Prepayment consumption management method and system based on block chain and storage medium

Abstract

The invention discloses a prepayment consumption management method and system based on block chain, and a storage medium. The method comprises the steps of storing prepaid recharge paid by a customerinto a bank public supervision account; recording prepaid recharge information and consumption information paid by the customer through the block chain distributed account book; according to prepaid recharge money information and consumption information recorded on the block chain distributed account book, paying to a merchant for payment and settlement by a bank public supervision account; and according to the business information of the merchant, returning the prepaid surplus money to the customer based on a preset intelligent contract. According to the invention, the characteristics of non-tampering, traceability and verifiability of the block chain are utilized; the advance payment does not need to be stored in the merchant, the possibility that the merchant in the prepaid consumptionservice rolls the money and runs out of the way is eradicated, the transfer demand and the refund demand of the advance payment client can be guaranteed, the consumption safety of the client is improved, and the method can be widely applied to the field of the prepaid consumption service.

Description

technical field [0001] The invention relates to the field of prepaid consumption business, in particular to a block chain-based prepaid consumption management method, system and storage medium. Background technique [0002] Blockchain (Blockchain) is a very impactful and revolutionary Internet technology developed in the past ten years. It can be used to build a self-operating social trust network that does not depend on third parties, and promote the entire society to start value interconnection. . Blockchain technology uses encrypted chain block structure to verify and store data, uses distributed node consensus algorithm to generate and update data, and uses automated script code (smart contract) to program and operate data. A new kind of decentralization Infrastructure and distributed computing paradigm, blockchain has the characteristics of decentralization, non-tampering, traceability, verifiability, and anonymity. [0003] As an advanced marketing model, prepaid mem...

AI Technical Summary

Problems solved by technology

Membership prepaid consumption allows customers to enjoy the benefits of discounts, but it is also often accompanied by many hidden consumption traps. Once they encounter unscrupulous merchants, the original promised discounts will not count, or the service quality will be greatly discounted, or even overnight. Sudden closure of business, businesses disappear, people go to empty buildings, customers can not recover prepaid membership fees, resulting in huge losses

[0006] The reasons for this situation are firstly that customers directly hand over all the prepaid recharge funds to merchants, basically relying on the reputation of merchants to make short promises, and there are no other means to restrict merchants on an equal basis; secondly, there is a lack of technical means to support this membership system Risk prevention for prepaid consumption, to ensure that merchants perform their contracts, and to prevent customers from being scammed by merchants

Images