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Payment method based on block chain technology

A block chain and proxy payment technology, which is applied in the field of block chain technology-based payment proxy, can solve the problems of platform runaway, bad influence, and inability to guarantee the authenticity of transaction information, etc.

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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  • Payment method based on block chain technology
  • Payment method based on block chain technology
  • Payment method based on block chain technology

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0035] The specific transaction process of payment on behalf of blockchain technology is as follows:

[0036] The user enters the payment information and initiates a payment request: the user enters his own information and generates a payment request;

[0037] The merchant system submits the payment request: the merchant order system submits the payment request to any node on the blockchain;

[0038] 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 the verification fails, the generation payment request is directly discarded. After other nodes receive the broadcasted payment request, they verify it separately. If the verification is successful and it is the first time to receive the payment request, they broadcast the p...

Embodiment 2

[0047] The payment method based on block chain technology includes the following steps:

[0048] S1. The user enters payment information and initiates a payment request: the user inputs his own information to generate a payment request;

[0049] S2. The merchant system submits the payment request: the merchant order system submits the payment request to any node on the blockchain, and at this time, the node constitutes the receiving node;

[0050] S3, block chain processing step: after the block chain verifies the payment on behalf of the request, the verified payment on behalf of the request is formed into a block through a consensus algorithm, thus, the payment on behalf of the request is recorded on the block chain;

[0051] S4. Steps of monitoring and paying on behalf: the Prophet system monitors the payment on behalf of the matching node on the block chain, and sends the payment on behalf of the request to the payment channel; the payment channel processes the payment on be...

Embodiment 3

[0071] The payment method based on blockchain technology only includes the following steps:

[0072] S1. The user enters payment information and initiates a payment request: the user inputs his own information to generate a payment request;

[0073] 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;

[0074] S3, block chain processing step: after the block chain verifies the payment on behalf of the request, the verified payment on behalf of the request is formed into a block through a consensus algorithm, thus, the payment on behalf of the request is recorded on the block chain;

[0075] S4. Steps of monitoring and paying on behalf: the Prophet system monitors the payment on behalf of the matching node on the block chain, and sends the payment on behalf of the request to the payment channel; the payment channel proces...

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Abstract

The present invention provides a payment method based on block chain technology, which includes the following steps: the user inputs his own information to generate a transaction request; the merchant order system submits the transaction request to any node on the block chain payment system, Then at this time, the node constitutes the receiving node; after the block chain verifies the payment request, the verified payment request is formed into a block through the consensus algorithm, thus, the payment request is recorded on the block chain; the prophet The system listens to the payment request on the block chain of the matching node and sends the payment request to the payment channel; the payment channel processes the payment request and returns the payment result to the Prophet system; the Prophet system passes the matching The block chain node returns the payment result to the block chain; the payment result is recorded into the block chain through the consensus algorithm, and is notified to the merchant's transaction system; the whole payment process is completed. The present invention facilitates the implementation of accurate, timely and multi-dimensional supervision, and can solve the problem that online e-commerce service platforms and offline payment service providers are suspected of double clearing.

Description

technical field [0001] The present invention relates to the technical field of payment transactions, and in particular to a 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 problem...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/22G06Q20/38G06Q20/40
CPCG06Q20/22G06Q20/389G06Q20/401
Inventor 杨阳
Owner 苏州缓流科技有限公司
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