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Block chain-based payment method and system and computer readable storage medium

A blockchain and node technology, applied in the blockchain field, can solve the problem that the resources of the acquirer server and the card issuer server cannot be shared.

Active Publication Date: 2018-06-22
WEBANK (CHINA)
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The main purpose of the present invention is to provide a blockchain-based payment method, system and computer-readable storage medium, aiming to solve the technical problem that resources in the existing acquirer server and card issuer server cannot be shared

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  • Block chain-based payment method and system and computer readable storage medium
  • Block chain-based payment method and system and computer readable storage medium
  • Block chain-based payment method and system and computer readable storage medium

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Embodiment Construction

[0043]It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0044] The solution of the embodiment of the present invention is mainly: after the card issuing bank server receives the generation instruction for generating the payment authorization code, send the generation instruction received by the card issuing bank server to the card issuing bank corresponding to the card issuing bank server Block chain node: control the smart contract running in the block chain to obtain the generation instruction from the block chain node of the issuing bank, generate a payment authorization code according to the generation instruction, and synchronize the payment authorization code to In each block chain node in the consortium chain, wherein, the consortium chain includes at least one block chain node of the acquiring bank and one block chain node of the issuing bank; when the block chain no...

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Abstract

The invention discloses a block chain-based payment method and system and a computer readable storage medium. The method includes the steps of sending a generation instruction received by a card issuing bank server to a bard issuing bank block chain node corresponding to the card issuing server when the card issuing bank server receives the generation instruction of generating a payment authorization code; controlling an intelligent contract to obtain the generation instruction from the card issuing bank block chain node, generating the payment authorization code according to the generation instruction, and synchronizing the payment authorization code to each block chain node in a league chain; when an acquiring bank block chain node obtains the payment authorization code, after a paymentinstruction is received, verifying the payment authorization code based on the intelligent contract through an acquiring bank server corresponding to the acquiring bank block chain node; if verification of the payment authorization code succeeds, notifying the card issuing bank server to deduct a amount corresponding to the payment instruction through the league chain. The block chain-based payment method provided by the invention reduces payment cost of the acquiring bank server and reduces access cost of the card issuing bank server.

Description

technical field [0001] The present invention relates to the technical field of block chains, in particular to a payment method, system and computer-readable storage medium based on block chains. Background technique [0002] The existing WeChat payment scheme is as follows: ① The user chooses to pay by swiping the card and opens WeChat, and enters the "I" -> "Wallet" -> "Receipt and Payment" barcode interface; ② The cashier generates a payment order in the merchant system, and the user confirms the payment Amount; ③ After the cashier scans the user's barcode or QR code with a code scanning device, the cashier system receives the payment request; ④ After the cashier system receives the payment request, it judges whether to verify the user's payment password according to the password verification rules. Verify the payment password, then directly execute the deduction operation according to the payment request; if the payment password needs to be verified, the user is pro...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/08G06Q20/32G06Q20/40
CPCG06Q20/085G06Q20/327G06Q20/4014
Inventor 苏小康李斌张开翔张俊麒肖克范瑞彬姚辉亚
Owner WEBANK (CHINA)
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