Credit card transaction systems, methods, equipment and storage media

Abstract

This invention discloses a credit card transaction system, method, device, and storage medium. The system's authentication module, credit card module, and accounting module are administrator nodes in a private blockchain network. The authentication module receives and verifies the legitimacy of user information, registers legitimate financial user terminals as member nodes in the network, and synchronizes the node information of member nodes to the administrator node. The credit card module receives installment transaction applications, generates installment transaction orders based on the applications, generates blockchain data for the installment transaction orders, and sends the blockchain data to multiple member nodes for storage. Upon completion of an installment transaction order, the module also retrieves blockchain data from member nodes and, after passing Merkle tree verification of the blockchain data, sends the installment transaction order to the accounting module for accounting. This system improves the security of credit card transactions.

Description

Technical Field

[0001] This invention relates to the field of financial transaction technology, and in particular to a credit card transaction system, method, device and storage medium. Background Technology

[0002] Credit cards are widely used in daily life, but currently, credit card transactions or transaction records are generally processed through a single core system, resulting in insufficient security and transparency of transaction records. Risk events such as credit card fraud and data breaches occur frequently, leading to a decrease in cardholders' trust in credit card transactions.

[0003] Therefore, the security and transparency of credit card transactions are currently insufficient, and the credit card transaction system still needs improvement. Summary of the Invention

[0004] The main objective of this invention is to provide a credit card transaction system, method, device, and storage medium that can solve the problems of insufficient security and transparency in existing credit card transactions.

[0005] To achieve the above objectives, the first aspect of the present invention provides a credit card transaction system, the system comprising an identity verification module, a credit card module, and an accounting module, wherein the identity verification module, the credit card module, and the accounting module are administrator nodes in a private blockchain network; The identity verification module is used to receive and verify whether the user's information is legitimate; it is also used to register the financial user terminal corresponding to the legitimate user information as a member node in the private blockchain network, and synchronize the node information of the member node to the administrator node in the private blockchain network; wherein, the user includes cardholder, card issuer and card production user; The credit card module is used to receive installment transaction applications initiated by cardholders in the private blockchain network, generate installment transaction orders based on the installment transaction applications, generate first blockchain data corresponding to the installment transaction orders, and send the first blockchain data to multiple member nodes for storage based on the blockchain node information in the private blockchain network, wherein the blockchain node information includes the node information of the member nodes. The credit card module is also used to obtain the first blockchain data from the member node when the installment transaction order is completed, and after the Merkle tree verification of the first blockchain data is passed, send the installment transaction order corresponding to the first blockchain data to the accounting module for accounting. The accounting module is used to take the installment transaction order and the data generated during accounting as installment transaction data, generate second blockchain data corresponding to the installment transaction data, and send the second blockchain data to multiple member nodes for storage according to the member node information.

[0006] In one feasible implementation, the identity verification module is communicatively connected to the public security system, the UnionPay system, and the national credit card management platform, and is used to send the user information to the public security system and the UnionPay system respectively to confirm whether the identity information and financial information in the user information are true and legal. The identity verification module is also used to obtain the card issuer's existing information when the user is the card issuer, and send the credit card information of the credit card to be issued uploaded by the card issuer to the national credit card management platform to confirm whether the credit card information is legal; use the legal credit card information and the existing information as the target credit card information of the credit card to be issued, generate third blockchain data corresponding to the credit card to be issued, and send the third blockchain data to multiple member nodes for storage according to the member node information.

[0007] In one feasible implementation, the credit card module is further configured to acquire and display the target credit card information to the financial user terminal.

[0008] In one feasible implementation, the credit card module is further configured to receive and publish a credit card creation request initiated by the cardholder or the card issuer; The credit card module is also used to receive acceptance information from the card-making user for the credit card production request, generate a production order based on the credit card production request and the acceptance information, generate fourth blockchain data corresponding to the production order, and send the fourth blockchain data to multiple member nodes for storage based on the member node information in the private blockchain network. The credit card module is also used to obtain the fourth blockchain data from the member node when the production order is completed, and after the Merkle tree verification of the fourth blockchain data is passed, send the production order corresponding to the fourth blockchain data to the accounting module for accounting.

[0009] In one feasible implementation, the credit card module is further configured to receive the user's purchase request, generate an installment transaction order based on the purchase request, generate fifth blockchain data corresponding to the installment transaction order, and send the fifth blockchain data to multiple member nodes for storage based on the member node information in the private blockchain network; it is also configured to, upon completion of the installment transaction order, retrieve the fifth blockchain data from the member nodes, and after the Merkle tree verification of the fifth blockchain data passes, send the installment transaction order corresponding to the fifth blockchain data to the accounting module for accounting.

[0010] In one feasible implementation, the accounting module further includes a transaction unit and a smart contract unit. The transaction unit is used to generate an installment transaction request based on the installment transaction order or the production order, and send the installment transaction request to the smart contract unit. The smart contract unit is used to execute the installment transaction request according to the preset smart contract, and update and synchronize the ledger transaction information of multiple member nodes in the private blockchain network according to the content of the installment transaction request.

[0011] To achieve the above objectives, a second aspect of the present invention provides a credit card transaction method applied to a credit card transaction system, the system comprising an identity verification module, a credit card module, and an accounting module, wherein the identity verification module, the credit card module, and the accounting module are administrator nodes in a private blockchain network; The method includes: The identity verification module receives and verifies whether the user information is legitimate; and registers the financial user terminal corresponding to the legitimate user information as a member node in the private blockchain network, and synchronizes the node information of the member node to the administrator node in the private blockchain network; wherein, users include cardholders, card issuers and card makers; The credit card module receives installment transaction applications initiated by cardholders in the private blockchain network, generates installment transaction orders based on the installment transaction applications, generates first blockchain data corresponding to the installment transaction orders, and sends the first blockchain data to multiple member nodes for storage based on the member node information in the private blockchain network. The member node information includes the node information of the member nodes. When the installment transaction order is completed, the credit card module obtains the first blockchain data, and after the Merkle tree verification of the first blockchain data passes, sends the installment transaction order to the accounting module for accounting. The accounting module uses the installment transaction order and the data generated during accounting as installment transaction data, generates second blockchain data corresponding to the installment transaction data, and sends the second blockchain data to multiple member nodes for storage according to the member node information.

[0012] In one feasible implementation, the identity verification module is connected to the public security system, the UnionPay system, and the national credit card management platform; the identity verification module receives and verifies whether the user information is legitimate, including: The identity verification module sends the user information to the public security system and the UnionPay system respectively to confirm whether the identity information and financial information in the user information are true and legal. When the user is the card issuer, the identity verification module obtains the card issuer's existing information, sends the first credit card information of the credit card to be issued uploaded by the card issuer to the national credit card management platform, confirms whether the first credit card information is legal, and uses the existing information as the second credit card information; The identity verification module uses the first credit card information and the second credit card information as the credit card information of the credit card to be issued, generates third blockchain data corresponding to the credit card to be issued, and sends the third blockchain data to multiple member nodes for storage according to the member node information.

[0013] To achieve the above objectives, a third aspect of the present invention provides a computer-readable storage medium storing a computer program, which, when executed by a processor, causes the processor to perform the steps shown in the second aspect and any feasible implementation.

[0014] To achieve the above objectives, a fourth aspect of the present invention provides a computer device including a memory and a processor, the memory storing a computer program that, when executed by the processor, causes the processor to perform the steps shown in the second aspect and any feasible implementation.

[0015] The embodiments of the present invention have the following beneficial effects: This invention provides a credit card transaction system, comprising an identity verification module, a credit card module, and an accounting module. The identity verification module, credit card module, and accounting module are administrator nodes in a private blockchain network. The identity verification module receives and verifies the legitimacy of user information; it also registers the financial user terminal corresponding to the legitimate user information as a member node in the private blockchain network and synchronizes the node information of the member nodes to the administrator node in the private blockchain network. Users include cardholders, card issuers, and card production users. The credit card module receives installment transaction applications initiated by cardholders in the private blockchain network, generates installment transaction orders based on the applications, and generates installment transaction orders... The system generates a first blockchain data set, which is then sent to multiple member nodes for storage based on the blockchain node information within the private blockchain network. The blockchain node information includes the node details of each member node. The credit card module also retrieves the first blockchain data from member nodes upon completion of an installment transaction order. After the first blockchain data passes Merkle tree verification, the corresponding installment transaction order is sent to the accounting module for accounting. The accounting module uses the installment transaction order and the data generated during accounting as the installment transaction data, generates a second blockchain data set corresponding to the installment transaction data, and sends this second blockchain data to multiple member nodes for storage based on the member node information. This system establishes a private blockchain network for credit card transactions, allowing transactions to occur within this network without relying on a single core system. This ensures transparency of customer transaction information on the blockchain, and the immutability of the blockchain enhances the security of credit card transactions. Attached Figure Description

[0016] To more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0017] in: Figure 1 This is a structural block diagram of a credit card transaction system according to an embodiment of the present invention; Figure 2 This is a flowchart of a credit card transaction method according to an embodiment of the present invention; Figure 3 This is another structural block diagram of a credit card transaction system according to an embodiment of the present invention; Figure 4 This is another flowchart of a credit card transaction method according to an embodiment of the present invention; Figure 5 This is a structural block diagram of a computer device in an embodiment of the present invention. Detailed Implementation

[0018] The technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0019] It should be noted that, in order to improve the speed and efficiency of credit card transactions, this application combines blockchain technology to build a private blockchain network for the credit card transaction system. This network can utilize distributed ledger technology to achieve fast, scalable, and efficient transaction processing. Credit card companies can use blockchain technology to build a private blockchain, enabling transactions to be conducted on the private chain, thereby improving transaction speed and efficiency. For example, the establishment of a private blockchain requires the following steps: 1) Creating a genesis block: After the private chain starts, the first block (genesis block) needs to be created, equivalent to the head node of a linked list in a data structure. However, we don't know how to create this genesis block; we need to provide instructions on how to create it. 2) Adding blocks: Each new block contains the hash value of the previous block, thus giving the blockchain immutability. Therefore, we need to package new transactions into a new block and add it to the blockchain. 3) Synchronizing block information: If other nodes want to join the private blockchain network, they need to connect to the private blockchain network through a client and connect to the network's nodes to synchronize block information.

[0020] Furthermore, credit card companies can leverage public blockchains for cross-border transactions, thereby reducing transaction costs and time. Traditional credit card transactions without blockchain integration must be processed within their own core systems. For example, if a customer spends 10,000 yuan and the system currently offers installment payments (which translates to interest for banks), the customer can only apply for this 10,000 yuan installment plan through their own bank's core system. However, with blockchain integration, if multiple banks use a single blockchain, the customer can apply for installment payments through any of them, because the customer's transaction information is on the blockchain, making the information highly transparent and tamper-proof. Please refer to the following for details.

[0021] Please see Figure 1 , Figure 1 This is a structural block diagram of a credit card transaction system according to an embodiment of the present invention, such as... Figure 1The credit card transaction system 00 shown includes: an identity verification module 10, a credit card module 20, and an accounting module 30. The identity verification module 10, the credit card module 20, and the accounting module 20 are administrator nodes in a private blockchain network. The identity verification module 10 is used to receive and verify whether the user's information is legitimate; it is also used to register the financial user terminal corresponding to the legitimate user information as a member node in the private blockchain network, and to synchronize the node information of the member node to the administrator node in the private blockchain network; wherein, the user includes cardholder, card issuer, and card manufacturer; wherein, cardholder can be a customer of a bank or other financial institution, card issuer can be a bank or other financial institution or its employees, and card manufacturer is the merchant or manufacturer that produces credit cards.

[0022] It's important to understand that a blockchain is essentially a chain of blocks. Each block stores specific information, and these blocks are linked together in chronological order of their creation. This chain is stored on all servers, and as long as at least one server in the system is operational, the entire blockchain is secure. These servers are called nodes in the blockchain system, and they provide storage space and computing power. To modify information in the blockchain, the consent of more than half of the nodes must be obtained, and the information in all nodes must be modified. Since these nodes are usually controlled by different entities, tampering with information in the blockchain is extremely difficult. Compared to traditional networks, blockchain has two core characteristics: data is difficult to tamper with, and it is decentralized. Based on these two characteristics, the information recorded by the blockchain is more authentic and reliable, helping to solve the problem of mutual distrust. Private blockchain networks are distributed database systems involving multiple blockchain nodes. The blockchain network is implemented by an encrypted distributed shared ledger and a peer-to-peer network between blockchain nodes, essentially a decentralized and trustworthy network. In this embodiment of the invention, the blockchain nodes are divided into administrator nodes and member nodes. Administrator nodes are functional modules within the credit card transaction system, used to share and store all credit card data, transaction data, and all node information within the system. Member nodes are financial user terminals (hereinafter referred to as user terminals) registered by legitimate users, used to store a portion of the credit card data, transaction data, and all user-related data within the system. A private blockchain network is formed by administrator nodes and member nodes. During credit card transactions, mutual verification of transaction data between nodes ensures that the transaction is legal, fair, and tamper-proof. Since member nodes are user terminals, user terminals only need to store data related to user transactions and a portion of the transaction data witnessed by the user terminal as a witness node, without storing the entire blockchain. User information includes personal identity information and bank financial information, used to prove that the user has a legitimate transaction identity and transaction conditions. User terminals can be hardware terminals with various operating systems, such as personal computers (PCs), cloud devices, and mobile devices. In one possible embodiment, the node information of member nodes is synchronized to the administrator node, which manages the addition and removal of member nodes. For example, when a user cancels their account or uninstalls the credit card transaction system of this application on their terminal, the member node corresponding to the user terminal is temporarily shut down, and the transaction data witnessed by the user terminal as a witness node is redistributed to other member nodes by the administrator node.

[0023] The user information is personal and private; therefore, it is encrypted and calculated using user information, terminal information, and registration time to generate virtual accounts as node information for member nodes. The node information corresponds perfectly with the user information, terminal information, and registration time information, and its authenticity can be repeatedly verified during transactions.

[0024] Furthermore, the credit card module 20 is used to receive installment transaction applications initiated by cardholders in the private blockchain network, generate installment transaction orders based on the installment transaction applications, generate first blockchain data corresponding to the installment transaction orders, and send the first blockchain data to multiple member nodes for storage based on the blockchain node information in the private blockchain network, wherein the blockchain node information includes the node information of the member nodes. For example, a cardholder browses and selects a credit card transaction method through the application layer of the credit card transaction system and initiates an installment transaction application. After the corresponding card issuer responds to the installment transaction application, the credit card module 20 generates an installment transaction order based on the installment information, credit limit information, cardholder and card issuer user information in the installment transaction application, and the credit card transaction method corresponding to the installment transaction application. The installment information and credit limit information are information of the credit card transaction method corresponding to the installment transaction application, which are used to settle the amount to be paid by the cardholder after the installment transaction order is completed. The cardholder and card issuer user information are used to confirm the identities of both parties and the transaction account. After the credit card module 20 confirms that the user terminal has delivered the payment amount to the accounting module 30, it generates first blockchain data based on the installment transaction order and saves it in the blockchain network. The first blockchain data contains all the contents of the installment transaction order and the timestamp information when the first blockchain data was generated.

[0025] It's understandable that sending blockchain data to multiple member nodes for storage allows user terminals to mutually verify and confirm the authenticity and reliability of the data. Simultaneously, determining whether to send blockchain data to the corresponding member node based on the available storage space in the user terminal's memory ensures smooth operation and avoids a poor user experience. Other methods can also be used to select multiple member nodes for sending and storing blockchain data, as long as they do not affect the operation of the user terminal.

[0026] It should be noted that the credit card module 20 is also used to obtain the first blockchain data from the member node when the installment transaction order is completed, and after the Merkle tree verification of the first blockchain data is passed, send the installment transaction order corresponding to the first blockchain data to the accounting module for accounting. That is, the completed installment transaction order is calculated by the accounting module. Before the calculation, it is necessary to ensure that the blockchain data has not been tampered with. Therefore, when the installment transaction order is completed, the first blockchain data is obtained from the member node, and the blockchain data is further verified using a Merkle tree. After the Merkle tree verification of the first blockchain data passes, it means that it has not been tampered with. Only when the verification passes will the installment transaction order corresponding to the first blockchain data be sent to the accounting module for calculation.

[0027] It should be noted that a Merkle tree, also known as a hash tree, is a binary tree consisting of a root node, several intermediate nodes, and a set of leaf nodes. The bottom-level leaf nodes store data, the nodes above them contain their corresponding hash values, the intermediate nodes contain the hash values ​​of their two child nodes, and the root node contains the hash value of the top-level node, which is generally called the Merkle root.

[0028] Blockchain ensures data immutability through its tamper-proof chain, consensus mechanism, and decentralized and distributed characteristics. If any block's data is tampered with, its hash value changes, compromising the integrity of the entire blockchain. Therefore, by using hash algorithms and a chain structure, blockchain guarantees data immutability. The data records in a blockchain can be any information, such as transaction records, smart contracts, and digital assets. Each block contains the hash value of the previous block, and the content is verified using a Merkle tree for fast verification. Each record uses a digital signature to ensure it originates from the user possessing the private key.

[0029] The accounting module 30 is used to take the installment transaction order and the data generated during accounting as installment transaction data, generate second blockchain data corresponding to the installment transaction data, and send the second blockchain data to multiple member nodes for storage according to the member node information.

[0030] Understandably, the accounting module can account for verified installment transaction orders, and can use the installment transaction orders and the data generated during the accounting process as installment transaction data, and generate second blockchain data corresponding to the installment transaction data. Based on the member node information, the second blockchain data is sent to multiple member nodes for storage, thereby recording the entire process data of the credit card transaction system in a private blockchain network, realizing a decentralized, open, independent, secure and anonymous credit card transaction system.

[0031] This invention provides a credit card transaction system, comprising an identity verification module, a credit card module, and an accounting module. The identity verification module, credit card module, and accounting module are administrator nodes in a private blockchain network. The identity verification module receives and verifies the legitimacy of user information; it also registers the financial user terminal corresponding to the legitimate user information as a member node in the private blockchain network and synchronizes the node information of the member nodes to the administrator node in the private blockchain network. Users include cardholders, card issuers, and card production users. The credit card module receives installment transaction applications initiated by cardholders in the private blockchain network, generates installment transaction orders based on the applications, and generates installment transaction orders... The system generates a first blockchain data set, which is then sent to multiple member nodes for storage based on the blockchain node information within the private blockchain network. The blockchain node information includes the node details of each member node. The credit card module also retrieves the first blockchain data from member nodes upon completion of an installment transaction order. After the first blockchain data passes Merkle tree verification, the corresponding installment transaction order is sent to the accounting module for accounting. The accounting module uses the installment transaction order and the data generated during accounting as the installment transaction data, generates a second blockchain data set corresponding to the installment transaction data, and sends this second blockchain data to multiple member nodes for storage based on the member node information. This system establishes a private blockchain network for credit card transactions, allowing transactions to occur within this network without relying on a single core system. This ensures transparency of customer transaction information on the blockchain, and the immutability of the blockchain enhances the security of credit card transactions.

[0032] Please see Figure 2 , Figure 2 This is a flowchart of a credit card transaction method according to an embodiment of the present invention. The credit card transaction method is applied to a credit card transaction system 00, which includes an identity verification module 10, a credit card module 20, and an accounting module 30. The identity verification module 10, credit card module 20, and accounting module 30 are administrator nodes in a private blockchain network. Figure 2 The method shown includes the following steps: 201. The identity verification module receives and verifies whether the user information is legal; and registers the financial user terminal corresponding to the legal user information as a member node in the private blockchain network, and synchronizes the node information of the member node to the administrator node in the private blockchain network; wherein, the user includes cardholder, card issuer and card production user; 202. The credit card module receives an installment transaction application initiated by a cardholder in the private blockchain network, generates an installment transaction order based on the installment transaction application, generates first blockchain data corresponding to the installment transaction order, and sends the first blockchain data to multiple member nodes for storage based on the member node information in the private blockchain network, wherein the member node information includes the node information of the member nodes. 203. When the installment transaction order is completed, the credit card module obtains the first blockchain data, and after the Merkle tree verification of the first blockchain data passes, sends the installment transaction order to the accounting module for accounting. 204. The accounting module uses the installment transaction order and the data generated during accounting as installment transaction data, generates second blockchain data corresponding to the installment transaction data, and sends the second blockchain data to multiple member nodes for storage according to the member node information.

[0033] It should be noted that, Figure 2 The content of each step in the method shown is the same as Figure 1 The modules in the system shown have similar functions, and will not be elaborated here to avoid repetition. For details, please refer to [reference needed]. Figure 1 The function of each module in the system shown is illustrated.

[0034] This invention provides a credit card transaction method applied to a credit card transaction system. The system includes an identity verification module, a credit card module, and a calculation module, wherein the identity verification module, credit card module, and calculation module are administrator nodes in a private blockchain network. The method includes: the identity verification module receiving and verifying the legitimacy of user information; registering the financial user terminal corresponding to the legitimate user information as a member node in the private blockchain network; and synchronizing the node information of the member nodes to the administrator node in the private blockchain network. Users include cardholders, card issuers, and card production users. The credit card module receives installment transaction applications initiated by cardholders in the private blockchain network and calculates the installment amount accordingly. The transaction application generates an installment transaction order and corresponding first blockchain data. This first blockchain data is then sent to multiple member nodes for storage based on their node information within the private blockchain network. Upon completion of the installment transaction order, the credit card module retrieves the first blockchain data and, after successful Merkle tree verification, sends the installment transaction order to the accounting module for calculation. The accounting module uses the installment transaction order and the data generated during calculation as the installment transaction data, generates corresponding second blockchain data, and sends this second blockchain data to multiple member nodes for storage based on their node information. This method establishes a private blockchain network for the credit card transaction system, allowing transactions to occur within this network without relying on a single core system. This ensures transparency of customer transaction information on the blockchain, and the immutability of the blockchain enhances the security of credit card transactions.

[0035] Please see Figure 3 , Figure 3 This is another structural block diagram of a credit card transaction system according to an embodiment of the present invention, such as... Figure 3 The credit card transaction system 00 includes an identity verification module 10, a credit card module 20, and an accounting module 30. The identity verification module 10, the credit card module 20, and the accounting module 30 are administrator nodes in a private blockchain network. The identity verification module 10 is used to receive and verify the legitimacy of user information; it is also used to register the financial user terminal corresponding to the legitimate user information as a member node in the private blockchain network, and synchronize the node information of the member node to the administrator node in the private blockchain network; wherein, the user includes cardholder, card issuer, and card production user; the credit card module 20 is used to receive installment transaction applications initiated by cardholders in the private blockchain network, generate installment transaction orders according to the installment transaction applications, and generate first blockchain data corresponding to the installment transaction orders, and synchronize the first blockchain data according to the blockchain node information in the private blockchain network. Data is sent to multiple member nodes for storage, and the blockchain node information includes the node information of the member nodes; the credit card module 20 is also used to obtain the first blockchain data from the member nodes when the installment transaction order is completed, and after the Merkle tree verification of the first blockchain data is passed, send the installment transaction order corresponding to the first blockchain data to the accounting module for accounting; the accounting module 30 is used to use the installment transaction order and the data generated during accounting as installment transaction data, generate second blockchain data corresponding to the installment transaction data, and send the second blockchain data to multiple member nodes for storage according to the member node information.

[0036] It should be noted that, as Figure 3 The functions of the identity verification module 10, credit card module 20, and accounting module 30 shown are as follows: Figure 1 The identity verification module 10, credit card module 20, and accounting module 30 shown have similar functions, and will not be described in detail here to avoid repetition. Please refer to [link / reference needed] for more information. Figure 1 The functions of the identity verification module 10, credit card module 20, and accounting module 30 are shown.

[0037] In one feasible implementation, in order to improve the accuracy of verifying the legitimacy of user information, the aforementioned identity verification module 10 is connected to the public security system, the UnionPay system and the national credit card management platform for sending the user information to the public security system and the UnionPay system respectively to confirm whether the identity information and financial information in the user information are true and legal. Furthermore, when the user is the card issuer, the identity verification module 10 is also used to obtain the card issuer's existence information and send the credit card information of the pending credit card uploaded by the card issuer to the national credit card management platform to confirm whether the credit card information is legal; the legal credit card information and the existence information are used as the target credit card information of the pending credit card to generate third blockchain data corresponding to the pending credit card, and the third blockchain data is sent to multiple member nodes for storage according to the member node information. The existence information reflects the card issuer's existence status.

[0038] In one feasible implementation, to facilitate users' understanding and monitoring of the processing progress, the credit card module 20 is also used to acquire and display the target credit card information to the financial user terminal for users to view.

[0039] To prevent the malicious creation of credit cards, the entire credit card creation process will be monitored and recorded. Specifically, the credit card module 20 is also used to receive and publish credit card creation requests initiated by the cardholder or the card issuer. The credit card module 20 is also used to receive the acceptance information of the card-making user for the credit card production request, generate a production order according to the credit card production request and the acceptance information, generate fourth blockchain data corresponding to the production order, and send the fourth blockchain data to multiple member nodes for storage according to the member node information in the private blockchain network. Furthermore, once the production order is completed, the credit card module 20 is also used to obtain the fourth blockchain data from the member nodes, and after the Merkle tree verification of the fourth blockchain data is passed, send the production order corresponding to the fourth blockchain data to the accounting module 30 for accounting.

[0040] In one feasible implementation, the credit card module 20 is further configured to receive the user's purchase request, generate an installment transaction order based on the purchase request, generate fifth blockchain data corresponding to the installment transaction order, and send the fifth blockchain data to multiple member nodes for storage based on the member node information in the private blockchain network; it is also configured to, upon completion of the installment transaction order, retrieve the fifth blockchain data from the member nodes, and after the Merkle tree verification of the fifth blockchain data passes, send the installment transaction order corresponding to the fifth blockchain data to the accounting module 30 for accounting.

[0041] In one feasible implementation, the accounting module 30 further includes a transaction unit 31 and a smart contract unit 32. The transaction unit 31 is used to generate an installment transaction request based on the installment transaction order or the production order, and send the installment transaction request to the smart contract unit 32. The smart contract unit 32 is used to execute the installment transaction request according to a preset smart contract, and update and synchronize the ledger transaction information of multiple member nodes in the private blockchain network according to the content of the installment transaction request.

[0042] For example, a user can initiate a transaction request via the network and sign the transaction using their private key. The transaction is then broadcast and added to a transaction pool. Miners retrieve the transaction information from the pool, package it, and generate a block. Through consensus-building, the block is produced and finally broadcast to the entire network. Blockchain technology can leverage distributed ledger and encryption technologies to ensure the security of credit card transactions, thereby improving the security of the credit card transaction system. Credit card companies can use blockchain technology to establish immutable transaction records, preventing fraud and data breaches. In the credit card industry, blockchain technology can be used to establish a secure, transparent, and traceable transaction record system. Specifically, credit card companies can use blockchain technology to store each user's transaction records on a public ledger maintained by all nodes participating in the network. This way, even if a node fails or is attacked, the security and reliability of the entire network will not be affected. Furthermore, credit card companies can use smart contract technology to embed credit card transaction rules into smart contracts, achieving automated execution and reducing transaction costs.

[0043] This invention provides a credit card transaction system, which offers the following advantages: 1) Enhanced security: Blockchain technology provides more secure and transparent transaction records, reducing the risk of credit card fraud and data breaches. This enhances the credit card company's reputation and increases customer trust in credit card products. 2) Innovative payment methods: Blockchain technology can provide credit card companies with new payment methods, such as smart contracts and decentralized applications (DApps). These new payment methods will improve the competitiveness of credit card companies and generate more revenue. 3) Optimized customer experience: Blockchain technology can provide customers with a better payment experience, such as real-time settlement, fast payments without third-party institutions, and reduced payment steps. This will increase customer satisfaction and loyalty, helping credit card companies increase revenue.

[0044] Please see Figure 4 , Figure 4This is another flowchart of a credit card transaction method according to an embodiment of the present invention, applied to a credit card transaction system 00. The system includes an identity verification module 10, a credit card module 20, and an accounting module 30. The identity verification module, the credit card module, and the accounting module are administrator nodes in a private blockchain network, such as... Figure 4 The method shown includes the following steps: 401. The identity verification module sends the user information to the public security system and the UnionPay system respectively to confirm whether the identity information and financial information in the user information are true and legal; 402. When the user is the card issuer, the identity verification module obtains the card issuer's existing information, sends the first credit card information of the credit card to be issued uploaded by the card issuer to the national credit card management platform, confirms whether the first credit card information is legal, and uses the existing information as the second credit card information; 403. The identity verification module uses the first credit card information and the second credit card information as the credit card information of the credit card to be issued, generates third blockchain data corresponding to the credit card to be issued, and sends the third blockchain data to multiple member nodes for storage according to the member node information; and registers the financial user terminal corresponding to the legitimate user information as a member node in the private blockchain network, and synchronizes the node information of the member nodes to the administrator node in the private blockchain network; wherein, users include cardholders, card issuers, and card production users; 404. The credit card module receives an installment transaction application initiated by a cardholder in the private blockchain network, generates an installment transaction order based on the installment transaction application, generates first blockchain data corresponding to the installment transaction order, and sends the first blockchain data to multiple member nodes for storage based on the member node information in the private blockchain network, wherein the member node information includes the node information of the member nodes. 405. When the installment transaction order is completed, the credit card module obtains the first blockchain data, and after the Merkle tree verification of the first blockchain data passes, sends the installment transaction order to the accounting module for accounting. 406. The accounting module uses the installment transaction order and the data generated during accounting as installment transaction data, generates second blockchain data corresponding to the installment transaction data, and sends the second blockchain data to multiple member nodes for storage according to the member node information.

[0045] It should be noted that, Figure 4 The content of each step in the method shown is the same as Figure 3The modules in the system shown have similar functions, and will not be elaborated here to avoid repetition. For details, please refer to [reference needed]. Figure 3 The function of each module in the system shown is illustrated.

[0046] This invention provides a credit card transaction method, which offers the following advantages: 1) Enhanced security: Blockchain technology provides more secure and transparent transaction records, thereby reducing the risk of credit card fraud and data breaches. This will enhance the credit card company's reputation and increase customer trust in credit card products. 2) Innovative payment methods: Blockchain technology can provide credit card companies with new payment methods, such as smart contracts and decentralized applications (DApps). These new payment methods will improve the competitiveness of credit card companies and generate more revenue. 3) Optimized customer experience: Blockchain technology can provide customers with a better payment experience, such as real-time settlement, fast payments without third-party institutions, and reduced payment steps. This will increase customer satisfaction and loyalty, helping credit card companies increase revenue.

[0047] Figure 5 An internal structural diagram of a computer device in one embodiment is shown. This computer device can specifically be a terminal or a server. Figure 5 As shown, the computer device includes a processor, memory, and a network interface connected via a system bus. The memory includes a non-volatile storage medium and internal memory. The non-volatile storage medium stores an operating system and may also store a computer program, which, when executed by the processor, causes the processor to perform the aforementioned methods. The internal memory may also store a computer program, which, when executed by the processor, causes the processor to perform the aforementioned methods. Those skilled in the art will understand that… Figure 5 The structure shown is merely a block diagram of a portion of the structure related to the present application and does not constitute a limitation on the computer device to which the present application is applied. Specific computer devices may include more or fewer components than those shown in the figure, or combine certain components, or have different component arrangements.

[0048] In one embodiment, a computer device is provided, including a memory and a processor, the memory storing a computer program that, when executed by the processor, causes the processor to perform actions such as... Figure 2 or Figure 4 Follow the steps shown.

[0049] In one embodiment, a computer-readable storage medium is provided storing a computer program that, when executed by a processor, causes the processor to perform the following actions: Figure 2 or Figure 4 Follow the steps shown.

[0050] Those skilled in the art will understand that all or part of the processes in the above embodiments can be implemented by a computer program instructing related hardware. The program can be stored in a non-volatile computer-readable storage medium, and when executed, it can include the processes of the embodiments described above. Any references to memory, storage, databases, or other media used in the embodiments provided in this application can include non-volatile and / or volatile memory. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory. Volatile memory can include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in various forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), dual data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link DRAM (SLDRAM), RAMbus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and RAMbus dynamic RAM (RDRAM), etc.

[0051] The technical features of the above embodiments can be combined in any way. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0052] The embodiments described above are merely illustrative of several implementation methods of this application, and while the descriptions are specific and detailed, they should not be construed as limiting the scope of this patent application. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of this application, and these all fall within the protection scope of this application. Therefore, the protection scope of this patent application should be determined by the appended claims.

Claims

1. A credit card transaction system, characterized by, The system includes an identity verification module, a credit card module, and an accounting module, wherein the identity verification module, the credit card module, and the accounting module are administrator nodes in a private blockchain network; The identity verification module is used to receive and verify whether the user's information is legitimate; it is also used to register the financial user terminal corresponding to the legitimate user information as a member node in the private blockchain network, and synchronize the node information of the member node to the administrator node in the private blockchain network; wherein, the user includes cardholder, card issuer and card production user; The credit card module is used to receive installment transaction applications initiated by cardholders in the private blockchain network, generate installment transaction orders based on the installment transaction applications, generate first blockchain data corresponding to the installment transaction orders, and send the first blockchain data to multiple member nodes for storage based on the blockchain node information in the private blockchain network, wherein the blockchain node information includes the node information of the member nodes. The credit card module is also used to obtain the first blockchain data from the member node when the installment transaction order is completed, and after the Merkle tree verification of the first blockchain data is passed, send the installment transaction order corresponding to the first blockchain data to the accounting module for accounting. The accounting module is used to take the installment transaction order and the data generated during accounting as installment transaction data, generate second blockchain data corresponding to the installment transaction data, and send the second blockchain data to multiple member nodes for storage according to the member node information; The identity verification module is connected to the public security system, the UnionPay system, and the national credit card management platform to send the user information to the public security system and the UnionPay system respectively to confirm whether the identity information and financial information in the user information are true and legal. The identity verification module is also used to, when the user is the card issuer, obtain the card issuer's existing information, and send the credit card information of the credit card to be issued uploaded by the card issuer to the national credit card management platform to confirm whether the credit card information is legal; use the legal credit card information and the existing information as the target credit card information of the credit card to be issued, generate third blockchain data corresponding to the credit card to be issued, and send the third blockchain data to multiple member nodes for storage according to the member node information; The credit card module is also used to receive and publish credit card creation requests initiated by the cardholder or the card issuer; The credit card module is also used to receive acceptance information from the card-making user for the credit card production request, generate a production order based on the credit card production request and the acceptance information, generate fourth blockchain data corresponding to the production order, and send the fourth blockchain data to multiple member nodes for storage based on the member node information in the private blockchain network. The credit card module is also used to obtain the fourth blockchain data from the member node when the production order is completed, and after the Merkle tree verification of the fourth blockchain data is passed, send the production order corresponding to the fourth blockchain data to the accounting module for accounting.

2. The credit card transaction system according to claim 1, characterized in that, The credit card module is also used to acquire and display the target credit card information to the financial user terminal.

3. The credit card transaction system according to claim 1, characterized in that, The credit card module is also used to receive the user's purchase request, generate an installment transaction order based on the purchase request, generate fifth blockchain data corresponding to the installment transaction order, and send the fifth blockchain data to multiple member nodes for storage based on the member node information in the private blockchain network; it is also used to obtain the fifth blockchain data from the member nodes when the installment transaction order is completed, and after the Merkle tree verification of the fifth blockchain data passes, send the installment transaction order corresponding to the fifth blockchain data to the accounting module for accounting.

4. The credit card transaction system according to claim 3, characterized in that, The accounting module further includes a transaction unit and a smart contract unit. The transaction unit is used to generate an installment transaction request based on the installment transaction order or the production order, and send the installment transaction request to the smart contract unit. The smart contract unit is used to execute the installment transaction request according to the preset smart contract, and update and synchronize the ledger transaction information of multiple member nodes in the private blockchain network according to the content of the installment transaction request.

5. A credit card transaction method, characterized in that, This system is applied to a credit card transaction system, which includes an identity verification module, a credit card module, and an accounting module. The identity verification module, the credit card module, and the accounting module are administrator nodes in a private blockchain network. The method includes: The identity verification module receives and verifies whether the user information is legitimate; and registers the financial user terminal corresponding to the legitimate user information as a member node in the private blockchain network, and synchronizes the node information of the member node to the administrator node in the private blockchain network; wherein, users include cardholders, card issuers and card production users; The credit card module receives installment transaction applications initiated by cardholders in the private blockchain network, generates installment transaction orders based on the installment transaction applications, generates first blockchain data corresponding to the installment transaction orders, and sends the first blockchain data to multiple member nodes for storage based on the member node information in the private blockchain network. The member node information includes the node information of the member nodes. When the installment transaction order is completed, the credit card module obtains the first blockchain data, and after the Merkle tree verification of the first blockchain data passes, sends the installment transaction order to the accounting module for accounting. The accounting module uses the installment transaction order and the data generated during accounting as installment transaction data, generates second blockchain data corresponding to the installment transaction data, and sends the second blockchain data to multiple member nodes for storage according to the member node information; The identity verification module is connected to the public security system, the UnionPay system, and the national credit card management platform; the identity verification module receives and verifies the legality of user information, including: The identity verification module sends the user information to the public security system and the UnionPay system respectively to confirm whether the identity information and financial information in the user information are true and legal. When the user is the card issuer, the identity verification module obtains the card issuer's existing information, sends the first credit card information of the credit card to be issued uploaded by the card issuer to the national credit card management platform, confirms whether the first credit card information is legal, and uses the existing information as the second credit card information; The identity verification module uses the first credit card information and the second credit card information as the credit card information of the credit card to be issued, generates third blockchain data corresponding to the credit card to be issued, and sends the third blockchain data to multiple member nodes for storage according to the member node information; The credit card module is also used to receive and publish credit card creation requests initiated by the cardholder or the card issuer; The credit card module is also used to receive acceptance information from the card-making user for the credit card production request, generate a production order based on the credit card production request and the acceptance information, generate fourth blockchain data corresponding to the production order, and send the fourth blockchain data to multiple member nodes for storage based on the member node information in the private blockchain network. The credit card module is also used to obtain the fourth blockchain data from the member node when the production order is completed, and after the Merkle tree verification of the fourth blockchain data is passed, send the production order corresponding to the fourth blockchain data to the accounting module for accounting.

6. A computer-readable storage medium storing a computer program, characterized in that, When the computer program is executed by a processor, the processor performs the steps of the method as described in claim 5.

7. A computer device, comprising a memory and a processor, characterized in that, The memory stores a computer program that, when executed by the processor, causes the processor to perform the steps of the method as described in claim 5.

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