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Transfer payment method based on block chain technology

A technology of blockchain and technology, applied in the direction of payment system, payment system structure, data processing application, etc., can solve problems such as capital retention, bad influence, altered transactions to extract funds from merchants and users, 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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  • Transfer payment method based on block chain technology
  • Transfer payment method based on block chain technology
  • 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 present invention provides a transfer payment method based on block chain technology, comprising the following steps: the user submits the information of himself and the transfer party 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 system listens to 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 passes the matching The block chain node returns the payment result to the block chain; the payment result is recorded on the block chain after being formed into a block through the consensus algorithm, and is notified to the merchant's transaction system; the whole payment process is completed, and the payment is ended . 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, 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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Patent Type & Authority Patents(China)
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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