Method and apparatus for payment based on credit points

Abstract

The invention provides a payment method and a device based on credit points. The method comprises the following steps: obtaining a payment request of a user, wherein the payment request comprises userinformation and payment amount, and the user information comprising the name and ID number of the user; and the payment request comprising a payment request of the user; querying the credit records of the users in each node of the block chain according to the user information; evaluating the user's credit score and credit rating according to the credit record; analyzing and determining whether apayment request is passed based on the credit score and credit rating. The invention effectively maintains the fund safety of the payee and reduces the risk of the payee by obtaining reliable and realcredit data from the block chain and evaluating the payment request first and then passing the request.

Description

technical field [0001] The invention relates to the technical field of payment, in particular to a payment method and device based on credit points. Background technique [0002] With the continuous development of e-commerce, there are more and more payment methods, such as payment by scanning a QR code, payment by swiping a bank card, etc. Convenient and fast payment is often convenient for users. [0003] In the prior art, different user authentication methods are usually selected according to the transaction amount. When the transaction amount is large, a higher-level user authentication method is used; when the transaction amount is small, a lower-level user authentication method is used, or even an authentication-free method. Higher-level user authentication methods usually require a more complicated interaction process, while lower-level user authentication methods cannot fully guarantee the security of user accounts, and the two cannot be balanced. That is, the exis...

AI Technical Summary

Problems solved by technology

Higher-level user authentication methods usually require a more complex interaction process, while lower-level user authentication methods cannot fully guarantee the security of user accounts, and the two cannot be balanced

That is to say, the existing technology cannot provide a technical solution that can not only simplify the interaction process of the electronic payment system, but also fully guarantee the security of the user account

[0004] A variety of payment methods provide the payer with convenient and fast processing methods. However, due to the lack of comprehensive credit system of the payer, there may be insufficient funds and bad credit of the payer, which may cause the payee to receive it late after payment. less than payment

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