Distributed credit card point processing method and device, equipment and medium

Abstract

The invention discloses a distributed credit card point processing method and device, equipment and a medium, and the method comprises the steps: obtaining the scene demand information of credit card points, building a distributed account book network according to the scene demand information, and configuring corresponding network parameters; creating a smart contract and deploying the smart contract to a distributed account book network, wherein the smart contract is used for realizing a mapping relationship between the point transaction data and account book data of a distributed account book; transaction records of credit card accounts are monitored through nodes in the distributed account book network, the monitored transaction records are broadcasted to the distributed account book network, the nodes receive and verify the transaction records, and the transaction records comprise point transaction records and consumption transaction records; and calling the smart contract after the verification is passed, updating account book data through the smart contract according to the point transaction data associated with the transaction record, and writing the account book data into each node of the distributed account book network. Through distributed credit card point processing, real-time performance and safety of point processing are ensured.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and is applied to a point management scenario of a bank credit card account, and in particular to a distributed credit card point processing method, device, equipment and medium. Background Art

[0002] Credit card points are a reward mechanism provided by banks or credit card companies to cardholders. Points are usually accumulated based on the cardholder's consumption history or specific activities. Points can be used to redeem gifts, discounts or other benefits. Credit card points can provide banks with valuable data on customer consumption behavior, helping banks to better understand customer needs and preferences, thereby optimizing products and services. Therefore, by effectively managing credit card points, banks can not only improve customer experience and enhance market competitiveness, but also optimize their own operating strategies and product services through data analysis and risk management.

[0003] Traditional credit card account points management systems usually rely on centralized databases to record and process points transactions. In this model, all points data is stored on a single server and managed and maintained by a centralized organization, which leads to problems such as data synchronization delays and single point failure risks. Summary of the invention

[0004] In view of the above-mentioned deficiencies in the prior art, the purpose of the present invention is to provide a distributed credit card points processing method, device, equipment and medium that can be applied to financial technology or other related fields. Its main purpose is to realize distributed credit card account points management and ensure the real-time and security of points data.

[0005] The technical solution of the present invention is as follows:

[0006] A first aspect of the present invention provides a distributed credit card points processing method, comprising:

[0007] Obtaining scenario demand information for credit card points, establishing a distributed ledger network based on the scenario demand information, and configuring corresponding network parameters;

[0008] Creating a smart contract and deploying the smart contract to the distributed ledger network, wherein the smart contract is used to implement a mapping relationship between the credit card account's points transaction data and the distributed ledger's ledger data;

[0009] Monitoring the transaction records of the credit card account through the nodes in the distributed ledger network, broadcasting the monitored transaction records to the distributed ledger network, and receiving and verifying them by each node, wherein the transaction records include points transaction records and consumption transaction records;

[0010] When the verification is passed, the smart contract is called, and the account book data is updated according to the point transaction data associated with the transaction record through the smart contract and written into each node of the distributed account book network.

[0011] In one embodiment, after acquiring the scenario requirement information of the credit card points, establishing a distributed ledger network according to the scenario requirement information and configuring corresponding network parameters, the method further includes:

[0012] Collecting account information of a credit card account, and creating and associating a unique address on the distributed ledger network based on the account information;

[0013] When the account information is changed, the associated address in the distributed ledger network is updated synchronously.

[0014] In one embodiment, the scenario requirement information of obtaining credit card points, establishing a distributed ledger network according to the scenario requirement information and configuring corresponding network parameters include:

[0015] Obtaining scenario demand information for credit card points, the scenario demand information including transaction frequency requirements, data volume requirements, and security requirements;

[0016] Determine the network architecture design according to the transaction frequency requirement and the data volume requirement, and create a corresponding distributed ledger network on a preset platform according to the network architecture design, wherein the network architecture design includes a network topology, node type, node quantity, and node distribution location;

[0017] The hardware resource information of each node in the distributed ledger network is configured according to the transaction frequency requirements and data volume requirements, and the consensus mechanism, data synchronization mechanism and security mechanism between each node are configured according to the security requirements.

[0018] In one embodiment, the step of creating a smart contract and deploying the smart contract to the distributed ledger network, wherein the smart contract is used to implement a mapping relationship between the credit card account's points transaction data and the distributed ledger's ledger data, includes:

[0019] Determine the points processing rules supported by the distributed ledger network, generate a corresponding smart contract according to the points processing rules, and use the smart contract to update the ledger data according to the points transaction data and the points processing rules;

[0020] The smart contract is compiled and tested, and the tested smart contract is deployed to the distributed ledger network.

[0021] In one embodiment, the smart contract is called after the verification is passed, and the account data is updated and written into each node of the distributed account network according to the point transaction data associated with the transaction record through the smart contract, including:

[0022] Parsing the verified transaction records, confirming the transaction type of the transaction records and calculating the points transaction data associated with the transaction records;

[0023] Calling a corresponding smart contract according to the transaction type of the transaction record, and updating the account book data through the smart contract according to the corresponding points processing rules and the points transaction data associated with the transaction record;

[0024] The updated ledger data is written into each node of the distributed ledger network through the consensus mechanism and data synchronization mechanism.

[0025] In one embodiment, parsing the verified transaction record, confirming the type of the transaction record and calculating the points transaction data associated with the transaction record includes:

[0026] Parse the verified transaction records to obtain the transaction type, transaction amount and transaction object of the transaction records;

[0027] When the transaction type is a points transaction, the points transaction data directly associating the transaction amount with the transaction record;

[0028] When the transaction type is a consumption transaction, the transaction amount is converted into points according to the transaction object to obtain point transaction data associated with the transaction record.

[0029] In one embodiment, the method further comprises:

[0030] Collecting operating indicator data of the distributed ledger network in real time, wherein the operating indicator data includes node status data and network delay data;

[0031] Performing status monitoring on the distributed ledger network according to the operation indicator data to confirm whether a node failure and / or a network failure occurs in the distributed ledger network;

[0032] When a node failure and / or network failure occurs, node failure recovery and / or network failure recovery processing is performed according to the preset exception handling mechanism.

[0033] A second aspect of the present invention provides a distributed credit card points processing device, comprising:

[0034] A network establishment module, used to obtain scenario demand information of credit card points, establish a distributed ledger network according to the scenario demand information, and configure corresponding network parameters;

[0035] A contract creation module, used to create a smart contract and deploy the smart contract to the distributed ledger network, wherein the smart contract is used to implement a mapping relationship between the credit card account's points transaction data and the distributed ledger's account data;

[0036] A transaction monitoring module, used to monitor the transaction records of the credit card account through the nodes in the distributed ledger network, broadcast the monitored transaction records to the distributed ledger network, and receive and verify them by each node, wherein the transaction records include points transaction records and consumption transaction records;

[0037] The points processing module is used to call the smart contract after verification, and update the account data according to the points transaction data associated with the transaction record through the smart contract and write it into each node of the distributed account network.

[0038] A third aspect of the present invention provides a computer device, comprising at least one processor; and

[0039] a memory communicatively connected to the at least one processor; wherein,

[0040] The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can perform the above-mentioned distributed credit card points processing method.

[0041] A fourth aspect of the present invention provides a non-volatile computer-readable storage medium, which stores computer-executable instructions. When the computer-executable instructions are executed by one or more processors, the one or more processors can execute the above-mentioned distributed credit card points processing method.

[0042] Beneficial effects: The present invention discloses a distributed credit card points processing method, device, equipment and medium. Compared with the prior art, the embodiment of the present invention obtains the scenario demand information of the credit card points, establishes a distributed ledger network according to the scenario demand information and configures the corresponding network parameters; creates a smart contract and deploys the smart contract to the distributed ledger network, the smart contract is used to realize the mapping relationship between the credit card account's points transaction data and the distributed ledger's ledger data; monitors the transaction records of the credit card account through the nodes in the distributed ledger network, broadcasts the monitored transaction records to the distributed ledger network, and is received and verified by each node, the transaction records include points transaction records and consumption transaction records; when the verification is passed, the smart contract is called, and the smart contract is used to update the ledger data according to the points transaction data associated with the transaction record and write it into each node of the distributed ledger network. The management of credit card points is realized by jointly maintaining the ledger data through multiple nodes of the distributed ledger network, reducing the risk of single point failure, and the smart contract automatically executes and updates the ledger data, improving efficiency and ensuring the real-time and security of the points data. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] In order to more clearly illustrate the scheme in the present invention, a brief introduction is given below to the drawings required for use in the description of the embodiments of the present invention. Obviously, the drawings described below are some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0044] Figure 1 A flow chart of a distributed credit card points processing method provided by an embodiment of the present invention;

[0045] Figure 2 A flow chart of step S101 in the distributed credit card points processing method provided in an embodiment of the present invention;

[0046] Figure 3 A flow chart of step S102 in the distributed credit card points processing method provided by an embodiment of the present invention;

[0047] Figure 4 A flow chart of step S104 in the distributed credit card points processing method provided by an embodiment of the present invention;

[0048] Figure 5 A schematic diagram of functional modules of a distributed credit card points processing device provided by an embodiment of the present invention;

[0049] Figure 6 A schematic diagram of the hardware structure of a computer device provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0050] In order to make the purpose, technical solution and effect of the present invention clearer and more specific, the present invention is further described in detail below. It should be understood that the specific embodiments described herein are only used to explain the present invention and are not intended to limit the present invention. The embodiments of the present invention are described below in conjunction with the accompanying drawings.

[0051] Credit card points are a reward mechanism provided by banks or credit card companies to cardholders. Points are usually accumulated based on the cardholder's consumption history or specific activities. Points can be used to redeem gifts, discounts or other benefits. Credit card points can provide banks with valuable data on customer consumption behavior, helping banks to better understand customer needs and preferences, thereby optimizing products and services. Therefore, by effectively managing credit card points, banks can not only improve customer experience and enhance market competitiveness, but also optimize their own operating strategies and product services through data analysis and risk management.

[0052] Traditional credit card account points management systems usually rely on centralized databases to record and process points transactions. In this model, all points data is stored on a single server and managed and maintained by a centralized organization, which leads to problems such as data synchronization delays and single point failure risks.

[0053] In order to solve the above problems, the present invention proposes a distributed credit card points processing method, please refer to Figure 1 , Figure 1 The flowchart of one embodiment of the distributed credit card points processing method provided by the present invention. The system architecture of the distributed credit card points processing method provided by this embodiment may include a first terminal device, a second terminal device, a third terminal device, a network and a server. The network is used to provide a medium for a communication link between the first terminal device, the second terminal device, the third terminal device and the server. The network may include various connection types, such as wired and / or wireless communication links, etc.

[0054] The user may use the first terminal device, the second terminal device, and the third terminal device to interact with the server through the network to receive or send messages, etc. Various communication client applications may be installed on the first terminal device, the second terminal device, and the third terminal device, such as knowledge reading applications, web browser applications, search applications, instant messaging tools, email clients, and / or social platform software, etc. (only as examples).

[0055] The first terminal device, the second terminal device, and the third terminal device may be various electronic devices having display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

[0056] The server may be a server that provides various services, such as a background management server that provides support for the content browsed by the user using the first terminal device, the second terminal device, and the third terminal device (for example only). The background management server may analyze and process the received data such as the user request, and feed back the processing results (such as web pages, information, or data obtained or generated according to the user request) to the terminal device. The server may be a cloud server, also known as a cloud computing server or a cloud host, which is a host product in the cloud computing service system to solve the defects of difficult management and weak business scalability in traditional physical hosts and VPS services ("Virtual Private Server", or "VPS" for short). The server may also be a server for a distributed system, or a server combined with a blockchain.

[0057] It should be noted that the distributed credit card points processing method provided by the embodiment of the present invention can generally be executed by the first terminal device, the second terminal device or the third terminal device. Correspondingly, the distributed credit card points processing device provided by the embodiment of the present invention can also be set in the first terminal device, the second terminal device or the third terminal device.

[0058] Alternatively, the distributed credit card points processing method provided by the embodiment of the present invention may also be generally executed by a server. Accordingly, the distributed credit card points processing device provided by the embodiment of the present invention may generally be arranged in a server. The distributed credit card points processing method provided by the embodiment of the present invention may also be executed by a server or server cluster that is different from the server and can communicate with the first terminal device, the second terminal device, the third terminal device and / or the server. Accordingly, the distributed credit card points processing device provided by the embodiment of the present invention may also be arranged in a server or server cluster that is different from the server and can communicate with the first terminal device, the second terminal device, the third terminal device and / or the server.

[0059] It should be understood that the numbers of the above terminal devices, networks and servers are only illustrative. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0060] like Figure 1 As shown, the distributed credit card points processing method provided in this embodiment specifically includes the following steps:

[0061] S101. Obtain scenario demand information of credit card points, establish a distributed ledger network according to the scenario demand information, and configure corresponding network parameters.

[0062] In this embodiment, in the credit card points management scenario, by obtaining the scenario demand information of the credit card points, such as the business requirements of the credit card points system, including the way to obtain points, the rules for using points, the statistical indicators of points transactions, etc., a distributed ledger technology suitable for the credit card points update scenario is selected according to these scenario demand information, such as Ethereum or Hyperledger Fabric, etc., a distributed ledger network is established and the corresponding network parameters are configured. The distributed ledger is a database based on blockchain technology, which is dispersed and stored on multiple nodes. Each node has a complete copy of the ledger. All nodes reach a consensus through a consensus mechanism to ensure the integrity and security of the ledger. The distributed ledger can record and store various types of data, including transaction records, identity information, ownership of items, etc. This embodiment establishes a distributed ledger network based on the scenario demand information to ensure that the distributed ledger network can meet the specific business requirements of the credit card points system and improve the adaptability and flexibility of the system.

[0063] In one embodiment, after step S101, the method further includes:

[0064] Collecting account information of a credit card account, and creating and associating a unique address on the distributed ledger network based on the account information;

[0065] When the account information is changed, the associated address in the distributed ledger network is updated synchronously.

[0066] In this embodiment, in order to realize the association between the credit card account and the distributed ledger, the basic information of the credit card account, such as the cardholder's name, account number, credit limit, etc., is collected through the system of the credit card issuing institution, and a unique identifier is generated for each account. A unique address is created in the distributed ledger network based on the collected account information to ensure the uniqueness and security of the address. Specifically, the blockchain technology can be used to generate a unique address, which is usually a hash value of a public key. Each address will serve as the unique identifier of the corresponding credit card account in the distributed ledger network, and the credit card account information is associated with the generated address and recorded on the blockchain. The system is set to monitor the change event of the credit card account information. When the account information is detected to be changed, such as the credit card account has a new card opening, card cancellation or cardholder information change, the associated address in the distributed ledger is updated synchronously. The update operation needs to be verified by the network node and recorded on the blockchain to ensure the consistency and non-tamperability of the account information update. By associating the credit card account with the distributed ledger, the account information no longer depends on a single centralized database when managing credit card points, but is distributed throughout the network, reducing the risk of single point failure.

[0067] S102: Create a smart contract and deploy the smart contract to the distributed ledger network, where the smart contract is used to implement a mapping relationship between the points transaction data of the credit card account and the ledger data of the distributed ledger.

[0068] In one embodiment, a smart contract is created through a smart contract programming language such as Solidity or Vyper and deployed to a distributed ledger network. The smart contract is used to realize the mapping relationship between the credit card account's points transaction data and the distributed ledger's ledger data, that is, the rules and logic of the points transaction are defined in the smart contract to map the points transaction data to the processing logic of the ledger data, thereby accurately updating the ledger data. The automatic execution of the smart contract ensures the transparency and immutability of the points transaction, reducing manual intervention and errors.

[0069] S103. Monitor the transaction records of the credit card account through the nodes in the distributed ledger network, broadcast the monitored transaction records to the distributed ledger network, and receive and verify them by each node, wherein the transaction records include points transaction records and consumption transaction records.

[0070] In this embodiment, the transaction activities of the credit card account are monitored through the nodes in the distributed ledger network. These nodes can be servers of the credit card issuer or other participants in the distributed ledger network. The monitored transaction records will be packaged into blocks and broadcast to all nodes through the network. Preferably, the transaction records can be encrypted before broadcasting, and the transaction data can be signed and verified using an asymmetric encryption algorithm (such as RSA or ECDSA) to ensure the integrity and authenticity of the data. The encrypted transaction records are broadcast to the distributed ledger network through the network and received and verified by each node. Specific transaction records include points transaction records and consumption transaction records, among which points transaction records are transaction records directly using points as resources, such as consuming points to exchange for benefits, consuming points to exchange for gifts, etc., and consumption transaction records are transaction records generated by cardholders using credit cards to shop, pay fees, etc., and consumption transaction records can be used as the basis for points accumulation. By monitoring transaction records and uploading them to the chain, they are received and verified by various nodes in the distributed network, including checking signatures, transaction amounts, and account balances, to ensure that transactions comply with rules and requirements, and to achieve real-time sharing and verification of transaction records, thereby enhancing the system's response speed and data consistency.

[0071] S104: When the verification is passed, the smart contract is called, and the account data is updated according to the point transaction data associated with the transaction record through the smart contract and written into each node of the distributed account network.

[0072] In this embodiment, after the transaction record is broadcast, each node in the network will verify it to ensure the validity of the transaction. Once the transaction is verified, the smart contract will be triggered. According to the mapping relationship between the points transaction data and the ledger data in the smart contract, the ledger data will be updated based on the points transaction data associated with the current transaction record, and the updated ledger data will be written to each node of the distributed ledger network. By automatically calling the smart contract to update the ledger data in the network after verifying the monitored transaction records, real-time data updates are achieved, ensuring that the latest points information can be obtained, and the ledger data corresponding to the verified transaction records are updated and written into the distributed ledger, forming an unalterable transaction history, and ensuring the consistency of the data of each node through the consensus mechanism, improving the efficiency and security of the system.

[0073] In the above embodiment, the present invention discloses a distributed credit card points processing method, by obtaining the scene demand information of the credit card points, establishing a distributed ledger network according to the scene demand information and configuring the corresponding network parameters; creating a smart contract and deploying the smart contract to the distributed ledger network, the smart contract is used to realize the mapping relationship between the points transaction data of the credit card account and the ledger data of the distributed ledger; monitoring the transaction records of the credit card account through the nodes in the distributed ledger network, broadcasting the monitored transaction records to the distributed ledger network, and receiving and verifying them by each node, the transaction records include points transaction records and consumption transaction records; calling the smart contract after the verification is passed, and updating the ledger data according to the points transaction data associated with the transaction record through the smart contract and writing it into each node of the distributed ledger network. The management of credit card points is realized by jointly maintaining the ledger data through multiple nodes of the distributed ledger network, reducing the risk of single point failure, and the smart contract automatically executes the update of the ledger data, improving efficiency, and ensuring the real-time and security of the points data.

[0074] In one embodiment, Figure 2 As shown, step S101 includes:

[0075] S201, obtaining scenario demand information of credit card points, wherein the scenario demand information includes transaction frequency demand, data volume demand and security demand;

[0076] S202, determining a network architecture design according to the transaction frequency requirement and the data volume requirement, and creating a corresponding distributed ledger network on a preset platform according to the network architecture design, wherein the network architecture design includes a network topology, node type, node quantity, and node distribution location;

[0077] S203. Configure the hardware resource information of each node in the distributed ledger network according to the transaction frequency requirement and the data volume requirement, and configure the consensus mechanism, data synchronization mechanism and security mechanism between the nodes according to the security requirement.

[0078] In this embodiment, when creating and configuring a distributed ledger network, specific scenario requirement information about transaction frequency, data volume, and security in the credit card points scenario is collected. By analyzing the scenario requirement information, the transaction throughput, data storage capacity, and security level that the credit card points system needs to support can be determined, ensuring that the network design can meet the specific needs of the business, such as high-frequency transaction processing capabilities and data security requirements.

[0079] Determine the network architecture design based on the acquired transaction frequency and data volume requirements, including determining the network topology, node type, number of nodes and node distribution location of the network. For example, determine whether the network topology is a star, ring or mesh structure, determine the number of full nodes and light nodes in the network, as well as their roles and functions, and determine the geographical distribution of nodes based on business coverage and data synchronization requirements. The optimized network topology and node configuration can improve the points transaction processing speed and data synchronization efficiency.

[0080] At the same time, according to the transaction and data volume requirements, the corresponding hardware resources are configured for each node, such as allocating appropriate CPU, memory and storage resources to ensure the stable operation of the node. And according to the security requirements, the consensus mechanism, data synchronization mechanism and security mechanism between each node are configured. Among them, the consensus mechanism is to select a suitable consensus algorithm, such as proof of work (PoW), proof of equity (PoS) or Byzantine fault tolerance (BFT), etc., to ensure the consistency of data in each node; the data synchronization mechanism is to ensure that all nodes store the same copy of the ledger through methods such as blockchain architecture and block propagation; the security mechanism is to protect the distributed ledger from malicious attacks and tampering by configuring encryption technology, access control and other security measures to protect the security of data and transactions.

[0081] In one embodiment, Figure 3 As shown, step S102 includes:

[0082] S301, determining the points processing rules supported by the distributed ledger network, generating a corresponding smart contract according to the points processing rules, and the smart contract is used to update the ledger data according to the points transaction data and the points processing rules;

[0083] S302: compile and test the smart contract, and deploy the tested smart contract to the distributed ledger network.

[0084] In this embodiment, when deploying a smart contract, first determine the points processing rules supported by the distributed ledger network, such as clarifying the rules for obtaining, redeeming, and expiring points, and write smart contract code based on the points processing rules to ensure that the contract logic is correct, so that the smart contract can update the ledger data based on the points transaction data and the points processing rules, and realize functions such as adding, reducing, and querying points. The points processing rules are automatically executed through smart contracts to ensure that all transactions are executed consistently according to preset rules, reducing manual operations and errors.

[0085] Compile the smart contract code into deployable bytecode and test it. Specifically, you can first perform unit testing on each functional module of the smart contract to ensure that each part works as expected, then perform integration testing in a simulated blockchain environment to test the interaction between the smart contract and the blockchain network, and then perform security testing, including code auditing and vulnerability scanning, to ensure the security of the smart contract. The smart contract that passes all tests will be deployed to the distributed ledger network. The logic and rules of the deployed smart contract cannot be tampered with, ensuring its immutability and improving the security and reliability of the processing of the points data.

[0086] In one embodiment, Figure 4 As shown, step S104 includes:

[0087] S401, parsing the verified transaction record, confirming the transaction type of the transaction record and calculating the points transaction data associated with the transaction record;

[0088] S402, calling a corresponding smart contract according to the transaction type of the transaction record, and updating the account book data according to the corresponding points processing rules and the points transaction data associated with the transaction record through the smart contract;

[0089] S403: writing the updated ledger data into each node of the distributed ledger network through the consensus mechanism and data synchronization mechanism.

[0090] In this embodiment, the verified transaction records are parsed to identify the transaction type (such as consumption, points acquisition, points redemption, etc.), and the points transaction data associated with the transaction record is calculated according to the transaction type and business rules, such as points increase data or points reduction data, etc. The parsing of the transaction record allows the transaction type to be quickly followed up to calculate the points transaction data, and responds to transaction activities related to points efficiently and accurately. According to the transaction type, the node calls the corresponding smart contract, and the smart contract executes logic according to the preset points processing rules and the points transaction data associated with the transaction record, thereby updating the account book data, such as increasing or decreasing the user's points balance, etc. The nodes in the network verify the validity of the transaction through a consensus mechanism (such as PoW, PoS, etc.). After the verification is passed, the updated account book data is propagated in the network through a data synchronization mechanism, and all nodes receive the updated data and write it into the local account book copy. It ensures that only valid and verified transactions can update the account book, and once the updated account book data is written into the distributed account book, it cannot be tampered with by a single node, ensuring the security of the data.

[0091] In one embodiment, step S401 includes:

[0092] Parse the verified transaction records to obtain the transaction type, transaction amount and transaction object of the transaction records;

[0093] When the transaction type is a points transaction, the points transaction data directly associating the transaction amount with the transaction record;

[0094] When the transaction type is a consumption transaction, the transaction amount is converted into points according to the transaction object to obtain point transaction data associated with the transaction record.

[0095] In this embodiment, different types of transaction records can be processed in the distributed ledger network, and the transaction amount can be converted into points. Specifically, the verified transaction records are parsed first, key information such as specific fields or codes are extracted from the transaction records, and the transaction type, transaction amount and transaction object of the transaction record are obtained through the extracted key information, so as to provide a correct basis for subsequent processing. If the transaction type is a point transaction, such as a user consumes points to redeem rights or gifts, or obtains gift points when the activity conditions are met, the transaction amount is directly recorded as point transaction data, and the smart contract is called to update the user's point balance, and the corresponding point amount is increased or decreased; if the transaction type is a consumption transaction, the transaction amount is converted into points according to the transaction object and the point business rules. For example, according to the credit card point business rules, the consumption amount of different types of merchants can obtain corresponding points according to the corresponding ratio, and the corresponding points need to be returned when a refund occurs. The current applicable conversion ratio is determined through the transaction object and the point business rules, and the point transaction data associated with the transaction record is obtained, and the smart contract is called to update the user's point balance, and the corresponding point amount is increased or decreased. By parsing transaction records, different types of transaction records can be processed as points, which improves the flexibility of point processing. All transaction records and point conversion processes are carried out on the distributed ledger network, ensuring the security and non-tamperability of the data.

[0096] In one embodiment, the method further comprises:

[0097] Collecting operating indicator data of the distributed ledger network in real time, wherein the operating indicator data includes node status data and network delay data;

[0098] Performing status monitoring on the distributed ledger network according to the operation indicator data to confirm whether a node failure and / or a network failure occurs in the distributed ledger network;

[0099] When a node failure and / or network failure occurs, node failure recovery and / or network failure recovery processing is performed according to the preset exception handling mechanism.

[0100] In this embodiment, the operation index data of the distributed ledger network of the network is collected in real time through a monitoring tool or a custom monitoring script, including node status data, network delay data, transaction throughput, etc., so that the operation status of the network can be obtained in real time and possible network anomalies can be quickly responded to. A threshold for normal operation is set for each operation index, and the operation index data collected in real time is compared with the corresponding threshold, so as to monitor the status of the distributed ledger network, and continuously check whether each operation index data is within the normal range to confirm whether a node failure and / or a network failure occurs in the distributed ledger network. When the index exceeds the threshold, that is, when a node failure and / or a network failure occurs, the exception handling mechanism is triggered, and the corresponding node is restored through the recovery process in the exception handling mechanism. The node failure recovery and / or the network is processed for network failure recovery. The automated fault recovery mechanism can quickly restore the service and reduce the system downtime. If the automatic fault recovery processing of the exception handling mechanism is invalid, such as complex or location failures, a manual intervention notification is output to promptly remind the developer to perform manual fault insertion and recovery on the distributed ledger network, thereby improving the reliability of the system.

[0101] It should be noted that there is not necessarily a certain order between the above-mentioned steps. A person skilled in the art can understand, based on the description of the embodiments of the present invention, that in different embodiments, the above-mentioned steps may have different execution orders, that is, they may be executed in parallel, may be executed interchangeably, and so on.

[0102] Further references Figure 5 , as a response to the above Figure 1 The present invention provides an embodiment of a distributed credit card points processing device, which is similar to Figure 1 Corresponding to the method embodiment shown, the device can be specifically applied to various electronic devices.

[0103] like Figure 5 As shown, the distributed credit card points processing device 50 described in this embodiment includes:

[0104] The network establishment module 501 is used to obtain scenario demand information of credit card points, establish a distributed ledger network according to the scenario demand information, and configure corresponding network parameters;

[0105] A contract creation module 502, used to create a smart contract and deploy the smart contract to the distributed ledger network, wherein the smart contract is used to implement a mapping relationship between the credit card account's points transaction data and the distributed ledger's account data;

[0106] A transaction monitoring module 503 is used to monitor the transaction records of the credit card account through the nodes in the distributed ledger network, and broadcast the monitored transaction records to the distributed ledger network for reception and verification by each node, wherein the transaction records include points transaction records and consumption transaction records;

[0107] The points processing module 504 is used to call the smart contract after the verification is passed, and update the account data according to the points transaction data associated with the transaction record through the smart contract and write it into each node of the distributed account network.

[0108] The module referred to in the present invention refers to a series of computer program instruction segments that can perform specific functions, which are more suitable for describing the distributed credit card points processing execution process than programs. For the specific implementation of each module, please refer to the corresponding method embodiment above, which will not be repeated here.

[0109] In one embodiment, the device 50 further includes:

[0110] A collection module, used to collect account information of a credit card account, and create and associate a unique address in the distributed ledger network according to the account information;

[0111] The associated update module is used to synchronously update the associated address in the distributed ledger network when the account information changes.

[0112] In one embodiment, the network establishing module 501 includes:

[0113] A demand acquisition unit, used to acquire scenario demand information of credit card points, wherein the scenario demand information includes transaction frequency demand, data volume demand and security demand;

[0114] An architecture design unit, configured to determine a network architecture design according to the transaction frequency requirement and the data volume requirement, and to create a corresponding distributed ledger network on a preset platform according to the network architecture design, wherein the network architecture design includes a network topology, node type, node quantity, and node distribution location;

[0115] A network configuration unit is used to configure the hardware resource information of each node in the distributed ledger network according to the transaction frequency requirement and the data volume requirement, and to configure the consensus mechanism, data synchronization mechanism and security mechanism between each node according to the security requirement.

[0116] In one embodiment, the contract creation module 502 includes:

[0117] A rule determination unit, used to determine the points processing rules supported by the distributed ledger network, and generate a corresponding smart contract according to the points processing rules, wherein the smart contract is used to update the ledger data according to the points transaction data and the points processing rules;

[0118] The test deployment unit is used to compile and test the smart contract, and deploy the tested smart contract to the distributed ledger network.

[0119] In one embodiment, the integral processing module 504 includes:

[0120] A transaction analysis unit, used to analyze the verified transaction record, confirm the transaction type of the transaction record and calculate the points transaction data associated with the transaction record;

[0121] A contract calling unit, configured to call a corresponding smart contract according to a transaction type of the transaction record, and update the account book data through the smart contract according to a corresponding points processing rule and points transaction data associated with the transaction record;

[0122] A writing unit is used to write the updated ledger data into each node of the distributed ledger network through the consensus mechanism and data synchronization mechanism.

[0123] In one embodiment, the transaction parsing unit includes:

[0124] A parsing unit, used to parse the verified transaction records to obtain the transaction type, transaction amount and transaction object of the transaction records;

[0125] A first data association unit, configured to directly associate the transaction amount with the transaction record when the transaction type is a point transaction;

[0126] The second data association unit is used to convert the transaction amount into points according to the transaction object when the transaction type is a consumption transaction, so as to obtain the point transaction data associated with the transaction record.

[0127] In one embodiment, the apparatus 50 further includes:

[0128] An indicator data collection module, used to collect the operating indicator data of the distributed ledger network in real time, wherein the operating indicator data includes node status data and network delay data;

[0129] A status monitoring module, used to monitor the status of the distributed ledger network according to the operation indicator data, and confirm whether a node failure and / or a network failure occurs in the distributed ledger network;

[0130] The abnormality recovery module is used to perform node failure recovery and / or network failure recovery processing according to a preset abnormality handling mechanism when a node failure and / or network failure occurs.

[0131] In the above embodiment, the present invention discloses a distributed credit card points processing device, which obtains the scene demand information of the credit card points, establishes a distributed ledger network according to the scene demand information and configures the corresponding network parameters; creates a smart contract and deploys the smart contract to the distributed ledger network, the smart contract is used to realize the mapping relationship between the points transaction data of the credit card account and the ledger data of the distributed ledger; monitors the transaction records of the credit card account through the nodes in the distributed ledger network, broadcasts the monitored transaction records to the distributed ledger network, and is received and verified by each node, the transaction records include points transaction records and consumption transaction records; when the verification is passed, the smart contract is called, and the ledger data is updated according to the points transaction data associated with the transaction record through the smart contract and written into each node of the distributed ledger network. The management of credit card points is realized by jointly maintaining the ledger data through multiple nodes of the distributed ledger network, reducing the risk of single point failure, and the smart contract automatically executes the update of the ledger data, improving efficiency and ensuring the real-time and security of the points data.

[0132] Another embodiment of the present invention provides a computer device, such as Figure 6 As shown, the computer device 60 includes:

[0133] One or more processors 601 and memory 602, Figure 6 A processor 601 is used as an example for the description. The processor 601 and the memory 602 may be connected via a bus or other means. Figure 6 The example of connecting through bus is taken in the following.

[0134] Processor 601 is used to complete various control logics of computer device 60, and it can be a general-purpose processor, a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA), a single-chip microcomputer, an ARM (Acorn RISC Machine) or other programmable logic device, a discrete gate or transistor logic, a discrete hardware component or any combination of these components. In addition, processor 601 can also be any traditional processor, microprocessor or state machine. Processor 601 can also be implemented as a combination of computing devices, for example, a combination of a DSP and a microprocessor, a plurality of microprocessors, one or more microprocessors combined with a DSP and / or any other such configuration.

[0135] The memory 602 is a non-volatile computer-readable storage medium that can be used to store non-volatile software programs, non-volatile computer executable programs and modules, such as program instructions corresponding to the distributed credit card points processing method in the embodiment of the present invention. The processor 601 executes various functional applications and data processing of the computer device 60 by running the non-volatile software programs, instructions and units stored in the memory 602, that is, implementing the distributed credit card points processing method in the above method embodiment.

[0136] The memory 602 may include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application required for at least one function; the data storage area may store data created according to the use of the computer device 60, etc. In addition, the memory 602 may include a high-speed random access memory, and may also include a non-volatile memory, such as at least one disk storage device, a flash memory device, or other non-volatile solid-state storage device. In some embodiments, the memory 602 may optionally include a memory remotely arranged relative to the processor 601, and these remote memories may be connected to the computer device 60 via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof. One or more units are stored in the memory 602, and when executed by one or more processors 601, the steps of the distributed credit card points processing method in any of the above-mentioned method embodiments are executed.

[0137] In the above embodiment, the present invention discloses a computer device, which obtains the scenario demand information of credit card points, establishes a distributed ledger network according to the scenario demand information and configures corresponding network parameters; creates a smart contract and deploys the smart contract to the distributed ledger network, the smart contract is used to realize the mapping relationship between the credit card account's points transaction data and the distributed ledger's ledger data; monitors the transaction records of the credit card account through the nodes in the distributed ledger network, broadcasts the monitored transaction records to the distributed ledger network, and is received and verified by each node, the transaction records include points transaction records and consumption transaction records; when the verification is passed, the smart contract is called, and the smart contract is used to update the ledger data according to the points transaction data associated with the transaction record and write it into each node of the distributed ledger network. The management of credit card points is realized by jointly maintaining the ledger data through multiple nodes of the distributed ledger network, reducing the risk of single point failure, and the smart contract automatically executes the update of the ledger data, improving efficiency and ensuring the real-time and security of the points data.

[0138] An embodiment of the present invention provides a non-volatile computer-readable storage medium, which stores computer-executable instructions. When the computer-executable instructions are executed by one or more processors, the steps of the distributed credit card points processing method in any of the above method embodiments are executed.

[0139] In the above embodiment, the present invention discloses a non-volatile computer-readable storage medium, which obtains the scenario demand information of credit card points, establishes a distributed ledger network according to the scenario demand information and configures the corresponding network parameters; creates a smart contract and deploys the smart contract to the distributed ledger network, the smart contract is used to realize the mapping relationship between the credit card account's points transaction data and the distributed ledger's ledger data; monitors the transaction records of the credit card account through the nodes in the distributed ledger network, broadcasts the monitored transaction records to the distributed ledger network, and is received and verified by each node, the transaction records include points transaction records and consumption transaction records; when the verification is passed, the smart contract is called, and the smart contract is used to update the ledger data according to the points transaction data associated with the transaction record and write it into each node of the distributed ledger network. The management of credit card points is realized by jointly maintaining the ledger data through multiple nodes of the distributed ledger network, reducing the risk of single point failure, and the smart contract automatically executes the update of the ledger data, improving efficiency and ensuring the real-time and security of the points data.

[0140] Through the description of the above implementation methods, those skilled in the art can clearly understand that the above-mentioned embodiment methods can be implemented by means of software plus a necessary general hardware platform, and of course by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present invention, or the part that contributes to the prior art, can be embodied in the form of a software product, which is stored in a storage medium (such as ROM / RAM, a magnetic disk, or an optical disk), and includes a number of instructions for enabling a terminal device (which can be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to execute the methods described in each embodiment of the present invention.

[0141] The present invention can be used in many general or special computer system environments or configurations. For example: personal computers, server computers, handheld or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set-top boxes, programmable consumer electronic devices, network PCs, minicomputers, mainframe computers, distributed computing environments including any of the above systems or devices, etc. The present invention can be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present invention can also be practiced in distributed computing environments, in which tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

[0142] In summary, the present invention discloses a distributed credit card points processing method, device, equipment and medium, the method includes: obtaining the scene demand information of the credit card points, establishing a distributed ledger network according to the scene demand information and configuring the corresponding network parameters; creating a smart contract and deploying the smart contract to the distributed ledger network, the smart contract is used to realize the mapping relationship between the points transaction data of the credit card account and the ledger data of the distributed ledger; monitoring the transaction records of the credit card account through the nodes in the distributed ledger network, broadcasting the monitored transaction records to the distributed ledger network, and receiving and verifying them by each node, the transaction records include points transaction records and consumption transaction records; calling the smart contract after the verification is passed, and updating the ledger data according to the points transaction data associated with the transaction record through the smart contract and writing it into each node of the distributed ledger network. The management of credit card points is realized by jointly maintaining the ledger data through multiple nodes of the distributed ledger network, reducing the risk of single point failure, and the smart contract automatically executes and updates the ledger data, improving efficiency and ensuring the real-time and security of the points data.

[0143] Of course, those skilled in the art can understand that all or part of the processes in the above-mentioned embodiments can be implemented by instructing related hardware (such as a processor, a controller, etc.) through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium, and the computer program can include the processes of the above-mentioned method embodiments when executed. The storage medium can be a memory, a disk, a floppy disk, a flash memory, an optical storage device, etc.

[0144] It should be understood that the application of the present invention is not limited to the above examples. For ordinary technicians in this field, improvements or changes can be made based on the above description. All these improvements and changes should fall within the scope of protection of the claims attached to the present invention.

Claims

1. A distributed credit card points processing method, characterized in that: include: Obtaining scenario demand information for credit card points, establishing a distributed ledger network based on the scenario demand information, and configuring corresponding network parameters; Creating a smart contract and deploying the smart contract to the distributed ledger network, wherein the smart contract is used to implement a mapping relationship between the credit card account's points transaction data and the distributed ledger's ledger data; Monitoring the transaction records of the credit card account through the nodes in the distributed ledger network, broadcasting the monitored transaction records to the distributed ledger network, and receiving and verifying them by each node, wherein the transaction records include points transaction records and consumption transaction records; When the verification is passed, the smart contract is called, and the account book data is updated according to the point transaction data associated with the transaction record through the smart contract and written into each node of the distributed account book network.

2. The distributed credit card points processing method according to claim 1, characterized in that: After obtaining the scenario requirement information of the credit card points, establishing a distributed ledger network according to the scenario requirement information and configuring corresponding network parameters, the method further includes: Collecting account information of a credit card account, and creating and associating a unique address on the distributed ledger network based on the account information; When the account information is changed, the associated address in the distributed ledger network is updated synchronously.

3. The distributed credit card points processing method according to claim 1, characterized in that: The scenario requirement information for obtaining credit card points, establishing a distributed ledger network according to the scenario requirement information and configuring corresponding network parameters, includes: Obtaining scenario demand information for credit card points, the scenario demand information including transaction frequency requirements, data volume requirements, and security requirements; Determine the network architecture design according to the transaction frequency requirement and the data volume requirement, and create a corresponding distributed ledger network on a preset platform according to the network architecture design, wherein the network architecture design includes a network topology, node type, node quantity, and node distribution location; The hardware resource information of each node in the distributed ledger network is configured according to the transaction frequency requirements and data volume requirements, and the consensus mechanism, data synchronization mechanism and security mechanism between each node are configured according to the security requirements.

4. The distributed credit card points processing method according to claim 3, characterized in that: The step of creating a smart contract and deploying the smart contract to the distributed ledger network, wherein the smart contract is used to implement a mapping relationship between the credit card account's points transaction data and the distributed ledger's ledger data, includes: Determine the points processing rules supported by the distributed ledger network, generate a corresponding smart contract according to the points processing rules, and use the smart contract to update the ledger data according to the points transaction data and the points processing rules; The smart contract is compiled and tested, and the tested smart contract is deployed to the distributed ledger network.

5. The distributed credit card points processing method according to claim 4, characterized in that: The smart contract is called after the verification is passed, and the account book data is updated and written into each node of the distributed account book network according to the point transaction data associated with the transaction record through the smart contract, including: Parsing the verified transaction records, confirming the transaction type of the transaction records and calculating the points transaction data associated with the transaction records; Calling a corresponding smart contract according to the transaction type of the transaction record, and updating the account book data through the smart contract according to the corresponding points processing rules and the points transaction data associated with the transaction record; The updated ledger data is written into each node of the distributed ledger network through the consensus mechanism and data synchronization mechanism.

6. The distributed credit card points processing method according to claim 5, characterized in that: The parsing of the verified transaction record, confirming the type of the transaction record and calculating the points transaction data associated with the transaction record includes: Parse the verified transaction records to obtain the transaction type, transaction amount and transaction object of the transaction records; When the transaction type is a points transaction, the points transaction data directly associating the transaction amount with the transaction record; When the transaction type is a consumption transaction, the transaction amount is converted into points according to the transaction object to obtain point transaction data associated with the transaction record.

7. The distributed credit card points processing method according to claim 1, characterized in that: The method also includes: Collecting operating indicator data of the distributed ledger network in real time, wherein the operating indicator data includes node status data and network delay data; Performing status monitoring on the distributed ledger network according to the operation indicator data to confirm whether a node failure and / or a network failure occurs in the distributed ledger network; When a node failure and / or network failure occurs, node failure recovery and / or network failure recovery processing is performed according to the preset exception handling mechanism.

8. A distributed credit card points processing device, characterized in that: include: A network establishment module, used to obtain scenario demand information of credit card points, establish a distributed ledger network according to the scenario demand information, and configure corresponding network parameters; A contract creation module, used to create a smart contract and deploy the smart contract to the distributed ledger network, wherein the smart contract is used to implement a mapping relationship between the credit card account's points transaction data and the distributed ledger's account data; A transaction monitoring module, used to monitor the transaction records of the credit card account through the nodes in the distributed ledger network, broadcast the monitored transaction records to the distributed ledger network, and receive and verify them by each node, wherein the transaction records include points transaction records and consumption transaction records; The points processing module is used to call the smart contract after verification, and update the account data according to the points transaction data associated with the transaction record through the smart contract and write it into each node of the distributed account network.

9. A computer device, characterized in that: comprising at least one processor; and, a memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the distributed credit card points processing method described in any one of claims 1-7.

10. A non-volatile computer-readable storage medium, characterized in that: The non-volatile computer-readable storage medium stores computer-executable instructions, which, when executed by one or more processors, enable the one or more processors to execute the distributed credit card points processing method described in any one of claims 1-7.

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