Payment method and network system

Abstract

The invention provides a payment method and a network system. The payment method comprises the following steps: acquiring the bill information of the current month of the user, and writing the bill information of the current month into the block chain, wherein the bill information of the current month includes the cumulative bill amount of the current user history; receiving payment application information of a user and writing the payment application information into an intelligent contract of the block chain, the payment application information including a payment amount; according to the bill deduction rule preset in the intelligent contract, the payment amount being deducted from the user payment account acquired in advance and a new user history cumulative bill amount being generated,the new user history cumulative bill amount including the difference between the payment amount and the current user history cumulative bill amount. The payment method and the network system providedby the invention can ensure that the payment service is not interrupted, improve the user's payment experience, reduce the down-time of the payment system and the error probability of the payment, and reduce the reconciliation and resale cost of the operator.

Description

technical field [0001] The invention relates to the technical field of communication, in particular to a payment method and a network system. Background technique [0002] At present, the operator's payment service and accounting data are usually deployed in a centralized storage server, and the billing process is performed on the 1st of each month, and it takes about 3 days to complete the billing process. During this period, many users will be shut down due to arrears and other reasons. Many users prefer to pay at the beginning of the month to prevent being shut down. This will cause the payment system to be prone to business processing peaks at the beginning of the month, thus increasing the payment system downtime and chance of error. [0003] Therefore, the existing payment mechanism usually has the following problems: [0004] 1. Bill offset and refund issues. After the user pays the fee, it is considered that the payment has been successful, but due to deviations i...

AI Technical Summary

Problems solved by technology

After the user pays the fee, it is considered that the payment has been successful, but due to deviations in the business processing of the payment system during the peak period, the user's payment is successful, but the bill offset and deduction fails, that is, the arrears have not been offset, which reduces the user experience; and the current operation The Chamber of Commerce conducts account reconciliation every day, and returns the wrong account to the user through the source channel, increasing the cost of reselling

[0005] 2. Highly concurrent user payment operations will lead to suspension of service or downtime in the current payment system. To deal with this situation, operators are currently investing more manpower for key guarantees, and second is investing more funds to upgrade servers

[0006] 3. When users find that the payment has not been successfully deducted or cannot be paid, they often complain to the operator, resulting in damage to the reputation of the operator company, and the operator needs to invest more customer service costs in handling complaints and mediating users

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