All-purpose card financial system and equipment based on block chain technology

Abstract

The invention discloses an all-purpose card financial system and equipment based on a block chain technology, and the system comprises a mobile terminal, a consumption recharging terminal and a block chain network, the mobile terminal is used for initiating a recharging order request to the block chain network, and the block chain network is used for responding to the recharging order request, transferring the recharging amount from a payer account to an IC card account, and sending the recharging amount to the consumption recharging terminal. The consumption recharging terminal is used for initiating a card writing request to the block chain network, and the block chain network is further used for writing the recharging amount in the IC card account into the microelectronic chip of the target IC card through the consumption recharging terminal in response to the card writing request. The demand that a student does not need to carry a mobile phone and cash for recharging is met, the student does not need to write a card at a specific recharging terminal, the recharging and card writing experience of the student is improved, illegal persons are prevented from stealing the unwritten all-purpose card account amount through the consumption recharging terminal, and the transaction safety of the consumption recharging terminal all-in-one machine is improved.

Description

Technical Field

[0001] The present application relates to the technical field of financial data management, and in particular to a one-card financial system and equipment based on blockchain technology. Background Art

[0002] The campus card serves as an identity certificate and consumption medium for teachers and students to study and live in school. It is an important card for teachers and students to enter and exit the school, handle affairs, participate in activities and consume. At present, the campus card is usually an IC card based on radio frequency identification technology. When it is used as a consumption card, it is necessary to first charge the money into the card at a specific recharge terminal, and then use it at other consumption terminals; or recharge the card through a mobile terminal such as a mobile phone, and then write the card at a specific recharge terminal to write the money into the card. However, for junior and senior high school students with fixed weekly living expenses, they are not allowed to bring mobile phones to campus. Usually, when they return to school with cash on Sunday afternoons, they queue up at specific recharge terminals to recharge, resulting in a large number of people queuing, which greatly affects the user experience. Summary of the invention

[0003] The present application provides a one-card financial system and equipment based on blockchain technology to solve the technical problem of cumbersome and inefficient one-card recharge operations.

[0004] In order to solve the above technical problems, in the first aspect, the present application provides a one-card financial system based on blockchain technology, including a mobile terminal, a consumption and recharge terminal and a blockchain network, wherein the blockchain network is respectively connected to the mobile terminal and the consumption and recharge terminal for communication, and the consumption and recharge terminal is provided with a consumption chip and a recharge chip; A mobile terminal is used to initiate a recharge order request to the blockchain network, where the recharge request carries first transaction information, and the first transaction information includes an IC card account, a recharge amount, a payer account, and a payment voucher; The blockchain network is used to respond to the recharge order request, verify the recharge order request according to the first transaction information, and if the recharge order request is verified, transfer the recharge amount from the payer account to the IC card account; The consumption recharge terminal is used to obtain the account information of the target IC card when sensing the target IC card, and initiate a card writing request to the blockchain network through the recharge chip, wherein the card writing request carries the second transaction information, and the second transaction information includes the account information of the target IC card and the terminal identification of the consumption recharge terminal; The blockchain network is also used to respond to a card writing request and verify the card writing request based on the second transaction information and the transaction success information. If the card writing request is verified, the recharge amount in the IC card account is written into the microelectronic chip of the target IC card through the consumer recharge terminal.

[0005] In some of the embodiments, the blockchain network includes a main chain and a shard chain, and the shard chain uses multiple consumer recharge terminals as shard chain nodes; The main chain is used to respond to recharge order requests and broadcast transaction success information to the shard chain; Shard chain, used to respond to card write requests.

[0006] In some embodiments, the main chain includes a first main chain node and a plurality of second main chain nodes: The first main chain node is used to verify the recharge order request according to the first transaction information. If the recharge order request passes the verification, the recharge order request is packaged into a first new block, and the first new block is broadcasted to the second main chain node; The second main chain node is used to verify the first new block. If the first new block is verified by a preset number of second main chain nodes, the recharge amount is transferred from the payer's account to the IC card account, and the first new block is added to the local chain of the second main chain node, and the transaction success information is broadcast to the shard chain.

[0007] In some of these embodiments, the shard chain includes a first shard chain node and a second shard chain node; The first shard chain node is used to verify the write request according to the second transaction information and the transaction success information. If the write request verification passes, the write request is packaged into a second new block, and the second new block is broadcasted to the second shard chain node; The second shard chain node is used to verify the second new block according to the transaction success information. If the second new block is verified by a preset number of second shard chain nodes, the recharge amount in the IC card account is written into the microelectronic chip of the target IC card, and the second new block is added to the local chain of the second shard chain node.

[0008] In some of the embodiments, the consumer recharge terminal further includes a radio frequency reading and writing module; The radio frequency reader / writer module is used to obtain the account information of the target IC card when sensing the target IC card; The recharge chip is used to match the account information of the target IC card according to the transaction success information of the blockchain network. If the match is successful, a card write request is initiated to the blockchain network.

[0009] In some of these embodiments, the system further includes a school financial terminal for distributing the scholarship to a target IC card account via a blockchain network; The consumption recharge terminal is used to write the scholarship in the target IC card account into the microelectronic chip of the IC card corresponding to the target IC card account through the blockchain network.

[0010] In some of the embodiments, the mobile terminal is further used to initiate a tuition payment request to the blockchain network, the tuition payment request carries third transaction information, and the third transaction information includes an IC card account, a tuition amount, a payer account, a payment voucher, and a payee account; The blockchain network is further used to respond to the tuition payment request, verify the tuition payment request according to the third transaction information, and if the tuition payment request is verified, transfer the tuition amount from the payer account to the IC card account; The consumption and recharging terminal is further used to initiate a payment confirmation request to the blockchain network when sensing the IC card corresponding to the IC card account, the payment confirmation request carries fourth transaction information, and the fourth transaction information includes the IC card account, the tuition amount, the payee account and the terminal identification of the consumption and recharging terminal; The blockchain network is also used to respond to the payment confirmation request and verify the payment confirmation request based on the fourth transaction information. If the payment confirmation request is verified, the tuition amount in the IC card account is transferred to the payee's account.

[0011] In the second aspect, the present application also provides a one-card transaction method based on blockchain technology, which is applied to a consumer recharge terminal, where the consumer recharge terminal is provided with a consumer chip and a recharge chip, and the method includes: When the target IC card is sensed, the account information of the target IC card is obtained, and a card writing request is initiated to the blockchain network through the recharge chip. The card writing request carries the second transaction information. The second transaction information includes the account information of the target IC card and the terminal identification of the consumption recharge terminal. The card writing request is used by the blockchain network to verify the card writing request according to the second transaction information and the transaction success information; When the card writing request is verified, the recharge amount in the IC card account is written into the microelectronic chip of the target IC card; Among them, the recharge amount is the recharge amount transferred from the payer account to the IC card account when the blockchain network verifies the recharge order request initiated by the mobile terminal and the recharge order request is verified. The recharge request carries the first transaction information, and the first transaction information includes the IC card account, recharge amount, payer account and payment voucher.

[0012] In a third aspect, the present application also provides a consumption recharge device, including a processor and a memory, the memory is used to store a computer program, and when the computer program is executed by the processor, it implements the one-card transaction method based on blockchain technology as in the first aspect.

[0013] In a fourth aspect, the present application also provides a computer-readable storage medium storing a computer program, which, when executed by a processor, implements the one-card transaction method based on blockchain technology as in the first aspect.

[0014] Compared with the prior art, this application has the following beneficial effects: 1. Parents can initiate a recharge order request to the blockchain network through a mobile terminal to recharge the student's card account, meeting the student's need to recharge without carrying a mobile phone or cash.

[0015] 2. Recharge and write cards through any consumer recharge terminal, without having to go to a specific recharge terminal to write cards, improving students' recharge and card writing efficiency and card writing experience.

[0016] 2. Through the blockchain network, recharge transactions and card writing transactions are recorded to prevent criminals from stealing the unwritten card account balance through the consumer recharge terminal, thereby improving the transaction security of the consumer recharge terminal. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] Figure 1 This is a schematic diagram of the structure of a blockchain-based financial system for one card according to an embodiment of the present application; Figure 2 This is a schematic diagram of the structure of a one-card financial system based on blockchain technology, shown in another embodiment of the present application; Figure 3 This is a schematic diagram of the structure of a one-card financial system based on blockchain technology, which is another embodiment of the present application; Figure 4 A flowchart of a one-card transaction method based on blockchain technology according to an embodiment of the present application; Figure 5 This is a schematic diagram of the structure of a consumer recharge device shown in an embodiment of the present application. DETAILED DESCRIPTION

[0018] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0019] Please refer to Figure 1 , Figure 1 A schematic diagram of the structure of a one-card financial system based on blockchain technology provided in the embodiment of this application. Figure 1 As shown, the one-card financial system based on blockchain technology of the embodiment of the present application includes a mobile terminal 101, a consumption and recharge terminal 102 and a blockchain network 103. The blockchain network 103 is respectively communicated with the mobile terminal 101 and the consumption and recharge terminal 102, and the consumption and recharge terminal 102 is provided with a consumption chip and a recharge chip.

[0020] The mobile terminal 101 is used to initiate a recharge order request to the blockchain network 103, wherein the recharge request carries first transaction information, and the first transaction information includes an IC card account, a recharge amount, a payer account, and a payment voucher; The blockchain network 103 is used to respond to the recharge order request and verify the recharge order request according to the first transaction information, and if the recharge order request passes the verification, transfer the recharge amount from the payer account to the IC card account; The consumption and recharging terminal 102 is used to obtain the account information of the target IC card when sensing the target IC card, and initiate a card writing request to the blockchain network through the recharging chip, wherein the card writing request carries the second transaction information, and the second transaction information includes the account information of the target IC card and the terminal identification of the consumption and recharging terminal 102; The blockchain network 103 is used to respond to the card writing request and verify the card writing request according to the second transaction information and the transaction success information. If the card writing request is verified, the recharge amount in the IC card account is written into the microelectronic chip of the target IC card through the consumption recharge terminal 102.

[0021] In this embodiment, the mobile terminal is a terminal such as a mobile phone, tablet computer, and laptop computer of a student's parent, and the consumption and recharging terminal is a reading and writing device with consumption card reading function and recharging card writing function, such as the IC card swiping machine at the window of the school cafeteria, wherein the consumption chip is the original consumption function chip of the cafeteria card swiping machine, and the recharging chip can be the recharging chip of a specific recharging terminal; the blockchain network is composed of multiple computer devices that constitute a financial system.

[0022] This embodiment uses a mobile terminal to recharge the one-card account, which solves the problem that students usually queue up to recharge their cards when they return to school on Sundays, and there are many students in the queue; because the consumption recharge terminal is usually owned by the merchant, the one-card is easily hijacked when writing the card at the consumption recharge terminal. For example, the recharge amount is deducted from the one-card account and written into the consumption recharge terminal in the form of a consumption order, resulting in the recharge amount of the student's one-card account being stolen. Therefore, this embodiment uses the tamper-proof feature of the blockchain network to record the recharge process and the card writing process to ensure the security of the recharge writing process.

[0023] As an example but not limitation, a student's parents initiate a recharge order request through a mobile terminal, and the blockchain network verifies, records and responds to the recharge order request, and transfers the recharge amount to the one-card account; when the student is at school, he or she places the IC card on the sensing position of the card reader through any consumer recharge terminal on campus (such as the card reader in the cafeteria). When the card reader senses the IC card, it initiates a card write request, and the blockchain network verifies the card write request. After successful verification, the recharge amount of the one-card account is written into the student's IC card to complete the recharge.

[0024] In some embodiments, Figure 2 As shown, the blockchain network 103 includes a main chain 1031 and a shard chain 1032, and the shard chain 1302 uses multiple consumption and recharge terminals 102 as shard chain nodes; The main chain 1031 is used to respond to the recharge order request and broadcast the transaction success information to the shard chain; The shard chain 1032 is used to respond to the card write request.

[0025] In this embodiment, the main chain is a main chain network composed of multiple computers in the financial system, and the shard chain is a shard chain network composed of all consumption and recharge terminals on campus, and the main chain and the shard chain communicate across chains. This embodiment uses the main chain to verify, record and respond to recharge order requests, and uses the shard chain to verify, record and respond to card write requests.

[0026] Optionally, after the main chain transfers the recharge amount from the payer's account to the IC card account, the transaction success information is broadcast to the shard chain, that is, multiple consumer recharge terminals of the shard chain receive the transaction success information, so that when the consumer recharge terminal senses the IC card, it can perform local verification on the sensed IC card account according to the IC account in the transaction success information. If the currently sensed IC card account is the same as the IC account in the transaction success information, a card write request is directly initiated to the blockchain network, thereby improving the induction matching efficiency of the card writing process, thereby shortening the time for students to place the IC card at the sensing position of the card swiping machine and improving the card writing efficiency. In addition, the consumer recharge terminal is used as a shard chain node. After a consumer recharge terminal completes the card writing, other consumer recharge terminals can also know the writing completion information in real time to avoid repeated card writing.

[0027] It should be noted that this embodiment can improve the recharge efficiency and card writing efficiency by configuring the blockchain network into a main chain and a shard chain, separating the recharge process and the card writing process, and at the same time can use multiple consumer recharge terminals to verify the card writing request to avoid repeated card writing.

[0028] In some embodiments, the main chain includes a first main chain node and a plurality of second main chain nodes; The first main chain node is used to verify the recharge order request according to the first transaction information, and if the recharge order request passes the verification, package the recharge order request into a first new block, and broadcast the first new block to the second main chain node; The second main chain node is used to verify the first new block. If the first new block is verified by a preset number of the second main chain nodes, the recharge amount is transferred from the payer's account to the IC card account, and the first new block is added to the local chain of the second main chain node, and the transaction success information is broadcast to the shard chain.

[0029] In this embodiment, the first main chain node is the first main chain node that verifies the recharge order request, and the second main chain node is another main chain node that verifies the recharge order request. By performing multi-node verification and multi-node recording on the recharge order request, transaction security can be improved.

[0030] Exemplarily, a mobile terminal initiates a recharge order request to the blockchain network, which is processed by the main chain. Any node in the main chain serves as the first main chain node to verify the recharge order request and the legitimacy of the transaction, such as whether the addresses of the IC card account and the payer account are valid, whether the payer account has sufficient payment balance, etc.; if the verification is successful, the first main chain node packages the recharge order request into a new block and broadcasts the new block to the entire main chain network; after receiving the new block, the second main chain node verifies the new block, including verifying the legitimacy of the transaction, the correctness and order of the block, etc.; if the second main chain node verifies successfully, the second main chain node adds the new block to its local blockchain, and continues to broadcast the new block to other second main chain nodes for verification. When the new block is confirmed by a preset number of main chain nodes, the recharge amount is transferred from the payer account to the IC card account, the recharge transaction is successful, and the transaction success information is broadcast across the chain to the shard chain.

[0031] In some embodiments, the shard chain includes a first shard chain node and a second shard chain node; The first shard chain node is used to verify the write request according to the second transaction information and the transaction success information, and if the write request is verified, package the write request into a second new block, and broadcast the second new block to the second shard chain node; The second shard chain node is used to verify the second new block according to the transaction success information. If the second new block is verified by a preset number of the second shard chain nodes, the recharge amount in the IC card account is written into the microelectronic chip of the target IC card, and the second new block is added to the local chain of the second shard chain node.

[0032] In this embodiment, the first shard chain node is the first shard chain node that verifies the recharge order request, and the second shard chain node is another shard chain node that verifies the recharge order request. By performing multi-node verification and multi-node recording on the write request, transaction security can be improved.

[0033] In some embodiments, the consumption recharge terminal 102 further includes a radio frequency reading and writing module; The radio frequency reading and writing module is used to obtain the account information of the target IC card when sensing the target IC card; The recharge chip is used to match the account information of the target IC card according to the transaction success information of the blockchain network, and if the match is successful, initiate the card write request to the blockchain network.

[0034] In this embodiment, when the IC card account is sensed, the sensed IC account is locally matched according to the IC account in the transaction success information, thereby improving the matching efficiency and reducing the time the IC card needs to be placed in the sensing position of the card reader to wait for the card writing to be completed.

[0035] In some embodiments, Figure 3 As shown, the system further includes a school financial terminal 104, which is used to distribute the scholarship to the target IC card account through the blockchain network 103; The consumption and recharging terminal 102 is used to write the scholarship in the target IC card account into the microelectronic chip of the IC card corresponding to the target IC card account through the blockchain network 103.

[0036] In this embodiment, in order to encourage poor students or outstanding students to study hard, scholarships are awarded to students. However, they are currently awarded in the form of cash red envelopes or bank accounts, which can easily be used for other purposes by teenage students due to vanity. Therefore, this embodiment uses the blockchain network to award scholarships to students' IC card accounts. Students write the scholarships in the IC account into the microelectronic chip of the IC card to improve the security of scholarship issuance.

[0037] In some embodiments, the mobile terminal 101 is further used to initiate a tuition payment request to the blockchain network 103, wherein the tuition payment request carries third transaction information, and the third transaction information includes an IC card account, tuition amount, payer account, payment voucher, and payee account; The blockchain network 103 is further used to respond to the tuition payment request and verify the tuition payment request according to the third transaction information, and if the tuition payment request is verified, transfer the tuition amount from the payer account to the IC card account; The consumption and recharging terminal 102 is further used to initiate a payment confirmation request to the blockchain network 103 when sensing the IC card corresponding to the IC card account, and the payment confirmation request carries fourth transaction information, and the fourth transaction information includes the IC card account, the tuition amount, the payee account and the terminal identification of the consumption and recharging terminal; The blockchain network 103 is used to respond to the payment confirmation request and verify the payment confirmation request according to the fourth transaction information. If the payment confirmation request is verified, the tuition amount in the IC card account is transferred to the payee account.

[0038] In this embodiment, the current tuition and miscellaneous fees are usually paid by bank transfer or WeChat transfer, but these payment methods are easily misled by fraudsters, resulting in fraudsters defrauding tuition and miscellaneous fees. Therefore, in this embodiment, parents recharge the tuition and miscellaneous fees into the student's IC card account, and the student then goes to school to confirm the transfer through the consumption recharge terminal to transfer the tuition and miscellaneous fees in the student's IC card account to the recipient's account.

[0039] It is understandable that when parents initiate a payment confirmation request, they can select the corresponding payment option on the application of the One Card Financial System. The recipient account in the payment option is preset for the payment option and does not require input by the parents, thus ensuring the accuracy of the transfer account.

[0040] See also Figure 4 , Figure 4 The flowchart of the one-card transaction method based on blockchain technology provided by the embodiment of the present application is shown. For the convenience of explanation, only the part related to the present embodiment is shown. The one-card transaction method based on blockchain technology provided by the embodiment of the present application is applied to a consumption recharge terminal, and the consumption recharge terminal is provided with a consumption chip and a recharge chip. The method includes: Step S101, when the target IC card is sensed, the account information of the target IC card is obtained, and a card writing request is initiated to the blockchain network through the recharge chip, wherein the card writing request carries the second transaction information, and the second transaction information includes the account information of the target IC card and the terminal identification of the consumption recharge terminal, and the card writing request is used by the blockchain network to verify the card writing request according to the second transaction information and the transaction success information; Step S102, when the card writing request is verified, the recharge amount in the IC card account is written into the microelectronic chip of the target IC card; Among them, the recharge amount is the recharge amount transferred from the payer account to the IC card account when the blockchain network verifies the recharge order request initiated by the mobile terminal and the recharge order request is verified. The recharge request carries the first transaction information, and the first transaction information includes the IC card account, recharge amount, payer account and payment voucher.

[0041] The above-mentioned one-card transaction method based on blockchain technology can be applied to the consumption recharge terminal in the one-card financial system based on blockchain technology in the above-mentioned method embodiment. The same options as those in the embodiment of this method in the above-mentioned system embodiment are also applicable to this embodiment, and will not be described in detail here. The rest of the contents of the embodiment of this application can refer to the contents of the above-mentioned system embodiment, and will not be repeated in this embodiment.

[0042] Figure 5 This is a schematic diagram of the structure of a consumption recharge device provided in one embodiment of the present application. Figure 5 As shown, the consumption recharge device 5 of this embodiment includes: at least one processor 50 ( Figure 5 Only one is shown in the figure), a memory 51 and a computer program 52 stored in the memory 51 and executable on the at least one processor 50, wherein the processor 50 implements the steps of any of the above method embodiments when executing the computer program 52.

[0043] The consumption recharge device 5 may be a consumption recharge terminal. The consumption recharge device may include but is not limited to a processor 50 and a memory 51. Those skilled in the art will appreciate that Figure 5 It is only an example of the consumer recharge device 5 and does not constitute a limitation on the consumer recharge device 5. It can include more or fewer components than shown in the figure, or a combination of certain components, or different components. For example, it can also include input and output devices, network access devices, etc.

[0044] The processor 50 may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. A general-purpose processor may be a microprocessor or any conventional processor, etc.

[0045] In some embodiments, the memory 51 may be an internal storage unit of the consumer recharge device 5, such as a hard disk or memory of the consumer recharge device 5. In other embodiments, the memory 51 may also be an external storage device of the consumer recharge device 5, such as a plug-in hard disk, a smart memory card (SmartMedia Card, SMC), a secure digital (Secure Digital, SD) card, a flash card (Flash Card), etc. equipped on the consumer recharge device 5. Further, the memory 51 may also include both an internal storage unit and an external storage device of the consumer recharge device 5. The memory 51 is used to store an operating system, an application program, a boot loader (BootLoader), data, and other programs, such as the program code of the computer program, etc. The memory 51 may also be used to temporarily store data that has been output or is to be output.

[0046] In addition, an embodiment of the present application further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the steps in any of the above method embodiments are implemented.

[0047] The embodiment of the present application provides a computer program product. When the computer program product is run on a consumer recharge device, the consumer recharge device implements the steps in the above-mentioned method embodiments when executing the computer program product.

[0048] In several embodiments provided in the present application, it is understood that each box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, a program segment or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from that marked in the accompanying drawings. For example, two consecutive boxes can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved.

[0049] If the function is implemented in the form of a software function module and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application can essentially or partly contribute to the prior art or part of the technical solution can be embodied in the form of a software product. The computer software product is stored in a storage medium, including several instructions for enabling a consumer recharge device to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk and other media that can store program code.

[0050] The specific embodiments described above further describe the purpose, technical solutions and beneficial effects of the present application in detail. It should be understood that the above description is only a specific embodiment of the present application and is not intended to limit the scope of protection of the present application. It is particularly pointed out that for those skilled in the art, any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of protection of the present application.

Claims

1. A one-card financial system based on blockchain technology, It is characterized in that It includes a mobile terminal, a consumption and recharge terminal and a blockchain network, wherein the blockchain network is respectively connected to the mobile terminal and the consumption and recharge terminal in communication, and the consumption and recharge terminal is provided with a consumption chip and a recharge chip; The mobile terminal is used to initiate a recharge order request to the blockchain network, wherein the recharge request carries first transaction information, and the first transaction information includes an IC card account, a recharge amount, a payer account, and a payment voucher; The blockchain network is used to respond to the recharge order request and verify the recharge order request according to the first transaction information, and if the recharge order request passes the verification, transfer the recharge amount from the payer account to the IC card account; The consumption recharge terminal is used to obtain the account information of the target IC card when sensing the target IC card, and initiate a card writing request to the blockchain network through the recharge chip, wherein the card writing request carries the second transaction information, and the second transaction information includes the account information of the target IC card and the terminal identification of the consumption recharge terminal; The blockchain network is also used to respond to the card writing request and verify the card writing request according to the second transaction information and the transaction success information. If the card writing request is verified, the recharge amount in the IC card account is written into the microelectronic chip of the target IC card through the consumption recharge terminal.

2. The blockchain-based financial system according to claim 1, It is characterized in that The blockchain network includes a main chain and a shard chain, and the shard chain uses multiple consumption and recharge terminals as shard chain nodes; The main chain is used to respond to the recharge order request and broadcast the transaction success information to the shard chain; The shard chain is used to respond to the card write request.

3. The one-card financial system based on blockchain technology as claimed in claim 2, It is characterized in that The main chain includes a first main chain node and a plurality of second main chain nodes; The first main chain node is used to verify the recharge order request according to the first transaction information, and if the recharge order request passes the verification, package the recharge order request into a first new block, and broadcast the first new block to the second main chain node; The second main chain node is used to verify the first new block. If the first new block is verified by a preset number of the second main chain nodes, the recharge amount is transferred from the payer's account to the IC card account, and the first new block is added to the local chain of the second main chain node, and the transaction success information is broadcast to the shard chain.

4. The one-card financial system based on blockchain technology as claimed in claim 2, It is characterized in that The shard chain includes a first shard chain node and a second shard chain node; The first shard chain node is used to verify the write request according to the second transaction information and the transaction success information, and if the write request is verified, package the write request into a second new block, and broadcast the second new block to the second shard chain node; The second shard chain node is used to verify the second new block according to the transaction success information. If the second new block is verified by a preset number of the second shard chain nodes, the recharge amount in the IC card account is written into the microelectronic chip of the target IC card, and the second new block is added to the local chain of the second shard chain node.

5. The one-card financial system based on blockchain technology as claimed in claim 1, It is characterized in that The consumption recharge terminal also includes a radio frequency reading and writing module; The radio frequency reading and writing module is used to obtain the account information of the target IC card when sensing the target IC card; The recharge chip is used to match the account information of the target IC card according to the transaction success information of the blockchain network, and if the match is successful, initiate the card write request to the blockchain network.

6. The one-card financial system based on blockchain technology as claimed in any one of claims 1 to 5, It is characterized in that The system also includes a school financial terminal, which is used to distribute the scholarship to the target IC card account through the blockchain network; The consumption and recharging terminal is used to write the scholarship in the target IC card account into the microelectronic chip of the IC card corresponding to the target IC card account through the blockchain network.

7. The one-card financial system based on blockchain technology as claimed in any one of claims 1 to 5, It is characterized in that The mobile terminal is further used to initiate a tuition payment request to the blockchain network, wherein the tuition payment request carries third transaction information, and the third transaction information includes an IC card account, a tuition amount, a payer account, a payment voucher, and a payee account; The blockchain network is further configured to verify the tuition payment request in response to the tuition payment request according to the third transaction information, and if the tuition payment request is verified, transfer the tuition amount from the payer account to the IC card account; The consumption and recharging terminal is further used to initiate a payment confirmation request to the blockchain network when sensing the IC card corresponding to the IC card account, wherein the payment confirmation request carries fourth transaction information, and the fourth transaction information includes the IC card account, the tuition amount, the payee account, and the terminal identifier of the consumption and recharging terminal; The blockchain network is also used to respond to the payment confirmation request and verify the payment confirmation request based on the fourth transaction information. If the payment confirmation request is verified, the tuition amount in the IC card account is transferred to the payee account.

8. A one-card transaction method based on blockchain technology, It is characterized in that Applied to a consumer recharge terminal, the consumer recharge terminal is provided with a consumer chip and a recharge chip, and the method comprises: When the target IC card is sensed, the account information of the target IC card is obtained, and a card writing request is initiated to the blockchain network through the recharge chip, wherein the card writing request carries the second transaction information, and the second transaction information includes the account information of the target IC card and the terminal identification of the consumption recharge terminal. The card writing request is used by the blockchain network to verify the card writing request according to the second transaction information and the transaction success information; When the card writing request is verified, the recharge amount in the IC card account is written into the microelectronic chip of the target IC card; Among them, the recharge amount is the recharge amount transferred from the payer account to the IC card account when the blockchain network verifies the recharge order request initiated by the mobile terminal and the recharge order request is verified. The recharge request carries the first transaction information, and the first transaction information includes the IC card account, recharge amount, payer account and payment voucher.

9. A consumer recharge device, It is characterized in that It includes a processor and a memory, the memory is used to store a computer program, and when the computer program is executed by the processor, the one-card transaction method based on blockchain technology as claimed in claim 8 is implemented.

10. A computer-readable storage medium, It is characterized in that It stores a computer program, which, when executed by a processor, implements the one-card transaction method based on blockchain technology as described in claim 8.

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