Electronic credit card transaction method based on block chain

Abstract

The invention discloses a credit card transaction method based on a block chain, which comprises a seller node, a buyer node and an electronic credit card operator node, and develops a transaction method capable of accurately tracing the state of each credit card so as to obtain the credit condition of the node by combining a block chain technology and an existing credit card technology. Further,when the buyer node or the seller node is learned to be dishonest, the electronic credit card operator node broadcasts the dishonest node information in the blockchain system; after three times of default, the electronic credit card operator node clears the node out of the blockchain internal chain, cancels the nodes in the blockchain and records the real names of the nodes in a dishonest list; according to the method, the transparency of the integrity of each node of the blockchain internal chain is improved, and the health and cleanness of the blockchain system environment are maintained, sothat the transaction security in the system is ensured, a guarantee is provided for credit card cashing, and the benefits of electronic credit card operator nodes are maintained.

Description

technical field [0001] The invention relates to the technical field of block chains, in particular to an electronic letter of credit transaction method based on block chains. Background technique [0002] Letter of credit is the main means of payment in current trade. In the process of operation, the form of letter of credit is also changing with the electronicization of trade, that is, from traditional paper letter of credit to online letter of credit and then to electronic letter of credit. [0003] At present, there are mainly two types of subjects in the electronic letter of credit business in the world, namely various commercial banks and some e-commerce companies. Today, with the rapid development of consumption patterns on various e-commerce platforms, the rise of electronic letters of credit has brought great convenience to modern people's consumption payments, and has reversely promoted and promoted the prosperity of e-commerce models. When the repayment or payment...

AI Technical Summary

Problems solved by technology

Today, with the rapid development of consumption patterns on various e-commerce platforms, the rise of electronic letters of credit has brought great convenience to modern people's consumption payments, and has reversely promoted and promoted the prosperity of e-commerce models. When the repayment or payment cannot be made due to reasons such as risk control fraud, it is easy to cause very large risks and very bad effects

[0004] The above phenomena are mainly due to unequal information between parties to the transaction, opaque data, low mutual trust, and cumbersome cooperation processes. Traditional centralized systems are difficult to solve these industry pain points. At present, it is necessary to provide a technology that can ensure the correctness of information for all parties. and integrity, can accurately trace the status of each electronic letter of credit information, ensure the security of the transaction, and safeguard the interests of all parties to the transaction and the issuer of the electronic letter of credit

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