Prepaid card fund supervision method and system based on block chain

A prepaid card and blockchain technology, applied in prepayment schemes, payment schemes/models, data processing applications, etc., can solve problems such as the inability to meet the full coverage of supervision, reduce information transmission time and labor costs, and improve supervision efficiency , the effect of improving synergy efficiency

Pending Publication Date: 2022-07-01
江苏省联合征信有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the current supervision of prepaid card funds only pays attention to the total amount of funds, and the regulatory authorities can only conduct proactive or event-driven fund supervision analysis on prepaid card issuers, which cannot meet the needs of "full coverage of supervision"

Method used

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  • Prepaid card fund supervision method and system based on block chain
  • Prepaid card fund supervision method and system based on block chain
  • Prepaid card fund supervision method and system based on block chain

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Embodiment Construction

[0057] The technical solutions provided by the present invention will be described in detail below with reference to specific embodiments. It should be understood that the following specific embodiments are only used to illustrate the present invention and not to limit the scope of the present invention. Additionally, the steps shown in the flowcharts of the figures may be performed in a computer system, such as a set of computer-executable instructions, and, although shown in a logical order in the flowcharts, in some cases, may be executed differently The steps shown or described are performed in the order shown herein.

[0058] The capital supervision business framework for realizing the present invention includes four layers, such as figure 1 As shown, from bottom to top are the blockchain layer, data layer, service layer, and user layer. The blockchain layer includes building a blockchain and putting capital data assets on the chain; the data layer includes but is not li...

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Abstract

The invention discloses a block chain-based prepaid card fund supervision method and system. The method comprises the steps of establishing a block chain supervision platform and deploying nodes; building a fund supervision three-level account system; collecting fund data of operators and consumers; capital data assets are chained; reconciliation and transfer are carried out on the fund information; and fund supervision schemes of different scenes are implemented. The invention provides a fund supervision scheme, after an operator, a fund supervision mechanism and a bank sign a fund collection protocol, a three-level account system is established, fund data collection and summarization are completed, and account checking and payment are carried out on fund information. Based on a fund supervision scheme, a chain-based fund data sharing center is created, and the whole-process management of prepaid card fund before, during and after the event is realized.

Description

technical field [0001] The invention belongs to the technical field of computer software, relates to block chain technology, and in particular relates to a method and system for supervising funds of a prepaid card based on block chain. Background technique [0002] A prepaid card refers to a prepaid certificate issued by a card issuer through a specific carrier and form for the purpose of profit, which can be used to purchase goods or services in a specific institution. the creditor's rights to the issuer. [0003] Prepaid cards have been widely used in economic and social life, and have played a positive role in reducing the use of cash, facilitating the public and stimulating consumption. However, there are also some prominent problems, such as lack of effective supervision and management of card issuers, lack of guarantee of prepaid funds management and control, and insufficient tracking and understanding of business development. These problems will lead to potential fin...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/28G06Q50/20G06F16/27
CPCG06Q20/28G06Q50/205G06F16/27
Inventor 黄乐平高靖帷叶俊陈康薛大松徐彦武
Owner 江苏省联合征信有限公司
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