Prepaid card management method and system based on blockchain, equipment and storage medium
A management method and prepaid card technology, applied in the field of prepaid card management, can solve the problems of individual consumer risks
Pending Publication Date: 2021-05-11
HUNAN UNIV
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Problems solved by technology
[0007] The present invention provides a block chain-based prepaid card management method, system, equipment, and computer-readable storage medium to solve the technical problem of prominent individual risks of consumers existing in the traditional prepaid card issuance business model
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[0071] The embodiments of the present invention will be described in detail below with reference to the accompanying drawings, but the present invention can be implemented in various ways defined and covered below.
[0072] Such as figure 2 As shown, the preferred embodiment of the present invention provides a block chain-based prepaid card management method, comprising the following steps:
[0073] Step S1: Build a blockchain network including merchant nodes, consumer nodes, regulator nodes and bank nodes, and configure private data sets and corresponding chain codes for each node;
[0074] Step S2: The merchant node applies for the issuance of a prepaid card on the blockchain, and obtains the card issuance qualification after being approved by the regulatory agency node;
[0075] Step S3: The merchant node calls the smart contract to issue the prepaid card, and the issuance process is uploaded to the blockchain after being endorsed by the merchant node, the regulator node ...
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The invention discloses a prepaid card management method and system based on a blockchain, equipment and a storage medium, the method records the information of the whole process of issuing, consumption and settlement of a prepaid card on the blockchain, so that a consumer can conveniently inquire his / her own information, and based on the characteristic that data on the blockchain cannot be tampered, the problems that in a traditional prepaid card issuing activity, it is possible that a merchant tampers data, and evidence is difficult to obtain when consumption disputes occur are solved. A supervision mechanism is introduced in the prepaid card issuing process, so that the issuing activity of the prepaid card can be better standardized, and the phenomenon that a merchant cannot perform the prepaid card obligation due to poor operation is reduced. Besides, a financial institution is introduced in the prepaid card issuing process and is used for managing prepaid payment which is paid by consumers in advance, and the problem that merchant carry money and run away in the traditional prepaid card issuing activity is solved. Besides, in the process of issuing and using the prepaid card, a private data set is introduced to store the issuing and consumption information of the prepaid card, so that the privacy of merchants and consumers is ensured.
Description
technical field [0001] The present invention relates to the technical field of prepaid card management, in particular, to a blockchain-based prepaid card management method, system, device, and computer-readable storage medium. Background technique [0002] Prepaid Cards can be divided into single-purpose prepaid cards and multi-purpose prepaid cards. Among them, single-purpose prepaid cards refer to those issued by enterprises engaged in retailing, accommodation and catering, and resident services. Prepaid vouchers for payment of goods or services within the enterprise or the group to which the enterprise belongs or within the franchise system of the same brand, including physical cards with magnetic stripe cards, chip cards, paper coupons, etc. etc. as the carrier virtual card. [0003] Such as figure 1 As shown, the traditional prepaid card business process usually only includes two types of roles: consumer and merchant. Consumers choose the prepaid recharge activity th...
Claims
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Login to View More IPC IPC(8): G06Q20/28G06Q20/38G06Q40/04G06F21/64G06F21/60
CPCG06Q20/28G06Q20/382G06Q40/04G06F21/602G06F21/64
Inventor 马超群匡先华米先华周中定李信儒兰秋军万丽
Owner HUNAN UNIV