resource transfer, characterized in that it includes:
    结账终端获取消费终端的资源对应的二维码信息;所述资源对应的二维码信息包括资源属性信息;The checkout terminal obtains the two-dimensional code information corresponding to the resource of the consumer terminal; the two-dimensional code information corresponding to the resource includes resource attribute information;
    所述结账终端根据所述资源属性信息中的签名信息对应的公钥对所述资源属性信息进行校验;The checkout terminal verifies the resource attribute information according to the public key corresponding to the signature information in the resource attribute information;
    所述结账终端在确认校验通过后根据所述资源属性信息向服务器节点发送资源转移交易请求,所述资源转移交易请求包括所述资源属性信息,以使所述服务器节点对所述资源属性信息进行校验后完成资源转移。The checkout terminal sends a resource transfer transaction request to the server node according to the resource attribute information after confirming that the check is passed, and the resource transfer transaction request includes the resource attribute information, so that the server node can respond to the resource attribute information. The resource transfer is completed after verification.
  2. 如权利要求1所述的方法,其特征在于,所述结账终端根据所述资源属性信息中的签名信息对应的公钥对所述资源属性信息进行校验,包括:The method according to claim 1, wherein the checkout terminal verifies the resource attribute information according to the public key corresponding to the signature information in the resource attribute information, comprising:
    所述结账终端根据所述资源属性信息中的签名信息对应的公钥验证所述资源的发布机构是否正确;The checkout terminal verifies whether the issuing agency of the resource is correct according to the public key corresponding to the signature information in the resource attribute information;
    所述结账终端对所述资源属性信息进行解析得到所述资源有效期、资源的商户类别码;The checkout terminal analyzes the resource attribute information to obtain the validity period of the resource and the merchant category code of the resource;
    所述结账终端确定所述资源有效期是否超期且所述商户类别码是否位于资源商户类别码列表中。The checkout terminal determines whether the validity period of the resource has expired and the merchant category code is in the resource merchant category code list.
  3. 如权利要求1或2所述的方法,其特征在于,所述服务器节点为区块链中的任一节点。The method according to claim 1 or 2, wherein the server node is any node in the blockchain.
  4. 一种资源转移的方法,其特征在于,包括:A method for resource transfer, characterized in that it includes:
    服务器节点接收结账终端发送的资源转移交易请求,所述资源转移交易请求包括资源属性信息;所述资源转移交易请求是所述结账终端在对所述资源属性信息校验通过后发送的;The server node receives a resource transfer transaction request sent by the checkout terminal, where the resource transfer transaction request includes resource attribute information; the resource transfer transaction request is sent by the checkout terminal after the checkout terminal passes the verification of the resource attribute information;
    所述服务器节点确定所述资源属性信息中资源参与条件是否符合营销活动要求;The server node determines whether the resource participation condition in the resource attribute information meets the requirements of the marketing activity;
    若是,则所述服务器节点根据所述资源属性信息中的资源ID和资源金额 完成资源转移,并对支付信息进行共识确认。If so, the server node completes the resource transfer according to the resource ID and the resource amount in the resource attribute information, and confirms the payment information by consensus.
  5. 如权利要求4所述的方法,其特征在于,所述服务器节点对支付信息进行共识确认,包括:The method according to claim 4, wherein the server node confirms the payment information by consensus, comprising:
    所述服务器节点在接收到大于预设数量的有效共识确认时,确认对所述支付信息达成共识。The server node confirms that a consensus is reached on the payment information when it receives a valid consensus confirmation greater than a preset number.
  6. 如权利要求4所述的方法,其特征在于,所述服务器节点对支付信息进行共识确认之后,还包括:The method according to claim 4, wherein after the server node confirms the payment information by consensus, the method further comprises:
    所述服务器节点将所述支付信息记录到节点账本中。The server node records the payment information in the node ledger.
  7. 如权利要求4至6任一项所述的方法,其特征在于,所述服务器节点为区块链中的任一节点。The method according to any one of claims 4 to 6, wherein the server node is any node in the blockchain.
  8. 一种结账终端,其特征在于,包括:A checkout terminal, characterized in that it comprises:
    获取单元,用于获取消费终端的资源对应的二维码信息;所述资源对应的二维码信息包括资源属性信息;The obtaining unit is configured to obtain the QR code information corresponding to the resource of the consumer terminal; the QR code information corresponding to the resource includes resource attribute information;
    校验单元,用于根据所述资源属性信息中的签名信息对应的公钥对所述资源属性信息进行校验;A verification unit, configured to verify the resource attribute information according to the public key corresponding to the signature information in the resource attribute information;
    发送单元,用于在确认校验通过后根据所述资源属性信息向服务器节点发送资源转移交易请求,所述资源转移交易请求包括所述资源属性信息,以使所述服务器节点对所述资源属性信息进行校验后完成资源转移。The sending unit is configured to send a resource transfer transaction request to the server node according to the resource attribute information after the verification is passed, and the resource transfer transaction request includes the resource attribute information, so that the server node can check the resource attribute information. After the information is verified, the resource transfer is completed.
  9. 如权利要求8所述的结账终端,其特征在于,所述校验单元具体用于:8. The checkout terminal according to claim 8, wherein the verification unit is specifically configured to:
    根据所述资源属性信息中的签名信息对应的公钥验证所述资源的发布机构是否正确;Verifying whether the issuing agency of the resource is correct according to the public key corresponding to the signature information in the resource attribute information;
    对所述资源属性信息进行解析得到所述资源有效期、资源的商户类别码;Analyze the resource attribute information to obtain the validity period of the resource and the merchant category code of the resource;
    确定所述资源有效期是否超期且所述商户类别码是否位于资源商户类别码列表中。It is determined whether the validity period of the resource is overdue and the merchant category code is in the resource merchant category code list.
  10. 如权利要求8或9所述的结账终端,其特征在于,所述服务器节点为区块链中的任一节点。The checkout terminal according to claim 8 or 9, wherein the server node is any node in the blockchain.
  11. 一种服务器节点,其特征在于,包括:A server node, characterized in that it comprises:
    接收单元,用于接收结账终端发送的资源转移交易请求,所述资源转移交易请求包括资源属性信息;所述资源转移交易请求是所述结账终端在对所述资源属性信息校验通过后发送的;The receiving unit is configured to receive a resource transfer transaction request sent by the checkout terminal, where the resource transfer transaction request includes resource attribute information; the resource transfer transaction request is sent by the checkout terminal after the resource attribute information is verified ;
    处理单元,用于确定所述资源属性信息中资源参与条件是否符合营销活动要求;若是,则根据所述资源属性信息中的资源ID和资源金额完成资源转移,并对支付信息进行共识确认。The processing unit is used to determine whether the resource participation conditions in the resource attribute information meet the requirements of marketing activities; if so, complete the resource transfer according to the resource ID and the resource amount in the resource attribute information, and perform consensus confirmation on payment information.
  12. 如权利要求11所述的服务器节点,其特征在于,所述处理单元具体用于:The server node according to claim 11, wherein the processing unit is specifically configured to:
    在接收到大于预设数量的有效共识确认时,确认对所述支付信息达成共识。When a valid consensus confirmation greater than a preset number is received, it is confirmed that a consensus is reached on the payment information.
  13. 如权利要求11所述的服务器节点,其特征在于,所述处理单元还用于:The server node according to claim 11, wherein the processing unit is further configured to:
    所述对支付信息进行共识确认之后,将所述支付信息记录到节点账本中。After the consensus confirmation on the payment information, the payment information is recorded in the node ledger.
  14. 如权利要求11至13任一项所述的服务器节点,其特征在于,所述服务器节点为区块链中的任一节点。The server node according to any one of claims 11 to 13, wherein the server node is any node in the blockchain.
  15. 一种结账终端,其特征在于,包括:收发信机、处理器和存储器;A checkout terminal, which is characterized by comprising: a transceiver, a processor and a memory;
    所述存储器,存储一个或多个可执行程序,被用于配置所述处理器;The memory stores one or more executable programs, which are used to configure the processor;
    所述处理器,用于获取消费终端的资源对应的二维码信息;所述资源对应的二维码信息包括资源属性信息;根据所述资源属性信息中的签名信息对应的公钥对所述资源属性信息进行校验;The processor is configured to obtain the two-dimensional code information corresponding to the resource of the consumer terminal; the two-dimensional code information corresponding to the resource includes resource attribute information; according to the public key corresponding to the signature information in the resource attribute information, Check the resource attribute information;
    所述收发信机,用于在确认校验通过后根据所述资源属性信息向服务器节点发送资源转移交易请求,所述资源转移交易请求包括所述资源属性信息,以使所述服务器节点对所述资源属性信息进行校验后完成资源转移。The transceiver is configured to send a resource transfer transaction request to a server node according to the resource attribute information after the verification is passed, and the resource transfer transaction request includes the resource attribute information so that the server node can The resource transfer is completed after verification of the resource attribute information.
  16. 如权利要求15所述的结账终端,其特征在于,所述处理器具体用于:The checkout terminal according to claim 15, wherein the processor is specifically configured to:
    根据所述资源属性信息中的签名信息对应的公钥验证所述资源的发布机构是否正确;Verifying whether the issuing agency of the resource is correct according to the public key corresponding to the signature information in the resource attribute information;
    对所述资源属性信息进行解析得到所述资源有效期、资源的商户类别码;Analyze the resource attribute information to obtain the validity period of the resource and the merchant category code of the resource;
    确定所述资源有效期是否超期且所述商户类别码是否位于资源商户类别码列表中。It is determined whether the validity period of the resource is overdue and the merchant category code is in the resource merchant category code list.
  17. 如权利要求15或16所述的结账终端,其特征在于,所述服务器节点为区块链中的任一节点。The checkout terminal according to claim 15 or 16, wherein the server node is any node in the blockchain.
  18. 一种服务器节点,其特征在于,包括:收发信机、处理器和存储器;A server node, characterized by comprising: a transceiver, a processor, and a memory;
    所述存储器,存储一个或多个可执行程序,被用于配置所述处理器;The memory stores one or more executable programs, which are used to configure the processor;
    所述收发信机,用于接收结账终端发送的资源转移交易请求,所述资源转移交易请求包括资源属性信息;所述资源转移交易请求是所述结账终端在对所述资源属性信息校验通过后发送的;The transceiver is configured to receive a resource transfer transaction request sent by a checkout terminal, the resource transfer transaction request includes resource attribute information; the resource transfer transaction request is when the checkout terminal passes the check of the resource attribute information Sent later
    所述处理器,用于确定所述资源属性信息中资源参与条件是否符合营销活动要求;若是,则根据所述资源属性信息中的资源ID和资源金额完成资源转移,并对支付信息进行共识确认。The processor is configured to determine whether the resource participation condition in the resource attribute information meets the requirements of the marketing activity; if so, complete the resource transfer according to the resource ID and the resource amount in the resource attribute information, and perform consensus confirmation on payment information .
  19. 如权利要求18所述的服务器节点,其特征在于,所述处理器具体用于:The server node according to claim 18, wherein the processor is specifically configured to:
    在接收到大于预设数量的有效共识确认时,确认对所述支付信息达成共识。When a valid consensus confirmation greater than a preset number is received, it is confirmed that a consensus is reached on the payment information.
  20. 如权利要求18所述的服务器节点,其特征在于,所述处理器还用于:The server node according to claim 18, wherein the processor is further configured to:
    对支付信息进行共识确认之后,将所述支付信息记录到节点账本中。After the payment information is confirmed by consensus, the payment information is recorded in the node ledger.
  21. 如权利要求18至20任一项所述的服务器节点,其特征在于,所述服务器节点为区块链中的任一节点。The server node according to any one of claims 18 to 20, wherein the server node is any node in the blockchain.
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