A method and system for mobile payment of a business
By generating digital credentials and smart contracts through artificial intelligence, and combining them with consortium blockchains and payment clearing networks, the compliance and security issues of enterprise payment systems are resolved, enabling mobile enterprise payments and expanding merchant coverage.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- CHINA UNIONPAY
- Filing Date
- 2025-12-18
- Publication Date
- 2026-05-29
AI Technical Summary
In existing corporate payment systems, there are internal control and compliance challenges in enterprises prepaying funds to third-party accounts. Payment institutions building their own networks raises questions about compliance, making it difficult to guarantee payment security. Furthermore, the coverage of merchants is limited, resulting in a poor service experience.
By using artificial intelligence to generate digital credentials and smart contracts, separating authorization and payment through a consortium blockchain, and using a payment clearing network to verify and execute payment requests, the system enables mobile and secure enterprise payments.
It has improved the security and compliance of enterprise payments, expanded the coverage of merchants, enhanced the payment experience, and enabled cross-bank interoperability.
Smart Images
Figure CN122114905A_ABST
Abstract
Description
Technical Field
[0001] This invention relates to the field of enterprise mobile payment, specifically to an enterprise mobile payment method and an enterprise mobile payment system. Background Technology
[0002] After years of development, the personal payment sector has matured in terms of payment solutions and products. In the corporate payment sector, traditional payment methods such as bank transfers, corporate online banking, and entrusted collection are mainly relied upon to meet the large-amount, periodic payment needs of enterprises for procurement and fund transfers.
[0003] In the daily operations and production processes of enterprises (typical scenarios such as business travel, vehicle use, meals, and small-amount purchases), there are common payment scenarios where companies fund and entrust individuals to make purchases on official business and make payments. These payment needs are characterized by dispersed payers, high-frequency transactions, small transaction amounts, mobile nature, and a wide distribution of receiving merchants. Currently, there is no mature and unified standard payment model to address these enterprise payment needs.
[0004] In existing technologies, payment institutions and industry service providers construct a two-tiered virtual account system for enterprises and employees based on ACS accounts and their corporate accounts. Enterprises transfer funds from their bank settlement accounts to the payment institution's or industry service provider's corporate accounts, completing the pre-charging of the enterprise's virtual sub-accounts. The enterprise then allocates funds to corresponding employee sub-accounts under the enterprise account based on business expenditure needs. When employees purchase goods or services from online and offline merchants expanded by the payment institution or industry service provider, they use their employee account balances to complete the payment; funds are deducted from the enterprise account and settled to the merchant.
[0005] The existing technology presents challenges in terms of internal control, compliance, and auditing when enterprises prepay funds to third-party accounts. The compliance of payment institutions and industry service providers who independently build closed-loop enterprise payment account systems, acceptance networks, and fund settlement systems is questionable. Furthermore, operating outside of commercial banks, clearing institutions, and regulatory frameworks, with enterprise payment accounts, transaction authentication, and fund clearing all controlled by payment institutions and industry service providers, the financial risks and payment security of enterprises are difficult to guarantee. Simultaneously, the personalized enterprise payment networks built by payment institutions and industry service providers are not universally interconnected, have limited merchant coverage, and offer poor service experiences, failing to meet the payment needs of enterprises. Summary of the Invention
[0006] In order to solve the problems in the prior art, the present invention aims to provide an enterprise mobile payment method and enterprise mobile payment system that can separate authorization and payment and realize mobile payment.
[0007] The enterprise mobile payment method of this invention is implemented by at least an enterprise user terminal, an artificial intelligence agent, a consortium blockchain, an individual user terminal, and a payment clearing network, and the enterprise mobile payment method includes the following steps: Enterprise users send enterprise payment information to the AI entity; The AI agent generates digital credentials and smart contracts corresponding to the enterprise's payment information based on the enterprise's payment information; The AI agent publishes the digital credentials and the smart contract on the consortium blockchain; The individual user obtains the digital credentials from the consortium blockchain and initiates a payment request based on the digital credentials; and The payment clearing network verifies the payment request based on digital credentials and smart contracts issued on the consortium blockchain and executes the payment operation if the verification is successful.
[0008] Optionally, the AI agent generates digital credentials and smart contracts corresponding to the enterprise's payment information based on the enterprise's payment information, including: The AI agent collects the enterprise's payment information through interaction with the enterprise's user terminal; and Based on the collected enterprise payment information, digital credentials and smart contracts corresponding to the enterprise payment information are generated.
[0009] Optionally, the AI agent performs the collection of enterprise payment information through interaction with the enterprise user terminal, including: The artificial intelligence agent uses a natural language processing model to collect the enterprise's payment information.
[0010] Optionally, the AI agent uses a natural language processing model to collect the enterprise's payment information, including: The enterprise payment information is parsed into a structured parameter set using a natural language processing model.
[0011] Optionally, generating digital credentials and smart contracts corresponding to the enterprise payment information based on the enterprise payment information includes: Based on the structured parameter set, a unique digital credential is generated using a preset enterprise payment data model; and Based on the structured parameters, a smart contract is generated using a preset code generation model.
[0012] Optionally, the digital credentials include at least: a payment token containing corporate payment account information, and authorized personal user information authorizing the personal user terminal to make the payment. The smart contract includes at least: payment control information for managing the scope of enterprise payments.
[0013] Optionally, the payment token number is generated by tokenizing the enterprise's payment account information.
[0014] Optionally, the payment clearing network verifies the payment request based on digital credentials and smart contracts published on the consortium blockchain, including: Verify whether the digital credentials in the payment request are consistent with the digital credentials published on the consortium blockchain; and Verify whether the payment request conforms to the payment control information in the smart contract published on the consortium blockchain.
[0015] Optionally, the enterprise payment information includes: enterprise payment account information, authorized personal user information, authorized validity period, authorized payment merchant range, and authorized payment limit.
[0016] Optionally, the individual user client obtains the digital credentials from the consortium blockchain by: The individual user terminal obtains the digital credentials from the consortium blockchain based on the authorized individual user information; and The digital credentials are then linked to the individual user's client.
[0017] The enterprise mobile payment system of this invention comprises at least an enterprise user terminal, an artificial intelligence agent, a consortium blockchain, an individual user terminal, and a payment clearing network. The enterprise user terminal is used to send enterprise payment information to the artificial intelligence agent. The artificial intelligence agent is used to generate digital credentials and smart contracts corresponding to the enterprise payment information based on the enterprise payment information and to publish the digital credentials and smart contracts on the consortium blockchain. The individual user terminal obtains the digital credentials from the consortium blockchain and initiates a payment request based on the digital credentials. The payment clearing network verifies the payment request based on the digital credentials and smart contracts published on the consortium blockchain and executes the payment operation if the verification is successful.
[0018] Optionally, the artificial intelligence agent includes: The human-computer interaction module is used to interact with the enterprise user terminal to collect the enterprise's payment information; The data processing module is used to organize the collected enterprise payment information to form a description of payment needs; A digital credential generation module is used to generate digital credentials based on the payment requirement description; The smart contract generation module is used to generate a smart contract based on the payment requirement description; The on-chain publishing module is used to publish the digital credentials and smart contracts on the consortium blockchain.
[0019] Optionally, the human-computer interaction module uses a natural language processing model to collect the enterprise's payment information.
[0020] Optionally, the digital credential generation module generates a unique digital credential based on the payment requirement description using a preset enterprise payment data model.
[0021] Optionally, the smart contract generation module generates a smart contract based on the payment demand description using a preset code generation model.
[0022] Optionally, the digital credentials include at least: a payment token containing corporate payment account information, and authorized personal user information authorizing the personal user terminal to make the payment. The smart contract includes at least: payment control information for managing the scope of enterprise payments.
[0023] Optionally, the payment token number is generated by tokenizing the enterprise's payment account information.
[0024] Optionally, the payment clearing network includes: The verification module is used to verify whether the digital credentials in the payment request are consistent with the digital credentials published on the consortium blockchain and whether the payment request conforms to the payment control information in the smart contract published on the consortium blockchain; and The payment processing module is used to perform payment operations if the verification module successfully verifies the payment.
[0025] Optionally, the enterprise payment information includes: enterprise payment account information, authorized personal user information, authorized validity period, authorized payment merchant range, and authorized payment limit.
[0026] Optionally, the on-chain publishing module uses blockchain technology to encapsulate the digital credentials and the smart contract into a blockchain transaction and send it to the consortium blockchain.
[0027] The present invention provides a computer-readable medium having a computer program stored thereon, which, when executed by a processor, implements the aforementioned enterprise mobile payment method.
[0028] A computer device according to one aspect of the present invention includes a storage module, a processor, and a computer program stored on the storage module and executable on the processor, wherein the processor executes the computer program to implement the enterprise mobile payment method.
[0029] A computer program product according to one aspect of the present invention includes a computer program that, when executed by a processor, implements the aforementioned enterprise mobile payment method. Attached Figure Description
[0030] The described and other objects and advantages of the invention will become more fully clear from the following detailed description taken in conjunction with the accompanying drawings, wherein like or similar elements are denoted by the same reference numerals.
[0031] Figure 1 This is a flowchart illustrating a mobile payment method for enterprises according to an embodiment of the present invention.
[0032] Figure 2 This is a structural block diagram illustrating an embodiment of the enterprise mobile payment system of the present invention.
[0033] Figure 3 This is a schematic diagram illustrating the structure of an artificial intelligence entity according to an embodiment of the present invention. Detailed Implementation
[0034] The following are some embodiments of the present invention, intended to provide a basic understanding of the invention. They are not intended to identify key or decisive elements of the invention or to limit the scope of protection sought.
[0035] For the purposes of brevity and illustrativeness, the principles of the invention are described herein primarily with reference to exemplary embodiments. However, those skilled in the art will readily recognize that the same principles are equivalently applicable to all types of QR code payment methods and systems in low-light environments according to the present invention, and that these same principles can be implemented therein, with any such variations not departing from the true spirit and scope of the invention.
[0036] Furthermore, reference is made in the following description to the accompanying drawings, which illustrate specific exemplary embodiments. Electrical, mechanical, logical, and structural modifications may be made to these embodiments without departing from the spirit and scope of the invention. Moreover, while features of the invention are disclosed in conjunction with only one of several embodiments, this feature may be combined with one or more other features of other embodiments if desired and / or advantageous for any given or identifiable function. Therefore, the following description should not be considered limiting in any sense, and the scope of the invention is defined by the appended claims and their equivalents.
[0037] Terms such as “possessing” and “comprising” indicate that, in addition to having units (modules) and steps that are directly and explicitly stated in the specification and claims, the technical solution of the present invention does not exclude the presence of other units (modules) and steps that are not directly or explicitly stated.
[0038] Figure 1 This is a flowchart illustrating a mobile payment method for enterprises according to an embodiment of the present invention.
[0039] like Figure 1As shown, an embodiment of the enterprise mobile payment method of the present invention is implemented by an enterprise user terminal, an individual user terminal, a merchant acquiring institution (hereinafter also referred to as an acquiring institution), a personal intelligent agent, a consortium blockchain, a payment clearing network, and an enterprise account bank. The method includes the following steps: Step S1-1: Enterprise managers input their business payment needs through enterprise mobile banking and other enterprise user terminals, and clarify the business payment needs information such as payment account, authorized user, authorized personal mobile wallet that can be bound, authorized valid time range, payment merchant range, and authorized payment amount through interaction with the intelligent agent; Steps 1-2: The intelligent agent performs human-computer interaction based on the NLP model to complete the collection, sorting and confirmation of enterprise payment needs, create digital credentials based on the enterprise payment data model, and generate enterprise payment control smart contracts based on the code generation model; Steps 1-3: The smart agent publishes the digital credentials and payment control smart contract on the clearing organization and the inter-account consortium blockchain; Step 2-1: Enterprise employees log in to their personal mobile wallets, query the consortium blockchain for enterprise-authorized digital credentials based on their personal information, and complete the authentication and binding of their personal mobile wallets for payment. Step 3-1: When purchasing goods or services from authorized merchants for official expenses, employees use their personal wallets to verify their identity and payment intentions, and then choose to pay with digital credentials displayed on their QR codes. Step 3-2: After scanning the digital credential payment code, the merchant initiates a transaction request to the clearing institution through the acquiring institution; Step 3-3: The clearing institution checks and verifies the consistency between the digital credential information in the transaction request and the digital credential information in the consortium blockchain, and enters the transaction information to execute the smart contract in the consortium blockchain to verify whether it complies with the enterprise payment control rules; Steps 3-4: After the clearing institution verifies the digital credentials and the enterprise's payment control information, the payment token number in the digital credentials is restored to the payer's account information, and the transaction request is transferred to the account bank based on the enterprise's account information; Steps 3-5: The account bank verifies the consistency between the digital credential information in the transaction request and the digital credential information in the consortium blockchain, enters the transaction information, executes the smart contract in the consortium blockchain, verifies the enterprise payment control rules and updates the digital credential information, and simultaneously deducts the payment transaction funds from the enterprise account to complete the enterprise payment transaction authorization; Steps 3-6 and 3-7: The account bank notifies the acquiring institution, merchant, and individual user mobile wallet of the transaction results through the clearing institution; Steps 3-8: Enterprise administrators can manage employees' digital credentials through the enterprise user terminal and query enterprise account payment transaction details and account balance.
[0040] According to an embodiment of the enterprise mobile payment method of the present invention, enterprise managers plan their business expenditure needs, log in to the enterprise user terminal provided by the commercial bank system, and input information such as payment account, payment authorization implementer, payment authorization scope, personal wallet that can be bound to payment, payment limit, and authorization validity period. After completing the enterprise identity and intention, they initiate enterprise payment authorization. The commercial bank system forwards the enterprise payment authorization information to the artificial intelligence agent and publishes the payment authorization information. The artificial intelligence agent uses artificial intelligence, blockchain, tokenization and other technologies to persist and digitize the enterprise payment authorization information, create digital credentials, generate payment "control" smart contracts, and publish them on the blockchain to the consortium blockchain between the clearing institution, commercial bank, and personal wallet institution, forming a shared "cloud" resource in the payment clearing network. The authorized payer logs in to the personal user mobile wallet "terminal" system, i.e., the personal user terminal, retrieves and binds the digital credentials from the "cloud" terminal, purchases goods within the scope of the enterprise's authorized merchants, and makes payments using the digital credentials bound to the personal wallet. The transaction is transferred to the enterprise's account bank through the clearing institution's payment network. The payment clearing network, based on cloud resources, executes smart contracts to verify digital credential information and payment control rules. Corporate account banks, also based on cloud resources, execute smart contracts to verify digital credential information and apply payment control rules before authorizing transactions. Funds are disbursed from commercial bank corporate accounts in real time and cleared to merchants or acquiring institutions through the payment clearing network.
[0041] In this way, by applying technologies such as artificial intelligence, blockchain, and tokenization, the authorization process of enterprise payment is separated from the payment implementation process. The authorization process verifies the enterprise's payment intention, persists the enterprise's payment needs, and establishes control rules and publishes payment authorization requirements based on the needs. The payment implementation process is mobile, verifies the enterprise's payment needs, the identity of the authorizing implementer, and the payment implementation intention, and links payment authorization and payment implementation through a penetrating connection, thus innovating an enterprise mobile payment model that balances security and convenience.
[0042] Moreover, this invention applies technologies such as artificial intelligence, blockchain, and tokenization to interact, collect, and confirm enterprise payment needs and control requirements, automatically create smart contracts for payment control rules, convert them into unified digital information, complete the on-chain release of the consortium blockchain, and enable cross-bank networking and universal use in financial infrastructure such as enterprise user terminals, individual user terminals, payment clearing networks, and enterprise account banks.
[0043] Figure 2 This is a structural block diagram illustrating an embodiment of the enterprise mobile payment system of the present invention.
[0044] like Figure 2As shown, an embodiment of the enterprise mobile payment system of the present invention includes: an enterprise user terminal 100, an individual user terminal 200, an artificial intelligence agent 300, a consortium blockchain 400, a payment clearing network 500, an acquiring institution 600, and an enterprise customer bank 700.
[0045] The system comprises the following components: Enterprise user terminal 100 sends enterprise payment information to the AI agent 300, which generates digital credentials and a smart contract corresponding to the enterprise payment information and publishes these credentials and the smart contract on the consortium blockchain 400. Individual user terminal 200 obtains digital credentials from the consortium blockchain 400 and initiates a payment request to the payment clearing network acquiring institution 600 based on these credentials. The acquiring institution 600 forwards the payment request to the payment clearing network 500. The payment clearing network 500 verifies the payment request based on the digital credentials and smart contract published on the consortium blockchain 400 and executes the payment operation if verification is successful.
[0046] Figure 3 This is a schematic diagram illustrating the structure of an artificial intelligence entity according to an embodiment of the present invention.
[0047] like Figure 3 As shown, an artificial intelligence agent 300 according to one embodiment of the present invention includes: The human-computer interaction module 310 is used to interact with the enterprise user terminal to collect the enterprise's payment information; Data processing module 320 is used to sort out the collected enterprise payment information to form a payment demand description; Digital credential generation module 330 is used to generate digital credentials based on the payment requirement description; The smart contract generation module 340 is used to generate a smart contract based on the payment requirement description; The on-chain publishing module 350 is used to publish the digital credentials and smart contracts on the consortium blockchain.
[0048] The human-computer interaction module 310 uses a natural language processing model to collect the enterprise's payment information.
[0049] Specifically, the human-computer interaction module 310 is responsible for interacting with enterprise managers, understanding and collecting the enterprise's business payment needs through natural language processing (NLP) technology, i.e., collecting enterprise payment information. Enterprise managers can input business payment needs information such as payment account, authorized user, authorized linked personal mobile wallet, authorized valid time range, payment merchant range, and authorized payment amount through the enterprise user terminal 100, such as the enterprise mobile banking app. For example, an NLP model can be used to parse the user's input natural language, extract key information, and transform it into structured payment demand data.
[0050] The data processing module 320 sorts and confirms the collected enterprise payment requests to ensure their accuracy and completeness. For example, it verifies and adjusts the request data according to preset business logic and rules to generate payment request data that meets system requirements. As an example, the collected request data can be automatically processed and verified through algorithms and rule engines to eliminate redundancy and errors, forming a clear and consistent description of payment requests.
[0051] The digital credential generation module 330 generates digital credentials based on the reviewed and confirmed enterprise payment requirements. These digital credentials are a digital representation of the enterprise's payment authorization and contain key payment information such as the payment account, authorized user, and payment limit. As an example, encryption technology and digital signature algorithms can be used to generate secure and tamper-proof digital credentials.
[0052] Among them, the smart contract generation module 340 automatically generates smart contracts for enterprise payment control based on enterprise payment needs and data models. Through code generation technology, it transforms enterprise payment control rules into executable smart contract code and deploys it on the consortium blockchain 400.
[0053] The on-chain publishing module 350 is responsible for publishing the generated digital credentials and smart contracts onto the consortium blockchain 400 between the clearing institution and the account banks. The consortium blockchain 400 is a blockchain network jointly maintained by multiple organizations or institutions, enabling data sharing and verification. As an example, digital credentials and smart contracts are encapsulated into blockchain transactions using blockchain technology and sent to the consortium blockchain network 400.
[0054] The digital credentials include at least: a payment token containing corporate payment account information and authorized personal user information authorizing the personal user terminal to make the payment; the smart contract includes at least: payment control information for managing the scope of corporate payments. The payment token number is generated by tokenizing the corporate payment account information.
[0055] The payment clearing network 500 may include: a verification module, used to verify whether the digital credentials in the payment request are consistent with the digital credentials published on the consortium blockchain and to verify whether the payment request conforms to the payment control information in the smart contract published on the consortium blockchain; and a payment processing module, used to execute the payment operation if the verification module successfully verifies the payment.
[0056] As described above, the enterprise mobile payment method and system according to the present invention can improve transaction security through a three-level verification mechanism (authorization layer, transaction layer, and settlement layer). Specifically, at the authorization layer, when an enterprise initiates payment authorization through its enterprise mobile banking, it needs to complete authentication to ensure the authenticity of the operation intention. At the transaction layer, when a personal wallet makes a payment, the clearing institution verifies the validity of the digital credentials through the consortium blockchain and executes smart contract control rules (such as single transaction limits and merchant whitelists). At the settlement layer, the account bank performs a second verification to confirm the consistency between the transaction information and the consortium blockchain data.
[0057] Furthermore, the enterprise mobile payment method and enterprise mobile payment system according to the present invention fully utilize the immutability of blockchain, and all payment authorization information and smart contract execution records are stored on the chain, which can prevent illegal theft or unauthorized modification.
[0058] The present invention provides a computer-readable medium having a computer program stored thereon, which, when executed by a processor, implements the aforementioned enterprise mobile payment method.
[0059] The present invention provides a computer-readable medium having a computer program stored thereon, including a storage module, a processor, and a computer program stored on the storage module and executable on the processor, wherein the processor executes the computer program to implement the enterprise mobile payment method.
[0060] The present invention provides a computer program product, including a computer program that, when executed by a processor, implements the aforementioned enterprise mobile payment method.
[0061] The above are merely specific embodiments of the present invention, but the scope of protection of the present invention is not limited thereto. Those skilled in the art can conceive of other feasible variations or substitutions based on the technical scope disclosed in the present invention, and such variations or substitutions are all covered within the scope of protection of the present invention. Where there is no conflict, the embodiments of the present invention and the features thereof can also be combined with each other. The scope of protection of the present invention is determined by the claims.
Claims
1. A mobile payment method for enterprises, comprising at least an enterprise user terminal, an artificial intelligence agent, a consortium blockchain, an individual user terminal, and a payment clearing network, characterized in that, The enterprise mobile payment method includes the following steps: Enterprise users send enterprise payment information to the AI entity; The AI agent generates digital credentials and smart contracts corresponding to the enterprise's payment information based on the enterprise's payment information; The AI agent publishes the digital credentials and the smart contract on the consortium blockchain; The individual user obtains the digital credentials from the consortium blockchain and initiates a payment request based on the digital credentials; and The payment clearing network verifies the payment request based on digital credentials and smart contracts issued on the consortium blockchain and executes the payment operation if the verification is successful.
2. The enterprise mobile payment method as described in claim 1, characterized in that, The AI agent generates digital credentials and smart contracts corresponding to the enterprise's payment information based on the enterprise's payment information, including: The AI agent collects the enterprise's payment information through interaction with the enterprise's user terminal; and Based on the collected enterprise payment information, digital credentials and smart contracts corresponding to the enterprise payment information are generated.
3. The enterprise mobile payment method as described in claim 2, characterized in that, The AI agent performs the collection of enterprise payment information through interaction with the enterprise user terminal, including: The artificial intelligence agent uses a natural language processing model to collect the enterprise's payment information.
4. The enterprise mobile payment method as described in claim 2, characterized in that, The AI agent uses a natural language processing model to collect the enterprise's payment information, including: The enterprise payment information is parsed into a structured parameter set using a natural language processing model.
5. The enterprise mobile payment method as described in claim 4, characterized in that, The process of generating digital credentials and smart contracts corresponding to the enterprise payment information based on the enterprise payment information includes: Based on the structured parameter set, a unique digital credential is generated using a preset enterprise payment data model; and Based on the structured parameters, a smart contract is generated using a preset code generation model.
6. The enterprise mobile payment method as described in claim 5, characterized in that, The digital credentials include at least: a payment token containing corporate payment account information, and authorized personal user information authorizing the personal user terminal to make the payment. The smart contract includes at least: payment control information for managing the scope of enterprise payments.
7. The enterprise mobile payment method as described in claim 6, characterized in that, The payment tag number is generated by tokenizing the enterprise's payment account information.
8. The enterprise mobile payment method as described in claim 7, characterized in that, The payment clearing network verifies the payment request based on digital credentials and smart contracts published on the consortium blockchain, including: Verify whether the digital credentials in the payment request are consistent with the digital credentials published on the consortium blockchain; and Verify whether the payment request conforms to the payment control information in the smart contract published on the consortium blockchain.
9. The enterprise mobile payment method as described in claim 8, characterized in that, The enterprise payment information includes: enterprise payment account information, authorized personal user information, authorized validity period, authorized payment merchant range, and authorized payment limit.
10. The enterprise mobile payment method as described in claim 9, characterized in that, The individual user client obtains the digital credentials from the consortium blockchain in the following ways: The individual user terminal obtains the digital credentials from the consortium blockchain based on the authorized individual user information; and The digital credentials are then linked to the individual user's client.
11. A mobile payment system for enterprises, comprising at least an enterprise user terminal, an artificial intelligence agent, a consortium blockchain, an individual user terminal, and a payment clearing network, characterized in that, The enterprise user terminal is used to send enterprise payment information to the AI entity. The AI agent is used to generate digital credentials and smart contracts corresponding to the enterprise's payment information based on the enterprise's payment information, and to publish the digital credentials and smart contracts on the consortium blockchain. The individual user client obtains the digital credentials from the consortium blockchain and initiates a payment request based on the digital credentials. The payment clearing network verifies the payment request based on digital credentials and smart contracts published on the consortium blockchain and executes the payment operation if the verification is successful.
12. The enterprise mobile payment system as described in claim 11, characterized in that, The artificial intelligence agent includes: The human-computer interaction module is used to interact with the enterprise user terminal to collect the enterprise's payment information; The data processing module is used to organize the collected enterprise payment information to form a description of payment needs; A digital credential generation module is used to generate digital credentials based on the payment requirement description; A smart contract generation module is used to generate a smart contract based on the payment requirement description. The on-chain publishing module is used to publish the digital credentials and smart contracts on the consortium blockchain.
13. The enterprise mobile payment system as described in claim 12, characterized in that, The human-computer interaction module uses a natural language processing model to collect the enterprise's payment information.
14. The enterprise mobile payment system as described in claim 12, characterized in that, The digital credential generation module generates unique digital credentials based on the payment requirement description and using a preset enterprise payment data model.
15. The enterprise mobile payment system as described in claim 14, characterized in that, The smart contract generation module generates a smart contract based on the payment requirement description using a preset code generation model.
16. The enterprise mobile payment system as described in claim 15, characterized in that, The digital credentials include at least: a payment token containing corporate payment account information, and authorized personal user information authorizing the personal user terminal to make the payment. The smart contract includes at least: payment control information for managing the scope of enterprise payments.
17. The enterprise mobile payment system as described in claim 16, characterized in that, The payment tag number is generated by tokenizing the enterprise's payment account information.
18. The enterprise mobile payment system as described in claim 17, characterized in that, The payment clearing network includes: The verification module is used to verify whether the digital credentials in the payment request are consistent with the digital credentials published on the consortium blockchain and whether the payment request conforms to the payment control information in the smart contract published on the consortium blockchain; and The payment processing module is used to perform payment operations if the verification module successfully verifies the payment.
19. The enterprise mobile payment system as described in claim 18, characterized in that, The enterprise payment information includes: enterprise payment account information, authorized personal user information, authorized validity period, authorized payment merchant range, and authorized payment limit.
20. The enterprise mobile payment system as described in claim 9, characterized in that, The on-chain publishing module uses blockchain technology to encapsulate the digital credentials and the smart contract into a blockchain transaction and send it to the consortium blockchain.
21. A computer-readable medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the enterprise mobile payment method according to any one of claims 1 to 10.
22. A computer device, comprising a storage module, a processor, and a computer program stored on the storage module and executable on the processor, characterized in that, When the processor executes the computer program, it implements the enterprise mobile payment method according to any one of claims 1 to 10.
23. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the enterprise mobile payment method according to any one of claims 1 to 10.