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Account transfer payment method based on block chain technology

A blockchain and technology technology, applied in the payment system, payment system structure, agreement authorization, etc., can solve the problems of fund retention, bad influence, alteration of transactions to extract funds from merchants and users, etc.

Active Publication Date: 2017-12-19
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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  • Account transfer payment method based on block chain technology
  • Account transfer payment method based on block chain technology
  • Account transfer payment method based on block chain technology

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0036] The specific transaction process of transfer payment is as follows:

[0037] The user submits the order: the information of the user and the transfer party generates a payment request;

[0038] The merchant system submits the payment request: the merchant order system submits the payment request to any node on the blockchain payment system;

[0039] 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, they verify it separately. If the verification is successful and it is the first time to receive the payment request, they broadcast the payment request and store the payment request in the tra...

Embodiment 2

[0048] A transfer payment method based on blockchain technology, comprising:

[0049] S1. The user submits the order: the information of the user and the transfer party generates a payment request;

[0050] 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;

[0051] 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;

[0052] 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 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...

Embodiment 3

[0071] A transfer payment method based on blockchain technology, including only:

[0072] S1. The user submits the order: the information of the user and the transfer party generates 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 request, the verified payment request is formed into a block through a consensus algorithm, thus, the payment request is recorded on the block chain;

[0075] 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 channel; the payment channel processes the payment request, and returns the payment result to the Prophet system ;The prophet system returns the payment res...

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Abstract

The invention provides an account transfer payment method based on a block chain technology. The method comprises the following steps a user submits own information and information of an account transfer party and a transaction request is generated; a merchant order system submits the transaction request to any node on a block chain payment system, wherein the node forms a receiving node; after a block chain verifies a payment request, the verified payment request is blocked through a consensus algorithm, thus the payment request is recorded on the block chain; a prophetic system monitors the payment request on the block chain of the node matched with the prophetic system and sends the payment request to a payment channel; the payment channel processes the payment request and returns a payment result to the prophetic system; the prophetic system returns the payment result to the block chain through a block chain node matched with the prophetic system; after being blocked through the consensus algorithm, the payment result is recorded on the block chain and is informed of a transaction system of a merchant; and the whole payment process is completed, and the payment at this time is completed. The account transfer payment method based on the block chain technology is beneficial to implementing accurate and timely and multidimensional supervision, and the problem of suspicion of an online e-commerce service platform and an offline payment service provider can be solved.

Description

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

Claims

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Application Information

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IPC IPC(8): G06Q20/08G06Q20/38G06Q20/40
CPCG06Q20/085G06Q20/382G06Q20/401
Inventor 杨阳
Owner 苏州缓流科技有限公司
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