WO2022122038A1 - 一种基于短距离通信支付的方法及装置 - Google Patents

一种基于短距离通信支付的方法及装置 Download PDF

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WO2022122038A1
WO2022122038A1 PCT/CN2021/137272 CN2021137272W WO2022122038A1 WO 2022122038 A1 WO2022122038 A1 WO 2022122038A1 CN 2021137272 W CN2021137272 W CN 2021137272W WO 2022122038 A1 WO2022122038 A1 WO 2022122038A1
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service
transaction
client
payment
blockchain
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PCT/CN2021/137272
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English (en)
French (fr)
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喻念
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深圳市一聪微付科技有限公司
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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
    • G06Q20/08—Payment architectures
    • 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
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
    • Y02D30/00—Reducing energy consumption in communication networks
    • Y02D30/70—Reducing energy consumption in communication networks in wireless communication networks

Definitions

  • the present invention relates to the technical field of payment, and more particularly, to a method and device for payment based on short-distance communication.
  • Blockchain is a term in the field of information technology. Essentially, it is a shared database. The data or information stored in it has the characteristics of “unforgeable”, “full traces”, “traceable”, “open and transparent” and “collective”. maintenance” and other features. Based on these characteristics, blockchain technology has laid a solid “trust” foundation, created a reliable “cooperation” mechanism, and has broad application prospects.
  • the blockchain system includes not only bitcoin btc and its forks, but also other blockchain systems that use distributed accounting technology.
  • Payment also known as payment, payment, and multi-finger payment
  • Payment is a financial exchange between buyers and sellers, and is the process of currency creditor's rights transfer caused by social and economic activities.
  • Payment includes transaction, clearing and settlement.
  • Online payment refers to the transfer of funds through the Internet as a carrier, using a certain digital financial tool supported by the bank, the financial exchange between buyers and sellers, and the realization of online transactions from buyers to financial institutions and merchants. Processes such as currency payment, cash flow, fund clearing, query statistics, etc., thus providing financial support for e-commerce services and other services.
  • the rise of mobile network payment has provided great convenience for payment.
  • the present invention provides a method and device for payment based on short-distance communication, which solves the technical problems of complicated steps, low efficiency, poor convenience and large value scale of payment methods in the prior art.
  • the present invention proposes a method for payment based on short-distance communication, including:
  • the service provider client publishes the service content, price and minimum cutting unit according to the preset blockchain service policy agreement;
  • the served client and the service providing client are connected through short-distance communication, and mutually access each other's information data;
  • the service content, price and minimum cutting unit according to the preset block chain screening strategy, sort the service providing clients from strong to weak according to the service quality, and sequentially select one of the service providing clients as the target service provide clients;
  • a strategy is formed to form a corresponding service transaction agreement strategy; when it is detected that the service transaction is completed according to the service transaction agreement strategy, the payment of the transaction billing is completed based on the blockchain system.
  • the method further includes:
  • the preset blockchain screening strategy combined with the signal strength, comprehensively sort the signal strength and service quality, and sequentially select one of the service providing clients as the update service providing client;
  • the communication connection of the serviced client is switched to the connection with the update service providing client.
  • the method further includes:
  • the serviced client and the target service providing client construct a service transaction, and prepay unspent transaction output to it based on the blockchain system;
  • the target service provider client receives the broadcast to the blockchain system to verify the validity of the unspent transaction output, and joins the transaction pool; after obtaining the legality of the unspent transaction output, it is the served client Provide services.
  • the method further includes:
  • the serviced clients are sorted from strong to weak according to the service quality, and one of the serviced clients is sequentially selected as the target serviced client;
  • the agreement formation strategy forms a corresponding service transaction agreement strategy; when it is detected that the service transaction is completed according to the service transaction agreement strategy, the payment of the transaction billing is completed based on the blockchain system.
  • the method further includes:
  • a renewal service prompt is generated based on the service transaction with a preset prompt strategy, and sent to the served client;
  • the service transaction is continued according to the confirmed service content until it is completed again.
  • the present invention also provides a device for payment based on short-distance communication, which is applied to a blockchain payment system, including: a payment setting module, a target service providing client selection module and a payment processing module; wherein,
  • the service providing client publishes the service content, price and minimum cutting unit according to the preset blockchain service policy agreement;
  • the target service providing client selection module is connected with the payment setting module, and the served client and the service providing client are connected through short-distance communication, and mutually access each other's information data; based on the served client According to the service requirements of the client, obtain the service content, price and minimum cutting unit corresponding to the service requirements corresponding to the service provision client, and according to the preset blockchain screening strategy, classify the service provision client according to the service quality. Sort from strong to weak, and sequentially select one of the service providing clients as the target service providing client;
  • the payment processing module is connected to the payment setting module and the target service providing client selection module, and constructs a service transaction based on the served client, the target service providing client and the blockchain transaction protocol strategy, and based on the The service demand, price and minimum cutting unit perform transaction charging, and form a corresponding service transaction agreement strategy with a preset agreement based on the service transaction; when it is detected that the service transaction is completed according to the service transaction agreement strategy, based on The blockchain system completes the payment of the transaction billing.
  • the device further includes: a mobile payment switching module, connected with the payment setting module, the target service providing client selection module and the payment processing module, providing the service on the client side, and/or being serviced When the client moves, detect the signal strength of the short-distance communication between the served client and the service providing client;
  • the preset blockchain screening strategy combined with the signal strength, comprehensively sort the signal strength and service quality, and sequentially select one of the service providing clients as the update service providing client;
  • the communication connection of the serviced client is switched to the connection with the update service providing client.
  • the device further includes: a blockchain transaction processing module, connected with the payment setting module and the target service providing client selection module,
  • the serviced client and the target service providing client construct a service transaction, and prepay unspent transaction output to it based on the blockchain system;
  • the target service provider client receives the broadcast to the blockchain system to verify the validity of the unspent transaction output, and joins the transaction pool; after obtaining the legality of the unspent transaction output, it is the served client Provide services.
  • the device further includes: a passive service transaction processing module, connected with the payment setting module and the target service providing client selection module,
  • the serviced clients are sorted from strong to weak according to the service quality, and one of the serviced clients is sequentially selected as the target serviced client;
  • the agreement formation strategy forms a corresponding service transaction agreement strategy; when it is detected that the service transaction is completed according to the service transaction agreement strategy, the payment of the transaction billing is completed based on the blockchain system.
  • the device further comprises: a renewal transaction processing module, connected with the payment processing module,
  • a renewal service prompt is generated based on the service transaction with a preset prompt strategy, and sent to the served client;
  • the service transaction is continued according to the confirmed service content until it is completed again.
  • the method and device for payment based on short-distance communication provide micro-payment and zero-confirmation features based on blockchain, so that service providers can share idle resources with Used by service providers; including but not limited to scenarios such as shared wifi, shared street lights, shared tap water, shared phones, shared vending machines, and public transportation.
  • Near-field short-distance communication near-field communication (NFC) is also one of them.
  • NFC is developed on the basis of non-contact radio frequency identification (RFID) technology and combined with wireless interconnection technology. It provides a very safe and fast communication method for various electronic products that are becoming more and more popular in our daily life.
  • RFID radio frequency identification
  • the "near field” in the Chinese name of NFC refers to radio waves that are close to the electromagnetic field.
  • radio waves are actually electromagnetic waves, they obey Maxwell's equations, where electric and magnetic fields alternate in energy conversions as they travel from the transmitting antenna to the receiving antenna, and reinforce each other as they transform, such as the radios used in our cell phones. Signals are propagated using this principle. This method is called far-field communication.
  • the short-distance communication uses routing direct communication or communication between terminals and base stations without jumping communication methods, including but not limited to wifi, bluetooth, Li-fi, NFC, RFID, infrared, network cable, base station, etc.
  • the served person can switch between multiple service providers to meet the service requirements in motion. For example: cross a street to use multiple shared wifi without disconnecting the network; cross a dark street, you can turn on and off the shared street light according to your position. Services can be cut in custom minimum cuttable units. For example: in shared wifi, only 1kb of data or 1s of data transmission time is used; in shared tap water, the amount of 1 cup of water or 1s of water is used; in shared car, the distance of 100m or the time of driving for 1 minute is used.
  • all services can be understood as being composed of the smallest cuttable unit, so the services here not only refer to micropayments, but also refer to Large payments made up of small payments. For example: purchasing goods and services with a large amount. It is a kind of point-to-point technology, which can complete the service without the help of a third party or a server. It belongs to the category of blockchain plus the Internet of Things, which provides a way to exchange value between objects.
  • the method and device for payment based on short-distance communication utilizes the application scenarios of micro-payment and zero-confirmation payment characteristics of blockchain in real life. Once the transaction is sent to the transaction pool, it can be judged as a transaction has taken effect.
  • the micro-payment and zero-confirmation fees of the blockchain are extremely low. In theory, the minimum value of the micro-payment is about 1 millimetre. It can be used to purchase a 100W electric lamp and light it for 10 seconds. It can completely pass the coverage of the street lamp. do it.
  • the method and device for payment based on short-distance communication according to the present invention do not require DNS resolution and related addressing process, and the payment is convenient and efficient. Order grabbing by the service provider.
  • the charging mode can be various, and does not distinguish the difference between prepaid and postpaid, and can also provide a charging mode that pays a deposit first, including active collection, active payment, etc.
  • the methods and methods of screening service providers can be varied, and can be preset based on the blockchain payment system, which can meet various needs.
  • FIG. 1 is a schematic flowchart of a method for payment based on short-distance communication according to an embodiment of the present invention
  • FIG. 2 is a schematic flowchart of another method for payment based on short-distance communication according to an embodiment of the present invention
  • FIG. 3 is a schematic flowchart of another method for payment based on short-distance communication according to an embodiment of the present invention.
  • FIG. 4 is a schematic flowchart of another method for payment based on short-distance communication described in an embodiment of the present invention.
  • FIG. 5 is a schematic flowchart of another method for payment based on short-distance communication according to an embodiment of the present invention.
  • FIG. 6 is a schematic diagram of the relationship between a served client, a service providing client, an SPV, and a short-range communication module in an embodiment of the present invention
  • FIG. 7 is a schematic flowchart of an active service request in a method for payment based on short-distance communication according to an embodiment of the present invention.
  • FIG. 8 is a schematic flowchart of a passive service in a method for payment based on short-distance communication according to an embodiment of the present invention
  • FIG. 9 is a schematic flowchart of a post-payment mode in a method for payment based on short-distance communication according to an embodiment of the present invention.
  • FIG. 10 is a schematic flowchart of a deposit mode in a method for payment based on short-distance communication according to an embodiment of the present invention
  • FIG. 11 is a schematic flowchart of an active collection mode in a method for payment based on short-distance communication according to an embodiment of the present invention
  • FIG. 12 is a schematic structural diagram of a system for payment based on short-distance communication according to an embodiment of the present invention.
  • FIG. 13 is a schematic structural diagram of another system based on short-distance communication payment described in the embodiment of the present invention.
  • FIG. 14 is a schematic structural diagram of another system for payment based on short-distance communication described in the embodiment of the present invention.
  • 15 is a schematic structural diagram of another system for payment based on short-distance communication described in the embodiment of the present invention.
  • FIG. 16 is a schematic structural diagram of another system for payment based on short-distance communication according to the embodiment of the present invention.
  • Blockchain originated from Bitcoin and is an electronic cash system based on P2P network technology, encryption technology, timestamp technology, blockchain technology, etc. From a technological point of view, blockchain involves many scientific and technological issues such as mathematics, cryptography, Internet and computer programming. From the application point of view, in simple terms, blockchain is a distributed shared ledger and database, which has the characteristics of disintermediation, non-tampering, full trace, traceability, collective maintenance, openness and transparency.
  • the rich application scenarios of the blockchain are basically based on the fact that the blockchain can solve the problem of information asymmetry and realize the cooperative trust and concerted action among multiple subjects.
  • Blockchain is a new application mode of computer technology such as distributed data storage, point-to-point transmission, consensus mechanism, and encryption algorithm.
  • Blockchain (Blockchain) is an important concept of Bitcoin. It is essentially a decentralized database. At the same time, as the underlying technology of Bitcoin, it is a series of data blocks generated using cryptographic methods. The data block contains the information of a batch of Bitcoin network transactions, which is used to verify the validity of its information (anti-counterfeiting) and generate the next block.
  • the blockchain system consists of data layer, network layer, consensus layer, incentive layer, contract layer and application layer.
  • Public block chain means that any individual or group in the world can send a transaction, and the transaction can be effectively confirmed by the block chain, and anyone can participate in its consensus process.
  • the public blockchain is the earliest blockchain and the most widely used blockchain.
  • the virtual digital currencies of the major bitcoins series are all based on the public blockchain. There is only one blockchain corresponding to this currency in the world. .
  • Private Block Chains Only use the general ledger technology of the block chain for bookkeeping, which can be a company or an individual, and has exclusive access to the block chain. This chain and other distributed The storage scheme is not much different. Traditional finance wants to experiment with private blockchains, while the applications of public blockchains such as bitcoin have been industrialized, and the application products of private blockchains are still being explored.
  • UTXO Unspent TransactionOutputs
  • UTXO Unspent TransactionOutputs
  • the UTXO here does not only refer to the unspent transaction output in the btc network, but also refers to the transaction structure constructed by the same principle.
  • SPV Everyone's Ledger: A light node in the blockchain system, which has the minimum processing capacity for transaction sending and receiving.
  • the SPV wallet includes the following basic functions: 1. UTXO collection, which can be understood as stored prepaid "money”. 2. Private key, public key, address, basic information of the blockchain account 3. Merkle path, which saves the Merkle tree constructed by all UTXOs and their related hashes.
  • Full node A node that can handle all account retrieval, verification, mining, and has a transaction pool.
  • the blockchain system it can be understood as a device or organization with full functions.
  • Zero-confirmation payment In the past, the blockchain payment system needed to wait for the block to be printed and confirmed before verifying whether the payment was valid. In zero-confirmation payment, the transaction is placed in the transaction pool to determine that the transaction has taken effect, which is very convenient for small and micro businesses pay.
  • the minimum value scale that can be supported can be 1 millirenminbi or even smaller. For some such as data exchange and resource exchange, it can be exchanged in the smallest cuttable unit.
  • Near-field short-distance communication includes all communication methods that do not require routing, addressing, and hopping, and can be regarded as short-distance communication.
  • FIG. 1 a schematic flowchart of a method for payment based on short-distance communication in this embodiment, the method includes the following steps:
  • Step 101 In the blockchain system, the service providing client publishes the service content, price and minimum cutting unit according to the preset blockchain service policy agreement.
  • the blockchain service policy agreement is a pre-set exchange service policy based on the value exchange activity, in which the exchange service content and the exchange method of the activity content are set according to the attribute nature of the value exchange activity, the venue, and the characteristics of both parties.
  • the direct exchange link function of the exchange parties can be realized.
  • micro-payments with a minimum value scale of 1 satoshi (or 1 centimeter) or even smaller value exchanges can be provided, which realizes micro-unit payments in the true sense and improves the The fairness and reasonableness of the exchange or transaction.
  • the big difference from traditional payment is: 1. Exchange activities with a sufficiently small value scale can be realized; 2.
  • the blockchain-based system does not require the intermediary services of intermediaries, which can realize disintermediation in the exchange process and save the cost of using intermediaries 3.
  • Real-time settlement the existing traditional payment and transfer are not real-time settlement, they all need confirmation before settlement. For example, after Alipay receives the money, it needs to be cleared before it can be transferred to the user's bank card, which is time-consuming to use.
  • One-click setting for users. Record when there is no recommended price and minimum cutting unit for the item, and then set the initial recommended price and minimum cutting unit based on the implementation content of the activity after the exchange activity is completed.
  • a training model can also be set up to establish the relationship between the attribute classification features of each thing, the recommended price and the minimum cutting unit, and extract data from the actual exchange activity data and use the training model to train to obtain the recommended price and minimum cutting unit.
  • Step 102 the serviced client and the service providing client are connected through short-distance communication, and mutually access each other's information data; based on the service requirements of the serviced client, obtain the service content, price, and service requirements of the corresponding service providing client.
  • the smallest cutting unit sorts the service providing clients according to the service quality from strong to weak, and sequentially selects a service providing client as the target service providing client.
  • Step 103 Construct a service transaction based on the served client, the target service providing client and the blockchain transaction protocol strategy, perform transaction billing based on service demand, price and minimum cutting unit, and form a strategy based on a preset protocol based on the service transaction.
  • Corresponding service transaction agreement strategy when it is detected that the service transaction is completed according to the service transaction agreement strategy, the payment for transaction billing is completed based on the blockchain system.
  • a schematic flowchart of the second method for payment based on short-distance communication in this embodiment, which is different from FIG. 1, further includes:
  • Step 201 When the service providing client and/or the serving client move, the signal strength of the short-distance communication between the serving client and the service providing client is detected.
  • Step 202 according to the preset blockchain screening strategy, combined with signal strength, comprehensively sort the signal strength and service quality, and sequentially select a service providing client as the update service providing client.
  • Step 203 Switch the communication connection of the serviced client to the connection with the update service providing client.
  • the preset blockchain screening strategy combined with the service quality parameters, a comprehensive ranking of service quality is performed, and a service provider client is selected in sequence as the update service provider client. For example, in a shared wifi, under the same wifi conditions, the wifi configuration with fewer connected terminals can be configured with a higher priority, and the criteria for determining the service quality include but not limited to the signal strength of the connection between the two parties.
  • a schematic flowchart of the third method for payment based on short-distance communication in this embodiment which is different from that in FIG. 1, further includes:
  • Step 301 The serviced client and the target service providing client construct a service transaction, and prepay unspent transaction output to it based on the blockchain system.
  • Step 302 The target service providing client receives the broadcast to the blockchain system to verify the validity of the unspent transaction output, and joins the transaction pool; after obtaining the legality of the unspent transaction output, it provides services to the served client.
  • a schematic flowchart of the fourth method for payment based on short-distance communication in this embodiment which is different from that in FIG. 1, further includes:
  • Step 401 Based on the service providing information of the service providing client, obtain the required service content, price and minimum cutting unit corresponding to the serving client corresponding to the providing service information, and according to the preset blockchain screening strategy, the serving client will be Sort the service quality from strong to weak, and sequentially select a serviced client as the target serviced client.
  • Step 402 Construct a service transaction based on the target serviced client, the service providing client and the blockchain transaction protocol strategy, perform transaction billing based on the provision of service information, price and minimum cutting unit, and form a strategy with a preset protocol based on the service transaction The corresponding service transaction agreement strategy is formed; when the completion of the service transaction is detected according to the service transaction agreement strategy, the payment for the transaction billing is completed based on the blockchain system.
  • a schematic flowchart of the fifth method for payment based on short-distance communication in this embodiment which is different from that in FIG. 1, further includes:
  • Step 501 when it is detected that the service transaction is completed, generate a renewal service prompt based on the service transaction with a preset prompt strategy, and send it to the serviced client.
  • Step 502 when the renewal service is confirmed by the service client, continue the service transaction according to the confirmed service content until it is completed again.
  • a schematic structural diagram of a device 600 for short-distance communication-based payment in this embodiment can be used to implement the above-mentioned short-distance communication-based payment method.
  • the device for communication payment is applied in the blockchain payment system, and includes: a payment setting module 601 , a target service providing client selection module 602 and a payment processing module 603 .
  • the payment setting module 601 the service provider client publishes the service content, price and minimum cutting unit according to the preset blockchain service policy agreement.
  • the target service providing client selection module 602 is connected with the payment setting module 601, and the service client and the service providing client are connected through short-distance communication, and mutually access each other's information data; based on the service requirements of the service client, obtain corresponding The service content, price and minimum cutting unit of the service provider corresponding to the service demand, according to the preset blockchain screening strategy, sort the service provider according to the service quality from strong to weak, and select a service provider in sequence Provide the client as the target service.
  • the payment processing module 603 is connected with the payment setting module and the target service providing client selection module, and constructs service transactions based on the served client, the target service providing client and the blockchain transaction protocol strategy, and based on service requirements, prices and minimum cuts
  • the unit performs transaction billing, and forms a corresponding service transaction agreement strategy with a preset agreement based on the service transaction; when it is detected that the service transaction is completed according to the service transaction agreement strategy, the payment for the transaction billing is completed based on the blockchain system.
  • Bip270 proposes a technical solution for using short-distance communication (NFC) for payment, which mainly includes: value transfer between two terminals by means of short-distance communication, and broadcast transaction by the payee.
  • NFC short-distance communication
  • the scheme based on short-distance communication payment in this embodiment declares all methods of no-jump, no-routing payment, taking wifi as an example: NFC is immovable, while wifi is movable; NFC cannot be switched between multiple terminals , and wifi can charge for switching; no-jump communication includes not only short-distance communication, but also communication means such as satellite phones and terminals, long-link optical fibers, and short-distance wifi.
  • the scheme of this embodiment sets up modes such as price, inquiry, renewal, switching, deposit, prepayment, postpayment, etc.
  • the payment basis is micropayment based on blockchain.
  • a schematic structural diagram of the second short-distance communication-based payment device 700 in this embodiment is different from that in FIG. 6 , and further includes: a mobile payment switching module 701 , which is connected with the payment setting module 601 , the target service providing client selection module 602 and the payment processing module 603 . It is used for: detecting the signal strength of the short-distance communication between the service providing client and the service providing client when the service providing client and/or the serving client move.
  • the communication connection of the serviced client is switched to the connection with the update service providing client.
  • a schematic structural diagram of the third device 800 based on short-distance communication payment in this embodiment, which is different from that in FIG. 6, further includes: blockchain transaction processing
  • the module 801 is connected with the payment setting module 601 and the target service providing client selection module 602, and the service client constructs a service transaction with the target service providing client, and prepays the unspent transaction output to it based on the blockchain system.
  • the target service provider client receives the broadcast to the blockchain system to verify the legitimacy of the unspent transaction output, and joins the transaction pool; after obtaining the legality of the unspent transaction output, it provides services for the served client.
  • FIG. 9 it is a schematic structural diagram of the fourth device 900 based on short-distance communication payment in this embodiment.
  • it further includes: a passive service transaction processing module 901, connected with the payment setting module 601 and the target service providing client selection module 602, and based on the providing service information of the service providing client, obtain the required service content, price and minimum cutting unit corresponding to the provided service information corresponding to the served client , according to the preset blockchain screening strategy, the serviced clients are sorted from strong to weak according to the service quality, and a serviced client is selected in sequence as the target serviced client.
  • a passive service transaction processing module 901 connected with the payment setting module 601 and the target service providing client selection module 602, and based on the providing service information of the service providing client, obtain the required service content, price and minimum cutting unit corresponding to the provided service information corresponding to the served client , according to the preset blockchain screening strategy, the serviced clients are sorted from strong to weak according to the service quality, and a serviced client is selected in sequence as the target
  • the service transaction is constructed based on the target service client, the service providing client and the blockchain transaction protocol strategy, the transaction billing is performed based on the service information, price and the minimum cutting unit, and the corresponding policy is formed based on the service transaction with the preset protocol.
  • Service transaction agreement strategy when it is detected that the service transaction is completed according to the service transaction agreement strategy, the payment for transaction billing is completed based on the blockchain system.
  • FIG. 10 is a schematic structural diagram of a fifth apparatus 1000 for short-distance communication-based payment in this embodiment, which is different from FIG. 6 in that it further includes: a renewal transaction
  • the processing module 1001 is connected to the payment processing module 603, and when it is detected that the service transaction is completed, it generates a renewal service prompt based on the service transaction with a preset prompt strategy, and sends it to the serviced client.
  • the service transaction is continued according to the confirmed service content until it is completed again.
  • FIG. 11 is a schematic flowchart of an active collection mode in the method for payment based on short-distance communication according to this embodiment
  • FIG. 12 is a schematic structural diagram of a system for payment based on short-distance communication described in this embodiment
  • FIG. 14 is a schematic structural diagram of another system based on short-distance communication payment described in this embodiment
  • FIG. 15 is this embodiment
  • Figure 16 is a schematic structural diagram of another system for payment based on short-distance communication described in this embodiment.

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Abstract

本申请公开一种基于短距离通信支付的方法及装置，该方法包括：在区块链系统中，被服务客户端与服务提供客户端通过短距离通信连接，并相互访问对方的信息数据；基于被服务客户端的服务需求，根据预设的区块链筛选策略，选择服务最优质的服务提供客户端作为目标服务提供客户端构建服务交易，基于服务需求、价格及最小切割单元进行交易计费，并基于服务交易以预设协议形成策略形成对应的服务交易协议策略；根据服务交易协议策略检测到服务交易完成时，基于区块链系统完成交易计费的支付。本发明能够实现快捷高效、安全公平、方便且价值尺度小的近场支付，提升了用户使用体验。

Description

一种基于短距离通信支付的方法及装置 技术领域
本发明涉及支付的技术领域，更具体地，涉及一种基于短距离通信支付的方法及装置。
背景技术
区块链是一个信息技术领域的术语，从本质上讲，它是一个共享数据库，存储于其中的数据或信息，具有“不可伪造”“全程留痕”“可以追溯”“公开透明”“集体维护”等特征。基于这些特征，区块链技术奠定了坚实的“信任”基础，创造了可靠的“合作”机制，具有广阔的运用前景。而区块链系统，不仅包含比特币btc及其分叉币，也包括其他使用分布式记账技术的区块链系统。
支付又称付出、付给，多指付款，是发生在购买者和销售者之间的金融交换，是社会经济活动所引起的货币债权转移的过程，支付包括交易、清算和结算。网上支付指通过互联网作为载体进行资金的转移，利用银行所支持的某种数字金融工具，发生在购买者和销售者之间的金融交换，而实现从买者到金融机构、商家之间的在线货币支付、现金流转、资金清算、查询统计等过程，由此为电子商务服务和其它服务提供金融支持。尤其近些年移动网络支付的兴起，为支付提供了极大的便利。
但是，现有技术的支付方式步骤繁琐。付款人需要向银行申请个人认证，并下载安装证书，如果希望在多台电脑终端使用，还需要对证书的导入导出使用方法加以了解，这些烦琐的步骤环节足以令消费者在交易前神经崩溃，不符合微支付需要的便捷特点。买方利益缺乏保障。银行不提供中介认证服务，买方无法确定卖方是否在收款后履行交易，交易后纠纷也难以处理。小额交易不便。异地同行转帐最低1元手续费，对几元钱的微支付来说很不方便。此外，很多银行缺乏异地跨国、跨行支持业务，或者需要多个工作日才能到帐且手续费高昂，导致交易不便。
因此，如何提供一种快捷高效、安全公平、方便且价值尺度小的支付方案是本领域亟待解决的技术问题。
发明内容
有鉴于此，本发明提供了一种基于短距离通信支付的方法及装置，解决了现有技术中支付方式步骤繁杂、效率低、方便差且价值尺度大的技术问题。
为了解决上述技术问题，本发明提出一种基于短距离通信支付的方法，包括：
在区块链系统中，服务提供客户端根据预设区块链服务策略协议发布服务内容、价格及最小切割单元；
被服务客户端与所述服务提供客户端通过短距离通信连接，并相互访问对方的信息数据；基于所述被服务客户端的服务需求，获取对应所述服务提供客户端的对应于所述服务需求的所述服务内容、价格及最小切割单元，根据预设的区块链筛选策略，将所述服务提供客户端按照服务优质从强到弱排序，并顺序选择一个所述服务提供客户端作为目标服务提供客户端；
基于所述被服务客户端、目标服务提供客户端及区块链交易协议策略构建服务交易，基于所述服务需求、价格及最小切割单元进行交易计费，并基于所述服务交易以预设协议形成策略形成对应的服务交易协议策略；根据所述服务交易协议策略检测到所述服务交易完成时，基于所述区块链系统完成所述交易计费的支付。
可选地，其中，该方法还包括：
在所述服务提供客户端，和/或被服务客户端移动时，检测所述被服务客户端与服务提供客户端之间的短距离通信的信号强弱；
根据预设的所述区块链筛选策略，结合所述信号强弱，进行信号强度和服务优质综合排序，从中顺序选择一个所述服务提供客户端作为更新服务提供客户端；
将所述被服务客户端的通信连接切换至与所述更新服务提供客户端连接。
可选地，其中，该方法还包括：
所述被服务客户端与所述目标服务提供客户端构建服务交易，并基于所述区块链系统向其预付未花费的交易输出；
所述目标服务提供客户端接广播到所述区块链系统验证所述未花费的交易输出的合法性，并加入交易池；得到所述未花费的交易输出合法后为所述被服务客户端提供服务。
可选地，其中，该方法还包括：
基于所述服务提供客户端的提供服务信息，获取对应所述被服务客户端的对应于所述提供服务信息的所需服务内容、价格及最小切割单元，根据预设的区块链筛选策略，将所述被服务客户端按照服务优质从强到弱排序，并顺序选择一个所述被服务客户端作为目标被服务客户端；
基于所述目标被服务客户端、服务提供客户端及区块链交易协议策略构建服务交易，基于所述提供服务信息、价格及最小切割单元进行交易计费，并基于所述服务交易以预设协议形成策略形成对应的服务交易协议策略；根据所述服务交易协议策略检测到所述服务交易完成时，基于所述区块链系统完成所述交易计费的支付。
可选地，其中，该方法还包括：
检测到所述服务交易完成时，基于所述服务交易以预设提示策略生成续费服务提示，发送至所述被服务客户端；
在所述被服务客户端确认所述续费服务时，根据确认的服务内容继续所述服务交易直至再次完成。
另一方面，本发明还提供一种基于短距离通信支付的装置，应用于区块链支付系统中，包括：支付设置模块、目标服务提供客户端选取模块及支付处理模块；其中，
所述支付设置模块，服务提供客户端根据预设区块链服务策略协议发布服务内容、价格及最小切割单元；
所述目标服务提供客户端选取模块，与所述支付设置模块相连接，被服务客户端与所述服务提供客户端通过短距离通信连接，并相互访问对方的信息数据；基于所述被服务客户端的服务需求，获取对应所述服务提供客户端的对应于所述服务需求的所述服务内容、价格及最小切割单元，根据预设的区块链筛选策略，将所述服务提供客户端按照服务优质从强到弱排序，并顺序选择一个所述服务提供客户端作为目标服务提供客户端；
所述支付处理模块，与所述支付设置模块及目标服务提供客户端选取模块相连接，基于所述被服务客户端、目标服务提供客户端及区块链交易协议策略构建服务交易，基于所述服务需求、价格及最小切割单元进行交易计费，并基于所述服务交易以预设协议形成策略形成对应的服务交易协议策略；根据所述服务交易协议策略检测到所述服务交易完成时，基于所述区块链系统完成所述交易计费的支付。
可选地，其中，该装置还包括：移动支付切换模块，与所述支付设置模块、目标服务提供客户端选取模块及支付处理模块相连接，在所述服务提供客户端，和/或被服务客户端移动时，检测所述被服务客户端与服务提供客户端之间的短距离通信的信号强弱；
根据预设的所述区块链筛选策略，结合所述信号强弱，进行信号强度和服务优质综合排序，从中顺序选择一个所述服务提供客户端作为更新服务提供客户端；
将所述被服务客户端的通信连接切换至与所述更新服务提供客户端连接。
可选地，其中，该装置还包括：区块链交易处理模块，与所述支付设置模块及目标服务提供客户端选取模块相连接，
所述被服务客户端与所述目标服务提供客户端构建服务交易，并基于所述区块链系统向其预付未花费的交易输出；
所述目标服务提供客户端接广播到所述区块链系统验证所述未花费的交易输出的合法性，并加入交易池；得到所述未花费的交易输出合法后为所述被服务客户端提供服务。
可选地，其中，该装置还包括：被动服务交易处理模块，与所述支付设置模块及目标服务提供客户端选取模块相连接，
基于所述服务提供客户端的提供服务信息，获取对应所述被服务客户端的对应于所述提供服务信息的所需服务内容、价格及最小切割单元，根据预设的区块链筛选策略，将所述被服务客户端按照服务优质从强到弱排序，并顺序选择一个所述被服务客户端作为目标被服务客户端；
基于所述目标被服务客户端、服务提供客户端及区块链交易协议策略构建服务交易，基于所述提供服务信息、价格及最小切割单元进行交易计费，并基于所述服务交易以预设协议形成策略形成对应的服务交易协议策略；根据所述服务交易协议策略检测到所述服务交易完成时，基于所述区块链系统完成所述交易计费的支付。
可选地，其中，该装置还包括：续费交易处理模块，与所述支付处理模块相连接，
检测到所述服务交易完成时，基于所述服务交易以预设提示策略生成续费服务提示，发送至所述被服务客户端；
在所述被服务客户端确认所述续费服务时，根据确认的服务内容继续所述服务交易直至再次完成。
与现有技术相比，本发明提供的基于短距离通信支付的方法及装置，
至少实现如下有益效果之一：
(1)本发明所述的基于短距离通信支付的方法及装置，提供基于区块链的微支付及零确认特性，使得服务者可以在不泄露密码等隐私的情况下将闲置的资源共享给被服务者使用；包括但不仅限于共享wifi、共享路灯、共享自来水、共享电话、共享贩售机、公共交通工具等场景，其近场短距离通信，近场通信(NFC)也是其中一种，NFC是在非接触式射频识别(RFID)技术的基础上，结合无线互连技术研发而成，它为我们日常生活中越来越普及的各种电子产品提供了一种十分安全快捷的通信方式。NFC中文名称中的“近场”是指临近电磁场的无线电波。因为无线电波实际上就是电磁波，所以它遵循麦克斯韦方程，电场和磁场在从发射天线传播到接收天线的过程会一直交替进行能量转换，并在进行转换时相互增强，例如我们的手机所使用的无线电信号就是利用这种原理进行传播的，这种方法称作远场通信，这里的短距离通信，利用路由直接通信或终端与基站通信等无需跳转的通信方式，包括但不仅限于wifi、蓝牙、Li-fi、NFC、RFID、红外线、网线、基站等。
(2)本发明所述的基于短距离通信支付的方法及装置，被服务者可在多服务者之间切换以满足移动中的服务需求。例如：穿过一条街道使用多个共享wifi而不至于断网；穿越黑暗的街道可以做到共享路灯随自己位置开关。服务可以以自定义的最小可切割单元进行切割。例如：共享wifi中，仅使用1kb的数据量或1s的数据传输时间；共享自来水中，使用1杯水的量或1s的出水量；共享汽车中，行驶100m的距离或驾驶1分钟的时间。
(3)本发明所述的基于短距离通信支付的方法及装置，所有的服务(包括产品)都可以理解为由最小可切割单元组成，所以这里的服务不单指小额支付，也可指代由小额支付组成的大额支付。例如：购买金额较大的商品及服务。属于点对点技术的一种，可以不需要借助于第三方或服务器就可以完成服务。属于区块链加物联网范畴，提供了一种物体与物体的价值交换的方式。
(4)本发明所述的基于短距离通信支付的方法及装置，利用了区块链的微支付和零确认支付特性在现实生活中的应用场景，交易一旦发送到交易池即可判断为交易已经生效。区块链的微支付和零确认手续费极低，理论上微支付最小价值尺度为1毫左右，可以用于购买100W电灯点亮10秒钟，完全能够通过该路灯的覆盖范围，传统支付无法做到。
(5)本发明所述的基于短距离通信支付的方法及装置，不需要DNS解析及相关寻址的过程，支付方便高效，既可以是服务提供方主动定价，也可以是被服务方定价并由服务提供方进行抢单。收费模式可以是多种多样，并不区分预付费与后付费的区别，也可提供一种先交定金的收费模式，包括了主动收款、主动付款等。筛选服务方的方式和方法可以多种多样，基于区块链支付系统即可预先设置，可以满足各种各样的需求。
附图说明
被结合在说明书中并构成说明书的一部分的附图示出了本发明的实施例，并且连同其说明一起用于解释本发明的原理。通过阅读参照以下附图所作的对非限制性实施例所作的详细描述，本申请的其它特征、目的和优点将会变得更明显：
图1为本发明实施例中所述的一种基于短距离通信支付的方法的流程示意图；
图2为本发明实施例中所述的另一种基于短距离通信支付的方法的流程示意图；
图3为本发明实施例中所述的又一种基于短距离通信支付的方法的流程示意图；
图4为本发明实施例中所述的又一种基于短距离通信支付的方法的流程示意图；
图5为本发明实施例中所述的又一种基于短距离通信支付的方法的流程示意图；
图6为本发明实施例中一种被服务客户端、服务提供客户端、SPV、短距通信模块的关系的示意图；
图7为本发明实施例基于短距离通信支付的方法中一种主动请求服务的流程示意图；
图8为本发明实施例基于短距离通信支付的方法中一种被动服务的流程示意图；
图9为本发明实施例基于短距离通信支付的方法中一种后付费模式的流程示意图；
图10为本发明实施例基于短距离通信支付的方法中一种押金模式的流程示意图；
图11为本发明实施例基于短距离通信支付的方法中一种主动收款模式的流程示意图；
图12为本发明实施例中所述的一种基于短距离通信支付的系统的结构示意图；
图13为本发明实施例中所述的另一种基于短距离通信支付的系统的结构示意图；
图14为本发明实施例中所述的又一种基于短距离通信支付的系统的结构示意图；
图15为本发明实施例中所述的又一种基于短距离通信支付的系统的结构示意图；
图16为本发明实施例中所述的又一种基于短距离通信支付的系统的结构示意图。
具体实施方式
下面结合附图和实施例对本申请作进一步的详细说明。可以理解的是，此处所描述的具体实施例仅仅用于解释相关申请，而非对该申请的限定。另外还需要说明的是，为了便于描述，附图中仅示出了与本申请相关的部分。
需要说明的是，在不冲突的情况下，本申请中的实施例及实施例中的特征可以相互组合。下面将参考附图并结合实施例来详细说明本申请。区块链起源于比特币，为一种基于P2P网络技术、加密技术、时间戳技术、区块链技术等的电子现金系统。从科技层面来看，区块链涉及数学、密码学、互联网和计算机编程等很多科学技术问题。从应用视角来看，简单来说，区块链是一个分布式的共享账本和数据库，具有去中介化、不可篡改、全程留痕、可以追溯、集体维护、公开透明等特点。这些特点保证了区块链的“诚实”与“透明”，为区块链创造信任奠定基础。而区块链丰富的应用场景，基本上都基于区块链能够解决信息不对称问题，实现多个主体之间的协作信任与一致行动。
区块链是分布式数据存储、点对点传输、共识机制、加密算法等计算机技术的新型应用模式。区块链(Blockchain)，是比特币的一个重要概念，它本质上是一个去中心化的数据库，同时作为比特币的底层技术，是一串使用密码学方法相关联产生的数据块，每一个数据块中包含了一批次比特币网络交易的信息，用于验证其信息的有效性(防伪)和生成下一个区块。一般说来，区块链系统由数据层、网络层、共识层、激励层、合约层和应用层组成。
公有区块链(Public Block Chains)是指：世界上任何个体或者团体都可以发送交易，且交易能够获得该区块链的有效确认，任何人都可以参与其共识过程。公有区块链是最早的区块链，也是应用最广泛的区块链，各大bitcoins系列的虚拟数字货币均基于公有区块链，世界上有且仅有一条该币种对应的区块链。
行业区块链(Consortium Block Chains)：由某个群体内部指定多个预选的节点为记账人，每个块的生成由所有的预选节点共同决定(预选节点参与共识过程)，其他接入节点可以参与交易，但不过问记账过程(本质上还是托管记账，只是变成分布式记账，预选节点的多少，如何决定每个块的记账者成为该区块链的主要风险点)，其他任何人可以通过该区块链开放的API进行限定查询。
私有区块链(Private Block Chains)：仅仅使用区块链的总账技术进行记账，可以是一个公司，也可以是个人，独享该区块链的写入权限，本链与其他的分布式存储方案没有太大区别。传统金融都是想实验尝试私有区块链，而公链的应用例如bitcoin已经工业化，私链的应用产品还在摸索当中。
在本实施例的区块链系统中，UTXO：UTXO(Unspent TransactionOutputs)是未花费的交易输出，它是比特币交易生成及验证的一个核心概念。交易构成了一组链式结构，所有合法的比特币交易都可以追溯到前向一个或多个交易的输出，这些链条的源头都是挖矿奖励，末尾则是当前未花费的交易输出。简单的可以理解为数字钱包中的“钱”，此处的UTXO并不仅仅指代btc网络中的未花费的交易输出，也可指代采用相同原理构建的交易结构。
SPV(所有人的账本)：区块链系统中的轻节点，其具有交易收发的最小处理能力，SPV钱包包括以下基本功能：1、UTXO集合，可以理解为存储的预付的"钱"。2、私钥、公钥、地址，区块链账户所具备的基础信息3、Merkle路径，保存所有UTXO及其相关的哈希构建的Merkle树。
全节点：可以处理全部账户检索、验证、挖矿、并具有交易池的节点，在区块链系统中，可以理解为具有全部功能的设备或组织。
零确认支付：以往区块链支付体系需要等待区块打出并确认后，才能验证付款是否有效，零确认支付中，交易放入交易池，就可以确定交易已经生效，很方便的用于小微支付。
微支付：在区块链的系统中，可支持的最小价值尺度可以为1毫人民币甚至更小，对于一些例如数据交换、资源交换来说，可以做到以最小的可切割单元进行交换。
近场短距离通信包括了所有不需要路由、寻址、跳转的通信方式，均可视为短距离通信。
如图1所示，为本实施例中一种基于短距离通信支付的方法的流程示意图，该方法包括如下步骤：
步骤101、在区块链系统中，服务提供客户端根据预设区块链服务策略协议发布服务内容、价格及最小切割单元。
区块链服务策略协议，是基于价值交换的活动预先设置的交换服务策略，其中根据价值交换活动的属性性质、场地、双方特性等设定了交换的服务内容及活动内容的交换方式等。通过区块链服务策略协议可以现实交换双方直接的交换链接作用。通过区块链系统的区块链服务策略协议交换形式，可以提供最小价值尺度为1聪(或1厘人民币)甚至更小价值交换的微支付，实现了真正意义上的微小单元支付，提升了交换或交易的公平性和合理性。与传统支付比较大的差别是：1、可以实现价值尺度足够小的交换活动；2、基于区块链系统不需要中间商的中介服务，可以实现交换过程中去中介化，节省使用中介的成本；3、实时清算，现有的传统支付，转账并不是实时清算的，都是需要确认才能清算。比如，支付宝收 到款，需要清算之后，才能转账出去到账用户的银行卡，使用起来时效性差，而本发明基于区块链技术可以实现双方交换或交易的实时到账。
在一些可选的实施例中，还可以根据交换服务的事物的属性分类特征设置对其推荐的价格及最小切割单元，在服务活动启动时，根据该推荐的价格及最小切割单元进行推送，可供使用者一键设置。在该事物无推荐的价格及最小切割单元时进行记录，完成交换活动后再以该活动的实施内容设置初始的推荐的价格及最小切割单元。优选地，还可以设置建立各个事物的属性分类特征与推荐的价格及最小切割单元的关系训练模型，从实际的交换活动数据中提取数据利用训练模型进行训练得到推荐的价格及最小切割单元。
步骤102、被服务客户端与服务提供客户端通过短距离通信连接，并相互访问对方的信息数据；基于被服务客户端的服务需求，获取对应服务提供客户端的对应于服务需求的服务内容、价格及最小切割单元，根据预设的设置的区块链筛选策略，将服务提供客户端按照服务优质从强到弱排序，并顺序选择一个服务提供客户端作为目标服务提供客户端。
步骤103、基于被服务客户端、目标服务提供客户端及区块链交易协议策略构建服务交易，基于服务需求、价格及最小切割单元进行交易计费，并基于服务交易以预设协议形成策略形成对应的服务交易协议策略；根据服务交易协议策略检测到服务交易完成时，基于区块链系统完成交易计费的支付。
在一些可选的实施例中，如2所示，为本实施例中第二种基于短距离通信支付的方法的流程示意图，与图1中不同的是，还包括：
步骤201、在服务提供客户端，和/或被服务客户端移动时，检测被服务客户端与服务提供客户端之间的短距离通信的信号强弱。
步骤202、根据预设的区块链筛选策略，结合信号强弱，进行信号强度和服务优质综合排序，从中顺序选择一个服务提供客户端作为更新服务提供客户端。
步骤203、将被服务客户端的通信连接切换至与更新服务提供客户端连接。
这里还可以为：设置交换活动的服务质量评价项目内容和评价标准，在交换活动开启时，先检测活动双方之间的评价项目内容，基于预设的评价标准和计算方式计算出活动双方及与附近范围内的其它终端之间的服务质量参数。根据预设的区块链筛选策略，结合服务质量参数，进行服务优质综合排序，从中顺序选择一个服务提供客户端作为更新服务提供客户端。例如，在共享wifi中，在相同wifi条件下，可以使得连接终端少的wifi配置有更高的优先级，判定服务质量的标准，包括但不仅限于双方连接的信号强弱。
在一些可选的实施例中，如3所示，为本实施例中第三种基于短距离通信支付的方法的流程示意图，与图1中不同的是，还包括：
步骤301、被服务客户端与目标服务提供客户端构建服务交易，并基于区块链系统向其预付未花费的交易输出。
步骤302、目标服务提供客户端接广播到区块链系统验证未花费的交易输出的合法性，并加入交易池；得到未花费的交易输出合法后为被服务客户端提供服务。
在一些可选的实施例中，如4所示，为本实施例中第四种基于短距离通信支付的方法的流程示意图，与图1中不同的是，还包括：
步骤401、基于服务提供客户端的提供服务信息，获取对应被服务客户端的对应于提供服务信息的所需服务内容、价格及最小切割单元，根据预设的区块链筛选策略，将被服务客户端按照服务优质从强到弱排序，并顺序选择一个被服务客户端作为目标被服务客户端。
步骤402、基于目标被服务客户端、服务提供客户端及区块链交易协议策略构建服务交易，基于提供服务信息、价格及最小切割单元进行交易计费，并基于服务交易以预设协议形成策略形成对应的服务交易协议策略；根据服务交易协议策略检测到服务交易完成时，基于区块链系统完成交易计费的支付。
在一些可选的实施例中，如5所示，为本实施例中第五种基于短距离通信支付的方法的流程示意图，与图1中不同的是，还包括：
步骤501、检测到服务交易完成时，基于服务交易以预设提示策略生成续费服务提示，发送至被服务客户端。
步骤502、在被服务客户端确认续费服务时，根据确认的服务内容继续服务交易直至再次完成。
在一些可选的实施例中，如6所示，为本实施例中一种基于短距离通信支付的装置600的结构示意图，可用于实施上述的基于短距离通信支付的方法，该基于短距离通信支付的装置，应用于区块链支付系统中，包括：支付设置模块601、目标服务提供客户端选取模块602及支付处理模块603。
其中，支付设置模块601，服务提供客户端根据预设区块链服务策略协议发布服务内容、价格及最 小切割单元。
目标服务提供客户端选取模块602，与支付设置模块601相连接，被服务客户端与服务提供客户端通过短距离通信连接，并相互访问对方的信息数据；基于被服务客户端的服务需求，获取对应服务提供客户端的对应于服务需求的服务内容、价格及最小切割单元，根据预设的区块链筛选策略，将服务提供客户端按照服务优质从强到弱排序，并顺序选择一个服务提供客户端作为目标服务提供客户端。
支付处理模块603，与支付设置模块及目标服务提供客户端选取模块相连接，基于被服务客户端、目标服务提供客户端及区块链交易协议策略构建服务交易，基于服务需求、价格及最小切割单元进行交易计费，并基于服务交易以预设协议形成策略形成对应的服务交易协议策略；根据服务交易协议策略检测到服务交易完成时，基于区块链系统完成交易计费的支付。
bip270中提出一种使用短距离通信(NFC)进行支付的技术方案，主要包括：通过短距离通信的方式，两个终端之间进行价值传递，由收款方进行广播交易。包含特征如下：
本实施例中的基于短距离通信支付的方案声明了所有无跳转、无路由支付的方式，以wifi为例：NFC是不可移动的，而wifi是可移动的；NFC不可多终端之间切换，而wifi可以进行切换收费；无跳转通信并不只包括短距离通信，也包括卫星电话与终端、长链路的光纤、短距离的wifi等通信手段。本实施例方案设置了价格、询价、续费、切换、押金、预付费、后付费等等模式，支付基础是基于区块链的微支付。
在一些可选的实施例中，如7所示，为本实施例中第二种基于短距离通信支付的装置700的结构示意图，与图6中不同的是，还包括：移动支付切换模块701，与支付设置模块601、目标服务提供客户端选取模块602及支付处理模块603相连接。用于：在服务提供客户端，和/或被服务客户端移动时，检测被服务客户端与服务提供客户端之间的短距离通信的信号强弱。
根据预设的区块链筛选策略，结合信号强弱，进行信号强度和服务优质综合排序，从中顺序选择一个服务提供客户端作为更新服务提供客户端。
将被服务客户端的通信连接切换至与更新服务提供客户端连接。
在一些可选的实施例中，如8所示，为本实施例中第三种基于短距离通信支付的装置800的结构示意图，与图6中不同的是，还包括：区块链交易处理模块801，与支付设置模块601及目标服务提供客户端选取模块602相连接，被服务客户端与目标服务提供客户端构建服务交易，并基于区块链系统向其预付未花费的交易输出。
目标服务提供客户端接广播到区块链系统验证未花费的交易输出的合法性，并加入交易池；得到未花费的交易输出合法后为被服务客户端提供服务。
在一些可选的实施例中，如9所示，为本实施例中第四种基于短距离通信支付的装置900的结构示意图，与图6中不同的是，还包括：被动服务交易处理模块901，与支付设置模块601及目标服务提供客户端选取模块602相连接，基于服务提供客户端的提供服务信息，获取对应被服务客户端的对应于提供服务信息的所需服务内容、价格及最小切割单元，根据预设的区块链筛选策略，将被服务客户端按照服务优质从强到弱排序，并顺序选择一个被服务客户端作为目标被服务客户端。
基于目标被服务客户端、服务提供客户端及区块链交易协议策略构建服务交易，基于提供服务信息、价格及最小切割单元进行交易计费，并基于服务交易以预设协议形成策略形成对应的服务交易协议策略；根据服务交易协议策略检测到服务交易完成时，基于区块链系统完成交易计费的支付。
在一些可选的实施例中，如10-16所示，图10为本实施例中第五种基于短距离通信支付的装置1000的结构示意图，与图6不同的是，还包括：续费交易处理模块1001，与支付处理模块603相连接，检测到服务交易完成时，基于服务交易以预设提示策略生成续费服务提示，发送至被服务客户端。
在被服务客户端确认续费服务时，根据确认的服务内容继续服务交易直至再次完成。
图11为本实施例基于短距离通信支付的方法中一种主动收款模式的流程示意图；图12为本实施例中所述的一种基于短距离通信支付的系统的结构示意图；图13为本实施例中所述的另一种基于短距离通信支付的系统的结构示意图；图14为本实施例中所述的又一种基于短距离通信支付的系统的结构示意图；图15为本实施例中所述的又一种基于短距离通信支付的系统的结构示意图；图16为本实施例中所述的又一种基于短距离通信支付的系统的结构示意图。
虽然已经通过例子对本发明的一些特定实施例进行了详细说明，但是本领域的技术人员应该理解，以上例子仅是为了进行说明，而不是为了限制本发明的范围。本领域的技术人员应该理解，可在不脱离本发明的范围和精神的情况下，对以上实施例进行修改。本发明的范围由所附权利要求来限定。

Claims (10)

  1. 一种基于短距离通信支付的方法，其特征在于，包括：
    在区块链系统中，服务提供客户端根据预设区块链服务策略协议发布服务内容、价格及最小切割单元；
    被服务客户端与所述服务提供客户端通过短距离通信连接，并相互访问对方的信息数据；基于所述被服务客户端的服务需求，获取对应所述服务提供客户端的对应于所述服务需求的所述服务内容、价格及最小切割单元，根据设置的区块链筛选策略，将所述服务提供客户端按照服务优质从强到弱排序，并顺序选择一个所述服务提供客户端作为目标服务提供客户端；
    基于所述被服务客户端、目标服务提供客户端及区块链交易协议策略构建服务交易，基于所述服务需求、价格及最小切割单元进行交易计费，并基于所述服务交易以预设协议形成策略形成对应的服务交易协议策略；根据所述服务交易协议策略检测到所述服务交易完成时，基于所述区块链系统完成所述交易计费的支付。
  2. 根据权利要求1所述的基于短距离通信支付的方法，其特征在于，还包括：
    在所述服务提供客户端，和/或被服务客户端移动时，检测所述被服务客户端与服务提供客户端之间的短距离通信的信号强弱；
    根据预设的所述区块链筛选策略，结合所述信号强弱，进行信号强度和服务优质综合排序，从中顺序选择一个所述服务提供客户端作为更新服务提供客户端；
    将所述被服务客户端的通信连接切换至与所述更新服务提供客户端连接。
  3. 根据权利要求1所述的基于短距离通信支付的方法，其特征在于，还包括：
    所述被服务客户端与所述目标服务提供客户端构建服务交易，并基于所述区块链系统向其预付未花费的交易输出；
    所述目标服务提供客户端接广播到所述区块链系统验证所述未花费的交易输出的合法性，并加入交易池；得到所述未花费的交易输出合法后为所述被服务客户端提供服务。
  4. 根据权利要求1所述的基于短距离通信支付的方法，其特征在于，还包括：
    基于所述服务提供客户端的提供服务信息，获取对应所述被服务客户端的对应于所述提供服务信息的所需服务内容、价格及最小切割单元，根据预设的区块链筛选策略，将所述被服务客户端按照服务优质从强到弱排序，并顺序选择一个所述被服务客户端作为目标被服务客户端；
    基于所述目标被服务客户端、服务提供客户端及区块链交易协议策略构建服务交易，基于所述提供服务信息、价格及最小切割单元进行交易计费，并基于所述服务交易以预设协议形成策略形成对应的服务交易协议策略；根据所述服务交易协议策略检测到所述服务交易完成时，基于所述区块链系统完成所述交易计费的支付。
  5. 根据权利要求1所述的基于短距离通信支付的方法，其特征在于，还包括：
    检测到所述服务交易完成时，基于所述服务交易以预设提示策略生成续费服务提示，发送至所述被服务客户端；
    在所述被服务客户端确认所述续费服务时，根据确认的服务内容继续所述服务交易直至再次完成。
  6. 一种基于短距离通信支付的装置，其特征在于，应用于区块链支付系统中，包括：支付设置模块、目标服务提供客户端选取模块及支付处理模块；其中，
    所述支付设置模块，服务提供客户端根据预设区块链服务策略协议发布服务内容、价格及最小切割单元；
    所述目标服务提供客户端选取模块，与所述支付设置模块相连接，被服务客户端与所述服务提供客户端通过短距离通信连接，并相互访问对方的信息数据；基于所述被服务客户端的服务需求，获取对应所述服务提供客户端的对应于所述服务需求的所述服务内容、价格及最小切割单元，根据预设的区块链筛选策略，将所述服务提供客户端按照服务优质从强到弱排序，并顺序选择一个所述服务提供客户端作为目标服务提供客户端；
    所述支付处理模块，与所述支付设置模块及目标服务提供客户端选取模块相连接，基于所述被服务客户端、目标服务提供客户端及区块链交易协议策略构建服务交易，基于所述服务需求、价格及最小切割单元进行交易计费，并基于所述服务交易以预设协议形成策略形成对应的服务交易协议策略；根据所述服务交易协议策略检测到所述服务交易完成时，基于所述区块链系统完成所述交易计费的支付。
  7. 根据权利要求6所述的基于短距离通信支付的装置，其特征在于，还包括：移动支付切换模块， 与所述支付设置模块、目标服务提供客户端选取模块及支付处理模块相连接，
    在所述服务提供客户端，和/或被服务客户端移动时，检测所述被服务客户端与服务提供客户端之间的短距离通信的信号强弱；
    根据预设的所述区块链筛选策略，结合所述信号强弱，进行信号强度和服务优质综合排序，从中顺序选择一个所述服务提供客户端作为更新服务提供客户端；
    将所述被服务客户端的通信连接切换至与所述更新服务提供客户端连接。
  8. 根据权利要求6所述的基于短距离通信支付的装置，其特征在于，
    还包括：区块链交易处理模块，与所述支付设置模块及目标服务提供客户端选取模块相连接，
    所述被服务客户端与所述目标服务提供客户端构建服务交易，并基于所述区块链系统向其预付未花费的交易输出；
    所述目标服务提供客户端接广播到所述区块链系统验证所述未花费的交易输出的合法性，并加入交易池；得到所述未花费的交易输出合法后为所述被服务客户端提供服务。
  9. 根据权利要求6所述的基于短距离通信支付的装置，其特征在于，还包括：被动服务交易处理模块，与所述支付设置模块及目标服务提供客户端选取模块相连接，
    基于所述服务提供客户端的提供服务信息，获取对应所述被服务客户端的对应于所述提供服务信息的所需服务内容、价格及最小切割单元，根据预设的区块链筛选策略，将所述被服务客户端按照服务优质从强到弱排序，并顺序选择一个所述被服务客户端作为目标被服务客户端；
    基于所述目标被服务客户端、服务提供客户端及区块链交易协议策略构建服务交易，基于所述提供服务信息、价格及最小切割单元进行交易计费，并基于所述服务交易以预设协议形成策略形成对应的服务交易协议策略；根据所述服务交易协议策略检测到所述服务交易完成时，基于所述区块链系统完成所述交易计费的支付。
  10. 根据权利要求6所述的基于短距离通信支付的装置，其特征在于，还包括：续费交易处理模块，与所述支付处理模块相连接，
    检测到所述服务交易完成时，基于所述服务交易以预设提示策略生成续费服务提示，发送至所述被服务客户端；
    在所述被服务客户端确认所述续费服务时，根据确认的服务内容继续所述服务交易直至再次完成。
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