Credit card cross-bank repayment method and device based on block chain

Abstract

The invention discloses a credit card cross-bank repayment method and device based on a block chain, and relates to the technical field of block chains, and the method comprises the steps: collecting credit card account information and deposit card account information of a credit card user; storing the credit card account information and the deposit card account information of the credit card user in a block chain network; collecting consumption record information of the credit card user according to credit card account information of the credit card user stored in the block chain network; according to the consumption record information of the credit card user, generating repayment detail information of the credit card user, and storing the repayment detail information to a block chain network; and determining one or more deposit cards according to the repayment detail information, the credit card account information and the deposit card account information of the credit card user stored in the block chain network, and repayment the credit card to be repaid. According to the invention, inter-bank repayment of the credit card can be realized, so that the problem of credit card repayment failure caused by insufficient balance of a single deposit card is avoided.

Description

technical field [0001] The present invention relates to the technical field of block chain, in particular to a method and device for cross-bank credit card repayment based on block chain. Background technique [0002] This section is intended to provide a background or context to embodiments of the invention that are recited in the claims. The descriptions herein are not admitted to be prior art by inclusion in this section. [0003] Due to the characteristics of credit cards that can be consumed in advance and repaid later, more and more users use credit cards for consumption, and some users may even have more than one credit card. Whether the credit card is repaid on time will affect the user's credit record. Therefore, how to ensure the user's credit card repayment on time is an urgent problem to be solved. [0004] At present, the credit card systems of each bank are independent of each other, so that users cannot make cross-bank repayments. If you apply for a credit c...

AI Technical Summary

Problems solved by technology

[0005] The embodiment of the present invention provides a block chain-based credit card cross-bank repayment method to solve the technical problem in the prior art that the credit card systems of each bank are independent and cannot realize cross-bank repayment, making credit card repayment failure easy. The method includes: collecting credit card account information and savings card account information of credit card users; storing credit card account information and savings card account information of credit card users on a block chain network; information, collect the consumption record information of credit card users; generate the repayment details of credit card users according to the consumption records of credit card users, and store them on the blockchain network; according to the repayment details of credit card users stored on the blockchain network , credit card account information and savings card account information, determine one or more savings cards, and repay the credit card to be repaid

[0006] The embodiment of the present invention also provides a block chain-based credit card cross-bank repayment device, which is used to solve the technical problem in the prior art that the credit card systems of each bank are independent, and cross-bank repayment cannot be realized, making credit card repayment easy to fail. The device includes: an account information collection module for collecting credit card account information and savings card account information of credit card users; an account information block chain storage module for storing credit card account information and savings card account information of credit card users in the area On the block chain network; the consumption information acquisition module is used to collect the consumption record information of the credit card user according to the credit card account information of the credit card user stored on the block chain network; the credit card repayment information generation module is used to collect the consumption record information of the credit card user information, generate credit card user's repayment details, and store them on the block chain network; credit card repayment business transaction module, used to store the credit card user's repayment details, credit card account information and savings card information on the block chain network Account information, determine one or more savings cards, and repay the credit card to be repaid

[0007] The embodiment of the present invention also provides a computer device to solve the technical problem in the prior art that the credit card systems of each bank are independent, and cross-bank repayment cannot be realized, which makes the credit card repayment easy to fail. The computer device includes a memory, a processor and a computer program that is stored on the memory and can run on the processor, when the processor executes the computer program, the above-mentioned block chain-based credit card cross-bank repayment method is realized

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