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Block chain payment method and system and storage medium

A blockchain and payer technology, applied in the payment system, payment system structure, payment circuit, etc., can solve the problems of high cost, long payment path, increase time consumption of cross-border payment, etc., to improve security, avoid Real and reliable effect of loss of funds or property, transfer of information and data

Inactive Publication Date: 2020-11-24
触信(厦门)智能科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

High cost, long payment path, and low payment efficiency; if there is a time difference between the remittance bank and the beneficiary bank and the correspondent bank, or the correspondent bank is on a holiday, the time consumption of cross-border payment will be increased

Method used

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  • Block chain payment method and system and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0031] The embodiment of the present invention provides a block chain payment method, which is applied to the block chain system, and the method includes:

[0032] (1) The payer user creates payment information, and the payment information includes the amount of payment in legal currency or the amount of virtual currency, and the user information of the payee; in the embodiment of the present invention, preferably, the payment information includes the amount of payment in legal currency (RMB) Amount and payee user information;

[0033] The payer user is the payer user, such as a customer or consumer user, and the payee user is a merchant or store user; when the payer user is a customer or a consumer user consumes or purchases goods from a merchant or store user, the payer user needs to Pay the corresponding consumption amount to the payee user;

[0034] (2) Send the payment information to the corresponding payee user through point-to-point communication; the payee user receiv...

Embodiment 2

[0046] The embodiment of the present invention provides a block chain payment method, which is applied to the block chain system, and the method includes:

[0047] (1) The payer user creates payment information, and the payment information includes the payment amount of legal currency or the amount of virtual currency, and the information of the payee user; in the embodiment of the present invention, preferably, the payment information includes the amount of virtual currency and the amount of payment party user information;

[0048] The payer user is the payer user. For example, the payer user is the transfer user, which is used for transfer between users. For example, user A wants to transfer 100 bitcoins to user B, where user A is the transfer user, and user B is payee user;

[0049] (2) Send the payment information to the corresponding payee user through point-to-point communication; the payee user receives the payment information of the payer user;

[0050] (3) The syste...

Embodiment 3

[0061] An embodiment of the present invention provides a block chain payment system, including: a memory, a processor, and computer instructions stored on the memory and run on the processor. When the computer instructions are executed by the processor, , to complete the steps of the blockchain payment method. The steps of the block chain payment method are the same as those in Embodiment 1 and Embodiment 2, and will not be repeated here in this embodiment of the present invention.

[0062] Those skilled in the art will understand that the processor may be a central processing unit (Central Processing Unit, CPU), a controller, a microcontroller, a microprocessor, or other data processing chips; the memory includes but is not limited to a random access memory (Random Access Memory, RAM), flash memory, read-only memory (Read-Only Memory, ROM), programmable read-only memory read-only memory (Read-Only Memory, ROM), volatile memory, non-volatile memory, Serial memory, parallel me...

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PUM

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Abstract

The invention discloses a blockchain payment method and system, and a storage medium. The method comprises the steps that a payer user creates payment information; the payment information is sent to the corresponding payee user in a point-to-point communication mode; the payee user receives payment information of the payer user; the system judges whether the payee user meets a collection conditionor not, and if the payee user meets the collection condition, the payment legal currency amount or the virtual currency amount is transferred to the account of the payee user from the account of thepayer user; otherwise, the account of the payee user cannot receive the amount of the legal currency or the virtual currency transferred by the payer user. The method has the characteristics of safe,quick, real and reliable payment, no tampering and the like.

Description

technical field [0001] The present invention relates to the payment field, in particular to a block chain payment method, system and storage medium. Background technique [0002] Existing financial transfers can conveniently and quickly realize intra-bank transfers and inter-bank transfers. Each needs to have an account and balance in the bank, and transfers through the bank. These are recorded in the banking system, or transferred through a third platform (such as WeChat transfer , Alipay, etc.), which can achieve fast account transfer, and there is basically no need to charge handling fees, etc., which is convenient and fast. These transfer methods are all processed based on the central platform. Once the operation is successful, the transfer is completed. With the rapid development of science and technology, the technology required for financial fraud and crime has also developed together, causing many users to lose funds due to transfers to strange users or disclosure o...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/06G06Q20/22G06Q20/38
CPCG06Q20/065G06Q20/223G06Q20/3827G06Q20/3829
Inventor 吴波
Owner 触信(厦门)智能科技有限公司
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