Prepayment card transaction system and method based on block chain
A prepaid card and transaction system technology, applied in the blockchain field, can solve problems such as unfavorable monitoring, easy to be tampered with forgery, manual auditing, etc., to improve credibility and security, improve operational service capabilities, and save operations cost effect
Pending Publication Date: 2021-01-15
GREAT WALL COMP SOFTWARE & SYST CO LTD
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Problems solved by technology
Although the current prepaid card transaction system technology is relatively mature, there are still some common problems, such as, user transaction information is difficult to check or opaque; merchant transaction reconciliation is difficult or there are many wrong accounts, manual verification is required, and operation and maintenance costs are high ; Centralized data storage, easy to be tampered with forgery, doubtful credibility, and not conducive to monitoring by government regulators
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[0037] Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete and fully convey the concept of example embodiments to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments.
[0038] In addition, the drawings are merely schematic illustrations of embodiments of the present invention and are not necessarily drawn to scale. The same reference numerals in the drawings denote the same or similar parts, and thus repeated descriptions thereof will be omitted. Some of the block diagrams shown in the drawings are functional entities and do not necessarily correspond to physically or logically separate entities.
[0039] In this ...
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The invention relates to a prepayment card transaction system and method based on a block chain. The system comprises: a card making module which is used for issuing a prepayment card to a user and establishing a corresponding prepayment card account; a transaction module which is used for processing prepayment card transaction information generated by the user at the merchant terminal and sendingthe transaction information; a clearing module which is used for clearing and reconciliating the transaction of the merchant according to a preset clearing period; a transaction storage module whichis used for receiving the prepayment card transaction information sent by the transaction module and storing the transaction information, wherein the transaction storage module is used for generatingand storing blocks, and the transaction storage module comprises a node network, a consensus mechanism and a distributed account book; and a data access module which is used for providing a data queryservice based on the block chain for the user. Through a distributed network and a consensus mechanism of the block chain, decentralization and permanence of transaction data storage are achieved, and the transaction data cannot be tampered, so that the purposes of credibility of transaction, no wrong account of transaction and data supervision are achieved.
Description
technical field [0001] The embodiment of the present invention relates to the technical field of block chain, in particular to a prepaid card transaction system and method based on block chain. Background technique [0002] With the continuous development of computer technology and the continuous maturity of third-party payment technology, third-party payment methods using non-cash payment methods have been widely used in popular daily life. Prepaid cards are an important part of third-party payment means, especially in many cities as a city card, and have been widely used in shopping malls, public transportation, public payment, financial services and other fields. Although the current prepaid card transaction system technology is relatively mature, there are still some common problems, such as, user transaction information is difficult to check or opaque; merchant transaction reconciliation is difficult or there are many wrong accounts, manual verification is required, and...
Claims
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IPC IPC(8): G06Q20/06G06Q20/28G06Q20/34G06Q20/38G06Q40/04
CPCG06Q20/065G06Q20/28G06Q20/349G06Q20/3829G06Q40/04
Inventor 陈建宝彭蜀陶振华肖杨
Owner GREAT WALL COMP SOFTWARE & SYST CO LTD