Tobacco payment and settlement management method and system based on block chain

Abstract

The invention provides a tobacco payment and settlement management method and system based on a block chain, and relates to the field of computer systems. The method comprises the steps that a block chain access mode is established, clients, cooperation channels, docking banks and tobacco party systems in the tobacco ordering and settlement process are accessed to a block chain network through interfaces or protocols, and the method uses a combined management mode of protocol withholding, inter-bank active payment, multi-fund collection and four-party reconciliation. And various complex tobacco business scenes are coordinated and linked, fused and upgraded, and platform enabling is realized. A tobacco data storage and use system and technical standards can be perfected, tobacco business sales and management layout is expanded, and digital, networked and intelligent fusion development of the tobacco industry is promoted through digital transformation.

Description

Technical Field

[0001] The present invention relates to the field of computer systems, and in particular to a tobacco payment settlement management method and system based on blockchain. Background Art

[0002] Currently, tobacco payment and settlement services can only accept card binding or payment requests from the bank, but have not connected to the UnionPay channel to complete one-to-many construction. This means that the tobacco system needs to connect with multiple banks to meet the needs of channel suppliers to use different card issuers to bind cards for payment. This practice has led to problems such as duplicate product function construction and a single tobacco payment channel scenario.

[0003] The reasons for the above problems are that there are too many parties involved and the funds settlement model is not flexible enough, resulting in a lengthy overall reconciliation process and a high probability of error; the existing business connection and performance coupling is low, and there is a lack of a complete tobacco data storage and use system and technical standards; at the same time, due to the lack of access to the UnionPay channel, tobacco payment and settlement business cannot achieve one-to-many construction, resulting in duplicate product function construction and a single tobacco payment channel scenario; and the current tobacco system lacks a complete tobacco data storage and use system and technical standards, which will affect the accuracy and completeness of the data. Summary of the invention

[0004] In response to the needs raised in the above background technology, this method studies the tobacco business settlement management method based on blockchain technology, aiming to build a tobacco-specific fund transaction settlement management model based on blockchain technology. The goal is to integrate single-scenario products, provide diversified tobacco payment channels and fund collection and clearing methods, meet the settlement requirements of the two major modes of inter-bank active payment and batch deduction of the bank, provide full-chain and full-scenario fund settlement services for the upstream and downstream of the tobacco industry chain, and explore the practical application scenarios of blockchain technology.

[0005] This method can solve the problems of low coupling degree of business connection and fulfillment between tobacco-related parties, repeated construction of product functions, and inflexible fund settlement mode. Relying on the lossless flow of data, information traceability and non-tamperability of blockchain technology, it supports the construction of diversified card binding payment deduction and tobacco payment batch settlement collection system, and realizes the two-way integration of fund flow and information flow. It provides a set of integrated sharing, collaborative linkage, precise and flexible resource service platform methods for banks, payment channel suppliers and tobacco bureaus.

[0006] A tobacco payment settlement management method based on blockchain, the specific steps include:

[0007] Step 1: Establish a blockchain access model. First, through a specific interface or protocol, all parties in the tobacco order settlement process (customers, cooperation channels, docking banks and tobacco systems) are connected to the blockchain network. At this time, all parties reach a consensus in the blockchain network, share data, and jointly maintain the data in the blockchain, such as agreement content, order information, reconciliation details or settlement flow, etc.

[0008] Step 2: Agreement management: retailers and cigarette ordering customers sign tobacco settlement and deduction agreements with banks directly through bank counters, smart counters, and mobile banking; banks conduct risk authentication on customer identity information and contracted accounts, and once passed, the contract information is encrypted and uploaded to the blockchain through blockchain nodes.

[0009] After the tobacco company has reviewed and approved the contract information, it will upload the result through the node for synchronization, and the bank will modify the contract status; in this way, the contract information can be stored and verified on the blockchain;

[0010] Step 3: Agreement on deduction. After the retailer and the cigarette ordering customer complete the contract for tobacco deduction, they place an order with the tobacco system. The tobacco system processes the order request and generates batch deduction information, and encrypts the batch deduction information and data on the chain. The corresponding issuing bank decrypts the transaction information with a secret key and automatically deducts the order amount. After the deduction is completed, the result is encrypted on the chain and the tobacco system decrypts the result with a secret key. The tobacco party will then supply the order offline if the deduction is successful.

[0011] Furthermore: the agreement management also includes financial card binding. In this step, customers can sign the contract conveniently at clearing bank outlets and non-outlets, or on the Tobacco Bureau's WEB terminal, mini program or H5 page.

[0012] The clearing bank is responsible for authenticating the contract information and encrypting the contract information data on the chain, and the tobacco system synchronizes the contract results.

[0013] Financial card binding supports multiple types of financial accounts, including debit cards, credit cards, electronic accounts, stored-value cards, and other account system derivatives.

[0014] Financial card binding also supports stored-value card binding mode. When customers sign contracts using stored-value cards, they need to bind a debit card as a deposit card and sign an agreement to ensure that the current stored-value balance is not less than the alarm value M. When the account balance is lower than the agreed value M, the set funds N yuan will be automatically transferred from the bound debit card. When customers bind stored-value cards to sign contracts, they can quickly verify and quickly complete order payment when placing an order without waiting for the payment result of the issuing bank.

[0015] Further: the said agreement deduction includes active payment by this or other bank. This or other bank actively pays and designates a clearing bank to uniformly handle orders generated by the tobacco party's WEB terminal, mini program or H5 page. The clearing bank verifies the customer's card binding information, connects to the UnionPay channel and hands over the payment information to the issuing banks for inter-bank payment.

[0016] The clearing bank will feedback the payment result to the tobacco party and encrypt the order payment details and synchronize them on the chain to complete the customer's active payment.

[0017] By utilizing active payments from other banks, we have established a multi-channel and multi-type active payment model. Cigarette ordering customers can independently choose the payment method for their orders, and we support inter-bank payments using stored-value cards, debit cards, and credit cards.

[0018] Furthermore: the agreed withholding also includes fund collection and settlement and four-party reconciliation management;

[0019] Specifically, in the active withholding mode, the bank temporarily deposits the withheld funds of tobacco orderers in the bank's internal account, and settles the withheld funds of T on T+1. By adopting the method of synchronous storage on the clearing information chain, the information of fund collection and payment at each level is clear and traceable, shielding the risk of misappropriation of key funds and forming substantive tobacco settlement fund supervision.

[0020] The data storage in the four-party reconciliation management adopts the distributed ledger mode, and each participating node has a full ledger and can maintain it. The participating nodes include: tobacco node, clearing bank node, UnionPay channel node, and issuing bank node.

[0021] Further: A tobacco payment settlement management system based on blockchain, comprising:

[0022] Blockchain access module, which connects customers, cooperative channels, docking banks and tobacco systems in the tobacco order settlement process to the blockchain network through specific interfaces or protocols;

[0023] Agreement management module, which enables retailers and cigarette ordering customers to sign tobacco settlement and debit agreements with banks directly through bank counters, smart counters, and mobile banking;

[0024] The agreement deduction module is used after the retailer and the cigarette ordering customer complete the tobacco deduction contract. The module places an order to the tobacco system. The tobacco system processes the order request and generates batch deduction information, encrypts the batch deduction information and data on the chain, and the corresponding issuing bank automatically decrypts the transaction information with a secret key for the ordered cigarettes.

[0025] Further: A terminal device comprises: a processor, a storage medium and a bus, the storage medium stores machine-readable instructions executable by the processor, when the terminal device is running, the processor and the storage medium communicate through the bus, and the processor executes the machine-readable instructions to perform the steps of the deep learning model training method described in the aforementioned embodiments.

[0026] Further: A storage medium storing a computer program, wherein the computer program executes the steps of the above method when executed by a processor.

[0027] Beneficial effects of the invention: This method studies the tobacco business settlement management method based on blockchain technology, aiming to build a tobacco-specific fund transaction settlement management model based on blockchain technology. The goal is to integrate single-scenario products, provide diversified tobacco payment channels and fund collection and clearing methods, meet the settlement requirements of the two major modes of inter-bank active payment and batch deduction of the bank, provide full-chain and full-scenario fund settlement services for the upstream and downstream of the tobacco industry chain, and explore the practical application scenarios of blockchain technology.

[0028] Technical advantages of this application:

[0029] 1. In the traditional tobacco customer payment model, issuing cards can only accept card binding or payment requests from the same bank. Therefore, the tobacco system is connected to multiple banks at the same time to meet the needs of channel suppliers to use different issuing banks to bind cards for payment. There is a problem of duplicate product function construction. This method provides a solution to this problem, incorporating the roles of clearing banks and UnionPay payment channels, that is, tobacco active payment uses a "1+N" clearing bank docking model, which reduces the cost of related system construction and improves product docking efficiency.

[0030] 2. This application uses the combined management model of "agreement deduction + inter-bank active payment + multi-fund collection + four-party reconciliation" to coordinate and integrate various complex tobacco business scenarios and upgrade them to achieve platform empowerment. It can improve the tobacco data storage and use system and technical standards, expand the tobacco business sales and management layout, and promote the digital, networked, and intelligent integrated development of the tobacco industry through digital transformation.

[0031] Blockchain uses a shared database model, and the data or information stored in it has the characteristics of "unforgeable", "full traceability", "traceability", "openness and transparency", and "collective maintenance". In the tobacco payment settlement model connected to the blockchain, after the order information is uploaded to the chain, the blockchain will take the initiative to notify all related party nodes uniformly, which can better ensure the synchronization and security of the notification. At the same time, based on the characteristics of the blockchain, data can be interacted without directly through the interface, reducing the access threshold. BRIEF DESCRIPTION OF THE DRAWINGS

[0032] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required for use in the embodiments are briefly introduced below. It should be understood that the following drawings only show certain embodiments of the present invention and therefore should not be regarded as limiting the scope. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without creative work.

[0033] Figure 1 A flow chart of the method of the present invention is shown.

[0034] Figure 2 A schematic diagram of the composition of the system of the present invention is shown.

[0035] Figure 3 A schematic diagram showing the composition of the terminal device of the present invention is shown. DETAILED DESCRIPTION

[0036] In order to make the purpose, technical solution and advantages of the embodiment of the present invention clearer, the technical solution in the embodiment of the present invention will be clearly and completely described in conjunction with the drawings in the embodiment of the present invention. It should be understood that the drawings in the present invention only serve the purpose of illustration and description and are not used to limit the scope of protection of the present invention. In addition, it should be understood that the schematic drawings are not drawn in real proportion. The flowcharts used in the present invention illustrate the operations implemented according to some embodiments of the present invention. It should be understood that the operations of the flowchart can be implemented out of sequence, and the steps without logical context can be reversed in order or implemented simultaneously. In addition, under the guidance of the content of the present invention, those skilled in the art can add one or more other operations to the flowchart, or remove one or more operations from the flowchart.

[0037] In addition, the embodiments described in the present invention are only some embodiments of the present invention, rather than all embodiments. The components of the embodiments of the present invention generally described and shown in the drawings herein can be arranged and designed in various different configurations. Therefore, the following detailed description of the embodiments of the present invention provided in the drawings is not intended to limit the scope of the claimed invention, but merely represents selected embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without making creative work belong to the scope of protection of the present invention.

[0038] It should be noted that the term "comprising" will be used in the embodiments of the present invention to indicate the existence of the features declared thereafter, but does not exclude the addition of other features. It should also be noted that similar reference numerals and letters represent similar items in the following drawings, so once an item is defined in one drawing, it does not need to be further defined and explained in subsequent drawings. In the description of the present invention, it should also be noted that the terms "first", "second", "third", etc. are only used to distinguish the description and cannot be understood as indicating or implying relative importance.

[0039] The case is described in detail below with reference to the accompanying drawings in the specification.

[0040] The present invention provides a tobacco payment settlement management method based on blockchain, which specifically includes the following steps:

[0041] Step 1: Establish a blockchain access model. First, through a specific interface or protocol, all parties in the tobacco order settlement process (customers, cooperation channels, docking banks and tobacco systems) are connected to the blockchain network. At this time, all parties reach a consensus in the blockchain network, share data, and jointly maintain the data in the blockchain, such as agreement content, order information, reconciliation details or settlement flow, etc.

[0042] Step 2: Agreement management: retailers and cigarette ordering customers sign tobacco settlement and deduction agreements with banks directly through bank counters, smart counters, and mobile banking; banks conduct risk authentication on customer identity information and contracted accounts, and once passed, the contract information is encrypted and uploaded to the blockchain through blockchain nodes.

[0043] After the tobacco company has reviewed and approved the contract information, it will upload the result through the node for synchronization, and the bank will modify the contract status; in this way, the contract information can be stored and verified on the blockchain;

[0044] Step 3: Agreement on deduction. After the retailer and the cigarette ordering customer complete the contract for tobacco deduction, they place an order with the tobacco system. The tobacco system processes the order request and generates batch deduction information, and encrypts the batch deduction information and data on the chain. The corresponding issuing bank decrypts the transaction information with a secret key and automatically deducts the order amount. After the deduction is completed, the result is encrypted on the chain and the tobacco system decrypts the result with a secret key. The tobacco party will then supply the order offline if the deduction is successful.

[0045] The agreement management also includes financial card binding. In this step, customers can sign the contract conveniently at clearing bank outlets and non-outlets, or at the Tobacco Bureau's WEB terminal, mini program or H5 page.

[0046] The clearing bank is responsible for authenticating the contract information and encrypting the contract information data on the chain, and the tobacco system synchronizes the contract results.

[0047] Financial card binding supports multiple types of financial accounts, including debit cards, credit cards, electronic accounts, stored-value cards, and other account system derivatives.

[0048] Financial card binding also supports stored-value card binding mode. When customers sign contracts using stored-value cards, they need to bind a debit card as a deposit card and sign an agreement to ensure that the current stored-value balance is not less than the alarm value M. When the account balance is lower than the agreed value M, the set funds N yuan will be automatically transferred from the bound debit card. When customers bind stored-value cards to sign contracts, they can quickly verify and quickly complete order payment when placing an order without waiting for the payment result of the issuing bank.

[0049] Based on financial card binding, a multi-channel supplier cigarette ordering user contract binding module is built, including a clearing bank + multiple issuing banks model.

[0050] The agreed deduction includes active payment by this or other banks. This or other banks actively pay and designate a clearing bank to uniformly handle orders generated by the tobacco party's WEB terminal, mini program or H5 page. The clearing bank verifies the customer's card binding information, connects to the UnionPay channel and hands over the payment information to the issuing banks for inter-bank payment.

[0051] The clearing bank will feedback the payment result to the tobacco party and encrypt the order payment details and synchronize them on the chain to complete the customer's active payment.

[0052] By utilizing active payments from other banks, we have established a multi-channel and multi-type active payment model. Cigarette ordering customers can independently choose the payment method for their orders, and we support inter-bank payments using stored-value cards, debit cards, and credit cards.

[0053] Agreement withholding also includes fund collection and settlement and four-party reconciliation management;

[0054] Specifically, in the active withholding mode, the bank temporarily deposits the withheld funds of tobacco orderers in the bank's internal account, and settles the withheld funds of T on T+1. By adopting the method of synchronous storage on the clearing information chain, the information of fund collection and payment at each level is clear and traceable, shielding the risk of misappropriation of key funds and forming substantive tobacco settlement fund supervision.

[0055] The data storage in the four-party reconciliation management adopts the distributed ledger mode, and each participating node has a full ledger and can maintain it. The participating nodes include: tobacco node, clearing bank node, UnionPay channel node, and issuing bank node.

[0056] like Figure 2 As shown, the system of the present invention comprises:

[0057] Blockchain access module, which connects customers, cooperative channels, docking banks and tobacco systems in the tobacco order settlement process to the blockchain network through specific interfaces or protocols;

[0058] Agreement management module, which enables retailers and cigarette ordering customers to sign tobacco settlement and debit agreements with banks directly through bank counters, smart counters, and mobile banking;

[0059] The agreement deduction module is used after the retailer and the cigarette ordering customer complete the tobacco deduction contract. The module places an order to the tobacco system. The tobacco system processes the order request and generates batch deduction information, encrypts the batch deduction information and data on the chain, and the corresponding issuing bank automatically decrypts the transaction information with a secret key for the ordered cigarettes.

[0060] like Figure 3 As shown, the terminal device 6 may include: a processor 601, a storage medium 602 and a bus 603, the storage medium 602 stores machine-readable instructions executable by the processor 601, when the terminal device is running, the processor 601 communicates with the storage medium 602 via the bus 603, and the processor 601 executes the machine-readable instructions to execute the steps of the tobacco payment settlement management method based on blockchain as described in the above embodiment. The specific implementation method and technical effect are similar and will not be repeated here.

[0061] For ease of description, only one processor is described in the above terminal device. However, it should be noted that in some embodiments, the terminal device in the present invention may also include multiple processors, so the steps performed by one processor described in the present invention may also be performed jointly or individually by multiple processors.

[0062] The above are only specific embodiments of the present invention, but the protection scope of the present invention is not limited thereto. Any person skilled in the art who is familiar with the technical field can easily think of changes or substitutions within the technical scope disclosed by the present invention, which should be included in the protection scope of the present invention. Therefore, the protection scope of the present invention should be based on the protection scope of the claims.

Claims

1. A tobacco payment settlement management method based on blockchain, characterized in that: The specific steps include: Step 1: Establish a blockchain access model. First, connect customers, cooperation channels, docking banks and tobacco systems in the tobacco order settlement process to the blockchain network through interfaces or protocols; Step 2: Agreement management: retailers and cigarette ordering customers sign tobacco settlement and debit agreements with banks directly through bank counters, smart counters, and mobile banking. Banks conduct risk authentication on customer identity information and contracted accounts, and after passing, encrypt the contract information through blockchain nodes and upload it to the chain. After the tobacco party approves the contract information, it uploads the result through the node for synchronization, and the bank modifies the contract status. Contract and contract information can be stored and verified on the blockchain. Step 3: Agreement on deduction. After the retailer and the cigarette ordering customer complete the contract for tobacco deduction, they place an order with the tobacco system. The tobacco system processes the order request and generates batch deduction information, and encrypts the batch deduction information and data on the chain. The corresponding issuing bank decrypts the transaction information with a secret key and automatically deducts the order amount. After the deduction is completed, the result is encrypted on the chain and the tobacco system decrypts the result with a secret key. The tobacco party will then supply the order offline if the deduction is successful.

2. The method according to claim 1, characterized in that: The agreement management also includes financial card binding. In this step, customers can sign contracts conveniently at clearing bank outlets and non-outlets, or at the Tobacco Bureau's WEB terminal, mini-program or H5 page; the clearing bank is responsible for identity authentication of the contract information, and encrypting the contract information data and uploading it to the chain, and the tobacco system synchronizes the contract results.

3. The method according to claim 1, characterized in that: The agreed deduction includes active payment by this or other banks. This or other banks actively pay and designate a clearing bank to uniformly handle orders generated by the tobacco party's WEB terminal, mini program or H5 page. The clearing bank verifies the customer's card binding information, connects to the UnionPay channel and hands over the payment information to the issuing banks for inter-bank payment.

4. The method according to claim 1, characterized in that: Agreement withholding also includes fund collection and settlement and four-party reconciliation management; Fund collection and settlement is specifically in the active withholding mode, where the bank temporarily deposits the withheld funds of the tobacco orderer in the bank's internal account, and settles the withheld funds of T on T+1 day; The data storage in the four-party reconciliation management adopts a distributed ledger model, and the participating nodes include: tobacco party node, clearing bank node, UnionPay channel node, and issuing bank node.

5. A tobacco payment settlement management system based on blockchain, characterized in that: include: Blockchain access module, protocol management module and protocol deduction module, among which, The blockchain access module is used to establish a blockchain access mode. First, through an interface or protocol, customers, cooperative channels, docking banks and tobacco systems in the tobacco order settlement process are connected to the blockchain network; The agreement management module is used for agreement management. Retailers and cigarette ordering customers sign tobacco settlement and debit agreements with banks directly through bank counters, smart counters, and mobile banking. Banks conduct risk authentication on customer identity information and contracted accounts, and after passing, encrypt the contract information through blockchain nodes and upload it to the chain. After the tobacco party approves the contract information, it uploads the result through the node for synchronization, and the bank modifies the contract status. The contract and contract information can be stored and verified on the blockchain. The agreement deduction module is used for agreement deduction. After the retailer and the cigarette ordering customer complete the tobacco deduction contract, they place an order with the tobacco system; the tobacco system processes the order request and generates batch deduction information, and encrypts the batch deduction information and data on the chain; the corresponding issuing bank decrypts the transaction information through the secret key and automatically deducts the order amount; after the deduction is completed, the result is encrypted on the chain and the tobacco system decrypts the result with the secret key. The tobacco party will supply the order offline after the successful deduction.

6. The system according to claim 5, characterized in that The agreement management also includes financial card binding. In this step, customers can sign contracts conveniently at clearing bank outlets and non-outlets, or at the Tobacco Bureau's WEB terminal, mini-program or H5 page; the clearing bank is responsible for identity authentication of the contract information, and encrypting the contract information data and uploading it to the chain, and the tobacco system synchronizes the contract results.

7. The system according to claim 5, characterized in that The agreed deduction includes active payment by this or other banks. This or other banks actively pay and designate a clearing bank to uniformly handle orders generated by the tobacco party's WEB terminal, mini program or H5 page. The clearing bank verifies the customer's card binding information, connects to the UnionPay channel and hands over the payment information to the issuing banks for inter-bank payment.

8. The system according to claim 5, characterized in that Agreement withholding also includes fund collection and settlement and four-party reconciliation management; Fund collection and settlement is specifically in the active withholding mode, where the bank temporarily deposits the withheld funds of the tobacco orderer in the bank's internal account, and settles the withheld funds of T on T+1 day; The data storage in the four-party reconciliation management adopts a distributed ledger model, and the participating nodes include: tobacco party node, clearing bank node, UnionPay channel node, and issuing bank node.

9. A terminal device, characterized in that: include: A processor, a storage medium and a bus, wherein the storage medium stores machine-readable instructions executable by the processor, and when the terminal device is running, the processor communicates with the storage medium via the bus, and the processor executes the machine-readable instructions to perform the steps of the method according to any one of claims 1 to 4.

10. A storage medium, characterized in that: The storage medium stores a computer program, and when the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 4 are executed.

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