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Fund circulation method, device and system based on block chain

A technology of blockchain and capital, applied in the field of blockchain, it can solve the problems of huge system overhead of blockchain and the inability to support customer needs in performance, and achieve the effect of reducing system overhead.

Pending Publication Date: 2022-06-07
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

The biggest feature of the coin wallet is that the daily receipt and payment transactions are huge and scattered among different payment institutions, so as to realize the centralized processing of funds of multiple payment institutions. If a single-layer blockchain is used to solve the centralization problem, all transactions are uploaded to the chain in real time, and real-time Aggregation, the system overhead of the blockchain will be very huge, and the performance cannot support timely response to customer needs

Method used

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  • Fund circulation method, device and system based on block chain
  • Fund circulation method, device and system based on block chain
  • Fund circulation method, device and system based on block chain

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Embodiment Construction

[0033] The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, but not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

[0034] As will be appreciated by those skilled in the art, embodiments of the present invention may be implemented as a system, apparatus, device, method or computer program product. Accordingly, the present disclosure may be embodied in entirely hardware, entirely software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0035] In view of the fact that the current system overhead ...

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Abstract

The invention provides a fund circulation method, device and system based on a block chain, belongs to the technical field of block chains, and can be applied to the technical field of finance or other technical fields. The fund circulation method based on the block chain is applied to a block chain platform, and comprises the following steps: receiving income and expenditure transaction data from each payment terminal, and determining customer aggregation data according to customer information in the income and expenditure transaction data; performing aggregation processing on the income and expenditure transaction data according to the customer aggregation data, the response time of each payment terminal and the customer information; and sending the aggregated income and expenditure transaction data to a corresponding fund channel end and a fund storage end, so that the fund channel end and the fund storage end update corresponding account data according to the income and expenditure transaction data. According to the method, the system overhead can be reduced to the greatest extent through secondary aggregation and intelligent contract technologies, and free circulation of change funds is realized.

Description

technical field [0001] The present invention relates to the technical field of blockchain, and in particular, to a method, device and system for capital flow based on blockchain. Background technique [0002] With the continuous development of Internet business, third-party payment institutions have gradually emerged, and some of the third-party payment institutions have retained funds, most of which are stored in customers' wallets in the form of change. The biggest feature of the coin wallet is that the daily transaction volume is huge and scattered in different payment institutions, realizing the centralized processing of funds of multiple payment institutions. If a single-layer blockchain is used to solve the problem of centralization, all transactions will be uploaded in real time Aggregation, the system overhead of the blockchain will be very huge, and the performance cannot support timely response to customer needs. SUMMARY OF THE INVENTION [0003] The main purpos...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02G06Q20/38G06Q40/04
CPCG06Q20/02G06Q20/389G06Q40/04
Inventor 王丽丽文晋京殷丹阳胡屹
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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