Settlement method and system

Abstract

The invention discloses a settlement method and system, and belongs to the technical field of electronic payment, a settlement center obtains distributed goods of a distribution center by reading an encrypted identity code of the distribution center, obtains identity information, industry and commerce information and address information of the distribution center at the same time, and uploads the information to an internet supervision platform built in the distribution center; the settlement center performs distribution cost settlement on the distribution center according to the acquired distribution cargo information, and stores the settled distribution cost in a security account set in the settlement center by the distribution merchant; the distribution center reads the encrypted identity code of the distribution terminal, obtains the identity information, the biological information and the distribution cargo information of the distribution terminal, completes the settlement of the distribution cost of the distribution terminal according to the obtained distribution cargo information, and stores the settled distribution cost in a security account set in the settlement center by the distribution terminal; the problems that in the prior art, settlement timeliness is not high, and safety is low are solved.

Description

Technical Field

[0001] The present invention belongs to the technical field of electronic payment, and in particular relates to a settlement method and system. Background Art

[0002] At present, logistics fee payment is mainly in real-time checkout modes such as cash, bank cards, and online payment. With the advent of the information age, people's demand for online payment is getting higher and higher and more and more frequent. However, there are many problems with the existing fee settlement methods, such as the risk of theft when receiving delivery fees and untimely receipt of fee payments. Summary of the invention

[0003] In view of the problems existing in the prior art such as risks in delivery costs and low payment timeliness, the present invention proposes a settlement method and system, the purpose of which is to improve the security and timeliness of payment.

[0004] To achieve the above-mentioned purpose, the technical solution adopted by the present invention is: A settlement method, wherein a settlement center obtains the in-transit delivery goods information and the to-be-allocated delivery goods information of the distribution center by reading the encrypted identity code of the distribution center, and simultaneously obtains the identity information, business information, and address information of the distribution center and uploads them to the Internet supervision platform built into the settlement center; the settlement center settles the delivery costs for the distribution center based on the acquired in-transit delivery goods information and the to-be-allocated delivery goods information, and stores the settled delivery costs in a security account set up by the distribution center in the settlement center; the distribution center reads the encrypted identity code of the distribution terminal, obtains the identity information, biometric information, and in-transit delivery goods information of the distribution terminal, and completes the delivery cost settlement for the distribution terminal based on the acquired in-transit delivery goods information, and stores the settled delivery costs in a security account set up by the distribution terminal in the settlement center; The settlement center has built-in security modules and blockchain encryption modules to monitor the settlement of each delivery fee and freeze abnormal transactions in real time.

[0005] Preferably, the distribution center and the settlement center are interconnected via the Internet; the settlement center stores the identity information, address information, distribution capacity information and business information of all distribution centers; the settlement center stores the identity information and biometric information of all distribution terminals.

[0006] Preferably, the delivery terminal is equipped with a biometric recognition system that can verify the iris and fingerprint at the beginning of each delivery. Once it is discovered that the person making the delivery is not the one bound to the delivery terminal, an alarm will be immediately processed through the Internet supervision platform built into the settlement center, and the delivery terminal will be located; the security assurance module and blockchain encryption module installed in the settlement center are responsible for monitoring the financial security of the settlement process.

[0007] Preferably, when the delivery personnel completes the delivery of the goods, they are required to perform biometric identification at the delivery terminal, and can only click to confirm delivery after the information is consistent with the information recorded by the delivery terminal. The user who receives the delivered goods confirms receipt at the delivery terminal after confirming the delivery of the goods; the settlement center pays the delivery fee to the distribution center after receiving the confirmation receipt information, and the distribution center pays the delivery fee to the delivery terminal after receiving the confirmation receipt information.

[0008] Preferably, the built-in security module of the settlement center monitors the delivery fees obtained by the distribution center, and integrates and backs up the delivery fees obtained by the distribution center every month and for each order. Once a large and abnormal flow of funds is detected, the security account of the distribution center will be frozen immediately; if there is no abnormality in the delivery fees, they will be transferred from the distribution center to the designated account every six months.

[0009] Preferably, the built-in security module of the settlement center monitors the delivery fees obtained by the delivery terminals, and integrates and backs up the delivery fees obtained by the delivery terminals every month and for each order. Once a large and abnormal flow of funds is detected, the security account of the delivery terminal will be immediately frozen; if there is no abnormality in the delivery fees, they will be transferred from the delivery terminal to the designated account every six months.

[0010] Preferably, the blockchain encryption module built into the settlement center adopts blockchain encryption technology, which consists of a series of interconnected blocks. Each block contains a set of transaction data and a timestamp, as well as reference data pointing to the previous block, and uses a hash function to generate the hash value of the block, which together form a protection link to block Trojans and viruses.

[0011] A settlement system, characterized in that it comprises the following modules: Settlement center module, distribution center module, distribution terminal module, security center module; Settlement center module: obtain the in-transit delivery goods information and the to-be-allocated delivery goods information of the distribution center module, and at the same time obtain the identity information, business information, and address information of the distribution center module and upload them to the Internet supervision platform built into the settlement center module; settle the delivery costs of the distribution center module based on the acquired in-transit delivery goods information and the to-be-allocated delivery goods information, and store the settled delivery costs in the security account set up by the distribution center in the settlement center module; Distribution center module: reads the encrypted identity code of the distribution terminal module, obtains the identity information, biometric information, and in-transit distribution goods information of the distribution terminal module, completes the settlement of the distribution fee for the distribution terminal module based on the obtained in-transit distribution goods information, and stores the settled distribution fee in the security account of the distribution terminal module built into the settlement center module; Delivery terminal module: equipped with a biometric recognition system that can verify irises and fingerprints at the beginning of each delivery. Once it is found that the person making the delivery is not the one bound to the delivery terminal module, an alarm will be immediately processed through the Internet supervision platform built into the settlement center module; Security center module: It has a built-in security platform and blockchain encryption platform to monitor the settlement of each delivery fee and freeze abnormal transactions in real time.

[0012] Preferably, the blockchain encryption platform adopts blockchain technology to encrypt the entire settlement transaction process. The blockchain used adopts a chain data structure, which is composed of a series of blocks connected in a specific order. Each block contains a certain amount of transaction data information and block header information. The block header includes the hash value of the previous block, timestamp, random number, and hash value used to verify the content of the block. Each block in the blockchain is linked together through the hash value of the previous block.

[0013] Preferably, the security assurance platform records the amount of each delivery fee of the distribution terminal module and establishes a flow model. Once an abnormal amount is detected, the security account of the distribution terminal will be immediately frozen; the security assurance platform records the amount of each delivery fee of the distribution center module and establishes a flow model. Once an abnormal amount is detected, the security account of the distribution center module will be immediately frozen.

[0014] Compared with the prior art, the technical solution of the present invention has the following advantages / benefits: 1. The security of transactions is improved by conducting hierarchical monitoring of distribution costs, making hierarchical payments to distribution centers and distribution terminals, and setting up security accounts.

[0015] 2. The integrated biometric system of the delivery terminal ensures that every delivery merchant is authenticated, which improves user safety and reduces the probability of home robbery under the guise of delivering goods.

[0016] 3. The timeliness of delivery fee payment is improved by the verification method of confirming delivery through communication between the delivery merchant and the user.

[0017] 4. Through blockchain encryption technology, the entire chain of transaction settlement process is encrypted. Each block in the blockchain is linked together through the hash value of the previous block, forming an unalterable data chain, which greatly increases the security of the transaction. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required for use in the embodiments will be 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 paying creative work.

[0019] Figure 1 It is a schematic diagram of a settlement method of the present invention.

[0020] Figure 2 It is a schematic diagram of a settlement system of the present invention. DETAILED DESCRIPTION

[0021] In order to make the purpose, technical solutions and advantages of the present invention clearer, the technical solutions in the embodiments of the present invention are clearly and completely described below. Obviously, the described embodiments are part of the embodiments of the present invention, rather than all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in the field without creative work are within the scope of protection of the present invention. Therefore, the detailed description of the embodiments of the present invention provided below is not intended to limit the scope of the claimed invention, but merely represents the selected embodiments of the present invention.

[0022] It should be noted that similar reference numerals and letters denote similar items in the following drawings, and thus, once an item is defined in one drawing, it may not be further defined or explained in the subsequent drawings.

[0023] Example 1: In real life, the settlement of fees after goods delivery is encountered all the time, but the existing payment methods are not only not safe enough, but also not timely. Not only merchants will be defrauded of money by unscrupulous delivery units, but sometimes delivery units will also suffer losses because the collection accounts are not protected. How to get a settlement method that is guaranteed for both parties is a major problem currently faced.

[0024] Essentially, finance is based on credit. The Internet cannot completely solve the problem of property transfer in the real world. The existing technology uses multiple institutions to exchange data, information and value with each other, which requires the establishment of a complex and huge credit system to prevent the possibility of human tampering with data to defraud money. There are still huge risks.

[0025] like Figure 1 As shown, the present invention provides a settlement method that can solve the above problems.

[0026] The delivery terminal identifies the identity information of the delivery personnel and uploads the information of the goods delivered by the delivery terminal to the settlement center. Since the settlement center has a built-in large model for automatic identification of delivery personnel, the authenticity and safety of the delivery personnel is ensured, and the losses caused by theft of accounts can be avoided. It can not only reduce certain losses economically, but also avoid the social dangers caused by unidentified persons stealing accounts.

[0027] The settlement center settles the goods information and delivery distance delivered by the distribution center, and pays the delivery fee to the distribution center in time; the settlement center has a built-in security platform to monitor the settlement of each delivery fee, freeze abnormal transactions in real time, and store the settled delivery fees in the security account set up by the distribution center in the settlement center. The setting of the security account greatly protects the property safety of the distribution center, because the security account cannot be withdrawn immediately, so that even if the account is stolen, the distribution center has enough time to recover the account or take other measures.

[0028] The distribution center settles the goods information and distribution distance of the distribution terminal and pays the distribution fee to the distribution terminal in time; the settlement center has a built-in security platform to monitor the settlement of each distribution fee, freeze abnormal transactions in real time, and store the settled distribution fees in the security account set up by the distribution terminal in the settlement center. The setting of the security account greatly protects the property safety of the distribution terminal, because the security account cannot be withdrawn immediately, so that even if the account is stolen, the distribution terminal has enough time to recover the account or take other measures.

[0029] The settlement center uses blockchain encryption technology, which consists of a series of interconnected blocks. Each block contains a set of transaction data and a timestamp, as well as reference data pointing to the previous block. It uses a hash function to generate the hash value of the block and processes the transaction data generated by each transaction, reducing the risk of account theft.

[0030] As a decentralized database, blockchain is naturally consistent with finance. Blockchain technology will strengthen the big data credit mechanism, encrypt and record digital assets and store them. All nodes in the blockchain network will store exactly the same information, which will promote the convenience and speed of financial transactions. Blockchain technology connects mutually untrusted nodes to complete trust transfer and achieve effective connection and efficient collaboration between participants. All digital asset data on the chain cannot be tampered with and can be traced, which will increase the cost of dishonesty for institutions and individuals and improve the security of financial transactions.

[0031] In other words, before settling fees for the distribution center, the settlement center will monitor the entire financial path of the distribution center. Once any network node error is found, the entire transaction process will be blocked immediately, which greatly improves transaction security. In addition, due to the excellent encryption effect of blockchain technology, ordinary individuals cannot imitate the financial path, which can avoid most risks brought by Trojans and other account-stealing systems.

[0032] The distribution center and the settlement center are interconnected through the Internet; the settlement center stores the identity information of the distribution center, including address information, distribution capacity information and industrial and commercial information.

[0033] The delivery terminal is equipped with a biometric system that can verify the delivery personnel's iris and fingerprints.

[0034] Generally speaking, all mobile electronic devices can be installed with delivery terminals. However, if the person is not the one making the delivery, the biometric identification system installed on the delivery terminal cannot be used. Once the person is detected as not making the delivery, an alarm will be immediately triggered and the delivery terminal will be located. With the dual verification of iris and fingerprint, the adverse social impact that may be caused by bad elements stealing or snatching the delivery terminal is avoided. Only when all verification information is passed can the delivery terminal be used to see the customer information, which greatly improves social security.

[0035] When the delivery of goods is completed at the delivery terminal, the delivery personnel are required to perform biometric identification at the delivery terminal. Only after the information is consistent with the information recorded by the delivery terminal can they click to confirm delivery. The user who receives the delivered goods confirms receipt at the delivery terminal after confirming the delivery of the goods. After receiving the confirmation receipt information, the distribution center pays the delivery fee to the delivery terminal.

[0036] Through such a design, not only the timeliness of settlement is improved, but also problems such as lending the delivery terminal to others are avoided. By verifying the biometric information at the beginning and end of the delivery, it is ensured that the entire chain is carried out by registered delivery personnel.

[0037] The built-in security platform of the settlement center monitors the delivery fees obtained by the distribution center, and integrates and backs up the delivery fees obtained by the distribution center every month and for each order. Once a large and abnormal flow of funds is detected, the security account of the distribution center will be immediately frozen; if there is no abnormality in the delivery fees, they will be transferred from the distribution center to the designated account every six months.

[0038] The setting of a secure platform has greatly ensured the financial security of delivery costs and avoided possible economic losses due to unexpected situations during the payment process. The security platform has also reduced the risk of account theft by hackers and Trojans.

[0039] After confirming receipt, the distribution center and the user obtain an electronic identification code at the distribution terminal. The electronic identification code records the goods information, address information, location information, distance information, time information and distribution fee information of this delivery.

[0040] The above technologies provide all-round protection for the transaction process, and property is protected at both the physical and software levels, effectively improving transaction security.

[0041] Embodiment 2: The financial payment system is a financial transaction system based on computer networks. In the existing technology, transaction data is generally managed by the central bank and other financial institutions, and the data is stored in a centralized database, which will face single point failures, data tampering, and trust issues. In real life, there are many problems with delivery fee payment, and an automatic, safe and fast payment system is urgently needed.

[0042] like Figure 2 As shown, the present invention provides a settlement system, comprising the following modules: Settlement center module, distribution center module, distribution terminal module, security center module; Settlement center module: obtain the in-transit delivery goods information and the to-be-allocated delivery goods information of the distribution center module, and at the same time obtain the identity information, business information, and address information of the distribution center module and upload them to the Internet supervision platform built into the settlement center module; settle the delivery costs of the distribution center module based on the acquired in-transit delivery goods information and the to-be-allocated delivery goods information, and store the settled delivery costs in the security account set up by the distribution center in the settlement center module; Distribution center module: reads the encrypted identity code of the distribution terminal module, obtains the identity information, biometric information, and in-transit distribution goods information of the distribution terminal module, completes the settlement of the distribution fee for the distribution terminal module based on the obtained in-transit distribution goods information, and stores the settled distribution fee in the security account of the distribution terminal module built into the settlement center module; Delivery terminal module: equipped with a biometric recognition system that can verify irises and fingerprints at the beginning of each delivery. Once it is found that the person making the delivery is not the one bound to the delivery terminal module, an alarm will be immediately processed through the Internet supervision platform built into the settlement center module; Security center module: It has a built-in security platform and blockchain encryption platform to monitor the settlement of each delivery fee and freeze abnormal transactions in real time.

[0043] The blockchain encryption platform uses blockchain technology to encrypt the entire settlement transaction process. The blockchain used adopts a chain data structure and is composed of a series of blocks connected in a specific order. Each block contains a certain amount of transaction data information and block header information. The block header includes the hash value of the previous block, timestamp, random number, and hash value used to verify the block content. Each block in the blockchain is linked together through the hash value of the previous block.

[0044] The security assurance platform records the amount of each delivery fee in the distribution terminal module and establishes a flow model. Once an abnormal amount is detected, the security account of the distribution terminal will be immediately frozen. The security assurance platform records the amount of each delivery fee in the distribution center module and establishes a flow model. Once an abnormal amount is detected, the security account of the distribution center module will be immediately frozen.

[0045] Blockchain technology is a decentralized data storage and transaction system that uses encryption technology and distributed databases to achieve secure, transparent and reliable transaction processing.

[0046] Blocks are the basic units of blockchain, used to store transaction information generated by each transaction, such as the time when an order is completed, the amount payable for the order, and a metadata called a block header, including reference data to the previous block, timestamp, random number, and hash value used to verify the block content. Since each block is linked together, the settlement center will only approve the transaction if the information of each block is normal. Once abnormal information appears, the entire process will be blocked immediately. It is extremely difficult for bad actors to forge each transaction information under multiple links, thereby ensuring the security of the transaction.

[0047] The blockchain is a chain of blocks linked in a specific order. Each block contains a hash value pointing to the previous block, forming an unalterable data chain. This continuous data chain ensures that the key data of the blockchain cannot be reversed, recorded, or saved. All of the above modules can be installed in various mobile systems, which is very convenient in daily use.

[0048] The delivery terminal module integrates a biometric module, which records the iris and fingerprint of the delivery merchant. Only when the delivery merchant passes the biometric identification can the delivery confirmation module be used to select the delivery completion. The biometric identification greatly improves the safety of delivery and avoids the potential safety hazards caused by loss and theft. Only when the person himself is in person can the settlement of the delivery fee be completed normally.

[0049] The security module is equipped with a security account. The distribution fees received by the distribution center and distribution terminal are first deposited into the security account. If there is no abnormality in the monitoring of the security module, you can withdraw it yourself. The security account can ensure the safety of the distribution fees and avoid security risks caused by theft and leakage of the account.

[0050] Through this payment system, not only can the settlement of delivery fees be completed quickly, but the safety of users and delivery merchants can also be guaranteed.

[0051] This system realizes a decentralized trading system through blockchain technology and uses blockchain to encrypt the transaction link. Compared with the existing centralized trading system, it has the advantage of not relying on the central bank and other financial institutions, which brings improved security.

[0052] The above are only preferred embodiments of the present invention. It should be noted that the above preferred embodiments should not be regarded as limiting the present invention, and the protection scope of the present invention should be based on the scope defined by the claims. For ordinary technicians in this technical field, several improvements and modifications can be made without departing from the spirit and scope of the present invention, and these improvements and modifications should also be regarded as the protection scope of the present invention.

Claims

1. A settlement method, characterized in that: The settlement center obtains the in-transit delivery goods information and the to-be-allocated delivery goods information of the distribution center by reading the encrypted identity code of the distribution center, and at the same time obtains the identity information, industrial and commercial information, and address information of the distribution center and uploads it to the Internet supervision platform built into the settlement center; the settlement center settles the delivery costs for the distribution center based on the obtained in-transit delivery goods information and the to-be-allocated delivery goods information, and stores the settled delivery costs in the security account set up by the distribution center in the settlement center; the distribution center reads the encrypted identity code of the distribution terminal, obtains the identity information, biometric information, and in-transit delivery goods information of the distribution terminal, and completes the delivery cost settlement for the distribution terminal based on the obtained in-transit delivery goods information, and stores the settled delivery costs in the security account set up by the distribution terminal in the settlement center; The settlement center has built-in security modules and blockchain encryption modules to monitor the settlement of each delivery fee and freeze abnormal transactions in real time.

2. A settlement method according to claim 1, characterized in that: The distribution center and the settlement center are interconnected through the Internet; the settlement center stores the identity information, address information, distribution capacity information and industrial and commercial information of all distribution centers; the settlement center stores the identity information and biometric information of all distribution terminals.

3. A settlement method according to claim 1, characterized in that: The delivery terminal is equipped with a biometric recognition system that can verify the iris and fingerprint at the beginning of each delivery. Once it is discovered that the person making the delivery is not the one bound to the delivery terminal, an alarm will be immediately processed through the Internet supervision platform built into the settlement center, and the delivery terminal will be located; the security module and blockchain encryption module installed in the settlement center are responsible for monitoring the financial security of the settlement process.

4. A settlement method according to claim 3, characterized in that: When the delivery personnel completes the delivery of goods, they are required to perform biometric identification at the delivery terminal. Only when the information is consistent with the information recorded by the delivery terminal can they click to confirm delivery. The user who receives the delivered goods confirms receipt at the delivery terminal after confirming the delivery of the goods. After receiving the confirmation of receipt information, the settlement center pays the delivery fee to the distribution center, and after receiving the confirmation of receipt information, the distribution center pays the delivery fee to the delivery terminal.

5. A settlement method according to claim 4, characterized in that: The built-in security module of the settlement center monitors the delivery fees obtained by the distribution center, integrates and backs up the delivery fees obtained by the distribution center every month and for each order, and immediately freezes the security account of the distribution center once a large amount of abnormal fund flow is detected; If there are no abnormalities in the delivery costs, the distribution center will transfer them to the designated account every six months.

6. A settlement method according to claim 4, characterized in that: The built-in security module of the settlement center monitors the delivery fees obtained by the delivery terminal, integrates and backs up the delivery fees obtained by the delivery terminal every month and every order, and immediately freezes the security account of the delivery terminal once a large amount of abnormal fund flow is detected; If there are no abnormalities in the delivery costs, they will be transferred from the delivery terminal to the designated account every six months.

7. A settlement method according to claim 6, characterized in that: The built-in blockchain encryption module of the settlement center adopts blockchain encryption technology and is composed of a series of interconnected blocks. Each block contains a set of transaction data and a timestamp, as well as reference data pointing to the previous block, and uses a hash function to generate a hash value of the block, which together constitute a protection link for blocking Trojans and viruses.

8. A settlement system, characterized in that: Includes the following modules: Settlement center module, distribution center module, distribution terminal module, security center module; Settlement center module: obtain the in-transit delivery goods information and the to-be-allocated delivery goods information of the distribution center module, and at the same time obtain the identity information, business information, and address information of the distribution center module and upload them to the Internet supervision platform built into the settlement center module; settle the delivery costs of the distribution center module based on the acquired in-transit delivery goods information and the to-be-allocated delivery goods information, and store the settled delivery costs in the security account set up by the distribution center in the settlement center module; Distribution center module: reads the encrypted identity code of the distribution terminal module, obtains the identity information, biometric information, and in-transit distribution goods information of the distribution terminal module, completes the settlement of the distribution fee for the distribution terminal module based on the obtained in-transit distribution goods information, and stores the settled distribution fee in the security account of the distribution terminal module built into the settlement center module; Delivery terminal module: equipped with a biometric recognition system that can verify irises and fingerprints at the beginning of each delivery. Once it is found that the person making the delivery is not the one bound to the delivery terminal module, an alarm will be immediately processed through the Internet supervision platform built into the settlement center module; Security center module: It has a built-in security platform and blockchain encryption platform to monitor the settlement of each delivery fee and freeze abnormal transactions in real time.

9. A settlement system according to claim 8, characterized in that: The blockchain encryption platform adopts blockchain technology to encrypt the entire settlement transaction process. The blockchain used adopts a chain data structure and is composed of a series of blocks connected in a specific order. Each block contains a certain amount of transaction data information and block header information. The block header includes the hash value of the previous block, timestamp, random number and hash value used to verify the block content. Each block in the blockchain is linked together through the hash value of the previous block.

10. A settlement system according to claim 8, characterized in that: The security assurance platform records the amount of each delivery fee of the distribution terminal module and establishes a flow model. Once an abnormal amount is detected, the security account of the distribution terminal will be immediately frozen; the security assurance platform records the amount of each delivery fee of the distribution center module and establishes a flow model. Once an abnormal amount is detected, the security account of the distribution center module will be immediately frozen.

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