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Collection and payment method based on block chain technology

A blockchain and technical technology, applied in the field of collection and payment based on blockchain technology, can solve the problems of inability to guarantee the authenticity of transaction information, altering transactions to obtain funds from merchants and users, and fund retention.

Active Publication Date: 2021-12-10
苏州缓流科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

It may happen that the funds stay in the platform account. When the account funds reach a certain scale, once the platform runs away or misappropriates funds, a series of extremely serious problems will arise.
At the same time, the authenticity of the transaction information provided by the platform cannot be guaranteed, and there may be acts of forging or altering transactions to extract funds from merchants and users

Method used

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  • Collection and payment method based on block chain technology
  • Collection and payment method based on block chain technology
  • Collection and payment method based on block chain technology

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0038] The specific transaction process of collection and payment based on blockchain technology is as follows:

[0039] The user submits the order: the user selects the product to be purchased in the merchant's shopping mall, enters the bank card information, clicks the payment button, and the order information is sent to the merchant's order system to generate a payment request;

[0040] The merchant system submits the payment request: the merchant order system submits the payment request to any node on the blockchain payment system;

[0041] The blockchain broadcasts the payment request and forms a block: the node receives the merchant's request, verifies the merchant's request, and sends it to other nodes in the blockchain after the verification is successful, and deposits the payment request into the node's transaction pool at the same time; if verified If it fails, the payment request will be discarded directly. After other nodes receive the broadcast payment request, t...

Embodiment 2

[0054] A collection and payment method based on blockchain technology, including:

[0055] S1. The user submits the order: the user selects the product to be purchased in the merchant's shopping mall, enters the bank card information, clicks the payment button, and the order information is sent to the merchant's order system to generate a payment request;

[0056] S2. The merchant system submits the payment request: the merchant order system submits the payment request to any node on the blockchain payment system, and at this time, the node constitutes the receiving node;

[0057] S3. Block chain processing step: after the block chain verifies the payment request, the verified payment request is formed into a block through a consensus algorithm, thus, the payment request is recorded on the block chain;

[0058] S4. Monitoring and payment steps: the Prophet system monitors the payment request on the blockchain of the matching node, and sends the payment request to the payment c...

Embodiment 3

[0080] A collection and payment method based on blockchain technology, including only:

[0081] S1. The user submits the order: the user selects the product to be purchased in the merchant's shopping mall, enters the bank card information, clicks the payment button, and the order information is sent to the merchant's order system to generate a payment request;

[0082] S2. The merchant system submits the payment request: the merchant order system submits the payment request to any node on the blockchain payment system, and at this time, the node constitutes the receiving node;

[0083] S3. Block chain processing step: after the block chain verifies the payment request, the verified payment request is formed into a block through a consensus algorithm, thus, the payment request is recorded on the block chain;

[0084] S4. Monitoring and payment steps: the Prophet system monitors the payment request on the blockchain of the matching node, and sends the payment request to the paym...

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Abstract

The collection and payment method based on blockchain technology includes: the user selects the product to be purchased, and enters the bank card information, the order information is sent to the merchant's order system, and a payment request is generated; the merchant's order system submits the transaction request to the district Any node on the block chain payment system, which constitutes the receiving node; after the block chain verifies the payment request, the payment request is recorded on the block chain; the prophet system monitors the payment request on the block chain, and will The payment request is sent to the payment channel; the payment channel processes the payment request and returns the payment result to the prophet system; the prophet system returns the payment result to the blockchain through the matching blockchain node; the payment result is recorded in the blockchain Above; the payment channel settles the transaction funds to the settlement account of the merchant, and sends the settlement result to the Prophet system, which packs the settlement result into the blockchain through the Prophet system to complete the whole payment process.

Description

technical field [0001] The invention relates to the technical field of payment transactions, in particular to a collection and payment method based on block chain technology. Background technique [0002] At present, with the large-scale growth of Internet and mobile phone users, Internet payment and mobile payment are developing rapidly. At the same time, the regulatory authorities found that many platforms used the "big merchant" and "second-clearance" models in the actual business process. The "big merchant" model refers to the situation where multiple merchants use the same merchant code, which violates the principle of authenticity of the merchants; Individuals, and then the company or individual settles to the merchant, which violates the principle of directness of settlement. It may happen that the funds stay in the platform account. When the account funds reach a certain scale, once the platform runs away or misappropriates funds, a series of extremely serious prob...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q40/04G06Q20/10G06Q20/36
CPCG06Q20/102G06Q20/3678G06Q40/04
Inventor 杨阳
Owner 苏州缓流科技有限公司
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