CN113052594A - Multi-card cooperative payment method and device based on block chain - Google Patents
Multi-card cooperative payment method and device based on block chain Download PDFInfo
- Publication number
- CN113052594A CN113052594A CN202110482234.4A CN202110482234A CN113052594A CN 113052594 A CN113052594 A CN 113052594A CN 202110482234 A CN202110482234 A CN 202110482234A CN 113052594 A CN113052594 A CN 113052594A
- Authority
- CN
- China
- Prior art keywords
- user
- amount
- account
- bank card
- virtual account
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 42
- 230000008014 freezing Effects 0.000 claims abstract description 21
- 238000007710 freezing Methods 0.000 claims abstract description 21
- 238000004590 computer program Methods 0.000 claims description 18
- 238000012546 transfer Methods 0.000 claims description 18
- 230000000694 effects Effects 0.000 claims description 6
- 230000000737 periodic effect Effects 0.000 claims description 6
- 238000004364 calculation method Methods 0.000 claims description 4
- 230000001360 synchronised effect Effects 0.000 claims description 2
- 238000010586 diagram Methods 0.000 description 14
- 230000007246 mechanism Effects 0.000 description 10
- 238000005516 engineering process Methods 0.000 description 8
- 238000004891 communication Methods 0.000 description 7
- 238000012545 processing Methods 0.000 description 6
- 230000006870 function Effects 0.000 description 4
- 238000012795 verification Methods 0.000 description 3
- 230000006399 behavior Effects 0.000 description 1
- 230000005540 biological transmission Effects 0.000 description 1
- 238000001514 detection method Methods 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
- 230000008569 process Effects 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
Images
Classifications
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3572—Multiple accounts on card
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/351—Virtual cards
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Computer Security & Cryptography (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a multi-card cooperative payment method and a device based on a block chain, which can be used in the field of block chains, and the method comprises the following steps: binding all bank card accounts of the user; sending all bank card accounts of the user to a Unionpay block chain network; the Unionpay block chain network authenticates the user and all bank card accounts of the user, and allocates user nodes to the user, wherein the user nodes comprise a main node and a plurality of sub-nodes; generating a virtual account on the master node; calculating the sum of the available amounts of all the bank card accounts of the user to form a summary amount and recording the summary amount on the virtual account; after receiving an application for locking the balance of the virtual account, freezing the summarized amount of the virtual account, after receiving transaction completion information, drawing the transaction amount in the transaction completion information from the summarized amount of the virtual account to a seller account, and unfreezing the summarized amount. The invention can realize multi-card cooperative payment, and has high safety and convenient operation.
Description
Technical Field
The invention relates to the field of block chains, in particular to a multi-card cooperative payment method and device based on a block chain.
Background
With the development of digital financial technology, people increasingly use digital financial means such as bank cards, internet banking and mobile banking to perform operations such as transfer, payment, purchase of funds and financial products, various bank cards owned by each person are continuously increased, personal account funds are distributed on the bank cards, some bank cards can be used for daily payment, others are payroll cards, others are used for purchasing financial products, when people pay, transfer and purchase financial products, account funds on the multiple cards may need to be transferred to one card in a unified manner, and related operations are performed, so that inconvenience and certain potential safety hazards are brought to the operation of customers.
Disclosure of Invention
The embodiment of the invention provides a block chain-based multi-card cooperative payment method, which is used for realizing multi-card cooperative payment and has high safety and convenient operation, and the method comprises the following steps:
binding all bank card accounts of the user;
sending all bank card accounts of the user to a Unionpay block chain network; the Unionpay block chain network authenticates the user and all bank card accounts of the user, and allocates user nodes to the user, wherein the user nodes comprise a main node and a plurality of sub-nodes; the main node stores user identity information of a user, and each sub-node stores a bank card account of the user;
generating a virtual account on the master node;
calculating the sum of the available amounts of all the bank card accounts of the user to form a summary amount and recording the summary amount on the virtual account;
after receiving a balance locking agreement application of a virtual account, freezing the summarized amount of the virtual account, wherein the balance locking agreement application is generated based on the balance locking application proposed by a seller;
and after the transaction completion information is received, drawing the transaction amount in the transaction completion information from the total amount of the virtual account to the seller account, and unfreezing the total amount.
The embodiment of the invention provides a multi-card cooperative payment device based on a block chain, which is used for realizing multi-card cooperative payment and has high safety and convenient operation, and the device comprises:
the binding module is used for binding all the bank card accounts of the user;
the account sending module is used for sending all the bank card accounts of the user to the Unionpay block chain network; the Unionpay block chain network authenticates the user and all bank card accounts of the user, and allocates user nodes to the user, wherein the user nodes comprise a main node and a plurality of sub-nodes; the main node stores user identity information of a user, and each sub-node stores a bank card account of the user;
the virtual account generation module is used for generating a virtual account on the main node;
the summary amount calculation module is used for calculating the sum of the available amounts of all the bank card accounts of the user to form a summary amount and recording the summary amount on the virtual account;
the system comprises a freezing module, a balance locking module and a balance locking module, wherein the freezing module is used for freezing the summarized amount of the virtual account after receiving a balance locking agreement application of the virtual account, and the balance locking agreement application is generated based on the balance locking application proposed by a seller;
and the transaction module is used for drawing the transaction amount in the transaction completion information from the summary amount of the virtual account to the seller account after receiving the transaction completion information, and unfreezing the summary amount.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the multi-card cooperative payment method based on the block chain when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program for executing the block chain-based multi-card cooperative payment method.
In the embodiment of the invention, all the bank card accounts of the user are bound; sending all bank card accounts of the user to a Unionpay block chain network; the Unionpay block chain network authenticates the user and all bank card accounts of the user, and allocates user nodes to the user, wherein the user nodes comprise a main node and a plurality of sub-nodes; the main node stores user identity information of a user, and each sub-node stores a bank card account of the user; generating a virtual account on the master node; calculating the sum of the available amounts of all the bank card accounts of the user to form a summary amount and recording the summary amount on the virtual account; after receiving a balance locking agreement application of a virtual account, freezing the summarized amount of the virtual account, wherein the balance locking agreement application is generated based on the balance locking application proposed by a seller; and after the transaction completion information is received, drawing the transaction amount in the transaction completion information from the total amount of the virtual account to the seller account, and unfreezing the total amount. In the above embodiment, a block chain technology is adopted to form a main node and sub-nodes, wherein the main node has a virtual account, each sub-node has a bank card account, and various bank card accounts of a user are managed in a unified manner based on an account book mechanism of a block chain, so that the user can conveniently conduct transactions in daily life, and the block chain based account book mechanism is high in safety and convenient to operate.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart of a block chain-based multi-card cooperative payment method according to an embodiment of the present invention;
FIG. 2 is a flow chart of fund borrowing in an embodiment of the present invention;
FIG. 3 is a detailed flowchart of a block chain-based multi-card cooperative payment method according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of a block chain-based multi-card cooperative payment apparatus according to an embodiment of the present invention;
FIG. 5 is another schematic diagram of a block chain-based multi-card cooperative payment apparatus according to an embodiment of the present invention;
FIG. 6 is a diagram of a computer device in an embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.
Fig. 1 is a flowchart of a block chain-based multi-card cooperative payment method in an embodiment of the present invention, as shown in fig. 1, the method includes:
102, sending all bank card accounts of a user to a Unionpay block chain network; the Unionpay block chain network authenticates the user and all bank card accounts of the user, and allocates user nodes to the user, wherein the user nodes comprise a main node and a plurality of sub-nodes; the main node stores user identity information of a user, and each sub-node stores a bank card account of the user;
step 103, generating a virtual account on the master node;
and 106, after the transaction completion information is received, drawing the transaction amount in the transaction completion information from the summary amount of the virtual account to a seller account, and unfreezing the summary amount.
In the embodiment of the invention, a block chain technology is adopted to form the main node and the sub-nodes, wherein the main node is provided with a virtual account, each sub-node is provided with each bank card account, and various bank card accounts of a user are uniformly managed based on an account book mechanism of the block chain, so that the user can conveniently carry out transactions in daily life, the safety is high, and the operation is convenient.
In specific implementation, the block chain technology has the advantages of decentralization, traceability, no falsification and the like, and can ensure the safety and reliability of data.
In step 101, a user may log in a certain bank system, and may use mobile banking login or web banking login, and in the case of mobile banking, after the user logs in an XX mobile banking by using a mobile phone number, all bank card accounts under the name of the user are bound, including various accounts under non-own bank cards. In addition, when the user logs in other mobile phone banks through the mobile phone number (the bank is authenticated by the bank union block chain), even if the user does not account in the bank, the user can find the virtual account of the user through the bank union block chain to carry out related digital financial operation.
In step 102, all the bank card accounts of the user are sent to a union pay block chain network; the UnionPay Block chain network authenticates a user and all bank card accounts of the user, specifically, the real identity information of the user is confirmed by combining basic information data such as a user mobile phone number and identity card information and the like with a face recognition technology, and after the authentication is passed, various bank card account information uploaded by the user is linked up. Then, distributing user nodes for the users, wherein the user nodes comprise a main node and a plurality of sub nodes; the main node stores user identity information of a user, and each sub-node stores a bank card account of the user. The user identity information on the host node can use the identity card number as a unique index and comprises identity information, mobile phone number and other basic information.
In step 104, the sum of the available amounts of all the bank card accounts of the user is calculated to form a total amount, and the total amount is recorded on the virtual account, that is, the virtual account has no actual amount, and the money of each bank card account is still in each bank card account, and the virtual account only records one total amount. The amount collected can be used for various digital financial transactions such as transfer, payment, fund purchase, financial products and the like.
In one embodiment, before calculating the sum of the available amounts of all the bank card accounts of the user, the method further comprises the following steps:
and for each bank card account, removing the amount which does not meet the available condition from the account amount of the bank card account through the security protocol of the bank, and obtaining the available amount of the bank card account.
For example, the account balance of a certain bank card of a user is 10000 yuan, but 5000 yuan is frozen for purchasing financing products, and if only the account balance is aggregated, the actual payment fails, so that the amount which does not meet the available condition needs to be removed from the account amount of the bank card account to obtain the available amount of the bank card account; meanwhile, if a certain bank card of the user has special use, the user can set corresponding payment conditions (for example, the deduction amount is not more than 10000 yuan, the account balance of the bank card is not less than 5000 yuan, and the like), and the amount meeting the payment conditions at the moment is the amount not meeting the available conditions.
In an embodiment, the method further comprises:
receiving the transaction type and the transaction limit of the summary amount configured by the user on the virtual account;
freezing the aggregated amount of the virtual account, comprising: and when the current transaction type and the transaction limit meet the configured transaction type and the configured transaction limit, freezing the sum of the virtual account.
That is, the virtual account can limit the transaction type (such as financial, stock, account transfer, etc.) and the transaction limit, realize the autonomous control of the user, and receive the payment times of the amount upper limit configured by the user in addition to the leining; meanwhile, in order to ensure fund safety, when the virtual account is used for payment, traditional verification modes with low safety, such as secret, user transaction passwords, short message verification codes and the like cannot be used, verification modes with user special biological information (at least 2 types of technologies such as fingerprints, voiceprints, iris recognition and the like) must be used, and fund loss caused by the conditions that a user account, a mobile phone is stolen, the minors recharge in large amount and the like is prevented. In addition, the transaction limit setting can prevent malicious card swiping cash register, and when a user uses a plurality of credit cards to maliciously swipe the cards (when the credit cards are used for registering cash) to set the transaction amount, the bank card account bound with the virtual account is locked by using a block chain message synchronization mechanism, so that the malicious cash register behavior is prevented. The user credit rating assessment may also refer to this mechanism.
In steps 105 and 106, after receiving an agreement balance locking application of the virtual account, which is generated based on the balance locking application proposed by the seller, the transaction amount in the transaction completion information is drawn from the total amount of the virtual account to the seller's account, and the total amount is unfrozen.
In specific implementation, when the system is used for purchasing commodities or special transactions, a third-party platform is often needed for guarantee so as to guarantee safety and reduce disputes, and in some cases, hidden dangers are caused to fund safety of transactions due to the lack of the third-party guarantee platform. The method and the device can lock the balance application of the virtual account of the buyer in advance before the transaction occurs, at the moment, the seller provides the balance locking application, the buyer generates the balance locking application after agreeing with the locking application, the total amount of the virtual account is frozen, the frozen amount is still on the account of the buyer, when the service provided by the seller is completed or the transaction is completed, the transaction completion information is received, the transaction amount in the transaction completion information is drawn from the total amount of the virtual account to the account of the seller, and the total amount is unfrozen.
In one embodiment, debiting the transaction amount in the transaction completion information from the virtual account to the seller account includes:
and when the summary amount is larger than the transaction amount, drawing the available amount on each bank card account to a virtual account according to the pre-configured deduction sequence and deduction proportion of the bank card accounts of each sub-node, and drawing the generated actual summary amount received on the virtual account to a seller account.
The deduction sequence and the deduction proportion in the embodiment can be set by a user according to actual conditions.
In an embodiment, the method further comprises:
and when the virtual account receives the transaction amount, drawing the received transaction amount into at least one bank card account according to a preset transfer rule.
In the above embodiment, the virtual account receives the transaction amount, such as the amount of money transfer and refund, and at this time, the transaction amount is first refunded to the virtual account and then transferred to at least one bank card account according to the transfer rules preset by the user.
In an embodiment, the method further comprises:
when a bank card account independently conducts transaction, the transaction details are synchronized to other bank card accounts and virtual accounts, so that the fund supervision of a user and the grading work of user grades (including integrity, fund scale, consumption types and customer figures) of banks in later period are facilitated. The completion of the above actions is a block chain based message synchronization mechanism.
Fig. 2 is a flow chart of fund borrowing according to an embodiment of the present invention, and in an embodiment, the method further includes:
and step 203, after the repayment time of the borrowed funds expires, summarizing the locked funds of each bank card account on the virtual account, and sending a transfer notice to the bank, wherein the transfer notice is used for notifying the bank to perform transfer operation on the virtual account.
The above steps are to deal with the situation that the customer may suddenly need to use a large amount of funds due to an emergency, and the customer's funds may be locked in each bank (large amount of regular deposit, national debt, regular financial products, etc.), and the advance cash withdrawal will cause a large economic loss (or cannot cash withdrawal).
In an embodiment, the method further comprises:
representing the consumption habits of the user based on the financial transactions generated by the virtual account to obtain the representation of the consumption habits of the user;
and pushing bank activity information to the user based on the consumption habit portrait.
Based on the consumption habit portrait, bank activity information is pushed to the user, and the financial activity and satisfaction of the user can be improved.
Based on the method provided by the embodiment of the invention, the virtual account is used, the unified payment is carried out after the amount is summarized, and lawless persons can be prevented from dispersing the fund to multiple bank cards and avoiding supervision through respective deduction of money by the multiple bank cards.
Aiming at the condition that lawless persons often use the same mobile phone number to bind a plurality of (non-self) bank cards for illegal activities (such as fraud gangs), the method provided by the embodiment of the invention can timely know whether the identity information of the mobile phone number in each bank is consistent (such as identity card information) or not when the bank card is bound by a virtual account, and can early warn if the identity information is inconsistent.
Based on the above embodiment, fig. 3 is a detailed flowchart of a block chain-based multi-card cooperative payment method in the embodiment of the present invention, including:
step 308, after receiving a balance locking agreement application of the virtual account, freezing the summarized amount of the virtual account, wherein the balance locking agreement application is generated based on the balance locking application proposed by the seller;
In summary, in the method provided in the embodiment of the present invention, all the bank card accounts of the user are bound; sending all bank card accounts of the user to a Unionpay block chain network; the Unionpay block chain network authenticates the user and all bank card accounts of the user, and allocates user nodes to the user, wherein the user nodes comprise a main node and a plurality of sub-nodes; the main node stores user identity information of a user, and each sub-node stores a bank card account of the user; generating a virtual account on the master node; calculating the sum of the available amounts of all the bank card accounts of the user to form a summary amount and recording the summary amount on the virtual account; after receiving a balance locking agreement application of a virtual account, freezing the summarized amount of the virtual account, wherein the balance locking agreement application is generated based on the balance locking application proposed by a seller; and after the transaction completion information is received, drawing the transaction amount in the transaction completion information from the total amount of the virtual account to the seller account, and unfreezing the total amount. In the above embodiment, a block chain technology is adopted to form a main node and sub-nodes, wherein the main node has a virtual account, each sub-node has a bank card account, and various bank card accounts of a user are managed in a unified manner based on an account book mechanism of a block chain, so that the user can conveniently conduct transactions in daily life, and the block chain based account book mechanism is high in safety and convenient to operate.
The embodiment of the invention also provides a multi-card cooperative payment device based on the block chain, the principle of which is similar to that of the multi-card cooperative payment method based on the block chain, and the description is omitted here.
Fig. 4 is a schematic diagram of a block chain-based multi-card cooperative payment apparatus according to an embodiment of the present invention, as shown in fig. 4, the apparatus includes:
a binding module 401, configured to bind all bank card accounts of a user;
an account sending module 402, configured to send all bank card accounts of the user to the union pay block chain network; the Unionpay block chain network authenticates the user and all bank card accounts of the user, and allocates user nodes to the user, wherein the user nodes comprise a main node and a plurality of sub-nodes; the main node stores user identity information of a user, and each sub-node stores a bank card account of the user;
a virtual account generation module 403, configured to generate a virtual account on the master node;
a summary amount calculation module 404, configured to calculate a sum of available amounts of all bank card accounts of the user, form a summary amount, and record the summary amount on the virtual account;
a freezing module 405, configured to freeze a summarized amount of the virtual account after receiving a balance locking agreement application of the virtual account, where the balance locking agreement application is generated based on a balance locking application provided by a seller;
and the transaction module 406 is configured to draw the transaction amount in the transaction completion information from the aggregated amount of the virtual account to the seller account and unfreeze the aggregated amount after receiving the transaction completion information.
Fig. 5 is another schematic diagram of a block chain-based multi-card cooperative payment apparatus according to an embodiment of the present invention, in which the apparatus further includes a transaction limiting module 407 for: receiving the transaction type and the transaction limit of the summary amount configured by the user on the virtual account;
the freeze module 405 is also for: and when the current transaction type and the transaction limit meet the configured transaction type and the configured transaction limit, freezing the sum of the virtual account.
In one embodiment, the apparatus further comprises an available amount calculation module 408 for: and for each bank card account, removing the amount which does not meet the available condition from the account amount of the bank card account through the security protocol of the bank, and obtaining the available amount of the bank card account.
In one embodiment, the transaction module 406 is specifically configured to: and when the summary amount is larger than the transaction amount, drawing the available amount on each bank card account to a virtual account according to the pre-configured deduction sequence and deduction proportion of the bank card accounts of each sub-node, and drawing the generated actual summary amount received on the virtual account to a seller account.
In one embodiment, the apparatus further comprises a revenue processing module 409 configured to:
and when the virtual account receives the transaction amount, drawing the received transaction amount into at least one bank card account according to a preset transfer rule.
In one embodiment, the apparatus further comprises a loan fund processing module 410 for:
locking funds of each bank account, wherein the locking funds are one or any combination of principal funds in large-amount periodic deposit, national debt and periodic financing;
obtaining the borrowing funds provided for each bank card account based on the amount of the locked funds;
and after the repayment time of the borrowed funds expires, summarizing the locked funds of each bank card account on the virtual account, and sending a transfer notice to the bank, wherein the transfer notice is used for informing the bank to perform transfer operation on the virtual account.
In one embodiment, the apparatus further comprises a user profile module 411 for:
representing the consumption habits of the user based on the financial transactions generated by the virtual account to obtain the representation of the consumption habits of the user;
and pushing bank activity information to the user based on the consumption habit portrait.
In summary, in the apparatus provided in the embodiment of the present invention, all the bank card accounts of the user are bound; sending all bank card accounts of the user to a Unionpay block chain network; the Unionpay block chain network authenticates the user and all bank card accounts of the user, and allocates user nodes to the user, wherein the user nodes comprise a main node and a plurality of sub-nodes; the main node stores user identity information of a user, and each sub-node stores a bank card account of the user; generating a virtual account on the master node; calculating the sum of the available amounts of all the bank card accounts of the user to form a summary amount and recording the summary amount on the virtual account; after receiving a balance locking agreement application of a virtual account, freezing the summarized amount of the virtual account, wherein the balance locking agreement application is generated based on the balance locking application proposed by a seller; and after the transaction completion information is received, drawing the transaction amount in the transaction completion information from the total amount of the virtual account to the seller account, and unfreezing the total amount. In the above embodiment, a block chain technology is adopted to form a main node and sub-nodes, wherein the main node has a virtual account, each sub-node has a bank card account, and various bank card accounts of a user are managed in a unified manner based on an account book mechanism of a block chain, so that the user can conveniently conduct transactions in daily life, and the block chain based account book mechanism is high in safety and convenient to operate.
An embodiment of the present invention further provides a computer device, and fig. 6 is a schematic diagram of the computer device in the embodiment of the present invention, where the computer device is capable of implementing all steps in the block chain-based multi-card collaborative payment method in the embodiment, and the computer device specifically includes the following contents:
a processor (processor)601, a memory (memory)602, a communication Interface (Communications Interface)603, and a communication bus 604;
the processor 601, the memory 602 and the communication interface 603 complete mutual communication through the communication bus 604; the communication interface 603 is used for implementing information transmission among related devices such as server-side devices, detection devices, user-side devices and the like;
the processor 601 is configured to call a computer program in the memory 602, and when the processor executes the computer program, the processor implements all the steps of the blockchain-based multi-card cooperative payment method in the above embodiments.
An embodiment of the present invention further provides a computer-readable storage medium, which is capable of implementing all steps in the blockchain-based multi-card collaborative payment method in the foregoing embodiment, where the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the computer program implements all steps of the blockchain-based multi-card collaborative payment method in the foregoing embodiment.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (11)
1. A multi-card cooperative payment method based on a block chain is characterized by comprising the following steps:
binding all bank card accounts of the user;
sending all bank card accounts of the user to a Unionpay block chain network; the Unionpay block chain network authenticates the user and all bank card accounts of the user, and allocates user nodes to the user, wherein the user nodes comprise a main node and a plurality of sub-nodes; the main node stores user identity information of a user, and each sub-node stores a bank card account of the user;
generating a virtual account on the master node;
calculating the sum of the available amounts of all the bank card accounts of the user to form a summary amount and recording the summary amount on the virtual account;
after receiving a balance locking agreement application of a virtual account, freezing the summarized amount of the virtual account, wherein the balance locking agreement application is generated based on the balance locking application proposed by a seller;
and after the transaction completion information is received, drawing the transaction amount in the transaction completion information from the total amount of the virtual account to the seller account, and unfreezing the total amount.
2. The blockchain-based multi-card collaborative payment method according to claim 1, further comprising:
receiving the transaction type and the transaction limit of the summary amount configured by the user on the virtual account;
freezing the aggregated amount of the virtual account, comprising: and when the current transaction type and the transaction limit meet the configured transaction type and the configured transaction limit, freezing the sum of the virtual account.
3. The method for multi-card cooperative payment based on blockchain according to claim 1, further comprising, before calculating the sum of the available amounts of all bank card accounts of the user:
and for each bank card account, removing the amount which does not meet the available condition from the account amount of the bank card account through the security protocol of the bank, and obtaining the available amount of the bank card account.
4. The blockchain-based multi-card collaborative payment method according to claim 1, wherein the debiting of the transaction amount in the transaction completion information from the virtual account to the seller account comprises:
and when the summary amount is larger than the transaction amount, drawing the available amount on each bank card account to a virtual account according to the pre-configured deduction sequence and deduction proportion of the bank card accounts of each sub-node, and drawing the generated actual summary amount received on the virtual account to a seller account.
5. The blockchain-based multi-card collaborative payment method according to claim 1, further comprising:
and when the virtual account receives the transaction amount, drawing the received transaction amount into at least one bank card account according to a preset transfer rule.
6. The blockchain-based multi-card collaborative payment method according to claim 1, further comprising:
when the transaction of one bank card account occurs independently, the transaction details are synchronized to other bank card accounts and the virtual account.
7. The blockchain-based multi-card collaborative payment method according to claim 1, further comprising:
locking funds of each bank account, wherein the locking funds are one or any combination of principal funds in large-amount periodic deposit, national debt and periodic financing;
obtaining the borrowing funds provided for each bank card account based on the amount of the locked funds;
and after the repayment time of the borrowed funds expires, summarizing the locked funds of each bank card account on the virtual account, and sending a transfer notice to the bank, wherein the transfer notice is used for informing the bank to perform transfer operation on the virtual account.
8. The blockchain-based multi-card collaborative payment method according to claim 1, further comprising:
representing the consumption habits of the user based on the financial transactions generated by the virtual account to obtain the representation of the consumption habits of the user;
and pushing bank activity information to the user based on the consumption habit portrait.
9. A multi-card cooperative payment device based on a blockchain is characterized by comprising:
the binding module is used for binding all the bank card accounts of the user;
the account sending module is used for sending all the bank card accounts of the user to the Unionpay block chain network; the Unionpay block chain network authenticates the user and all bank card accounts of the user, and allocates user nodes to the user, wherein the user nodes comprise a main node and a plurality of sub-nodes; the main node stores user identity information of a user, and each sub-node stores a bank card account of the user;
the virtual account generation module is used for generating a virtual account on the main node;
the summary amount calculation module is used for calculating the sum of the available amounts of all the bank card accounts of the user to form a summary amount and recording the summary amount on the virtual account;
the system comprises a freezing module, a balance locking module and a balance locking module, wherein the freezing module is used for freezing the summarized amount of the virtual account after receiving a balance locking agreement application of the virtual account, and the balance locking agreement application is generated based on the balance locking application proposed by a seller;
and the transaction module is used for drawing the transaction amount in the transaction completion information from the summary amount of the virtual account to the seller account after receiving the transaction completion information, and unfreezing the summary amount.
10. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 8 when executing the computer program.
11. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 8.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110482234.4A CN113052594A (en) | 2021-04-30 | 2021-04-30 | Multi-card cooperative payment method and device based on block chain |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110482234.4A CN113052594A (en) | 2021-04-30 | 2021-04-30 | Multi-card cooperative payment method and device based on block chain |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN113052594A true CN113052594A (en) | 2021-06-29 |
Family
ID=76518158
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202110482234.4A Pending CN113052594A (en) | 2021-04-30 | 2021-04-30 | Multi-card cooperative payment method and device based on block chain |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN113052594A (en) |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113450099A (en) * | 2021-07-14 | 2021-09-28 | 中国银行股份有限公司 | Foreign exchange hanging list transaction processing method, device and system based on alliance chain |
| CN113610530A (en) * | 2021-08-27 | 2021-11-05 | 中国银行股份有限公司 | Account multi-stage linkage system and method across old system and new system |
| CN113627933A (en) * | 2021-08-11 | 2021-11-09 | 中国银行股份有限公司 | Method and device for mobile terminal payment in network-free state |
| CN114219665A (en) * | 2021-12-17 | 2022-03-22 | 中国建设银行股份有限公司 | Sub-account business processing method, device, electronic equipment, medium and product |
| CN114596150A (en) * | 2022-03-10 | 2022-06-07 | 中国银行股份有限公司 | Fund information processing method and device based on blockchain |
| CN114881624A (en) * | 2022-05-07 | 2022-08-09 | 中国银行股份有限公司 | Cross-row multi-card payment method and device based on block chain |
| CN115797088A (en) * | 2022-11-04 | 2023-03-14 | 中电金信软件有限公司 | User account transfer method and device, electronic equipment and readable storage medium |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2002133127A (en) * | 2000-10-24 | 2002-05-10 | Ntt Comware Corp | Remittance method in virtual bank and record medium recorded with programmed method |
| CN106940866A (en) * | 2017-02-22 | 2017-07-11 | 深圳市喜悦智慧实验室有限公司 | A kind of asset management system based on many account managements |
| CN107103530A (en) * | 2017-04-10 | 2017-08-29 | 中国工商银行股份有限公司 | A kind of many account trading method and system of bank individual |
| CN107358524A (en) * | 2017-07-24 | 2017-11-17 | 中国银行股份有限公司 | A kind of method of multiple account managements in the ranks flat account of fund under currency of the same race |
| CN111861440A (en) * | 2020-08-06 | 2020-10-30 | 中国银行股份有限公司 | Bank transfer method and system based on block chain network |
| CN112215701A (en) * | 2020-10-13 | 2021-01-12 | 中国银行股份有限公司 | Method and device for flexibly managing funds among multiple accounts |
-
2021
- 2021-04-30 CN CN202110482234.4A patent/CN113052594A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2002133127A (en) * | 2000-10-24 | 2002-05-10 | Ntt Comware Corp | Remittance method in virtual bank and record medium recorded with programmed method |
| CN106940866A (en) * | 2017-02-22 | 2017-07-11 | 深圳市喜悦智慧实验室有限公司 | A kind of asset management system based on many account managements |
| CN107103530A (en) * | 2017-04-10 | 2017-08-29 | 中国工商银行股份有限公司 | A kind of many account trading method and system of bank individual |
| CN107358524A (en) * | 2017-07-24 | 2017-11-17 | 中国银行股份有限公司 | A kind of method of multiple account managements in the ranks flat account of fund under currency of the same race |
| CN111861440A (en) * | 2020-08-06 | 2020-10-30 | 中国银行股份有限公司 | Bank transfer method and system based on block chain network |
| CN112215701A (en) * | 2020-10-13 | 2021-01-12 | 中国银行股份有限公司 | Method and device for flexibly managing funds among multiple accounts |
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113450099A (en) * | 2021-07-14 | 2021-09-28 | 中国银行股份有限公司 | Foreign exchange hanging list transaction processing method, device and system based on alliance chain |
| CN113627933A (en) * | 2021-08-11 | 2021-11-09 | 中国银行股份有限公司 | Method and device for mobile terminal payment in network-free state |
| CN113627933B (en) * | 2021-08-11 | 2024-04-26 | 中国银行股份有限公司 | Method and device for mobile terminal payment under network-free state |
| CN113610530A (en) * | 2021-08-27 | 2021-11-05 | 中国银行股份有限公司 | Account multi-stage linkage system and method across old system and new system |
| CN114219665A (en) * | 2021-12-17 | 2022-03-22 | 中国建设银行股份有限公司 | Sub-account business processing method, device, electronic equipment, medium and product |
| CN114596150A (en) * | 2022-03-10 | 2022-06-07 | 中国银行股份有限公司 | Fund information processing method and device based on blockchain |
| CN114881624A (en) * | 2022-05-07 | 2022-08-09 | 中国银行股份有限公司 | Cross-row multi-card payment method and device based on block chain |
| CN115797088A (en) * | 2022-11-04 | 2023-03-14 | 中电金信软件有限公司 | User account transfer method and device, electronic equipment and readable storage medium |
| CN115797088B (en) * | 2022-11-04 | 2024-01-19 | 中电金信软件有限公司 | User transfer method and device, electronic equipment and readable storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN113052594A (en) | Multi-card cooperative payment method and device based on block chain | |
| CN110175913B (en) | Data processing system, method, computing device and storage medium based on block chain | |
| US10055714B2 (en) | Digital currency (virtual payment cards) issued by central bank for mobile and wearable devices | |
| CN107808289B (en) | Electronic payment platform, control method and device | |
| US8380629B2 (en) | Seeding challenges for payment transactions | |
| EP3200138A1 (en) | Digital asset conversion | |
| US20090070263A1 (en) | Peer to peer fund transfer | |
| CN101986336A (en) | Electronic check payment system and electronic check payment method | |
| CN111461704B (en) | Method and system for magnetic stripe card transaction security lock of rural financial institution | |
| US12073371B1 (en) | Math based currency point of sale systems and methods | |
| US20120317008A1 (en) | Computer-Implemented Systems And Methods For Handling And Scoring Enterprise Data | |
| US12008525B1 (en) | Mobile wallet using math based currency systems and methods | |
| CN113256403A (en) | Personal petty loan method, device and system based on block chain and 5G message | |
| US11853979B1 (en) | Math based currency credit card | |
| CN115456773A (en) | Payment control method, device, equipment and medium based on block chain | |
| CN112686666A (en) | Electronic wallet transaction method and device for railway business system | |
| CN111932368B (en) | Credit card issuing system and construction method and device thereof | |
| CN109214819A (en) | A kind of method of payment and electronic equipment | |
| CN109472685A (en) | Big data credit APP software | |
| US20240257243A1 (en) | A system and method for trading cryptocurrencies, tokenized assets and/or fiat currencies on a single distributed ledger system with multiple issuing institutions | |
| KR102376783B1 (en) | The blockchain-based transaction history confirmation system | |
| CN111612621A (en) | Digital currency transaction data processing method, device and system | |
| CN111539807A (en) | Transfer method and device | |
| Van Hee et al. | A new digital currency system | |
| CN117035784A (en) | Payment management system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |