A one-card financial system and equipment based on blockchain technology

Abstract

This application discloses a blockchain-based one-card financial system and device, including a mobile terminal, a consumer recharge terminal, and a blockchain network. The mobile terminal is used to initiate a recharge order request to the blockchain network. The blockchain network is used to transfer the recharge amount from the payer's account to the IC card account in response to the recharge order request. The consumer recharge terminal is used to initiate a card write request to the blockchain network. The blockchain network is also used to respond to the card write request and, through the consumer recharge terminal, write the recharge amount in the IC card account into the microelectronic chip of the target IC card. This system meets the needs of students for recharging without carrying mobile phones and cash, and does not require them to write cards at specific recharge terminals, thus improving the student recharge and card writing experience. It also prevents criminals from stealing unwritten one-card account amounts through consumer recharge terminals, thereby improving the transaction security of the consumer recharge terminal all-in-one machine.

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 both an identity credential and a payment medium for students and teachers studying and living on campus. It's an essential card for entering and leaving the school, handling affairs, attending activities, and making purchases. Currently, campus cards are typically IC cards based on radio frequency identification technology. To use them as consumption cards, users must first top up the card at a specific recharge terminal before using them at other consumption terminals. Alternatively, users can top up the card using a mobile device such as a phone, then use a specific recharge terminal to write the money onto the card. However, for middle and high school students with fixed weekly living expenses, they are not allowed to bring mobile phones to campus. They often have to wait in line at specific recharge terminals on Sunday afternoons when returning to school with cash, resulting in long queues and a significant impact on the user experience. Summary of the Invention

[0003] This 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. The blockchain network is respectively connected to the mobile terminal and the consumption and recharge terminal, and the consumption and recharge terminal is provided with a consumption chip and a recharge chip;

[0005] A mobile terminal is used to initiate a recharge order request to the blockchain network, where the recharge request carries first transaction information, where the first transaction information includes an IC card account, a recharge amount, a payer account, and a payment voucher;

[0006] The blockchain network is configured to respond to the recharge order request, verify the recharge order request based on the first transaction information, and transfer the recharge amount from the payer account to the IC card account if the recharge order request passes the verification;

[0007] The consumption and recharging 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 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;

[0008] The blockchain network is also used to respond to the 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.

[0009] In some embodiments, the blockchain network includes a main chain and shard chains, and the shard chains use multiple consumer recharge terminals as shard chain nodes;

[0010] The main chain is used to respond to recharge order requests and broadcast transaction success information to the shard chain;

[0011] Shard chain, used to respond to card write requests.

[0012] In some embodiments, the main chain includes a first main chain node and a plurality of second main chain nodes:

[0013] The first main chain node is configured to verify the recharge order request based on 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 broadcast to the second main chain node.

[0014] 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 will be transferred from the payer's account to the IC card account, and the first new block will be added to the local chain of the second main chain node, and the transaction success information will be broadcast to the shard chain.

[0015] In some embodiments, the shard chain includes a first shard chain node and a second shard chain node;

[0016] The first shard chain node is configured to verify the write request based on the second transaction information and the transaction success information. If the write request passes the verification, the write request is packaged into a second new block and the second new block is broadcast to the second shard chain node.

[0017] The second shard chain node is used to verify the second new block based on 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.

[0018] In some embodiments, the consumer recharge terminal further includes a radio frequency reading and writing module;

[0019] Radio frequency reading and writing module, used to obtain the account information of the target IC card when sensing the target IC card;

[0020] The recharge chip is used to match the account information of the target IC card based on the transaction success information of the blockchain network. If the match is successful, it will initiate a card write request to the blockchain network.

[0021] In some embodiments, the system further includes a school financial terminal for distributing the scholarship to a target IC card account via a blockchain network;

[0022] 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.

[0023] In some 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, tuition amount, payer account, payment voucher, and payee account;

[0024] The blockchain network is further configured to respond to the tuition payment request, verify the tuition payment request based on the third transaction information, and transfer the tuition amount from the payer's account to the IC card account if the tuition payment request is verified to be successful;

[0025] The consumption and recharge terminal is further configured 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 carrying fourth transaction information, the fourth transaction information including the IC card account, the tuition amount, the payee account, and the terminal identifier of the consumption and recharge terminal;

[0026] 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.

[0027] In a second aspect, the present application also provides a one-card transaction method based on blockchain technology, which is applied to a consumer recharge terminal, wherein the consumer recharge terminal is provided with a consumer chip and a recharge chip, and the method comprises:

[0028] When the target IC card is sensed, the account information of the target IC card is obtained, and a card write request is initiated to the blockchain network through the recharge chip. The card write request carries the second transaction information, which includes the account information of the target IC card and the terminal identifier of the consumption recharge terminal. The card write request is used by the blockchain network to verify the card write request based on the second transaction information and the transaction success information;

[0029] 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;

[0030] Among them, the recharge amount is the recharge amount transferred from the payer's account to the IC card account when the blockchain network verifies the recharge order request initiated by the mobile terminal and passes the verification of the recharge order request. 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.

[0031] In a third aspect, the present application also provides a consumption recharge device, including a processor and a memory, the memory being 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 in the first aspect is implemented.

[0032] 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.

[0033] Compared with the existing technology, this application has the following beneficial effects:

[0034] 1. Parents can use their mobile devices to initiate a recharge request to the blockchain network to top up their students’ One Card accounts, meeting students’ needs for recharge without having to carry mobile phones or cash.

[0035] 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.

[0036] 2. Through the blockchain network, recharge transactions and card writing transactions are recorded to prevent criminals from stealing unwritten card account balances through consumer recharge terminals, thereby improving the transaction security of consumer recharge terminals. BRIEF DESCRIPTION OF THE DRAWINGS

[0037] Figure 1 This is a schematic diagram of the structure of a blockchain-based financial card system according to an embodiment of the present application;

[0038] Figure 2 This is a schematic diagram of the structure of a blockchain-based financial card system according to another embodiment of the present application;

[0039] 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;

[0040] Figure 4 This is a flowchart of a blockchain-based card transaction method according to an embodiment of the present application;

[0041] 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

[0042] The following will be combined with the drawings in the embodiments of this application to clearly and completely describe the technical solutions in the embodiments of this application. Obviously, the embodiments described are only part of the embodiments of this application, not all of the embodiments. Based on the embodiments in this application, all other embodiments obtained by ordinary technicians in this field without making creative efforts are within the scope of protection of this application.

[0043] Please refer to Figure 1 , Figure 1 This is 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.

[0044] The mobile terminal 101 is configured to initiate a recharge order request to the blockchain network 103, wherein the recharge request carries first transaction information, wherein the first transaction information includes an IC card account, a recharge amount, a payer account, and a payment voucher;

[0045] The blockchain network 103 is configured 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;

[0046] The consumption and recharge terminal 102 is configured to obtain the account information of the target IC card when sensing the target IC card, and initiate a card write request to the blockchain network through the recharge chip, wherein the card write request carries 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 recharge terminal 102;

[0047] The blockchain network 103 is used to respond to the 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 consumption recharge terminal 102.

[0048] In this embodiment, the mobile terminal refers to the mobile phone, tablet computer, laptop computer and other terminals of the student's parents, and the consumption and recharge terminal is a reading and writing device with consumption card reading function and recharge card writing function, such as the IC card swiping machine at the school cafeteria window, wherein the consumption chip is the original consumption function chip of the cafeteria card swiping machine, and the recharge chip can be the recharge chip of a specific recharge terminal; the blockchain network is composed of multiple computer devices that constitute the financial system.

[0049] This embodiment uses a mobile terminal to recharge the one-card account, solving the problem of students usually queuing up to recharge their cards when returning to school on Sundays, and the long queues. Since the consumption and recharge terminals are usually owned by merchants, the one-card is easily hijacked when writing to the consumption and recharge terminals. For example, the recharge amount is deducted from the one-card account and written to the consumption and recharge terminal in the form of a consumption order, resulting in the recharge amount in 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, ensuring the security of the recharge writing process.

[0050] As an example and not a 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 consumption 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 to the student's IC card to complete the recharge.

[0051] In some embodiments, as Figure 2 As shown, the blockchain network 103 includes a main chain 1031 and a shard chain 1032. The shard chain 1302 uses multiple consumption and recharge terminals 102 as shard chain nodes.

[0052] The main chain 1031 is used to respond to the recharge order request and broadcast the transaction success information to the shard chain;

[0053] The shard chain 1032 is used to respond to the card write request.

[0054] In this embodiment, the main chain is a network consisting of multiple computers in the financial system, and the shard chains are a network consisting of all consumption and recharge terminals on campus. The main chain and shard chains communicate across chains. This embodiment uses the main chain to verify, record, and respond to recharge order requests, and uses the shard chains to verify, record, and respond to card write requests.

[0055] 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 in the shard chain all receive the transaction success information, so that when the consumer recharge terminal senses the IC card, it can locally verify the account of the sensed IC card based on 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 it takes for students to place the IC card at the sensing position of the card reader and improving the card writing efficiency. In addition, the consumer recharge terminal is used as a shard chain node. After one consumer recharge terminal completes the card writing, other consumer recharge terminals can also know the write completion information in real time, avoiding repeated card writing.

[0056] 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.

[0057] In some embodiments, the main chain includes a first main chain node and a plurality of second main chain nodes;

[0058] The first main chain node is configured to verify the recharge order request based on 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;

[0059] 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.

[0060] In this embodiment, the first main chain node is the first main chain node to verify the recharge order request, and the second main chain node is another main chain node to verify the recharge order request. By performing multi-node verification and multi-node recording on the recharge order request, transaction security can be improved.

[0061] 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 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 the second main chain node receives the new block, it 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 cross-chain to the shard chain.

[0062] In some embodiments, the shard chain includes a first shard chain node and a second shard chain node;

[0063] The first shard chain node is configured to verify the write request based on the second transaction information and the transaction success information; if the write request passes the verification, package the write request into a second new block, and broadcast the second new block to the second shard chain node;

[0064] 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.

[0065] In this embodiment, the first shard chain node is the first shard chain node to verify the top-up order request, and the second shard chain node is the other shard chain node to verify the top-up order request. By performing multi-node verification and multi-node recording on write requests, transaction security can be improved.

[0066] In some embodiments, the consumption and recharging terminal 102 further includes a radio frequency reading and writing module;

[0067] 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;

[0068] 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.

[0069] In this embodiment, when an IC card account is sensed, the sensed IC account is locally matched according to the IC account in the transaction success information, thereby improving 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.

[0070] In some embodiments, as Figure 3 As shown, the system further includes a school financial terminal 104 for distributing the scholarship to the target IC card account through the blockchain network 103;

[0071] 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.

[0072] In this embodiment, in order to encourage poor students or outstanding students to study hard, scholarships are awarded to students. However, currently, the scholarships are awarded in the form of cash red envelopes or bank accounts, which can easily lead to teenagers using the scholarships for other purposes due to vanity. Therefore, this embodiment uses the blockchain network to award the scholarships to the students' IC card accounts. The students write the scholarships in the IC accounts into the microelectronic chip of the IC cards, thereby improving the security of the scholarship awarding.

[0073] In some embodiments, the mobile terminal 101 is further configured 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;

[0074] The blockchain network 103 is further configured to respond to the tuition payment request and verify the tuition payment request based on the third transaction information, and if the tuition payment request passes the verification, transfer the tuition amount from the payer account to the IC card account;

[0075] The consumption and recharge terminal 102 is further configured to initiate a payment confirmation request to the blockchain network 103 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 recharge terminal;

[0076] The blockchain network 103 is 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.

[0077] 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 payee's account.

[0078] 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 parents, thus ensuring the accuracy of the transfer account.

[0079] See also Figure 4 , Figure 4 A flowchart of a one-card transaction method based on blockchain technology provided by an embodiment of the present application is shown. For ease of explanation, only the parts related to this embodiment are shown. The one-card transaction method based on blockchain technology provided by an embodiment of the present application is applied to a consumer recharge terminal, which is equipped with a consumer chip and a recharge chip. The method includes:

[0080] Step S101: When a target IC card is sensed, the account information of the target IC card is obtained, and a card write request is initiated to the blockchain network through the recharge chip. The card write request carries second transaction information, which includes the account information of the target IC card and the terminal identifier of the consumption and recharge terminal. The card write request is used by the blockchain network to verify the card write request based on the second transaction information and the transaction success information.

[0081] Step S102, when the card writing request is verified to be successful, the recharge amount in the IC card account is written into the microelectronic chip of the target IC card;

[0082] 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 first transaction information, and the first transaction information includes the IC card account, recharge amount, payer account and payment voucher.

[0083] The aforementioned blockchain-based card transaction method can be applied to the consumer recharge terminal in the blockchain-based card financial system of the aforementioned method embodiment. The same optional options as in the aforementioned system embodiment also apply to this embodiment and will not be described in detail here. The remaining contents of the present application embodiment can be referred to the contents of the aforementioned system embodiment and will not be further described in this embodiment.

[0084] Figure 5 This is a structural diagram 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), 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.

[0085] 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 understand that Figure 5 This is merely an example of the consumer recharge device 5 and does not constitute a limitation on the consumer recharge device 5 . The consumer recharge device 5 may include more or fewer components than shown in the figure, or a combination of certain components, or different components. For example, it may also include input and output devices, network access devices, etc.

[0086] 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, or discrete hardware components. A general-purpose processor may be a microprocessor or any conventional processor.

[0087] In some embodiments, the memory 51 may be an internal storage unit of the consumer recharge device 5, such as a hard drive 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 drive, a SmartMedia Card (SMC), a Secure Digital (SD) card, a flash memory card, etc. equipped on the consumer recharge device 5. Furthermore, the memory 51 may include both an internal storage unit of the consumer recharge device 5 and an external storage device. The memory 51 is used to store an operating system, application programs, a boot loader, data, and other programs, such as the program code of the computer program. The memory 51 may also be used to temporarily store data that has been output or is about to be output.

[0088] 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.

[0089] The embodiments of the present application provide a computer program product. When the computer program product is run on a consumer recharge device, the consumer recharge device implements the steps of the above-mentioned method embodiments.

[0090] In several embodiments provided in the present application, it is understood that each box in the flow chart or block diagram can represent a part of a module, program segment or code, and the part of the module, program segment or 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 an order different 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, which depends on the functions involved.

[0091] If the functions are implemented in the form of software function modules and sold or used as independent products, they can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, or the 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 and includes several instructions for enabling a consumer recharge device to execute 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), random access memory (RAM), magnetic disk or optical disk, and other media that can store program codes.

[0092] The specific embodiments described above further illustrate the objectives, technical solutions, and beneficial effects of this application. It should be understood that the above descriptions are merely specific embodiments of this application and are not intended to limit the scope of protection of this application. In particular, it should be noted that any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of this application by those skilled in the art should be included within the scope of protection of this application.

Claims

1. A one-card financial system based on blockchain technology, characterized by: It includes a mobile terminal, a consumption and recharge terminal, and a blockchain network. The blockchain network is respectively connected to the mobile terminal and the consumption and recharge terminal. The consumption and recharge terminal is equipped with a consumption chip and a recharge chip. The mobile terminal is configured to initiate a recharge order request to the blockchain network, wherein the recharge order request carries first transaction information, wherein the first transaction information includes an IC card account, a recharge amount, a payer account, and a payment voucher; The blockchain network is configured to respond to the recharge order request and verify the recharge order request based on 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 recharge terminal is configured to obtain the account information of the target IC card when sensing the target IC card, and initiate a card write request to the blockchain network through the recharge chip, wherein the card write request carries 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 recharge terminal; The blockchain network is further configured to respond to the 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 passes the verification, write the recharge amount in the IC card account into the microelectronic chip of the target IC card through the consumption recharge terminal; The blockchain network includes a main chain and a shard chain. The main chain is a main chain network composed of multiple computers in the financial system, 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 writing request; Wherein, the main chain includes a first main chain node and a plurality of second main chain nodes; The first main chain node is configured to verify the recharge order request based on 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 configured 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 account to the IC card account, 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. The shard chain includes a first shard chain node and a second shard chain node; The first shard chain node is configured to verify the card write request based on the second transaction information and the transaction success information. If the card write request passes the verification, the first shard chain node packages the card write request into a second new block and broadcasts 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.

2. The blockchain-based one-card financial system according to claim 1, 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.

3. The blockchain-based one-card financial system according to claim 1 or 2, characterized in that: The system also includes a school financial terminal for distributing scholarships to target IC card accounts via 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.

4. The blockchain-based one-card financial system according to claim 1 or 2, characterized in that: The mobile terminal is further configured 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, tuition amount, payer account, payment voucher, and payee account; The blockchain network is further configured to respond to the tuition payment request and verify the tuition payment request based on 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 recharge terminal is further configured 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 recharge 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.

5. A one-card transaction method based on blockchain technology, 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 includes: When a target IC card is sensed, the account information of the target IC card is obtained, and a card write request is initiated to the blockchain network through the recharge chip. The card write request carries second transaction information, which includes the account information of the target IC card and the terminal identifier of the consumption and recharge terminal. The card write request is used by the blockchain network to verify the card write request based on the second transaction information and transaction success information. When the card writing request is verified to be successful, the recharge amount in the IC card account is written into the microelectronic chip of the target IC card; The recharge amount is the recharge amount transferred from the payer's account to the IC card account when the blockchain network verifies the recharge order request initiated by the mobile terminal and passes the verification. The recharge order request carries first transaction information, and the first transaction information includes the IC card account, recharge amount, payer account, and payment voucher. The blockchain network includes a main chain and shard chains. The main chain is composed of multiple computers in the financial system. The shard chains use multiple consumer 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 chains. The shard chains are used to respond to the card write request. The main chain includes a first main chain node and a plurality of second main chain nodes; The first main chain node is configured to verify the recharge order request based on 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 configured 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 account to the IC card account, 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. The shard chain includes a first shard chain node and a second shard chain node; The first shard chain node is configured to verify the card write request based on the second transaction information and the transaction success information. If the card write request passes the verification, the first shard chain node packages the card write request into a second new block and broadcasts 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.

6. A consumer recharge device, 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, it implements the one-card transaction method based on blockchain technology as claimed in claim 5.

7. A computer-readable storage medium, 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 claimed in claim 5.

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