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Regulatory payment method based on blockchain technology

A blockchain and technology technology, applied in payment systems, payment architectures, payments involving neutral parties, etc., can solve problems such as inability to guarantee the authenticity of transaction information, altering transactions to obtain funds from merchants and users, and fund retention.

Active Publication Date: 2021-12-28
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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  • Regulatory payment method based on blockchain technology
  • Regulatory payment method based on blockchain technology
  • Regulatory payment method based on blockchain technology

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0036] Such as figure 1 As shown, the payment method used in the present invention is based on the following system, including: a merchant module, an access module, a block chain, a connection module, and a channel module; wherein, the described merchant module, access module, block chain, connection The module and the channel module are connected in sequence; the merchant module is composed of the merchant’s own transaction system, and all transactions are first placed through the merchant’s own transaction system to form a transaction request and submitted to the payment system; In the system, it is transmitted to the channel module through the access module, block chain, and connection module; the access module is composed of an SDK module and an operation management system, and the operation management system is used to manage transaction orders and merchant permissions; the channel The module receives the transaction request sent by the connection module, processes the tr...

Embodiment 2

[0063] A regulated payment method based on blockchain technology, which includes the following steps:

[0064] S1. The transaction request system generates a transaction request and sends the transaction request to any node on the blockchain;

[0065] S2. After the node receives the transaction request, it broadcasts the transaction request to other nodes, and after forming a block through a consensus algorithm, the transaction request is recorded on the blockchain;

[0066] S3. After the Prophet system monitors the transaction request on the blockchain, it sends the transaction request to the transaction system of a commercial bank, UnionPay or a third-party company;

[0067] S4. After the transaction system processes the transaction request, it returns the transaction result to the prophet system;

[0068] S5. The Prophet system writes back the transaction result to the transaction return node of the blockchain;

[0069] S6. After the blockchain node receives the transacti...

Embodiment 3

[0077] On the basis of Embodiment 2, after step S8, it also includes: step S9, get the transaction bills of all transaction systems, and match with the transaction data on the block chain, find out the unmatched transactions, and process the reconciliation Unmatched transactions found by the system.

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Abstract

The present invention provides a supervisable payment method based on block chain technology, comprising the following steps: a transaction request system is used to generate a transaction request, and the transaction request is sent to any node on the block chain; the node receives the After the transaction request, the transaction request is broadcast to other nodes, and the transaction request is recorded on the block chain; after the prophet system monitors the transaction request on the block chain, it sends the transaction request to commercial banks, UnionPay Or the transaction system of the third-party company; after the transaction system processes the transaction request, it returns the transaction result to the Prophet system; the Prophet system writes the transaction result back to the transaction return node of the block chain; the block chain After the node receives the transaction result, it broadcasts the transaction result to all nodes and forms a block; after the transaction result is recorded on the block chain, the transaction request system obtains the transaction result notification and processes the transaction result; finally, it performs liquidation. 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 invention relates to the technical field of payment transactions, in particular to a blockchain-based payment method that can be supervised. 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 problems wi...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/02G06Q20/38G06Q20/40G06Q40/04
CPCG06Q20/02G06Q20/382G06Q20/4016G06Q40/04
Inventor 杨阳
Owner 苏州缓流科技有限公司
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