A consumer card management system

Abstract

The present invention relates to a consumer card management system, which initializes the biometric fingerprint information of students through an initial information chain, records the information generated by consumption transactions through a consumption information chain and a personal information chain, and provides a smart contract to synchronize the information of multiple chains, enabling students to track the information of the actual users of the consumer card. At the same time, routers and auxiliary chains are set up between the blockchains of different campuses to achieve parallel expansion of data to multiple chains, creating a joint chain network of multiple clusters and multiple institutions, and realizing the cross-campus universal use of students' campus consumer cards.

Description

Technical Field

[0001] The present invention relates to the technical field of information management, and in particular to a consumption card management system. Background Art

[0002] In college, the use of campus cards has brought great convenience to students' daily lives. However, the convenience of campus cards determines that there are some drawbacks in security verification. For the sake of efficiency and the normal lending of campus cards between students, the university service platform generally does not verify the identity information of campus card users in real time, but only records general basic consumption information. Therefore, there are some cases where the actual consumer user does not match the campus card owner. These inconsistencies include both normal lending behavior and abnormal card swiping behavior caused by the loss of campus cards. In addition, different universities have extensive cooperation in cultural and sports activities, competitions, academic exchanges, etc., which involves the flow of students between different colleges and universities. As a result, the student campus cards of different colleges and universities cannot be circulated, resulting in a bottleneck in student cross-college consumption.

[0003] At the same time, in the complex university campus environment, students' consumption relationships are more complicated. It is difficult for students to monitor the expenditure of funds in a timely manner, which is more likely to cause asset security issues. Most of the centralized campus card management systems currently used on campus can only query basic information such as the expenditure and time of each transaction, but cannot query the identity information of specific students using campus cards, and cannot trace the actual consumers of campus cards. Summary of the invention

[0004] In order to overcome the shortcomings of the prior art, the purpose of the present invention is to provide a consumption card management system, which stores the encrypted initial fingerprint information of the consumer on the initial information chain that binds the consumption card to the student identity information, and the service platform receives the consumption request information sent by the consumption card, and at the same time sends the consumer's consumption fingerprint information to the initial information chain for verification. After the verification, the consumption transaction information is sent to the consumption information chain for storage, and the consumer's consumption fingerprint information is sent to the personal information chain for storage. The consumption information chain and the personal information chain are synchronized through smart contracts. Students can obtain the consumption records of the consumption card through the supervision end, and raise objections to the management personnel of the supervision end for consumption records that are not their own will. At the same time, when students use consumption cards to consume across schools, the students first initiate transaction request information to the service platform of the target school through the client, and the service platform of the target school generates information to obtain transactions through the initial information chain of the target school and obtains the initial fingerprint information stored by the students on the initial information chain of the school through the router and auxiliary chain between the two schools and stores it on the initial information chain of the target school so that the service platform of the target school can provide consumption services for cross-school students.

[0005] To achieve the above object, the present invention provides a consumer card management system, which includes:

[0006] A first consumer card for storing first consumer card information;

[0007] A first initial information chain for storing the first initial fingerprint information of the first cardholder and the first consumer card information; the first initial fingerprint information is bound to the first consumer card information;

[0008] A first consumption information chain for storing first consumption transaction information; the first consumption transaction information includes the first consumer card information;

[0009] A first personal information chain for storing first consumption fingerprint information corresponding to the first consumption transaction information; information synchronization between the first personal information chain and the first consumption information chain is performed through a smart contract;

[0010] A first service platform, which receives first consumption request information sent by the first consumer card; the first consumption request information includes first consumption transaction information and first consumption fingerprint information; the first service platform sends the first consumption fingerprint information to the first initial information chain for verification, and if the verification is passed, the first service platform sends the first consumption transaction information to the first consumption information chain for storage and sends the first consumption fingerprint information to the first personal information chain for storage;

[0011] A first client, which stores first consumer card information; the first client generates consumption query request information according to the first consumer card information;

[0012] A first supervision end, which receives the consumption query request information sent by the first client; the first supervision end queries the first consumption information chain according to the first consumer card information of the consumption query request information to obtain a first query result; the first supervision end sends the first query result to the first client.

[0013] Preferably, the first service platform sends the first consumption fingerprint information to the first initial information chain for verification, and if the verification fails, the first service platform rejects the first consumption request information.

[0014] Preferably, the system further includes: a second initial information chain, a second consumption information chain, a second personal information chain, a second service platform, an auxiliary chain, a first router and a second router;

[0015] The first client sends the transaction request information to the second service platform, and the second service platform generates an information acquisition transaction through the second initial information chain; the second service platform converts the information acquisition transaction into a first smart contract through the second router; the second router sends the first smart contract to the first router through the auxiliary chain; the first router identifies the first smart contract to obtain the corresponding information acquisition transaction, and sends the information acquisition transaction to the first initial information chain to obtain the first initial fingerprint information and generate a second smart contract; the first router sends the second smart contract to the second router through the auxiliary chain; the second router identifies the second smart contract to obtain the first initial fingerprint information and uploads the first initial fingerprint information to the second initial information chain.

[0016] Further preferably, the second service platform receives the second consumption request information sent by the first consumption card; the second consumption request information includes the second consumption transaction information and the first consumption fingerprint information; the second service platform sends the first consumption fingerprint information to the second initial information chain for review. If the review is passed, the second service platform sends the second consumption transaction information to the second consumption information chain for storage, and sends the first consumption fingerprint information to the second personal information chain for storage.

[0017] Further preferably, the second service platform sends the first consumption fingerprint information to the second initial information chain for review. If the review fails, the second service platform rejects the second consumption request information.

[0018] The embodiment of the present invention provides a consumption card management system, which stores encrypted initial fingerprint information of consumers on an initial information chain that binds consumption cards to student identity information. A service platform receives consumption request information sent by a consumption card, and sends the consumption fingerprint information of consumers to the initial information chain for verification. After verification, the consumption transaction information is sent to the consumption information chain for storage, and the consumption fingerprint information of consumers is sent to the personal information chain for storage. The consumption information chain and the personal information chain are synchronized through smart contracts. Students can obtain consumption records of consumption cards through the supervision end, and raise objections to the management personnel of the supervision end for consumption records that are not their own will. At the same time, when students use consumption cards to consume across schools, the students first initiate transaction request information to the service platform of the target school through the client, and the service platform of the target school generates information to obtain transactions through the initial information chain of the target school and obtains the initial fingerprint information stored by the students on the initial information chain of the school through the router and auxiliary chain between the two schools and stores it on the initial information chain of the target school so that the service platform of the target school can provide consumption services for students across schools. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] Figure 1 It is a block diagram of the consumption card management system on campus provided by the first embodiment of the present invention;

[0020] Figure 2 It is a block diagram of the consumption card management system across campuses provided by the second embodiment of the present invention. Specific embodiments

[0021] The technical solution of the present invention will be further described in detail below with reference to the accompanying drawings and embodiments.

[0022] The embodiment of the present invention provides a consumption card management system, which stores the encrypted initial fingerprint information of consumers on the initial information chain that binds the consumption card to the student identity information. The service platform receives the consumption request information sent by the consumption card, and at the same time sends the consumption fingerprint information of the consumer to the initial information chain for verification. After verification, the consumption transaction information is sent to the consumption information chain for storage, and the consumption fingerprint information of the consumer is sent to the personal information chain for storage. Information synchronization between the consumption information chain and the personal information chain is carried out through a smart contract. Students can obtain the consumption records of the consumption card through the supervision terminal and raise objections to the consumption records that are not of their own will to the management personnel of the supervision terminal. At the same time, when students use the consumption card to consume across schools, first, the students initiate a transaction request information to the service platform of the target school through the client. The service platform of the target school generates an information acquisition transaction through the initial information chain of the target school and obtains the initial fingerprint information stored by the students on the initial information chain of their own school through the router and the auxiliary chain between the two schools and stores it on the initial information chain of the target school for the service platform of the target school to provide consumption services for cross-school students.

[0023] Figure 1 It is a block diagram of the consumption card management system on campus provided by the first embodiment of the present invention, as Figure 1 shown, the consumption card management system includes: the first service platform 11, the first consumption card 12, the first client 13, the first supervision terminal 14, the first initial information chain 15, the first consumption information chain 16 and the first personal information chain 17.

[0024] When the first cardholder receives the first consumption card 12, it is necessary to bind its own identity information with the first consumption card information stored in the first consumption card 12 and store it in the first initial information chain 15. Among them, the first initial information chain 15 is a blockchain. The first cardholder can be a student on campus. The identity information of the student himself includes the first initial fingerprint information, and the first initial fingerprint information is the encrypted fingerprint information of the student. The first initial fingerprint information is the unique identifier of the student in the consumption card management system. The first consumption card information is the unique identifier of the first consumption card 12, and generally uses the card number of the consumption card.

[0025] When a student uses the first consumption card 12 to make a consumption on campus, the first consumption request information is sent to the first service platform 11 through the first consumption card 12. Among them, the first consumption request information includes the first consumption transaction information and the first consumption fingerprint information of the consumer. Specifically, the first consumption transaction information is the specific content of the student's consumption this time, generally including the first consumption card information, consumption amount, consumption time, and specific reasons for consumption, etc.; while the first consumption fingerprint information is the fingerprint information of the consumer who uses the first consumption card 12. Here, the first consumption fingerprint information is not necessarily the fingerprint information of the cardholder of the first consumption card 12. Because on campus, it is quite common for students to borrow consumption cards from each other. Therefore, the first service platform 11 will not verify whether the first consumption fingerprint information is the fingerprint information of the cardholder of the first consumption card 12. However, the first service platform 11 will send the first consumption fingerprint information to the first initial information chain 15 for review, that is, to check whether the first consumption fingerprint information has been initialized in the first initial information chain 15. This is to ensure that the first consumption fingerprint information of the consumer exists in the first initial information chain 15, thus ensuring the traceability of the initiator of this consumption. If the review fails, that is, the first consumption fingerprint information has not been initialized in the first initial information chain 15, then the first consumption request information this time will be rejected by the first service platform 11 to ensure the security of the consumption card. When the review passes, the first service platform 11 accepts this first consumption request information, sends the first consumption transaction information to the first consumption information chain 16 for storage, and sends the first consumption fingerprint information to the first personal information chain 17 for storage. Among them, both the first consumption information chain 16 and the first personal information chain 17 are blockchains. The first consumption information chain 16 is used to store the first consumption transaction information, and the first personal information chain 17 is used to store the first consumption fingerprint information corresponding to the first consumption transaction information; information synchronization between the first consumption information chain 16 and the first personal information chain 17 is carried out through a smart contract. Specifically, in order to ensure the synchronization of the first consumption transaction information and the first consumption fingerprint information on different chains, the method of using a hash time lock can be used to ensure the synchronization of information of the same transaction on different blockchains, thus ensuring the atomicity of the transaction.

[0026] When a student needs to view the consumption records generated by their first consumption card 12, the student can generate a consumption query request message through the first client 13. Among them, the first client 13 stores the first consumption card information of the student. The first client 13 generates a consumption query request message based on the first consumption card information and sends it to the first supervision end 14. After receiving the consumption query request message sent by the first client 13, the first supervision end 14 queries the first consumption information chain 16 according to the first consumption card information therein to obtain the first query result corresponding to the first consumption card 12, and sends the first query result to the first client 13. The student views the first query result through the first client 13. If it is found that there are consumption records in the first query result that do not match their own fingerprint information and do not belong to the consumption records generated by lending their consumption card to others, the student can submit an application to the management personnel of the first supervision end 17. The management personnel are generally teachers. When the management personnel receive the application, they can track the consumption fingerprint information of the consumption record through the blockchain, including suspending the use of the consumption card, and at the same time confirming the identity through the first initial information chain 15 and recovering the property of the cardholder, so as to prevent the property loss of the cardholder. And the cardholder can only see the fingerprint information of others who use their consumption card without permission and cannot confirm the true identity of others. It is handled by the management personnel, which also ensures the construction of a harmonious campus atmosphere and avoids negative impacts.

[0027] Figure 2 It is a block diagram of the cross-campus consumption card management system provided in the second embodiment of the present invention. As Figure 2 shown, the cross-campus consumption card management system further includes: a second service platform 21, a second consumption card 22, a second client 23, a second supervision end 24, a second initial information chain 25, a second consumption information chain 26, a second personal information chain 27, a first router 18, a second router 28 and an auxiliary chain 3.

[0028] In order to realize the cross-campus consumption of the student's consumption card, it is completed by setting routers and auxiliary chains between campuses. Among them, the router can restrict the access of external chains to the data of internal chains, prevent external chains from obtaining excessive internal confidential data. At the same time, the router allows the data to remain relatively isolated, and there is no direct link between the blockchains of multiple campuses, ensuring that only necessary data is transmitted across chains and realizing the minimum data transmission volume. In addition, in order to reduce the overly complex and cumbersome information interaction between blockchains and the consumption of network resources, an auxiliary chain is set between the routers of multiple campuses to assist in completing the corresponding information sharing between campuses. A transaction request message is generated through the first client 13 and sent to the second service platform of the target campus.

[0029] When a student needs to make cross-campus consumption, the student can apply to the second service platform 21 of the target school through the first client 13. Specifically, a transaction request information is generated through the first client 13 and sent to the second service platform 21. The second service platform 21 generates an information acquisition transaction through the second initial information chain 25 and converts the information acquisition transaction into a first smart contract through the second router 28. The second router 28 sends the first smart contract to the first router 18 through the auxiliary chain 3. The first router 18 identifies the first smart contract to obtain the corresponding information acquisition transaction, and sends the information acquisition transaction to the first initial information chain 15 to obtain the first initial fingerprint information of the student stored on the first initial information chain 15, and generates a second smart contract with the first initial fingerprint information. Then, the first router 18 sends the second smart contract to the second router 28 through the auxiliary chain 3. The second router 28 identifies the second smart contract to obtain the first initial fingerprint information of the student and uploads the first initial fingerprint information to the second initial information chain 25. In this way, the initial fingerprint information of the student is saved in the second initial information chain 25. Therefore, the student can use the consumption card to make consumption on the target campus.

[0030] When the student uses the first consumption card 12 to make cross-campus consumption, a second consumption request information is sent to the second service platform 21 through the first consumption card 12. Among them, the second consumption request information includes the second consumption transaction information and the first consumption fingerprint information of the student. Similarly, the first consumption fingerprint information here is not necessarily the fingerprint information of the cardholder of the first consumption card 12. Therefore, the second service platform 21 will not verify whether the first consumption fingerprint information is the fingerprint information of the cardholder of the first consumption card 12, but the second service platform 21 will send the first consumption fingerprint information to the second initial information chain 25 for review, that is, to check whether the first consumption fingerprint information has been initialized in the first initial information chain 25. This is to ensure that the first consumption fingerprint information of the consumer exists in the second initial information chain 25 to ensure the traceability of the initiator of this consumption. Since the student has performed the operation of transaction request information before consumption and has added his own fingerprint information to the second initial information chain 25, the student can make consumption on the target campus. If the review fails, that is, the first consumption fingerprint information has not been initialized in the second initial information chain 25, the second consumption request information this time will be rejected by the second service platform 21 to ensure the safety of the consumption card. When the review passes, the second service platform 21 accepts the second consumption request information this time, sends the second consumption transaction information to the second consumption information chain 26 for storage, and sends the first consumption fingerprint information to the second personal information chain 27 for storage.

[0031] The embodiment of the present invention provides a consumption card management system, which stores encrypted initial fingerprint information of consumers on an initial information chain that binds consumption cards to student identity information. A service platform receives consumption request information sent by a consumption card, and sends the consumption fingerprint information of consumers to the initial information chain for verification. After verification, the consumption transaction information is sent to the consumption information chain for storage, and the consumption fingerprint information of consumers is sent to the personal information chain for storage. The consumption information chain and the personal information chain are synchronized through smart contracts. Students can obtain consumption records of consumption cards through the supervision end, and raise objections to the management personnel of the supervision end for consumption records that are not their own will. At the same time, when students use consumption cards to consume across schools, the students first initiate transaction request information to the service platform of the target school through the client, and the service platform of the target school generates information to obtain transactions through the initial information chain of the target school and obtains the initial fingerprint information stored by the students on the initial information chain of the school through the router and auxiliary chain between the two schools and stores it on the initial information chain of the target school so that the service platform of the target school can provide consumption services for students across schools.

[0032] The specific implementation methods described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific implementation method of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A consumer card management system, characterized in that, The system includes: A first consumption card for storing first consumption card information; A first initial information chain for storing the first initial fingerprint information and the first consumption card information of the first cardholder; the first initial fingerprint information is bound to the first consumption card information; A first consumption information chain for storing first consumption transaction information; the first consumption transaction information includes the first consumption card information; A first personal information chain for storing first consumption fingerprint information corresponding to the first consumption transaction information; information synchronization between the first personal information chain and the first consumption information chain is performed through a smart contract; consumer identity tracing is realized based on the first consumption fingerprint information and the first initial information chain; A first service platform, the first service platform receives first consumption request information sent by the first consumption card; the first consumption request information includes first consumption transaction information and first consumption fingerprint information; the first service platform sends the first consumption fingerprint information to the first initial information chain for verification, if the verification is passed, the first service platform sends the first consumption transaction information to the first consumption information chain for storage, and sends the first consumption fingerprint information to the first personal information chain for storage; A first client, the first client stores first consumption card information; the first client generates consumption query request information based on the first consumption card information; A first supervision end, the first supervision end receives the consumption query request information sent by the first client; the first supervision end queries the first consumption information chain according to the first consumption card information in the consumption query request information to obtain a first query result; the first supervision end sends the first query result to the first client; the first cardholder judges whether the consumption behavior is authorized borrowing through the first query result; The system further includes: a second initial information chain, a second consumption information chain, a second personal information chain, a second service platform, an auxiliary chain, a first router and a second router; The first client sends transaction request information to the second service platform, the second service platform generates an information acquisition transaction through the second initial information chain; the second service platform converts the information acquisition transaction into a first smart contract through the second router; the second router sends the first smart contract to the first router through the auxiliary chain; the first router identifies the first smart contract to obtain the corresponding information acquisition transaction, and sends the information acquisition transaction to the first initial information chain to obtain the first initial fingerprint information and generates a second smart contract; the first router sends the second smart contract to the second router through the auxiliary chain; the second router identifies the second smart contract to obtain the first initial fingerprint information and uploads the first initial fingerprint information to the second initial information chain.

2. The consumer card management system according to claim 1, characterized in that, The first service platform sends the first consumption fingerprint information to the first initial information chain for verification, if the verification fails, the first service platform rejects the first consumption request information.

3. The consumer card management system according to claim 1, characterized in that, The second service platform receives the second consumption request information sent by the first consumption card; the second consumption request information includes second consumption transaction information and first consumption fingerprint information; the second service platform sends the first consumption fingerprint information to the second initial information chain for verification, and if the verification is passed, the second service platform sends the second consumption transaction information to the second consumption information chain for storage and sends the first consumption fingerprint information to the second personal information chain for storage.

4. The consumer card management system according to claim 3, characterized in that, The second service platform sends the first consumption fingerprint information to the second initial information chain for verification, and if the verification fails, the second service platform rejects the second consumption request information.

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